KR20100045059A - System and method for managing settlement account connected with plural affiliated store card's virtual account and recording medium - Google Patents

Abstract

PURPOSE: A system and a method for managing a virtual account per member store cards connected with a payment account and a recording medium thereof are provided to connect a payment account and a member store card through a virtual account, thereby realizing effective member store card use management. CONSTITUTION: If a web page including a user interface is requested(800), a server generates the web page(805). The web page including the user interface is transmitted to a terminal(810). The terminal inputs member store card issuing application information(815). The terminal transmits customer information and payment account information to the server through a communication channel(825).

Description

System and Method for Managing Settlement Account Connected with Plural Affiliated Store Card's Virtual Account and Recording Medium}

1 is a diagram illustrating a face-to-face merchant card issuing system for operating a plurality of merchant cards associated with a single payment account according to an embodiment of the present invention.

2 is a view showing the configuration of the merchant card issuing information stored in the ledger D / B provided in the DBMS on the financial system in a face-to-face manner for the operation of multiple merchant cards associated with a single payment account according to an embodiment of the present invention.

3A and 3B are diagrams illustrating a process of registering merchant card issuing application information in a face-to-face manner according to one embodiment of the present invention.

4A and 4B are diagrams illustrating a process of registering merchant card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B are views illustrating a process of registering affiliate store card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

6 is a diagram illustrating a non-face-to-face merchant card issuing system for operating a plurality of merchant cards associated with a single payment account according to another embodiment of the present invention.

7 is a view showing the configuration of the merchant card issuing application information stored in the ledger D / B provided in the DBMS on the financial system in a non-face-to-face operation to operate a plurality of merchant card associated with a single payment account according to an embodiment of the present invention to be.

8A and 8B illustrate a process of registering merchant card issuing application information in a non-face-to-face manner to operate a plurality of merchant card associated with a single payment account according to an embodiment of the present invention.

9A, 9B, and 9C are diagrams illustrating a process of registering merchant card issuing application information through a non-face-to-face financial transaction channel for operating a plurality of merchant card associated with a single payment account according to one embodiment of the present invention. .

<Description of main parts of drawing>

100: merchant card issuing server 105: interface unit

110: interface providing unit 115: information receiving unit

120: image receiving unit 125: validating unit

130: information generation unit 135: information confirmation unit

140: ledger processing unit 145: electronic document generation unit

150: electronic document transmission unit 155: information storage unit

160: card issuer 163: electronic document server

165: electronic document receiving unit 170: information generating unit

173: electronic document storage unit 175: electronic document D / B

180: storage medium 185: card issuing device

190: merchant terminal 195: employee terminal

The present invention relates to a card company ledger that operates a merchant card that processes transaction approval through a withdrawable amount (or value) of a virtual account having a payment account as a parent account, and a virtual account ledger connected to the virtual account ledger that operates the virtual account in one-to-one correspondence. In the method of operating, the issuance of a new N (N = 2, 3, ...) merchant card using a portion (or the entire amount) of the payment account balance corresponding to the account ledger for transaction approval, or If a request is made to change an N (N = 2,3, ...) merchant card linked account using a portion (or the entire amount) of the payment account balance corresponding to the account ledger into the payment account, the payment account Checking whether the virtual account ledger, which is a parent account, is connected to one or more card ledgers that operate a merchant card that processes transaction approval through the withdrawal amount (or value) of the virtual account. Generating a card ledger information for operating the N-th affiliate card when the account is connected to the virtual account ledger and at least one card ledger; and an N-th virtual having the payment account as a parent account. Adding an account ledger to the account ledger, connecting and adding an N card ledger corresponding to the N-th affiliate card to the N-th virtual account ledger; and the generated card ledger to the N-th card ledger The present invention relates to a method of operating a virtual account for each of a plurality of merchant cards associated with a payment account including storing the information.

Due to the development of information and communication technology and financial industry, people are provided with services in various forms through various merchants (eg, carrier membership cards, etc.) through various methods.

However, these things are inconvenient in many ways by providing a service in a form that is restricted to use only in the affiliated stores in the form of accounts at the affiliated stores.

In addition, since these things are not integrated management, it is not one or two inconveniences for the customer to use.

An object of the present invention for solving the above problems, the card ledger for operating the merchant card to process the transaction approval through the withdrawable amount of the virtual account with the payment account as the mother account, and the virtual account ledger for operating the virtual account In a system of operating a one-to-one financial ledger, a new N (N = 2,3, ...) merchant card that uses a portion (or all) of the balance of the payment account corresponding to the account ledger for transaction approval. The N (N = 2,3, ...) merchant card linked account which is requested to be issued or uses a portion (or all) of the payment account balance corresponding to the account ledger for transaction approval is changed to the payment account. If requested, is one or more card ledgers operating a merchant card that handles transaction approval through the withdrawable amount of the virtual account connected to the virtual account ledger using the payment account as a parent account? Means for confirming whether or not, if the at least one card ledger is connected to the virtual account ledger, means for generating card ledger information for operating the N-th affiliate card, and the payment account as a mother account. Means for connecting an N-th virtual account ledger to the account ledger, and adding and connecting an N-th card ledger corresponding to the N-th merchant card to the N-th virtual account ledger; The present invention provides a virtual account operating system for each of a plurality of merchant card associated with a payment account including means for storing the generated card ledger information.

A financial company in which a credit card manager operates a merchant card that processes transaction approval through a withdrawable amount (or value) of a virtual account having a payment account according to the present invention, and a virtual account ledger operating the virtual account in a one-to-one relationship. The method of operating the ledger may include issuing a new Nth (N = 2,3, ...) merchant card that uses a portion (or the entire amount) of the payment account balance corresponding to the account ledger for transaction approval, or If a request is made to change an N (N = 2,3, ...) merchant card linked account using a portion (or the entire amount) of the payment account balance corresponding to the account ledger into the payment account, the payment account Checking whether the virtual account ledger which is a parent account is connected to at least one card ledger that operates a merchant card that processes transaction approval through the withdrawal amount (or value) of the virtual account. Generating a card ledger information for operating the N-th affiliate card when the account is connected to the virtual account ledger and at least one card ledger; and an N-th virtual having the payment account as a parent account. Adding an account ledger to the account ledger, connecting and adding an N card ledger corresponding to the N-th affiliate card to the N-th virtual account ledger; and the generated card ledger to the N-th card ledger And storing the information including the information.

According to the present invention, a method of operating a virtual account for each of a plurality of affiliated card associated with a payment account, the merchant to process the transaction approval through the withdrawal amount (or value) of the virtual account to the virtual account ledger with the payment account as the parent account Generating usage rights information for setting the usage rights for the card, including at least one usage date, a target use, and the balance (or value) utilization of the parent account for the virtual account; and generating the usage rights information. And including the virtual account ledger connected to the card ledger for operating the affiliated card.

In the method of operating a virtual account for each merchant card associated with a payment account according to the present invention, the payment account is a point, mileage, discount coupon, gift certificate value and cash provided by the merchant that issued and processed the Nth merchant card At least one is deposited.

On the other hand, it includes a computer-readable recording medium, characterized in that for recording a program for executing a virtual account operating method for each of a plurality of merchant card associated with the above payment account.

On the other hand, the card ledger operating the merchant card processing transaction approval through the withdrawable amount of the virtual account having a payment account according to the present invention and the virtual account ledger that the virtual account ledger operating the virtual account is connected one-to-one. The operating system may request issuance of a new Nth (N = 2,3, ...) merchant card that uses a portion (or all) of the payment account balance corresponding to the account ledger for transaction approval, or the account When a request is made to change an N (N = 2,3, ...) merchant card linked account that uses a portion (or all) of the payment account balance corresponding to the ledger to the payment account, the payment account is transferred to the mother account. Means for checking whether one or more card ledgers operating merchant card processing transaction approval are connected to the virtual account ledger through the withdrawable amount of the virtual account; As a result, when one or more card ledgers are connected to the virtual account ledger, means for generating card ledger information for operating the N-th affiliate card, and an N-th virtual account ledger with the payment account as the parent account. Means for connecting in addition to the ledger, adding and connecting the N-th card ledger corresponding to the N-th affiliate card to the N-th virtual account ledger, and the generated card ledger information in the N-th card ledger. It comprises a means for storing.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be easy to understand the functions of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating a face-to-face merchant card issuing system for operating a plurality of merchant cards associated with a single payment account according to an embodiment of the present invention.

In more detail, Figure 1 shows that a given customer creates and submits a merchant card issuance application form including at least one of customer information and payment account information in order to operate a plurality of merchant cards associated with a single payment account. Acquire a predetermined image content corresponding to the merchant card issuance application through a predetermined image acquisition device in 195, and apply to the merchant card issuance application corresponding to the merchant card issuance application to the merchant card issue system through a predetermined card issuing interface When the information and the image content obtained from the merchant card issuance application form is provided, a predetermined merchant card issuance application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the merchant card issuance application information is provided. Based on the customer information and payment account information included As for a system configured to process a merchant card issuer, it is for the embodiment method that specifically the electronic document repository is provided on the external system associated with the card-issuing merchant system through a predetermined communication means.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 1 to infer various implementation methods for configuring a merchant card issuing system for operating multiple merchant cards associated with a single payment account. As will be appreciated, the invention includes all implementations inferred, and are not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify the drawing 1 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the merchant card issuing system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in Figure 1, the employee terminal 195 for inputting and sending the merchant card issuance application is shown as being directly connected to the merchant card issuing server 100 through a communication network, The invention is not limited to this, and may be provided with a merchant server (not shown) between the merchant card issuing server and the employee terminal 195, in this case one or more information input and transmitted from the employee terminal 195 is It is preferable to be transmitted to the merchant card issuing server 100 through a merchant server (not shown).

In addition, according to the implementation method shown in FIG. 1, the merchant card issuing application electronic document corresponding to the merchant card issuing application is illustrated as being generated as shown on the server side on the merchant card issuing system, but the present invention thereby The present invention is not limited thereto, and the merchant card issuance request electronic document may be generated at a terminal that acquires image content corresponding to the merchant card issuance application through a predetermined image acquisition device (for example, the electronic device provided at the server side). Document generation function is provided on the terminal side to generate the merchant card issuing application electronic document), thereby the present invention is not limited.

Hereinafter, the merchant card issuing application information and image contents corresponding to the merchant card issuing application form prepared by the customer are provided on the merchant card issuing system shown in FIG. To generate and store in a predetermined electronic document storage, and corresponding to at least one means and / or functional configuration for processing the merchant card issuance based on the customer information, payment account information included in the merchant card issuance application information The element is referred to as "merchant card issuing server 100" for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, a merchant card issuing system for operating a plurality of merchant cards associated with a single payment account is provided in at least one affiliate store (or financial institution branch (or branch)). And a merchant terminal 190 including an employee terminal 195, wherein the merchant terminal 190 is a merchant card issuing server 100 provided on the merchant card issuing system through a predetermined communication network. And communication channel are connected.

According to an exemplary embodiment of the present invention, the customer visits a place (eg, a merchant, a financial institution branch (or a branch) that is capable of issuing a merchant card for operating a plurality of merchant cards associated with the single payment account through a representative). Application for issuing a predetermined merchant card for operating a plurality of merchant cards associated with the single payment account (for example, a document having a form for filling in at least one information item for operating the multiple merchant cards associated with the single payment account) In this case, it is preferable that the customer seal the seal of the customer's seal for the legal basis for the merchant card issuance application.

Subsequently, when the customer submits the completed merchant card issuance application form to the employee in charge, the employee in charge is to acquire the predetermined image content by scanning the merchant card issuance application through a predetermined image acquisition device, a predetermined employee terminal ( Input (or select) merchant card issuing application information including at least one image content obtained in response to the merchant card issuing application form, the customer information and payment account information written in the merchant card issuing application form, and In response, the employee terminal 195 preferably transmits the image content and the affiliated card issuing application information to the affiliated card issuing server 100 provided on the affiliated card issuing system through the communication network.

Here, preferably, the employee terminal 195 includes a financial terminal used by an employee of the affiliated store or a financial institution branch (or a branch), and the affiliated card card issuing server 100 connected to the employee terminal 195 may be provided. It is preferable to include a server (eg, ledger server, etc.) provided on the predetermined financial system, the communication network connecting the employee terminal 195 and the merchant card issuing server 100 is the employee terminal 195 ) And the merchant network connecting the communication channel between the merchant card issuing server 100 is preferred.

In the merchant card issuing system as described above, an image acquisition device for acquiring image content corresponding to the merchant card issuance application form created by the customer, an employee terminal 195 and the employee terminal 195 and the employee terminal 195 used by the employee; The communication network connecting the merchant card issuing server 100 performs a function of a card issuing interface for registering the merchant card issuing application information for the customer to operate a plurality of merchant card associated with the single payment account.

The storage medium 180 provided on the merchant card issuing system according to the present invention is based on the merchant card issuing application information including one or more of the customer information and payment account information provided from the merchant terminal 190. After issuing the merchant card to the merchant, it is characterized in that the merchant card issuing information including one or more customer information, payment account information, card information according to the issuance of the merchant card.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the merchant card issuance application, and the member information of the customer (for example, Member ID information provided in the customer ledger provided on the financial system associated with the merchant card issuing system in response to the customer by subscribing as a merchant card user using one or more of the merchants of the financial institution, or the merchant It is preferable to include at least one member ID, CIF (Customer Information File) or the like provided on a database (not shown) provided in the.

The payment account information is a deposit deposited in any one of the financial account in response to the transaction authorization request through the issuing merchant card among the one or more financial accounts owned by the customer who wrote the merchant card issuance application form; It is preferable to include at least one or more of the account number, the account alias, the name of the account holder, etc. of the target financial account to use (or the entire value) of (or value) of the transaction, and the payment account is held by the customer. It is preferred to be an account in which cash is deposited and / or a financial account in which the value provided to the customer (eg, the value corresponding to one or more of points, miles, discount coupons, gift certificates) is deposited.

The card information may include a card number (eg, a 16-digit card number, etc.) corresponding to the affiliated card, a card issuer information (or code) that issued the affiliated card, and an expiration date information (optionally) for the affiliated card. At least one) is preferably included.

According to one embodiment of the invention, the storage medium 180 is preferably provided in a DBMS on a merchant server (not shown) provided on the merchant card issuing system (or associated with the merchant card issuing system). .

According to another exemplary embodiment of the present invention, the storage medium 180 is preferably provided in a DBMS on a financial system provided on the merchant card issuing system (or associated with the merchant card issuing system). The storage medium 180 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

The merchant card issuing server 100 provided on the merchant card issuing system according to the present invention is a generic term for the member card issuing system side component connected to the affiliated store terminal 190 through a predetermined communication network, and at least one or more components. It may be implemented by including a server (or device), and / or implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the affiliated store terminal 190 is an employee terminal 195 connected to a predetermined communication network, the affiliated store card issuing server 100 is connected to the employee terminal 195 through a predetermined communication network. It may be a ledger server provided on a connected financial system, and / or a server (or device) provided in an external system on the financial system, and / or a program provided in the external system on the financial system. The invention is not limited.

According to an exemplary embodiment of the present invention, the affiliated store card issuing server 100 includes an interface unit 105 (or interface means) for connecting and managing a predetermined communication channel with the affiliated store terminal 190 through the communication network. Characterized in that made.

According to an embodiment of the present invention, when the affiliated store terminal 190 is an employee terminal 195 connected to a predetermined communication network, the interface unit 105 is based on the protocol stack defined in the communication network. ) And a predetermined communication channel, and it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a financial transaction related program included in the employee terminal 195. .

Referring to FIG. 1, when the affiliated store card issuing server 100 connects a predetermined communication channel with the affiliated store card issuing server 100 through the interface unit 105, Acquire image contents corresponding to the merchant card issuance application prepared by the customer through a predetermined image acquisition device provided in the merchant terminal 190 to operate a plurality of merchant card associated with a single payment account, and the merchant card issuance application Create (or extract) at least one user interface for inputting (or selecting) merchant card issuing application information corresponding to the at least one merchant card issuing server 100 and transmitting the same to the interface unit 105. Interface study 110 (or interface agent) for providing the generated (or extracted) user interface to the merchant terminal 190 Means), and when the merchant terminal 190 inputs (or selects) merchant card issuance application information corresponding to the merchant card issuance application through the user interface and transmits the same, the affiliated store is connected to the interface unit 105. The information receiving unit 115 (or information receiving means) for receiving the affiliated card issuance application information transmitted from the terminal 190 and the merchant terminal 190 through the predetermined image acquisition apparatus based on the user interface; When the image content corresponding to the merchant card issuance application prepared by the customer is obtained and transmitted, the image receiving unit 120 (or image receiving means) for receiving the image content corresponding to the merchant card issuance application in connection with the interface unit 105. It is characterized by comprising a).

The interface provider 110 connects the affiliated store card issuing server 100 with a predetermined communication channel through the interface unit 105 to the affiliated store card issuing server 100. When requesting a user interface for operating a plurality of merchant cards associated with the single payment account, obtaining an image content corresponding to the merchant card issuance application written by the customer through a predetermined image acquisition device provided in the merchant terminal 190. Generate (or select) merchant card issue application information corresponding to the merchant card issue application, and generate at least one user interface for transmitting to the merchant card issue server 100 through the communication network; and / or Extracted from a predetermined database (not shown), and interlocked with the interface unit 105 to generate (or extract) the above. ) Provides the user interface to the affiliated store terminal 190 through the communication network.

According to another embodiment of the present invention, the merchant terminal 190 acquires image contents corresponding to the merchant card issuance application written by the customer through a predetermined image acquisition device, and issues a merchant card corresponding to the merchant card issuance application. If a predetermined merchant card issuing application program having at least one user interface for inputting (or selecting) application information and transmitting the same to the affiliated card issuing server 100 through the communication network is provided, The merchant card issuing server 100 obtains an image content corresponding to the merchant card issuance application written by the customer through an image acquisition device, and inputs (or selects) merchant card issuance application information corresponding to the merchant card issuance application. (Or extract) a user interface for sending to The interface providing unit 110 provided to the affiliated store terminal 190 may be omitted, and the present invention is not limited thereto.

Thereafter, the merchant terminal 190 inputs (or selects) the merchant card issuance application information including at least one of the customer information and payment account information through the user interface, and issues the input (or selected) merchant card. The application information is transmitted to the affiliated store card issuing server 100 through the communication network, and in response thereto, the information receiving unit 115 is connected to the interface unit 105 and the affiliated store transmitted from the affiliated store terminal 190. Characterized in that it receives the card issuing application information.

In addition, the affiliated store terminal 190 acquires the image content corresponding to the merchant card issuance application written by the customer through a predetermined image acquisition device based on the user interface, and the obtained image content through the communication network Sending to the merchant card issuing server 100, in response to the image receiving unit 120 is characterized in that for receiving the image content corresponding to the merchant card issuing application in connection with the interface unit 105.

According to another exemplary embodiment of the present invention, the affiliated store terminal 190 acquires image contents corresponding to the affiliated store card issuance application written by the customer through a predetermined image acquisition device and is provided in the affiliated store terminal 190 ( Or in connection with a predetermined storage device, the affiliated store terminal 190 stores an image corresponding to an application for issuing a merchant card issued by the customer among at least one or more image contents previously stored in the storage device through the user interface. Selecting and transmitting a content to the merchant card issuing server 100 through the communication network, the image receiving unit 120 in response to the image content corresponding to the merchant card issuance application in connection with the interface unit 105 It is desirable to receive.

According to another exemplary embodiment of the present invention, the affiliated store card issuing information corresponding to the image content corresponding to the merchant card issuance application written by the customer and the merchant card issuance application through the user interface in the merchant terminal 190 In the case of transmitting together, the information receiving unit 115 may be connected with the interface unit 105 to receive image content corresponding to the merchant card issuance application and merchant card issuance application information together (for example, the image receiving unit 120 is integrated into the information receiving unit 115, and the present invention is not limited thereto.

Referring to FIG. 1, when the affiliated store card issuing application information received from the affiliated store terminal 190 is received from the affiliated store terminal 190 through the information receiving unit 115, the affiliated store card issuing application information is received. Is characterized in that it comprises a validity verification unit 125 (or validity verification means) for confirming whether to satisfy the validity for operating a plurality of merchant card associated with the single payment account.

According to the implementation method of the present invention, the validation of the merchant card issuance request information is at least one ledger information matching the merchant card issuance application information in the ledger D / B on the financial system associated with the merchant card issuance system It is preferable to include checking whether it is registered.

For example, the validity verification unit 125 is the information contained in the merchant card issuance application information, the customer information (customer personal information, or member information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity check of the merchant card issuing application information may include: the customer ledger stored in the ledger D / B on the financial system linked to the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that it matches the linked ledger.

Alternatively, the verification of the validity of the merchant card issuing application information may include: the account ledger stored in the ledger D / B on the financial system linked to the merchant card issuing system, among the information included in the merchant card issuing application information; It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

In more detail, Figure 1 shows that a given customer creates and submits a merchant card issuance application form including at least one of customer information and payment account information in order to operate a plurality of merchant cards associated with a single payment account. Acquire a predetermined image content corresponding to the merchant card issuance application through a predetermined image acquisition device in 195, and apply to the merchant card issuance application corresponding to the merchant card issuance application to the merchant card issue system through a predetermined card issuing interface When the information and the image content obtained from the merchant card issuance application form is provided, a predetermined merchant card issuance application electronic document including the image content is generated and stored in a predetermined electronic document repository, and the merchant card issuance application information is provided. Based on the customer information and payment account information included As for a system configured to process a merchant card issuer, it is for the embodiment method that specifically the electronic document repository is provided on the external system associated with the card-issuing merchant system through a predetermined communication means.

Referring to FIG. 1, when the merchant card issuing server 100 validates the merchant card issuing application information through the validity checking unit 125, the merchant card issuing server 100 corresponds to a payment account included in the merchant card issuing application information. An information checking unit 135 for checking whether the account ledger is connected to one or more card ledgers operating merchant card processing transaction approval through the payment account balance (or the value deposited in the payment account) (or Information checking means) and a card for operating the affiliated card requested by the customer when the card ledger corresponding to the at least one affiliated card is connected to the account ledger corresponding to the payment account in response to the confirmation result. A ledger information and a card ledger in which the card ledger information is stored, and the generated card ledger is connected to the account ledger After the connection in addition to the new ledger cards other than the sheet, and that obtained by having a director processor 140 (or the ledger processing means) for processing so that the generated card ledger information is stored in the new card ledger characterized.

When the validity of the merchant card issuing application information is authenticated through the validity checking unit 125, the information checking unit 135 is the payment account in the account ledger corresponding to the payment account included in the merchant card issuing application information. It is characterized by checking whether or not one or more card ledgers operating the merchant card processing the transaction approval through the balance.

According to an embodiment of the present invention, one or more card ledgers operating a merchant card for processing a transaction approval through the balance of the payment account (or the value deposited in the payment account) included in the merchant card issuance application information is connected. Check whether there is, by first checking the account ledger corresponding to the payment account included in the merchant card issuing application information, and by checking at least one ledger connected with the confirmed account ledger, it is included in the merchant card issuing application information It is preferable to check whether one or more card ledgers operating merchant card processing transaction approval are connected through the balance of the settlement account (or the value deposited in the settlement account).

The ledger processing unit 140 is configured to operate a merchant card requested by the customer when the card ledger corresponding to one or more affiliated store cards is connected to the account ledger corresponding to the payment account in response to the verification result. After generating the card ledger information and the card ledger for storing the card ledger information, connect the generated card ledger to a new card ledger other than the card ledger connected with the account ledger, and then generate the card ledger information. Characterized in that it is processed to be stored card ledger information.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, a customer with a first merchant card that uses a portion (or the total amount) of the payment account balance (or the value deposited in the payment account) to approve the transaction of the payment account balance (or the value deposited in the payment account) When requesting issuance of a second merchant card using a portion (or the whole amount) for transaction approval, the card ledger information for operating the second merchant card is generated in the account ledger corresponding to the payment account, and the second merchant card is generated. After generating the corresponding card ledger, it is preferable to add and connect to the second card ledger of the account ledger, so as to include the generated card ledger information on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Referring to Figure 1, if the merchant card issuing server 100 is validated for the merchant card issuing application information through the validity check unit 125, the customer based on the received merchant card issuing application information The information generating unit 130 (or information generating means) for generating (or extracting) card information corresponding to the affiliate card to be issued to the affiliated card and the merchant card including the generated card information with the card issuing device 185. And issuing a card issuing unit 160 (or card issuing means) for issuing and processing.

The information generating unit 130 generates (or extracts) predetermined card information to be provided in the affiliated store card to the customer based on the affiliated card issue request information received through the information receiving unit 115. The card information includes at least one card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the affiliated card.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the affiliate card can be used, and may be omitted if the expiration date does not exist in the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When the predetermined card information provided in the affiliated card is generated by the information generation unit 130, the card issuing unit 160 produces a merchant card including the card information through the card issuing device 185 ( Or the card information in the merchant card), wherein the merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the merchant card. In this case, the information generating unit 130 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 160 issues the card. By recording the card information into at least one or more MS tracks via the device 185, a predetermined merchant card to be issued to the customer is issued.

Or, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in the memory provided in the IC chip of the merchant card, wherein the information The generation unit 130 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 160 generates the card issuing device 185. By recording the card information in the memory of the IC chip through), a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

Referring to FIG. 1, the merchant card issuing server 100 receives the image content transmitted from the affiliated store terminal 190 through the image receiving unit 120, and the affiliated store through the validity checking unit 125. If the validity of the card issuing application information is authenticated, the electronic document generating unit 145 (or electronic document generating means) for generating a predetermined merchant card issuing request electronic document containing the received image content, and the generated The merchant card issuing application is characterized in that it comprises an electronic document transmission unit 150 (or electronic document transmission means) for transmitting the electronic document to the electronic document storage associated with the merchant card issuing system.

The electronic document generating unit 145 generates an affiliated card card application request electronic document including the image content received from the affiliated store terminal 190 through the image receiving unit 120.

According to an exemplary embodiment of the present invention, the electronic document generation unit 145 stores the image file including the image content received from the affiliated store terminal 190 through the image receiving unit 120 and the single payment account. It is desirable to process the affiliate card issuance application electronic document for the operation of the linked multiple merchant card.

Alternatively, the electronic document generation unit 145 is included in the merchant card issuing application information received through the information receiving unit 115 to the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generating an affiliate card issuance application electronic document for operating a plurality of merchant card associated with the single payment account to an image file corresponding to the image content including at least one or more information of the customer information, payment account information in a watermarking method (Watermarking) It is desirable to.

According to another embodiment of the present invention, the electronic document generating unit 145 is a predetermined document file (eg, PDF) including the image content received from the affiliated store terminal 190 through the image receiving unit 120. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for issuing merchant card for the affiliated multiple merchant card operation.

Alternatively, the electronic document generation unit 145 is included in the merchant card issuing application information received through the information receiving unit 115 to the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generating an image content including at least one of customer information and payment account information by a watermarking method, a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content, Or an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT), to operate multiple merchant cards associated with the single payment account. It is desirable to create an electronic document for issuing merchant card issuance.

According to another exemplary embodiment of the present invention, the electronic document generating unit 145 may receive the image content and the information receiving unit 115 received from the affiliated store terminal 190 through the image receiving unit 120. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing at least one document file containing application card application information received; By generating a web document file including the MHT, etc.), it is preferable to generate a merchant card issuance application electronic document for operating a plurality of merchant card associated with the single payment account.

Alternatively, the electronic document generation unit 145 is included in the merchant card issuing application information received through the information receiving unit 115 to the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one of customer information and payment account information in a watermarking manner, and includes a predetermined document file (eg, PDF) including the generated image content and the merchant card issuance application information. (Portable Document Format) file, EDI (Electronic Data Interchange) file, word processor file including at least one or more of HWP / DOC, or web document file including MHT) It is preferable to generate an electronic document for issuing merchant card for the affiliated multiple merchant card operation.

Those skilled in the art to which the present invention pertains, the electronic document generation unit 145 is a technical feature for generating an electronic document of the merchant card issuance application of the image file format and / or a predetermined document file format, and Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the merchant card issuance application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 150 transmits and stores the electronic card issuing application electronic document generated by the electronic document generating unit 145 to a predetermined electronic document repository associated with the merchant card issuing system. do.

As shown in FIG. 1, the electronic document repository is connected to a merchant card issuing server 100 on the merchant card issuing system and a predetermined electronic document server 163 and electronic document D / B ( 175, if provided externally, the electronic document transmission unit 150 is the electronic document server through the communication means to the merchant card issuing application electronic document generated by the electronic document generation unit 145 (the electronic document server ( 163).

Herein, when the electronic document server 163 and the electronic document D / B 175 are provided outside the affiliated card issuing system, the electronic document server 163 and the electronic document D / B 175 are It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the affiliated card issuing system, the electronic document transmitting unit 150 is generated by the electronic document generating unit 145. It is possible to store the merchant card issuing application electronic document in the electronic document D / B 175 corresponding to the electronic document storage on the DBMS provided in the merchant card issuing system, whereby the present invention is not limited.

According to an exemplary embodiment of the present invention, the electronic document transmission unit 150 may include electronic document related information (eg, a merchant card corresponding to the image content) for generating predetermined electronic document management information in the electronic document server 163. Customer information, and / or financial institution information for transmitting the merchant card issuance application electronic document, and / or electronic document file format information, and / or the merchant card issuance application information, etc.); It is possible to transmit to the document storage, by which the present invention is not limited.

Referring to Figure 1, the merchant card issuing server 100 is a merchant card issuance application information received through the information receiving unit 115 through a plurality of merchant card associated with the single payment account through the validation unit 125 If the validity for the operation is authenticated, processing the merchant card issuance based on the merchant card issuance application information that has been validated, and at least one customer information, payment account information, card information corresponding to the merchant card issuance processing result It is characterized in that it comprises an information storage unit 155 (or information storage means) for storing the merchant card issuing information to be included in the storage medium 180.

When the validity of the affiliated card issuance application information is confirmed by the validity confirming unit 125, the information storage unit 155 processes the affiliated store card issuance based on the affiliated card issue request information, and issues the affiliated store card. And issuing merchant card issuance information including one or more customer information, payment account information, and card information corresponding to a processing result in the storage medium 180, wherein the storage medium 180 is configured to store the merchant card issuing server. When provided in the 100 or provided on the network associated with the affiliate card card issuing server 100, the information storage unit 155 processes the merchant card issuance based on the received merchant card issuance application information; Reminding the merchant card issuing information including at least one of customer information, payment account information, and card information corresponding to the merchant card issuing processing result; Preferably, the storage medium 180 is stored in the storage medium 180, and when the storage medium 180 is provided in a DBMS provided on the financial system, the information storage unit 155 is based on the received merchant card issuing application information. Process merchant card issuance and provide merchant card issuance information including one or more customer information, payment account information, and card information corresponding to the merchant card issuance processing result to the information system through the external system of the financial system. It is preferable to store in the DBMS provided in.

Referring to FIG. 1, a predetermined merchant card issuing application electronic document is received from the affiliated card issuing server 100 provided on the affiliated card issuing system, and stored and managed in a predetermined electronic document D / B 175. The electronic document server 163 may include an electronic document receiving unit 165 (or an electronic document receiving unit) for receiving a predetermined merchant card issuing application electronic document from the affiliated store card issuing server 100 through a predetermined communication unit, and An information generating unit 170 (or information generating means) for generating predetermined electronic document management information for storing and managing the received merchant card issuing application electronic document in the electronic document D / B 175, and the electronic document And an electronic document storage unit 173 (or electronic document storage means) for managing the management information and the affiliated card issuance application electronic document and storing the electronic document in a predetermined electronic document D / B 175. And a gong.

The electronic document receiving unit 165 is characterized by receiving the merchant card issuance application electronic document in the form of an image file and / or document file from the merchant card issuing server 100 through the communication means.

According to one embodiment of the present invention, the merchant card issuing application electronic document that the electronic document receiving unit 165 receives through the communication means is an image that the merchant card issuing server 100 receives from the affiliated store terminal 190. It is preferable that the image file including the content is included as it is.

Alternatively, the merchant card issuance request electronic document received by the electronic document receiving unit 165 through the communication means issuing the merchant card to the image content received by the merchant card issuing server 100 from the merchant terminal 190. It is preferable to include an image file corresponding to an image content including at least one or more information of customer information and payment account information included in the application information by a watermarking method.

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document received by the electronic document receiving unit 165 through the communication means is received by the merchant card issuing server 100 from the affiliated store terminal 190. Any document file containing image content (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web including MHT) Document files).

Alternatively, the merchant card issuance request electronic document received by the electronic document receiving unit 165 through the communication means is the merchant card issuing application to the merchant card issuing server 100 to the image content received from the merchant terminal 190. A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content including at least one or more of customer information and payment account information included in the information by a watermarking method. Interchange) file, or a word processor file including at least one of HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document received by the electronic document receiving unit 165 through the communication means is received by the affiliated store card issuing server 100 from the affiliated store terminal 190. A word processor including at least one predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or an HWP / DOC, etc.) containing one image content and the merchant card issuance application information. File, or a web document file including MHT).

Alternatively, the merchant card issuance request electronic document received by the electronic document receiving unit 165 through the communication means is the merchant card issuing application to the merchant card issuing server 100 to the image content received from the merchant terminal 190. Image content including at least one or more of customer information and payment account information included in the information by a watermarking method, and a predetermined document file (for example, PDF (Portable Document Format)) including the merchant card issuance application information. File, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

The information generating unit 170 is a predetermined electronic document unique number (or unique information) to be assigned to the merchant card issuance application electronic document received through the electronic document receiving unit 165, and through the electronic document receiving unit 165 And generating electronic document management information including electronic document storage date and time information including a date and time at which the merchant card issuing application electronic document was received (or a date and time at which the merchant card issuing application electronic document was stored). .

According to an exemplary embodiment of the present invention, the information generating unit 170 refers to the affiliated store card issuing server 100 that transmits the affiliated card issuing application electronic document received through the electronic document receiving unit 165 to the affiliated store. It is preferable to check the financial institution that sent the card issuance request electronic document, and to generate electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the affiliated store card issuing server 100 through the electronic document receiving unit 165, the information generating unit 170 receives the received information. Electronic document related information (e.g., customer information for filling out a merchant card issuance application form corresponding to the image content, and / or financial institution information for transmitting the blind point card issuance application electronic document, and / or electronic document file format information, And / or the merchant card issuing application information, etc.).

The electronic document storage unit 173 associates the affiliated card issuing application electronic document received through the electronic document receiving unit 165 with the electronic document management information generated through the information generating unit 170 to process a predetermined electronic document. It is characterized in that the storage in the D / B (175).

According to one embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document storage unit 173 in the electronic document D / B 175 is the merchant card issuing server 100 is the merchant terminal ( Preferably, the image file including the image content received from 190 is included.

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 173 is the image received by the merchant card issuing server 100 from the merchant terminal 190. It is preferable that the contents include image files corresponding to image contents including at least one or more of customer information and payment account information included in the affiliated card issuing application information in a watermarking manner.

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 173 is the merchant card issuing server 100 at the affiliated store terminal. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a HWP / DOC or the like) including at least one predetermined document file including image content received from 190, Or a web document file including the MHT).

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 173 is an image content received by the merchant card issuing server 100 from the affiliated store terminal 190. A predetermined document file (for example, a PDF (Portable Document Format) file) including image content including at least one or more of customer information and payment account information included in the merchant card issuing application information in a watermarking manner. Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document storage unit 173 in the electronic document D / B 175 is the merchant card issuing server 100. A predetermined document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, HWP / DOC, etc.) containing the image content received from the merchant terminal 190 and the merchant card issuance application information And at least one word processor file or at least one web document file including the MHT.

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 175 by the electronic document storage unit 173 is an image content received by the merchant card issuing server 100 from the affiliated store terminal 190. A predetermined document file including image content including at least one or more of customer information and payment account information included in the merchant card issuing application information in a watermarking manner and the merchant card issuing application information (eg, A PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or the like, or a web document file including MHT).

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 175 by processing the electronic document storage unit 173 in association with the affiliated card issuance request electronic document is issued to the affiliated store card. It is preferable to include a predetermined electronic document unique number (or unique information) assigned to the application electronic document and the electronic document storage date and time information.

According to the exemplary embodiment of the present invention, the electronic document management unit 173 associates with the affiliated card issuance request electronic document and stores the electronic document management information stored in the electronic document D / B 175, the affiliated store card. The merchant card issuance request electronic document is transmitted to the merchant card issuance request electronic document is confirmed by preferably further comprising the financial institution information transmitted to the electronic document.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the affiliated card card issuing server 100, the electronic document storage unit 173 processes the link with the affiliated card issuing application electronic document. The electronic document management information stored in the electronic document D / B 175 may include the received electronic document related information (for example, customer information for preparing an application for issuing a merchant card corresponding to the image content, and / or the affiliate card). Financial institution information for transmitting the issuance application electronic document, and / or electronic document file format information, and / or the merchant card issue application information).

Figure 2 illustrates the configuration of merchant card issuing information stored in the ledger D / B (200) provided in the DBMS on the financial system in a face-to-face manner for the operation of multiple merchant cards associated with a single payment account according to an embodiment of the present invention Drawing.

In more detail, FIG. 2 shows the ledger information provided in the ledger D / B 200 when the storage medium 180 shown in FIG. 1 is the ledger D / B 200 provided in the DBMS on the financial system. After processing the merchant card issuance based on the merchant card issuance application information including the customer information and payment account information, and shows the configuration of information on the implementation method for storing the merchant card issuance information corresponding thereto, the present invention Those skilled in the art may refer to and / or modify this drawing to infer various information construction methods for storing the affiliated card issuance application information in the ledger D / B 200. The present invention includes all the implementation methods inferred above and is not limited to the implementation method shown in FIG.

Referring to Figure 2 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 200 provided in the DBMS on the financial system is a predetermined customer ledger, and an account ledger associated with the customer ledger (eg , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 200 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or at least for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that one or more additional information is included, and it will also be familiar with specific technical matters, so the detailed description thereof is intended for convenience. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Passbook number, interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transaction number, interest transfer account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

In addition, the virtual account ledger is linked to the account ledger in a relational form, and comprises at least one of a virtual account number, a virtual account attribute, a virtual account opening date, a mother account number, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the virtual account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

Referring to Figure 2, the merchant card issuing application information provided through the merchant card issuing system shown in Figure 1 is characterized in that stored in the form of additional information added to the virtual account ledger, the merchant card issuing application information Characterized in that it comprises at least one or more customer information, payment account information.

The customer information includes personal information of the customer (for example, the name, resident registration number, address, telephone number, mobile phone number, e-mail address, etc.) of the customer who filled out the merchant card issuance application, and the member information of the customer (for example, Member ID information provided in the customer ledger provided on the financial system associated with the merchant card issuing system in response to the customer by subscribing as a merchant card user using one or more of the merchants of the financial institution, or the merchant At least one member ID, CIF (Customer Information File) or the like provided on a database (not shown) provided in the server is preferably included.

The payment account information is a deposit deposited in any one of the financial account in response to the transaction authorization request through the issuing merchant card among the one or more financial accounts owned by the customer who wrote the merchant card issuance application form; (Or value) of at least one or more of the account number, account alias, account holder's name, etc. for the target financial account to be used for the transaction approval, the payment account is preferably made by the customer It is preferably an account in which the cash held is deposited and / or a financial account in which the value provided to the customer (eg, the value corresponding to one or more of points, miles, discount coupons, gift certificates) is deposited.

The card information may include a card number (eg, a 16-digit card number, etc.) corresponding to the affiliated card, a card issuer information (or code) that issued the affiliated card, and an expiration date information (optionally) for the affiliated card. At least one) is preferably included.

According to another exemplary embodiment of the present invention, the merchant card issuance application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

3A and 3B illustrate a process of registering merchant card issuing application information in a face-to-face manner according to one embodiment of the present invention.

3a and 3b show the affiliated terminal 190 on the affiliated card issuing system shown in FIG. 1 is an employee terminal 195 provided at a branch (or branch) of a financial institution, and the affiliated card issuing server When the 100 has a ledger server (not shown) function on the financial system associated with the employee terminal 195 through a predetermined communication network, a predetermined customer may operate a plurality of merchant cards associated with a single payment account. When a merchant card issuance application form including at least one of customer information and payment account information is prepared and submitted, a predetermined image content corresponding to the merchant card issuance application form is obtained through a predetermined image acquisition device at a predetermined employee terminal 195. The merchant card issuing application corresponding to the merchant card issuing application is obtained through a predetermined card issuing interface and the merchant card issuing system. And providing the image content obtained from the merchant card issuance application form, generates a predetermined merchant card issuance application electronic document including the image content and stores it in a predetermined electronic document storage, and includes the merchant card issuance application information. The method of the present invention relates to an implementation method of linking the stored customer information and payment account information to a predetermined storage medium 180, and specifically, to the affiliated store card issuance application form through a predetermined image acquisition device in the employee terminal 195. Acquires predetermined image content and transmits it to the merchant card issuing server 100, and then inputs (or selects) merchant card issuing application information corresponding to the merchant card issuing application form and the merchant card issuing server 100. It shows a method of transmitting to.

Those skilled in the art to which the present invention pertains, refer to and / or modify the drawings 3a and 3b to apply for issuing the merchant card from the employee terminal 195 to the merchant card issuing server 100. Various implementation methods for registering information may be inferred, but the present invention includes all the implementation methods inferred above and is not limited to the implementation methods shown in FIGS. 3A and 3B.

For example, in the implementation method illustrated in FIGS. 3A and 3B, the employee terminal 195 acquires predetermined image contents corresponding to the affiliated card issuance application through a predetermined image acquisition device, and / or the affiliated card. Although it is illustrated and described as receiving a user interface for inputting (or selecting) merchant card issuing application information corresponding to the issuance application form from the merchant card issuing server 100, a predetermined merchant card issuing application is made to the employee terminal 195. When the program is provided, the user interface may not be provided from the merchant card issuing server 100, and the present invention is not limited thereto.

3A and 3B, the employee terminal 195 shown in FIG. 1 is referred to as a “terminal” for convenience, and the affiliated card card issuing server 100 shown in FIG. 1 is referred to as a “server” for convenience. The customer information and payment account information transmitted from the employee terminal 195 to the affiliated card issuing server 100 is referred to as "membership card issuing application information" for convenience.

Referring to Figures 3a and 3b, when a predetermined customer fills out and submits an application for issuing a merchant card including at least one of customer information and payment account information to operate a plurality of merchant cards associated with a single payment account, the drawing 1 The employee terminal 195 shown in FIG. 1 is a user interface for operating a plurality of merchant cards associated with a single payment account corresponding to the merchant card issuance application form, in a state in which a predetermined communication channel is connected to the server through a predetermined communication network. In response to the request (300), the server in response to the user interface for obtaining a predetermined image content corresponding to the merchant card issuance application written by the customer through a predetermined image acquisition device from the terminal to transmit to the server; Generate (or extract) 305 and generate (or extract) the user interface via the communication network; Send the device to the terminal, and outputs (310).

Thereafter, the terminal acquires image content corresponding to the affiliated card issuance application through a predetermined image acquisition device based on the user interface (315).

If the image content corresponding to the merchant card issuance application is obtained through the image acquisition device (320), the terminal transmits the acquired image content to the server through the communication network (325).

Thereafter, the server inputs (or selects) merchant card issuing application information including at least one of customer information and payment account information corresponding to the merchant card issuing application matching the image content and transmits the same to the server. The method generates (or extracts) 330 and transmits the generated (or extracted) user interface to the terminal through the communication network and outputs the terminal 335.

Thereafter, the terminal inputs (or selects) merchant card issuance application information including at least one of the customer information and payment account information through the user interface (340).

If the merchant card issuance request information including at least one of the customer information and the payment account information is input (or selected) through the user interface (345), the terminal inputs (or selects) the server to the server through the communication network. In step 350, the merchant card issuance application information is transmitted.

Thereafter, the server receives and reads the affiliate card issuance application information including at least one of the customer information and the payment account information through the communication network, and confirms the validity of the affiliate card issuance application information (355).

According to the method of the present invention, the validation of the merchant card issuance request information is at least one or more matching the merchant card issuance application information to the ledger D / B (200) on the financial system associated with the merchant card issuance system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 125 is the information contained in the merchant card issuance application information, the customer information (customer personal information, or member information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the merchant card issuing application information is not authenticated (358), the server generates error information for a predetermined merchant card issuing application and transmits it to the terminal (360), the merchant card issuing application information Do not perform the corresponding merchant card issuance procedure.

On the other hand, if the validity of the merchant card issuance application information is verified (358), the server checks the account ledger corresponding to the payment account included in the merchant card issuance application information (361), and the confirmed account ledger A part (or full amount) of the payment account balance checks whether one or more card ledgers operating merchant card processing transaction approval are connected (362).

According to the method of the present invention, checking whether one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuance application information is connected to the merchant card. By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers associated with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the merchant card issuance application information. It is desirable to check whether one or more card ledgers operating the merchant card processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (363), the server generates card ledger information for operating the affiliated store card requesting the issuance (364). In operation 365, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (363), the server generates card ledger information for operating the merchant card requested by the customer (issuance); 366), after generating a card ledger corresponding to the merchant card to be issued to the customer (367), and adds the generated card ledger to the N card ledger of the account ledger corresponding to the payment account (368). In operation 369, the generated card ledger information is included in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, add the generated card ledger as the M (M = N + 1) card ledger to the account ledger corresponding to the payment account, and It is preferable to process so that the card ledger information for operating the merchant card requested by the customer in the generated card ledger is generated and stored.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first merchant card that uses a portion (or all) of the payment account balance for transaction approval requests for issuing a second merchant card that uses a portion (or all) of the payment account balance for transaction approval, After generating the card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second merchant card, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Thereafter, the server generates a predetermined merchant card issuance request electronic document including the image content (370).

According to an embodiment of the present invention, the server operates a plurality of merchant cards associated with the single payment account as it is, the image file including the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is desirable to process the merchant card issuance application for electronic documents.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is preferable to generate a merchant card issuing application electronic document for operating a plurality of merchant cards associated with the single payment account image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the affiliated store terminal 190 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby operating multiple merchant cards associated with the single payment account. It is preferable to create an electronic document for issuing merchant card issuance.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) application for issuing a merchant card for operating a plurality of merchant cards associated with the single payment account by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may receive the merchant card issuing information received through the image receiving unit 115 and the image content received from the affiliated store terminal 190 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the merchant card issuance application information. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to operate multiple merchant cards associated with the single payment account. It is preferable to create an electronic document for issuing merchant card issuance.

If the person skilled in the art to which the present invention belongs, the technical feature that the server generates the merchant card issuance application electronic document in the image file format and / or a predetermined document file format, and the merchant card issuance application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated merchant card issuance application electronic document in a predetermined electronic document storage (375).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 163 and an electronic document D / B 175 associated with a server on the affiliated card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated merchant card issuance request electronic document to the electronic document server 163 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the merchant card issuing system, the server sends the generated merchant card issuing application electronic document to the electronic document storage on the DBMS provided in the merchant card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the affiliate card issuance application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated merchant card issuance application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the merchant card issuance application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the merchant card issuance application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out a merchant card issuance application form corresponding to the image content, and / or financial institution information for transmitting the merchant card issuance application electronic document, and / Or electronic document file format information, and / or the merchant card issuance application information, etc.) is preferably made.

If the merchant card issuance request electronic document is stored in the electronic document storage (380), the server issuing and processing a merchant card based on the customer information and payment account information included in the merchant card issuance application information (385). In operation 390, the merchant card issuing information regarding the merchant card issuing processing result is stored in the storage medium 180.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the affiliate card can be used, and may be omitted if the expiration date does not exist in the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When the predetermined card information provided in the affiliated card is generated by the server, the server generates a merchant card including the card information through the card issuing device 185 (or includes the card information in the affiliated card). The merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the merchant card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined merchant card to be issued to the customer is issued.

Alternatively, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in a memory provided in the IC chip of the merchant card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information through the card issuing device 185 to the IC chip. By recording in the memory of the card, a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

4A and 4B illustrate a process of registering merchant card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

4a and 4b show the affiliated terminal 190 on the affiliated card issuing system shown in FIG. 1 is an employee terminal 195 provided at a financial institution branch (or branch), and the affiliated card issuing server ( When 100) has a ledger server (not shown) function in the financial system associated with the employee terminal 195 through a predetermined communication network, a predetermined customer is required to operate a plurality of merchant cards associated with a single payment account. If a merchant card issuance application form including at least one information and payment account information is prepared and submitted, the predetermined employee terminal 195 acquires predetermined image contents corresponding to the merchant card issue application form through a predetermined image acquisition device. And merchant card issuing application information corresponding to the merchant card issuing application to the merchant card issuing system through a predetermined card issuing interface. And providing the image content obtained from the merchant card issuance application form, generates a predetermined merchant card issuance application electronic document including the image content and stores it in a predetermined electronic document storage, and includes the merchant card issuance application information. The method of the present invention relates to an implementation method of interworking the stored customer information and payment account information in a predetermined storage medium 180, and specifically, affiliated store card issuing application information corresponding to the affiliated store card issuing application in the employee terminal 195. After inputting (or selecting) to the merchant card issuing server 100 and transmitting the predetermined image content corresponding to the merchant card issuing application through a predetermined image acquisition device, the merchant card issuing server 100 It shows a method of transmitting to.

Those skilled in the art to which the present invention pertains, the merchant card issuing application information from the employee terminal (195) to the merchant card issuing server 100 by referring to and / or modified in the drawings 4a and 4b. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 4a and 4b.

For example, in the implementation method illustrated in FIGS. 4A and 4B, the employee terminal 195 acquires predetermined image contents corresponding to the affiliated card issuance application through a predetermined image acquisition device, and / or the affiliated card. Although it is illustrated and described as receiving a user interface for inputting (or selecting) merchant card issuing application information corresponding to the issuance application form from the merchant card issuing server 100, a predetermined merchant card issuing application is made to the employee terminal 195. When the program is provided, the user interface may not be provided from the merchant card issuing server 100, and the present invention is not limited thereto.

4a and 4b, the employee terminal 195 shown in FIG. 1 is referred to as a " terminal " for convenience, and the merchant card issuing server 100 shown in FIG. 1 is referred to as a " server " The customer information and payment account information transmitted from the employee terminal 195 to the affiliated card issuing server 100 is referred to as "membership card issuing application information" for convenience.

Referring to FIGS. 4A and 4B, when a predetermined customer fills out and submits an application for issuing a merchant card including at least one of customer information and payment account information to operate a plurality of merchant cards associated with a single payment account, the drawing 1 The employee terminal 195 shown in FIG. 1 is a user interface for operating a plurality of merchant cards associated with a single payment account corresponding to the merchant card issuance application form, in a state in which a predetermined communication channel is connected to the server through a predetermined communication network. In response to the request (400), the server correspondingly inputs (or selects) the merchant card issuing application information including at least one or more customer information and payment account information corresponding to the merchant card issuance application prepared by the customer to the server Generate (or extract) a user interface for transmission to the network (405), and generate (or And outputs to send the extracted) user interface to the mobile station 410. The

Thereafter, the terminal inputs (or selects) merchant card issuance application information including at least one of the customer information and payment account information through the user interface (415).

If the merchant card issuance request information including at least one of the customer information and payment account information is input (or selected) through the user interface (420), the terminal inputs (or selects) the server to the server through the communication network. ) Transmits the merchant card issuance application information (425).

Thereafter, the server receives and reads merchant card issuing application information including at least one of the customer information and payment account information through the communication network, and confirms the validity of the merchant card issuing application information (430).

According to the method of the present invention, the validation of the merchant card issuance request information is at least one or more matching the merchant card issuance application information to the ledger D / B (200) on the financial system associated with the merchant card issuance system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 125 is the information contained in the merchant card issuance application information, the customer information (customer personal information, or member information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the merchant card issuing application information is not authenticated (435), the server generates error information for a predetermined merchant card issuing application and transmits it to the terminal (440), the merchant card issuing application information Do not perform the corresponding merchant card issuance procedure.

On the other hand, if the validity of the merchant card issuing application information is authenticated (435), the server checks the account ledger corresponding to the payment account included in the merchant card issuing application information (441), and the confirmed account ledger A portion (or the total) of the payment account balance checks whether one or more card ledgers operating merchant card processing transaction approval are connected (442).

According to the method of the present invention, checking whether one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuance application information is connected to the merchant card. By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers associated with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the merchant card issuance application information. It is desirable to check whether one or more card ledgers operating the merchant card processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates card ledger information for operating the affiliated store card requesting the issuance (444). In operation 445, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (443), the server generates card ledger information for operating the merchant card requested by the customer (issuance); 446), after generating a card ledger corresponding to the merchant card to be issued to the customer (447), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (448). In operation 449, the generated card ledger information is stored in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

In addition, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, generates card ledger information for operating the merchant card requested by the customer, After generating a card ledger corresponding to the merchant card, the generated card ledger is added to the account ledger corresponding to the payment account as a first card ledger, and the customer requests issuance to the generated card ledger. It is preferable to process the card ledger information for operating the merchant card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first merchant card that uses a portion (or all) of the payment account balance for transaction approval requests for issuing a second merchant card that uses a portion (or all) of the payment account balance for transaction approval, After generating the card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second merchant card, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each of the merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Thereafter, the server generates (or extracts) a user interface for acquiring predetermined image contents corresponding to the affiliated card issuance application form prepared by the customer through the predetermined image obtaining apparatus and transmitting the predetermined image content to the server (450). In operation 452, the generated (or extracted) user interface is transmitted to the terminal through the communication network.

Thereafter, the terminal acquires image content corresponding to the affiliated store card issuance application through a predetermined image acquisition device based on the user interface (455).

If the image content corresponding to the merchant card issuance application is obtained through the image acquisition device (460), the terminal transmits the obtained image content to the server through the communication network (465).

The server receiving the affiliated card issuing application information and the image content from the terminal generates a predetermined merchant card issuing application electronic document including the image content (470).

According to an embodiment of the present invention, the server operates a plurality of merchant cards associated with the single payment account as it is, the image file including the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is desirable to process the merchant card issuance application for electronic documents.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is preferable to generate a merchant card issuing application electronic document for operating a plurality of merchant cards associated with the single payment account image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the affiliated store terminal 190 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby operating multiple merchant cards associated with the single payment account. It is preferable to create an electronic document for issuing merchant card issuance.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) application for issuing a merchant card for operating a plurality of merchant cards associated with the single payment account by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may receive the merchant card issuing information received through the image receiving unit 115 and the image content received from the affiliated store terminal 190 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the merchant card issuance application information. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby operating multiple merchant cards associated with the single payment account. It is a good idea to create an electronic document for issuing merchant cards.

If the person skilled in the art to which the present invention belongs, the technical feature that the server generates the merchant card issuance application electronic document in the image file format and / or a predetermined document file format, and the merchant card issuance application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated merchant card issuance application electronic document in a predetermined electronic document storage (475).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 163 and an electronic document D / B 175 associated with a server on the affiliated card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated merchant card issuance request electronic document to the electronic document server 163 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the merchant card issuing system, the server stores the generated merchant card issuing application electronic document in the electronic document storage on the DBMS provided in the merchant card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the affiliate card issuance application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated merchant card issuance application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the merchant card issuance application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the merchant card issuance application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out a merchant card issuance application form corresponding to the image content, and / or financial institution information for transmitting the merchant card issuance application electronic document, and / Or electronic document file format information, and / or the merchant card issuance application information).

If the merchant card issuance request electronic document is stored in the electronic document storage (480), the server issuing and processing a merchant card based on the customer information, payment account information included in the merchant card issuance application information (485) In operation 490, merchant card issuing information regarding the merchant card issuing processing result is stored in the storage medium 180.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information may include a period (or an expiration date) in which the affiliate card may be used, and may be omitted when there is no expiration date on the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When the predetermined card information provided in the affiliated card is generated by the server, the server generates a merchant card including the card information through the card issuing device 185 (or includes the card information in the affiliated card). The merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the merchant card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined merchant card to be issued to the customer is issued.

Alternatively, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in a memory provided in the IC chip of the merchant card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information through the card issuing device 185 to the IC chip. By recording in the memory of the card, a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

5A and 5B illustrate a process of registering merchant card issuing application information in a face-to-face manner according to another exemplary embodiment of the present invention.

5A and 5B show the affiliated terminal 190 on the affiliated card issuing system shown in FIG. 1 as an employee terminal 195 provided at a financial institution branch (or branch), and the affiliated card issuing server ( When 100) has a ledger server (not shown) function in the financial system associated with the employee terminal 195 through a predetermined communication network, a predetermined customer is required to operate a plurality of merchant cards associated with a single payment account. When a merchant card issuance application form including at least one information and payment account information is prepared and submitted, a predetermined image content corresponding to the affiliated store card issuance application form is obtained through a predetermined image acquisition device at a predetermined employee terminal 195. The merchant card issuing application corresponding to the merchant card issuing application is obtained through a predetermined card issuing interface and the merchant card issuing system. And providing the image content obtained from the merchant card issuance application form, generates a predetermined merchant card issuance application electronic document including the image content and stores it in a predetermined electronic document storage, and includes the merchant card issuance application information. The method of the present invention relates to an implementation method of linking the stored customer information and payment account information to a predetermined storage medium 180, and specifically, to the affiliated store card issuance application form through a predetermined image acquisition device in the employee terminal 195. A method of obtaining a predetermined image content, inputting (or selecting) merchant card issuing application information corresponding to the merchant card issuing application, and transmitting the same to the merchant card issuing server 100 is shown.

Those skilled in the art to which the present invention pertains, the merchant card issuing application information from the employee terminal (195) to the merchant card issuing server 100 by referring to and / or modified in the drawings 5a and 5b. It will be possible to infer various implementation methods for registering the present invention, but the present invention includes all the implementation methods inferred above, and is not limited to the implementation method shown in Figures 5a and 5b.

For example, in the implementation method illustrated in FIGS. 5A and 5B, the employee terminal 195 acquires predetermined image contents corresponding to the affiliated card issuance application through a predetermined image acquisition device, and / or the affiliated card. Although it is illustrated and described as receiving a user interface for inputting (or selecting) merchant card issuing application information corresponding to the issuance application form from the merchant card issuing server 100, a predetermined merchant card issuing application is made to the employee terminal 195. When the program is provided, the user interface may not be provided from the merchant card issuing server 100, and the present invention is not limited thereto.

5a and 5b, the employee terminal 195 shown in FIG. 1 is referred to as a “terminal” for convenience, and the affiliated card card issuing server 100 shown in FIG. 1 is referred to as a “server” for convenience. The customer information and payment account information transmitted from the employee terminal 195 to the affiliated card issuing server 100 is referred to as "membership card issuing application information" for convenience.

Referring to FIGS. 5A and 5B, when a predetermined customer fills out and submits an application for issuing a merchant card including at least one of customer information and payment account information in order to operate a plurality of merchant cards associated with a single payment account, the drawing 1 The employee terminal 195 shown in FIG. 1 is a user interface for operating a plurality of merchant cards associated with a single payment account corresponding to the merchant card issuance application form, in a state in which a predetermined communication channel is connected to the server through a predetermined communication network. In response to the request (500), in response to the server inputs (or selects) the merchant card issuance application information corresponding to the merchant card issuance application written by the customer in the terminal, the merchant card through a predetermined image acquisition device User interface for acquiring predetermined image content corresponding to the issuance application form and transmitting it to the server A face is generated (or extracted) (505), and the generated (or extracted) user interface is transmitted to the terminal and output (510) through the communication network.

Thereafter, the terminal inputs (or selects) merchant card issuance application information including at least one of the customer information and payment account information through the user interface (515).

If the merchant card issuance application information including at least one of the customer information and the payment account information is input (or selected) through the user interface (520), the terminal uses a predetermined image acquisition apparatus based on the user interface. Obtaining the image content corresponding to the merchant card issuance application through the (525).

If the image content corresponding to the merchant card issuance application is obtained through the image acquisition device (530), the terminal transmits the merchant card issuance application information and the image content to the server through the communication network (535).

Thereafter, the server receives and reads the affiliate card issuance application information including at least one of the customer information and the payment account information through the communication network, and confirms the validity of the affiliate store card issuance application information (540).

According to the method of the present invention, the validation of the merchant card issuance request information is at least one or more matching the merchant card issuance application information to the ledger D / B (200) on the financial system associated with the merchant card issuance system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 125 is the information contained in the merchant card issuance application information, the customer information (customer personal information, or member information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferably made to check whether the match with the customer ledger stored in B (200).

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 200 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the merchant card issuing application information is not authenticated (545), the server generates error information for a predetermined merchant card issuing application and transmits it to the terminal (550), the merchant card issuing application information Do not perform the corresponding merchant card issuance procedure.

On the other hand, if the validity of the merchant card issuing application information is authenticated (545), the server checks the account ledger corresponding to the payment account included in the merchant card issuing application information (551), the account ledger A partial (or full) portion of the payment account balance checks whether one or more card ledgers operating merchant card processing transaction approval are connected (552).

According to the method of the present invention, checking whether one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuance application information is connected to the merchant card. By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers connected with the confirmed account ledger, transaction approval is performed through the balance of the payment account included in the merchant card issuance application information. It is desirable to check whether one or more card ledgers operating the merchant card processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (553), the server generates card ledger information for operating the affiliated store card requesting the issuance (554). In operation 555, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (553), the server generates card ledger information for operating the merchant card requested by the customer (issuance); 556), after generating a card ledger corresponding to the merchant card to be issued to the customer (557), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (558). In operation 559, the generated card ledger information is stored in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card source ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

Here, if there is no first card ledger corresponding to the first merchant card as a result of the check, the first card ledger for storing the card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first merchant card that uses a portion (or all) of the payment account balance for transaction approval requests for issuing a second merchant card that uses a portion (or all) of the payment account balance for transaction approval, After generating the card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second merchant card, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Thereafter, the server generates a predetermined merchant card issuance request electronic document including the image content (560).

According to an embodiment of the present invention, the server operates a plurality of merchant cards associated with the single payment account as it is, the image file including the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is desirable to process the merchant card issuance application for electronic documents.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. It is preferable to generate a merchant card issuing application electronic document for operating a plurality of merchant cards associated with the single payment account image file corresponding to the image content including at least one or more information of the watermarking (Watermarking) method.

According to another exemplary embodiment of the present invention, the server may include a predetermined document file (eg, a Portable Document Format (PDF) file) including the image content received from the affiliated store terminal 190 through the image receiving unit 120. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby operating multiple merchant cards associated with the single payment account. It is preferable to create an electronic document for issuing merchant card issuance.

Alternatively, the server may include customer information and payment account information included in the merchant card issuance application information received through the information receiver 115 in the image content received from the merchant terminal 190 through the image receiver 120. Generates image content including at least one of the information in a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data Interchange) including the generated image content. E) application for issuing a merchant card for operating a plurality of merchant cards associated with the single payment account by generating a file, a word processor file including at least one or more HWP / DOC, or a web document file including MHT). It is desirable to create a document.

According to another exemplary embodiment of the present invention, the server may receive the merchant card issuing information received through the image receiving unit 115 and the image content received from the affiliated store terminal 190 through the image receiving unit 120. A predetermined document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more such as HWP / DOC, or a web document file including an MHT) Etc.), it is preferable to generate a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

Alternatively, the server may include customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 115 on the image content received from the affiliated store terminal 190 through the image receiving unit 120. Generates image content including at least one or more of the information by a watermarking method, and a predetermined document file (eg, a Portable Document Format (PDF) file) including the generated image content and the merchant card issuance application information. , Or an electronic data interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), thereby operating multiple merchant cards associated with the single payment account. It is preferable to create an electronic document for issuing merchant card issuance.

If the person skilled in the art to which the present invention belongs, the technical feature that the server generates the merchant card issuance application electronic document in the image file format and / or a predetermined document file format, and the merchant card issuance application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated merchant card issuance application electronic document in a predetermined electronic document storage (565).

As shown in FIG. 1, the electronic document repository includes a predetermined electronic document server 163 and an electronic document D / B 175 associated with a server on the affiliated card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated merchant card issuance request electronic document to the electronic document server 163 through the communication means to store in the electronic document D / B (175).

Alternatively, when the electronic document storage is provided on the DBMS provided in the merchant card issuing system, the server stores the generated merchant card issuing application electronic document in the electronic document storage on the DBMS provided in the merchant card issuing system. It is possible to store in the corresponding electronic document D / B 175, whereby the present invention is not limited.

According to the method of the present invention, storing the affiliate card issuance application electronic document in the electronic document storage, as shown in Figure 1 by linking the generated merchant card issuance application electronic document and predetermined electronic document management information It is preferable to include storing in the electronic document D / B (175).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the merchant card issuance application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that sent the merchant card issuance application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information for filling out a merchant card issuance application form corresponding to the image content, and / or financial institution information for transmitting the merchant card issuance application electronic document, and / Or electronic document file format information, and / or the merchant card issuance application information).

If the merchant card issuance application electronic document is stored in the electronic document storage (570), the server issuing and processing a merchant card based on the customer information, payment account information included in the merchant card issuance application information (575) In operation 580, the merchant card issuing information regarding the merchant card issuing processing result is stored in the storage medium 180 (580).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the affiliate card can be used, and may be omitted if the expiration date does not exist in the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When the predetermined card information provided in the affiliated card is generated by the server, the server generates a merchant card including the card information through the card issuing device 185 (or includes the card information in the affiliated card). The merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 185 records the card information on at least one or more MS tracks (eg, track I, track II, track III) included in the merchant card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 185. By writing to one or more MS tracks, a predetermined merchant card to be issued to the customer is issued.

Alternatively, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 185 comprises a device for recording the card information in a memory provided in the IC chip of the merchant card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information through the card issuing device 185 to the IC chip. By recording in the memory of the card, a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

6 is a diagram illustrating a non-face-to-face merchant card issuing system for operating a plurality of merchant cards associated with a single payment account according to another embodiment of the present invention.

More specifically, Figure 6 is a merchant card that includes at least one customer information, payment account information for a predetermined customer to operate the multiple merchant card associated with the single payment account to the merchant card issuing system through a predetermined card issuance interface If the issuing application information is provided, the merchant card issuing system generates a predetermined merchant card issuing application electronic document including the provided merchant card issuing application information and stores it in a predetermined electronic document repository, and stores the merchant card issuing application information. A system configuration for processing issuance of merchant card based on the included customer information and payment account information. Specifically, the electronic document repository is located on an external system linked with the blind point card issuing system through a predetermined communication means. It is about the implementation method provided.

Those skilled in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer various implementation methods for configuring a merchant card issuing system for operating multiple merchant cards associated with a single payment account. As will be appreciated, the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

For example, one of ordinary skill in the art to which the present invention pertains may refer to and / or modify this drawing 6 to infer an implementation method provided in a DBMS in which the electronic document repository is located in the merchant card issuing system. It will be appreciated that the present invention includes all implementation methods inferred above and is not limited to the implementation method illustrated in FIG.

In addition, according to the implementation method shown in FIG. 6, the merchant card issuance request electronic document is illustrated as being generated on the server side on the merchant card issuing system, but the present invention is not limited thereto. The merchant card issuance request electronic document may be generated at the terminal side which inputs (or selects) the merchant card issuance application information (for example, the electronic document generation function provided at the server side is provided at the terminal side. Create a card issuance request electronic document), thereby the present invention is not limited.

Hereinafter, the merchant card issuing application information is received from the customer through a predetermined card issuing interface on the merchant card issuing system shown in FIG. 6, and a predetermined merchant card issuing application electronic document is generated and stored in a predetermined electronic document repository. And a component corresponding to at least one or more means and / or functional configuration for processing merchant card issuance based on the customer information and payment account information included in the merchant card issuing application information, for convenience. ) ".

Referring to FIG. 6 according to an embodiment of the present invention, a merchant card issuing system for operating a plurality of merchant cards associated with a single payment account includes a client including at least one wired terminal and / or a wireless terminal used by a customer. And a card issuing terminal 695 including at least one terminal or the like, wherein the card issuing terminal 695 is a merchant card issuing server provided on the merchant card issuing system through a predetermined network means. 600 and a communication channel are connected.

According to one embodiment of the invention, the customer is connected to the merchant card issuing server 600 through at least one client terminal of a wired terminal connected to a predetermined wired communication network and / or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) merchant card issuing application information for operating a plurality of merchant card associated with the single payment account through at least one user interface provided by the merchant card issuing server 600, and at the client terminal. It is preferable to transmit to the merchant card issuing server 600 provided on the merchant card issuing system through a predetermined network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network and includes a desktop computer and / or a laptop connected to the TCP / IP based communication network. (Notebook) or at least one home appliance terminal (for example, a refrigerator, a set-top-box, etc.) connected to the TCP / IP-based communication network, or a kiosk (KIOSK) connected to the TCP / IP-based communication network It is preferable to make it.

In addition, a wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on Code Division Multiple Access (CDMA) (and / or High-Speed Downlink Packet Access (HSDPA)), and / or IEEE 802.16x based. A generic term for all terminal devices connected to the portable Internet and / or all terminal devices connected to an IEEE 802.11x based wireless LAN, and is connected to the CDMA based (and / or HSDPA based) mobile communication network (Personal Communication System; PCS). ) And / or Global System for Mobile communications (GSM) terminals and / or Personal Digital Cellular (PDC) and / or Personal Handyphone System (PHS) terminals and / or Personal Digital Assistants (PDAs) And / or a mobile Internet terminal connected to a smart phone and / or telematics, or the IEEE 802.16x based mobile internet, or the IEEE 802.11x based It is preferable to include at least one or more WLAN terminal connected to the WLAN.

In addition, the merchant card issuing server 600 connected to the client terminal may be any one of an internet banking server and / or a wireless banking server and / or a telebanking server and / or a TV banking server according to the characteristics of the client terminal and the network means. Or, and / or comprises a separate web server for issuing the merchant card.

In addition, the network means for connecting the client terminal and the merchant card issuing server 600 is a CDMA based (and / or HSDPA based) mobile communication network and / or IEEE 802.16x based, depending on the type of wireless communication network connected to the client terminal It is preferable that any one of the portable Internet and / or IEEE 802.11x based wireless LAN, and / or includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one user interface provided by the merchant card issuing server 600, and inputs and / or selects at least one or more information through the user interface to issue the merchant card issuing server 600. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function for communicating with the affiliated store card issuing server 600, etc.) for transmitting to the network is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals and / or wireless terminals, and thus the detailed description thereof is omitted for convenience. .

In the merchant card issuing system as described above, a client terminal including at least one or more wired terminals and / or wireless terminals used by the customer, and at least one wireline connecting the client terminal and the merchant card issuing server 600. The communication network and / or the wireless communication network perform a function of a card issuing interface for the customer to register the merchant card issuance application information for operating a plurality of merchant cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the card issuing terminal 695 may, in addition to the client terminal, have an automatic teller machine (ATM) and a cash automatic connected to a predetermined financial network (eg, a financial common network). It may further comprise an automated teller machine (not shown) including a Cash Dispenser (CD), and / or a fixed line such as a Public Switched Telephone Network (PSTN) or a Voice over IP (VoIP) network. Or further comprises a predetermined call terminal (not shown) connected to the telephone network, and / or a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, a wireless VoIP network, and / or Or a terminal (and / or server) (not shown) provided in at least one or more institutions affiliated with the financial institution, and the present invention is not limited thereto.

In the merchant card issuing system as described above, when the card issuing terminal 695 is the financial automatic device (not shown), the financial automated device (not shown) and the financial automated device (not shown) and the merchant card The financial network connecting the issuing server 600 performs a function of a card issuing interface for registering the merchant card issuing application information for the customer to operate a plurality of merchant cards associated with the single payment account, and / or the card. If the issuing terminal 695 is the call terminal (not shown), a wired telephone network and / or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the affiliated card card issuing server 600. The card issuance function for the customer to register the merchant card issuance application information for the operation of multiple merchant card associated with the single payment account can And / or when the card issuing terminal 695 is a terminal (and / or server) (not shown) provided in an institution affiliated with the financial institution, the terminal (and / or server) (not shown). And a network connecting the terminal (and / or server) (not shown) and the merchant card issuing server 600 to register the merchant card issuing application information for the customer to operate a plurality of merchant cards associated with the single payment account. It performs the function of card issuing interface.

The storage medium 685 provided on the merchant card issuing system according to the present invention is based on the merchant card issuing application information including one or more of the customer information and payment account information provided from the card issuing terminal 695. After issuing a merchant card to a customer, the merchant card issuing information including at least one of customer information, payment account information, and card information according to the issuing of the merchant card is characterized in that it is stored.

The customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is one of affiliated stores of the financial institution). By registering as a merchant card using customer through the above member ID information provided in the customer ledger provided on the financial system associated with the merchant card issuing system corresponding to the customer, or the database provided in the merchant (not shown) At least one member ID, or CIF (Customer Information File) number, etc.) provided on the) is preferably included.

The payment account information is a deposit (or deposit) in any one of the financial account in response to the request for the transaction approval through the merchant card requested to issue one or more of the financial accounts owned by the customer requesting the merchant card issuance (or Value (or a total) of at least one of the account number, account alias, account holder name, etc. for the target financial account to be used for transaction approval, wherein the payment account is the cash held by the customer It is preferred that the account is deposited and / or a financial account in which the value provided to the customer (eg, the value corresponding to one or more of points, miles, discount coupons, gift certificates) is deposited.

The card information includes at least a card number (eg, 16-digit card number) corresponding to the affiliated card, expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the issuance of the affiliated card. It is preferable to include one or more.

According to one embodiment of the invention, the storage medium 685 is preferably provided in a DBMS on a financial system provided on the merchant card issuing system (or associated with the merchant card issuing system), wherein The storage medium 685 may be ledger D / B provided in the DBMS on the financial system, and / or a predetermined database associated with the ledger D / B, and the present invention is not limited thereto.

According to another method of the present invention, the storage medium 685 is provided on (or associated with) the merchant card issuing system, and / or a telebanking system, and / or a wireless banking system, and It is possible to be provided in the DBMS on at least one or more banking system of the TV banking system, whereby the present invention is not limited.

The merchant card issuing server 600, which is provided on the merchant card issuing system according to the present invention, is a generic term for the components of the merchant card issuing system side connected to the card issuing terminal 695 through a predetermined network means. It may be implemented by including one or more servers (or devices), and / or by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wired terminal and / or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the merchant card issuing server 600 ) Is a predetermined Internet banking server provided on the Internet banking system, and / or a program provided on the Internet banking server, and / or a predetermined access to the external system of the financial system through the Internet banking system. A server (or device), a program included in the server (or device), and / or an external system on the financial system accessible through the internet banking server (and / or the server (or device)). It may be a server (or device) and / or a program provided in the external world on the financial system, whereby It was not limited.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wireless terminal connectable to a wireless banking server on a predetermined wireless banking system, the affiliated card issuing server 600 is a wireless terminal. Any server (or device) that is a predetermined wireless banking server provided on a banking system, and / or a program included in the wireless banking server, and / or is accessible to the outside world of the financial system through the wireless banking system. A server (or device) provided to the external system on the financial system, or a program included in the server (or device), and / or accessible through the wireless banking server (and / or the server (or device)). Or / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the affiliated card card issuing server 600 may be connected to the telebanking server. A predetermined telebanking server (e.g., an Automatic Response Service (ARS) server) provided on a banking system, and / or a program provided in the telebanking server, and / or through the telebanking system, The finance which is a predetermined server (or device) accessible to the outside world, a program included in the server (or device), and / or accessible through the telebanking server (and / or the server (or device)) It may be a server (or device) provided in the external system on the system, and / or a program provided in the external system on the financial system, whereby the present invention It shall be defined.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a wired terminal (or two-way digital TV) connectable to a TV banking server on a predetermined TV banking system, the affiliated card issuing server 600 is A predetermined TV banking server provided on the TV banking system, and / or a program provided on the TV banking server, and / or a predetermined server accessible to the external system of the financial system through the TV banking system ( Or a device provided in the external system on the financial system which is a program provided in the server (or device) and / or accessible through the TV banking server (and / or the server (or device)). Or a device), and / or a program included in the external system on the financial system, and the present invention is not limited thereto.

According to an embodiment of the present invention, the affiliated store card issuing server 600 includes an interface unit 605 (or interface means) for connecting and managing a predetermined communication channel with the card issuing terminal 695 through the network means. It is characterized by comprising.

According to an embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wired terminal and / or a wireless terminal connected to a predetermined wired communication network and / or a wireless communication network, the interface unit 605 At least one or more information (or a predetermined communication channel) is connected to the client terminal based on a protocol stack defined in the wired communication network and / or a wireless communication network, and using a communication protocol defined in a communication program included in the client terminal. It is desirable to provide a communication interface for transmitting and receiving data.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 605 connects a communication channel with the client terminal based on the TCP / IP protocol. It provides a communication interface for transmitting and receiving web pages (eg, Hyper-Text Markup Language (HTML) compatible web pages) and / or information using the HTPP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the affiliated card card issuing server 600, the interface unit 605 is connected to the client terminal based on the TCP / IP protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a financial automatic device connected to a predetermined financial network, the interface unit 605 may be configured to perform the financial based on the protocol stack defined in the financial network. It is desirable to provide a communication interface for connecting at least one communication channel with an automation device and for transmitting and receiving at least one information (or data) using a communication protocol defined in a financial transaction related program included in the automated teller machine.

According to another embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 605 is a protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal and connecting a predetermined communication channel with the client terminal. .

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) and / or a Mobile Explorer (ME) protocol is provided in the client terminal, the interface unit 605 communicates with the client terminal based on the CDMA protocol. And a communication interface for transmitting and receiving web pages (eg, WML (Wireless Markup Language) compatible web pages, or HTML compatible web pages) and / or information using the WAP / ME protocol defined in the browser program. .

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the merchant card issuing server 600, the interface unit 605 is based on the CDMA protocol. And a communication channel and provide a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface unit 605 is connected to the wired telephone network and / or It is preferable to connect a communication terminal (not shown) with a predetermined call path based on a voice call protocol defined in a wireless telephone network, and to provide a communication interface for transmitting and receiving the voice call-based information (or data).

For example, the interface unit 605 may provide a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, and / or a communication interface for transmitting and receiving information based on voice recognition. to provide.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface unit 605 may define a protocol defined in the TV banking system. Connect a predetermined communication channel with the wired terminal (or bidirectional digital TV) based on the stack, and use the communication protocol defined in the communication program included in the wired terminal (or bidirectional digital TV) at least one or more information (or It is desirable to provide a communication interface for transmitting and receiving data.

Referring to FIG. 6, when the affiliated card issuing server 600 connects a predetermined communication channel with the affiliated card issuing server 600 through the interface unit 605, a predetermined card issuing terminal 695, At least one or more to input (or select) predetermined merchant card issuing application information from the card issuing terminal 695 to operate the multiple merchant card associated with the single payment account to transmit to the merchant card issuing server 600 Interface providing unit 610 (or interface providing means) for generating (or extracting) a user interface and providing the generated (or extracted) user interface to the card issuing terminal 695 in association with the interface unit 605. And, when the card issuing terminal 695 inputs (or selects) the merchant card issuing application information through the user interface and transmits the information, Characterized in that obtained by having a seubu 605 and the information receiving unit 615 for receiving the merchant card issuing application information sent from the card issuing station (695) in conjunction (or information receiving means).

The interface provider 610 is connected to the merchant card issuing server 600 and a predetermined communication channel through the card issuing terminal 695 through the interface unit 605, the merchant card issuing server 600 When requesting a user interface for operating a plurality of merchant cards associated with the single payment account, the card issuing terminal 695 inputs (or selects) predetermined merchant card issuance application information from the card issuing merchant card through the network means. Create at least one user interface for transmission to the issuing server 600, and / or extract from a predetermined database (not shown), and in conjunction with the interface unit 605 to generate the generated (or extracted) user interface The card issuing terminal 695 is provided through the network means.

According to an embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface providing unit 610 may include a browser program provided in the client terminal; And / or generate (or extract) a predetermined user interface that can be provided to a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a financial automatic device connected to a predetermined financial network, the interface providing unit 610 may be a financial transaction related program provided in the financial automatic device. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the ATM using the interface unit 605.

According to another embodiment of the present invention, when the card issuing terminal 695 is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 610 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program and / or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 605.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a call terminal (not shown) connected to a wired telephone network and / or a wireless telephone network, the interface providing unit 610 may call the call terminal (not shown). Generate (or extract) a predetermined user interface that can be provided as an omission, and generate the user interface (eg, ARS based user interface) through the interface unit 605 to the call terminal (not shown). Is preferably provided.

According to another exemplary embodiment of the present invention, when the card issuing terminal 695 is a wired terminal (or two-way digital TV) connected to a TV banking system, the interface providing unit 610 may provide the wired terminal (or two-way digital). It is preferable to generate (or extract) a predetermined user interface that can be provided to a TV) and to provide the generated (or extracted) user interface to the wired terminal (or interactive digital TV) through the interface unit 605. .

At least one or more to input (or select) predetermined merchant card issuing application information to the card issuing terminal 695 according to another embodiment of the present invention to transmit to the merchant card issuing server 600 through the network means. When a predetermined merchant card issuance application program having a user interface is provided, a user interface for inputting (or selecting) predetermined merchant card issuance application information as described above to be transmitted to the merchant card issuing server 600 is generated. The interface providing unit 610 (or extracted) provided to the card issuing terminal 695 may be omitted, and the present invention is not limited thereto.

Thereafter, the card issuing terminal 695 inputs (or selects) merchant card issuing application information including at least one of the customer information and payment account information through the user interface, and the entered (or selected) merchant card. Issuing application information is transmitted to the merchant card issuing server 600 through the network means, and correspondingly, the information receiving unit 615 is transmitted from the card issuing terminal 695 in association with the interface unit 605. Characterized in that for receiving the merchant card issuance application information.

According to an embodiment of the present invention, the card issuing terminal 695 is the merchant card issuing application information including at least one or more of the customer information and the payment account information. At least one or more of a predetermined password and / or security card information and / or an OTP code generated through a predetermined one time password (OTP) generator for checking the validity of the affiliated card through the network means It is preferable to transmit to the issuing server 600.

According to an embodiment of the present invention, the card issuing terminal 695 may include at least one encryption method (for example, a symmetric key based encryption method) for the merchant card issuing application information including at least one of the customer information and payment account information. And / or public key based encryption, and / or electronic envelope based encryption, and / or key exchange based encryption, etc.) and / or attach a predetermined electronic signature to the merchant card issuing application information. Preferably, the card issuing terminal 695 has at least one encryption key corresponding to the encryption scheme, and / or at least one encryption key. Have a predetermined certificate containing a key, and / or the certificate of approval has a predetermined IC chip (or IC) Card), it is preferable that a card reader for confirming the official certificate provided on the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the merchant card issuing application information, and technical features of attaching a predetermined electronic signature to the merchant card issuing application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Referring to FIG. 6, when the affiliated card issuing server 600 receives the affiliated card issuing application information transmitted from the card issuing terminal 695 through the information receiving unit 615, the received merchant card issuing application is received. Characterized in that it comprises a validity check unit 620 (or validity verification means) for confirming whether the information satisfies the validity for operating the multiple merchant card associated with the single payment account.

According to an embodiment of the present invention, the merchant card issuance application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the validity verification unit 620 may include at least one decryption scheme (eg, a symmetric key-based decryption scheme) corresponding to the encryption scheme for the encrypted merchant card issuance application information. / Or public key based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is preferable to authenticate the validity of the received merchant card issuance application information.

Alternatively, when a predetermined electronic signature is attached to the affiliated card issuing application information, the validity verification unit 620 checks the electronic signature attached to the affiliated card issuing application information, thereby receiving the received merchant card issuing application information. It is desirable to authenticate validity.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption schemes for decrypting the encrypted merchant card issuing application information, and the technical to confirm the electronic signature attached to the merchant card issuing application information Since you will be familiar with the features, a detailed description thereof will be omitted.

When the merchant card issuing application information received through the information receiving unit 615 according to an embodiment of the present invention further includes a predetermined password for checking the validity of the merchant card issuing application information, the validity checking unit 620, by comparing and verifying the password included in the affiliated card issuing application information and the password provided corresponding to the customer on the DBMS, it is preferable to authenticate the validity of the received merchant card issuing application information. Do.

Alternatively, when the affiliated card issuing application information received through the information receiving unit 615 further includes predetermined security card information for confirming the validity of the affiliated card issuing application information, the validity checking unit 620 Compares and authenticates the received security card information included in the affiliated card issuing application information and the security card information provided corresponding to the customer on the DBMS, thereby authenticating the validity of the received merchant card issuing application information. desirable.

Or, if the merchant card issuance application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the merchant card issuance application information, the validity verification unit 620 is Comparing and authenticating the received OTP code included in the merchant card issuing application information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS, the received merchant card issuing application information It is desirable to authenticate the validity of the.

According to the implementation method of the present invention, the validation of the merchant card issuance request information is at least one ledger information matching the merchant card issuance application information in the ledger D / B on the financial system associated with the merchant card issuance system It is preferable to include checking whether it is registered.

For example, the validity verification unit 620 is the information contained in the merchant card issuance application information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferable to include checking whether the match with the customer ledger stored in B.

Alternatively, the validity check of the merchant card issuing application information may include: the customer ledger stored in the ledger D / B on the financial system linked to the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that it matches the linked ledger.

Alternatively, the verification of the validity of the merchant card issuing application information may include: the account ledger stored in the ledger D / B on the financial system linked to the merchant card issuing system, among the information included in the merchant card issuing application information; It is desirable to include checking that a match is found.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

Referring to FIG. 6, when validity of the affiliated card issuing application information is authenticated through the validity checking unit 620, the affiliated card issuing server 600 corresponds to a payment account included in the affiliated card issuing application information. An information checking unit 635 (or information checking means) for checking whether the account ledger is connected with one or more card ledgers operating an affiliated card for processing transaction approval through the payment account balance; In response to a card ledger corresponding to one or more merchant cards connected to the account ledger corresponding to the payment account, the card ledger information for operating the merchant card requested by the customer and the card ledger information are stored. Create a card ledger to be made, and copy the generated card ledger as a new card ledger other than the card ledger connected with the account ledger. It will be in after the connection, characterized in that formed by having the generated ledger card to process ledger information that is stored in processor 640 (or the ledger processing means) to the new card ledger.

When the validity of the merchant card issuing application information is authenticated through the validity checking unit 620, the information checking unit 635 is the payment account in the account ledger corresponding to the payment account included in the merchant card issuing application information. It is characterized by checking whether or not one or more card ledgers operating the merchant card processing the transaction approval through the balance.

According to the implementation method of the present invention, whether the one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuing application information is connected, the merchant By first confirming the account ledger corresponding to the payment account included in the card issuing application information, and confirming at least one ledger connected with the confirmed account ledger, the transaction is approved through the balance of the payment account included in the merchant card issuing application information. It is desirable to check whether one or more card ledgers operating merchant card processing are connected.

The ledger processing unit 640 may be configured to operate a merchant card requested by the customer when the card ledger corresponding to one or more affiliated store cards is connected to the account ledger corresponding to the payment account in response to the verification result. After generating the card ledger information and the card ledger for storing the card ledger information, connect the generated card ledger to a new card ledger other than the card ledger connected with the account ledger, and then generate the card ledger information. Characterized in that it is processed to be stored card ledger information.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first merchant card that uses a portion (or all) of the payment account balance for transaction approval requests for issuing a second merchant card that uses a portion (or all) of the payment account balance for transaction approval, After generating the card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second merchant card, and adding it to the second card ledger of the account ledger. It is preferable to process the connection so that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Referring to FIG. 6, if validity of the affiliated card issuing application information is authenticated through the validity checking unit 620, the affiliated card issuing server 600 is based on the received merchant card issuing application information. The information generating unit 630 (or information generating means) for generating (or extracting) card information corresponding to the affiliated card to be issued to the affiliated card, and the affiliated card including the generated card information with the card issuing device 690. And issuing a card issuing unit 655 (or card issuing means) for issuing and processing.

The information generation unit 630 generates (or extracts) predetermined card information to be provided in the affiliated store card to the customer based on the affiliated card issue request information received through the information receiving unit 615. The card information includes at least one card number (eg, 16-digit card number), an expiration date information (some may be omitted), and card issuer information (or code) corresponding to the affiliated card.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the affiliate card can be used, and may be omitted if the expiration date does not exist in the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When the predetermined card information included in the affiliated card is generated by the information generation unit 630, the card issuing unit 655 produces the affiliated card including the card information through the card issuing device 690 ( Or the card information in the merchant card), wherein the merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 690 records the card information on at least one MS track (eg, track I, track II, track III) included in the merchant card. In this case, the information generating unit 630 generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the card issuing unit 655 issues the card. By recording the card information into at least one or more MS tracks via the device 690, a predetermined merchant card to be issued to the customer is issued.

Or, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 690 comprises a device for recording the card information in the memory provided in the IC chip of the merchant card, wherein the information The generation unit 630 generates (or extracts) the card information in a file structure operable through a COS (Chip Operating System) provided in the IC chip, and the card issuing unit 655 is the card issuing device 690. By recording the card information in the memory of the IC chip through), a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

Referring to FIG. 6, when validity of the affiliated card issuing application information is authenticated through the validity checking unit 620, the affiliated card issuing server 600 includes a predetermined information including the received affiliated card issuing application information. Electronic document generating unit 625 (or electronic document generating means) for generating a merchant card issuing application electronic document, and the electronic document for transmitting the generated merchant card issuance application electronic document to the electronic document storage associated with the merchant card issuing system It is characterized by comprising a document transmission unit 645 (or electronic document transmission means).

The electronic document generation unit 625 generates a merchant card issuing application electronic document including the merchant card issuing application information received from the card issuing terminal 695 through the information receiving unit 615.

According to an exemplary embodiment of the present invention, the electronic document generating unit 625 may include at least one document information including customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 615. And a word processor file including at least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, an HWP / DOC, or the like) including the document content, or an MHT. Web document file, etc.) is preferably processed as a merchant card issuance application electronic document for operating a plurality of merchant card associated with the single payment account.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the affiliated card issuing application information received through the information receiving unit 615, and the document content. After including at least one or more information of the customer information, payment account information included in the merchant card issuing application information in a watermarking (Watermarking) method, a document file containing the document content including the watermarking (for example, PDF ( A portable document format (EDI) file, an EDI (Electronic Data Interchange) file, a word processor file including at least one of HWP / DOC, or a web document file including an MHT) It is desirable to process a merchant card issuance application electronic document for card operation.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the affiliated card issuing application information received through the information receiving unit 615, and the document content. An image file including captured image contents (for example, image contents generated by capturing the document contents on a memory) into a merchant card issuing application electronic document for operating a plurality of merchant cards associated with the single payment account. It is preferable to process.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the affiliated card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one of customer information and payment account information included in the merchant card issuance application information to the captured image contents (for example, image contents generated by capturing the document contents on a memory). After the method is included, it is preferable to process an image file including the image content including the watermarking as a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 includes at least one document including customer information and payment account information included in the merchant card issuing application information received through the information receiving unit 615. A predetermined document file (e.g., a Portable Document Format (PDF) file) that generates content and includes image content (e.g., image content generated by capturing the document content on a memory) that captures the document content; Or an EDI (Electronic Data Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT), to operate a plurality of blind spot cards associated with the single payment account. It is desirable to process the merchant card issuance application for electronic documents.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the affiliated card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one of customer information and payment account information included in the merchant card issuance application information to the captured image contents (for example, image contents generated by capturing the document contents on a memory). To generate an image content including an image content, and include a document file (eg, a PDF (Portable Document Format) file, an EDI (Electronic Data Interchange) file, an HWP / DOC, etc.) including the image content including the watermarking. Generating a word processor file including at least one or a web document file including MHT) Merchant card issued for multiple merchant operating a card associated with the account, it is preferable to apply processing to electronic documents.

According to another exemplary embodiment of the present invention, the electronic document generation unit 625 includes at least one customer information and payment account information included in the merchant card issuance application information received through the information receiving unit 615. A predetermined document file (for example, image content generated by capturing the document content and capturing the document content on the memory) and a predetermined document file including the affiliated card issuing application information (for example, Generating a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT; It is preferable to process the merchant card issuance application electronic document for the operation of multiple merchant card associated with the.

Alternatively, the electronic document generating unit 625 generates document content including at least one of customer information and payment account information included in the affiliated card issuing application information received through the information receiving unit 615, and the document content. Watermarking at least one of customer information and payment account information included in the merchant card issuance application information to the captured image contents (for example, image contents generated by capturing the document contents on a memory). A document file (for example, a PDF (Portable Document Format) file or an EDI (Electronic Data Interchange) file) including the image content including the watermarking and the merchant card issuance application information. , Or a word processor file including at least one of HWP / DOC, etc., or a web document file including MHT ) To preferably processed by the merchant card issuers apply electronic documents for multiple merchant operating a card associated with the account by creating a single payment.

Those skilled in the art to which the present invention pertains, the electronic document generating unit 625 is a technical feature of generating an electronic file of the merchant card issuance request for the image file format and / or a predetermined document file format; Since you will be familiar with the technical features of the file format for the image file and / or document file corresponding to the merchant card issuance application electronic document, a detailed description thereof will be omitted for convenience.

The electronic document transmitting unit 645 transmits and stores the electronic card issuing application electronic document generated by the electronic document generating unit 625 to a predetermined electronic document storage associated with the merchant card issuing system. do.

As shown in FIG. 6, the electronic document repository is connected to a merchant card issuing server 600 on the merchant card issuing system and a predetermined electronic document server 660 and an electronic document D / B ( 680 is provided outside, the electronic document transmission unit 645 is the electronic document server through the communication means for the merchant card issuance application electronic document generated by the electronic document generation unit 625 ( 660).

Herein, when the electronic document server 660 and the electronic document D / B 680 are provided outside the affiliated card issuing system, the electronic document server 660 and the electronic document D / B 680 are It is advisable to manage them in accredited bodies.

According to another embodiment of the present invention, when the electronic document storage is provided on a DBMS provided in the affiliated card issuing system, the electronic document transmitting unit 645 is generated by the electronic document generating unit 625. It is possible to store the merchant card issuing application electronic document in the electronic document D / B 680 corresponding to the electronic document storage on the DBMS provided in the merchant card issuing system, whereby the present invention is not limited.

According to an embodiment of the present invention, the electronic document transmission unit 645 inputs electronic document related information (for example, the affiliated store card issuing application information) for generating predetermined electronic document management information in the electronic document server 660. (Optional) customer information, and / or financial institution information for transmitting the merchant card issuance application electronic document, and / or electronic document file format information, and / or the merchant card issuance application information, etc.) It is possible to transmit to the electronic document storage, whereby the present invention is not limited.

Referring to FIG. 6, the merchant card issuing server 600 includes a plurality of merchant cards in which merchant card issuing application information received through the information receiving unit 615 is associated with the single payment account through the validity checking unit 620. When the validity for the operation is authenticated, the information storage unit 650 (or the data storage unit 650) for processing the customer information and payment account information included in the application card issuance application information, the validity of the authentication is stored in a predetermined storage medium 685 (or Information storage means).

When the validity of the affiliated card issuance application information is confirmed by the validity confirming unit 620, the information storage unit 650 processes the customer information and payment account information included in the affiliated card issuance application information and processes the linked information. When the storage medium 685 is provided in the affiliated card card issuing server 600, or is provided on the network associated with the affiliated card card issuing server 600, The information storage unit 650 preferably processes the customer information and payment account information included in the received merchant card issuance application information and stores the data in the storage medium 685, wherein the storage medium 685 is financed. When provided in the DBMS provided on the system, the information storage unit 650 replaces the customer information and payment account information included in the received merchant card issuing application information on the financial system. Through the system to provide information to step it is preferably stored in a DBMS provided on the financial system.

Referring to FIG. 6, a predetermined merchant card issuance request electronic document is received from the affiliated card issuing server 600 provided on the affiliated card issuing system, and stored and managed in a predetermined electronic document D / B 680. The electronic document server 660 may include an electronic document receiving unit 665 (or an electronic document receiving unit) for receiving a predetermined merchant card issuance request electronic document from the affiliated store card issuing server 600 through a predetermined communication unit, and An information generating unit 670 (or information generating means) for generating predetermined electronic document management information for storing and managing the received merchant card issuing application electronic document in the electronic document D / B 680; And an electronic document storage unit 675 (or electronic document storage means) for linking and managing document management information and the affiliated card issuance application electronic document to a predetermined electronic document D / B 680. It features.

The electronic document receiving unit 665 is characterized by receiving the merchant card issuance application electronic document in the form of an image file and / or document file from the merchant card issuing server 600 through the communication means.

According to one embodiment of the present invention, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is received by the merchant card issuing server 600 from the card issuing terminal 695. A document file (eg, a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP /) containing document content including at least one of customer information and payment account information included in the merchant card issuance application information. And a word processor file including at least one DOC or the like, or a web document file including an MHT.

Alternatively, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is included in the merchant card issuing application information received by the merchant card issuing server 600 from the card issuing terminal 695. The watermarking method includes at least one of customer information and payment account information included in the affiliated card issuing application information in a watermarking method in document content including at least one customer information and payment account information. A document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a word processor file including at least one or more HWP / DOC, etc.) containing document content included therein, or MHT. Web document files).

Alternatively, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is included in the merchant card issuing application information received by the merchant card issuing server 600 from the card issuing terminal 695. And an image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of the stored customer information and payment account information. Do.

Alternatively, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is included in the merchant card issuing application information received by the merchant card issuing server 600 from the card issuing terminal 695. A customer included in the affiliated card issuing application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one customer information and payment account information. After including at least one or more information of the information, payment account information in a watermarking (Watermarking) method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document that the electronic document receiving unit 665 receives through the communication means is received by the merchant card issuing server 600 from the card issuing terminal 695. Image content captured (e.g., image content generated by capturing the document content on a memory) including document information including at least one of customer information and payment account information included in one merchant card issuance application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) It is preferable to comprise.

Alternatively, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is included in the merchant card issuing application information received by the merchant card issuing server 600 from the card issuing terminal 695. A customer included in the affiliated card issuing application information in image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one customer information and payment account information. A document file (eg, a PDF (Portable Document Format) file) generating image content including at least one of information and payment account information in a watermarking manner, and including the image content including the watermarking; , Or a word processor wave including at least one EDI (Electronic Data Interchange) file, or at least one HWP / DOC. It is preferred which comprises a, or the web document file, and so on) containing the MHT.

According to another embodiment of the present invention, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is the merchant card issuing server 600 from the card issuing terminal 695 Image content (eg, image content generated by capturing the document content on a memory) and capturing document content including at least one of customer information and payment account information included in the received merchant card issuance application information. A predetermined document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one HWP / DOC, etc.) containing the merchant card issuance application information, or an MHT; Web document files, etc.) to be included.

Alternatively, the merchant card issuing application electronic document received by the electronic document receiving unit 665 through the communication means is included in the merchant card issuing application information received by the merchant card issuing server 600 from the card issuing terminal 695. A customer included in the affiliated card issuing application information in the image content (eg, the image content generated by capturing the document content on the memory) which captures document content including at least one customer information and payment account information. A document file including image information including at least one of information and payment account information by a watermarking method, the document file including the watermarking image content and the merchant card issuance application information (eg, PDF); (Portable Document Format) files, EDI (Electronic Data Interchange) files, HWP / DOC, or the like. It is preferred which comprises a web page file, and so on) that include the word-processor file, or MHT containing more.

The information generating unit 670 is a predetermined electronic document unique number (or unique information) to be assigned to the merchant card issuance request electronic document received through the electronic document receiving unit 665, and through the electronic document receiving unit 665 And generating electronic document management information including electronic document storage date and time information including a date and time at which the merchant card issuing application electronic document was received (or a date and time at which the merchant card issuing application electronic document was stored). .

According to the exemplary embodiment of the present invention, the information generating unit 670 refers to the affiliated store card issuing server 600 that transmits the affiliated card issuing application electronic document received through the electronic document receiving unit 665 to the affiliated store. It is preferable to identify the financial institution that sent the card issuance request electronic document, and generate the electronic document management information further including the identified financial institution information.

According to another exemplary embodiment of the present invention, when predetermined electronic document related information is further received from the merchant card issuing server 600 through the electronic document receiving unit 665, the information generating unit 670 receives the received information. Electronic document related information (for example, customer information transmitted by inputting (selecting) the merchant card issuance application information and / or financial institution information for transmitting the merchant card issuance application electronic document, and / or electronic document file format information) And / or the merchant card issuing application information, etc.) is preferably generated.

The electronic document storage unit 675 associates the affiliated card issuance application electronic document received through the electronic document receiving unit 665 with the electronic document management information generated through the information generating unit 670 to process a predetermined electronic document. It stores in the D / B (680).

According to one embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document storage unit 675 in the electronic document D / B 680 is the merchant card issuing server 600 is the card issuing terminal A document file (eg, a Portable Document Format (PDF) file or an EDI (Electronic Data Interchange) file containing document content including at least one or more customer information and payment account information included in the merchant card issuance application information received from 695. ), A word processor file including at least one or more HWP / DOC, or a web document file including MHT).

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an affiliate store received by the merchant card issuing server 600 from the card issuing terminal 695. Watermarking methods include at least one of customer information and payment account information included in the merchant card issuance application information in document content including at least one of customer information and payment account information included in the card issuance application information. And a document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC, etc.) containing document content including the watermarking. , Or a web document file including MHT).

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an affiliate store received by the merchant card issuing server 600 from the card issuing terminal 695. An image file including image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. It is preferable to comprise a.

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an affiliate store received by the merchant card issuing server 600 from the card issuing terminal 695. Issuing the merchant card to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. After at least one of customer information and payment account information included in the application information is included in a watermarking method, it is preferable to include an image file including the image content including the watermarking.

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 is the merchant card issuing server 600 issued by the card. Image content (eg, generated by capturing the document content on a memory) by capturing document content including at least one of customer information and payment account information included in the merchant card issuance application information received from the terminal 695. A predetermined document file (e.g., a portable document format (PDF) file, an electronic data interchange (EDI) file, a word processor file including at least one of HWP / DOC, etc.) including an image content, or an MHT. Web document files).

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an affiliate store received by the merchant card issuing server 600 from the card issuing terminal 695. Issuing the merchant card to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. A document file including image information including at least one of customer information and payment account information included in the application information by a watermarking method and including the watermarking image content (eg, PDF ( A word processor wave containing at least one Portable Document Format (EDI) file, an Electronic Data Interchange (EDI) file, or an HWP / DOC. Day, or a web document file including MHT).

According to another exemplary embodiment of the present invention, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 is the merchant card issuing server 600 of the card. Image content (eg, capturing the document content on the memory by capturing document content including at least one of customer information and payment account information included in the merchant card issuance application information received from the issuing terminal 695). At least one document file (for example, a portable document format (PDF) file, an electronic data interchange (EDI) file, an HWP / DOC, etc.) including the generated image content) and the merchant card issuance application information. Word processor files, or web document files containing MHT).

Alternatively, the merchant card issuing application electronic document stored in the electronic document D / B 680 by the electronic document storage unit 675 may be an affiliate store received by the merchant card issuing server 600 from the card issuing terminal 695. Issuing the merchant card to image content (eg, image content generated by capturing the document content on a memory) which captures document content including at least one of customer information and payment account information included in the card issuing application information. Generating image content including at least one or more information of the customer information and payment account information included in the application information by a watermarking method, the image content including the watermarking and the merchant card issuance application information At least one document file (e.g., a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, or a HWP / DOC) Or a web document file including the MHT or the like.

According to an embodiment of the present invention, the electronic document management information stored in the electronic document D / B 680 by the electronic document storage unit 675 in association with the affiliated card issuance request electronic document is stored in the affiliated card. Preferably, the electronic document includes a predetermined electronic document unique number (or unique information) assigned to the issuance application electronic document and the electronic document storage date and time information.

According to an exemplary embodiment of the present invention, the electronic document management information stored in the electronic document D / B 680 by the electronic document storage unit 675 in association with the affiliated card issuance application electronic document is stored in the affiliated card. The merchant card issuing request electronic document is transmitted to the merchant card issuing server 600, the information is preferably made by the financial institution further transmitted the electronic document is confirmed.

According to another exemplary embodiment of the present invention, when a predetermined electronic document related information is further received from the affiliated card card issuing server 600, the electronic document storage unit 675 processes the connection with the affiliated card issuing application electronic document. The electronic document management information stored in the electronic document D / B 680 may include the received electronic document related information (for example, customer information transmitted by inputting (selecting) the merchant card issuance application information) and / or the Financial institution information for transmitting the merchant card issuing application electronic document, and / or electronic document file format information, and / or the merchant card issuing application information, etc.).

Figure 7 illustrates the configuration of merchant card issuing application information stored in the ledger D / B (700) provided in the DBMS on the financial system in a non-face-to-face for the operation of multiple merchant cards associated with a single payment account according to an embodiment of the present invention Figure is shown.

In more detail, in FIG. 7, when the storage medium 685 illustrated in FIG. 6 is the ledger D / B 700 provided in the DBMS on the financial system, the ledger information provided in the ledger D / B 700 is provided. FIG. 7 illustrates an information structure for an implementation method in which merchant card issuance application information including the customer information and payment account information is stored. If a person having ordinary knowledge in the technical field to which the present invention pertains refers to FIG. And / or modified to infer various information construction methods for storing the affiliated card issuance application information in the ledger D / B 700, but the present invention includes all the inferred implementation methods, and FIG. It is not limited only to the implementation method shown in FIG.

Referring to FIG. 7 according to an embodiment of the present invention, the ledger information provided in the ledger D / B 700 provided in a DBMS on a financial system includes a predetermined customer ledger and an account ledger associated with the customer ledger (eg, , The reception ledger, the loan ledger, etc.) and at least one information associated with the account ledger, the person having ordinary knowledge in the technical field to which the present invention belongs, is provided in the DBMS on the financial system. The ledger D / B 700 includes at least one ledger (eg, a loan ledger, a mortgage ledger, ..., etc.) and / or for maintaining and managing the ledgers in addition to the customer ledger and account ledger shown in FIG. It will be clearly understood that at least one additional information is included, and the specific technical matters therefor will be understood. Omit.

The customer ledger is CIF (Customer Information File) number, country code, contact person ID, sales office number, customer classification, customer name, customer address, regional classification code, telephone number, business number, business name, classification code, expiration date, status head office Information, Settlement Date, Cash Date, Last Name, Person, Social Security Number, Company Address, Company Phone Number, Mailing Address, Account Number, President, Business Type, Legal Representative, Initial Transaction Date, TRW, DB, Usage, Parent Company Number. Country name, transmission, sex resident, occupation, mailing address, company name, guardian name, guardian telephone number, legal representative business number, construction process classification, tax classification, area code, group code and postal code, etc. The customer ledger includes ledger information for a customer including at least one of an individual customer, a corporate customer, a minor, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the customer ledger, and thus the detailed description thereof will be omitted for convenience.

In addition, the account ledger is linked to the customer ledger relationally, account number, CIF number, point number, currency, opening date, status, product type, interest rate, password, balance, RBI balance 1, RBI balance 2, bank balance , Bank account number, interest interest, time extension, time extension amount, ARS setting, last deposit date, last withdrawal date, final deposit amount, final withdrawal amount, unpaid account transactions, interest rate account, flat currency connection, final payment interest, final payment transaction It includes at least one of a number, an individual interest rate reference, and a final interest calculation date, and includes at least one account number, abstention (month), period (days), period extension, maturity date, and target amount corresponding to the account ledger. Periodic reception information, and / or trust reception information including at least one or more of an account number, a deposit amount, a par value, a pension date, and the number of shares corresponding to the account ledger, and / or the account ledger. Transactions that include at least one account number, transaction number, date, point number, product type, transaction type, cash amount, RBI, batch number, batch transaction, date of payment, bank account line, summary, CIF, etc. It includes the history information.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the account ledger and the additional information configuration, and thus the detailed description thereof will be omitted for convenience.

In addition, the virtual account ledger is linked to the account ledger in a relational form, and comprises at least one of a virtual account number, a virtual account attribute, a virtual account opening date, a mother account number, and the like.

Those skilled in the art to which the present invention pertains will clearly understand the contents and features of the information contained in the virtual account ledger and the additional information configuration, and a detailed description thereof will be omitted for convenience.

Referring to FIG. 7, the merchant card issuing application information provided through the merchant card issuing system shown in FIG. 6 is stored in the form of additional information added to the virtual account book, and the merchant card issuing application information is Characterized in that it comprises at least one or more customer information, payment account information.

The customer information may include personal information of the customer (eg, customer's name, social security number, address, telephone number, mobile phone number, e-mail address, etc.), and member information of the customer (eg, the customer is one of affiliated stores of the financial institution). By registering as a merchant card using customer through the above member ID information provided in the customer ledger provided on the financial system associated with the merchant card issuing system corresponding to the customer, or the database provided in the merchant (not shown) At least one member ID, or CIF (Customer Information File) number, etc.) provided on the) is preferably included.

The payment account information is a deposit (or deposit) in any one of the financial account in response to the request for the transaction approval through the merchant card requested to issue one or more of the financial accounts owned by the customer requesting the merchant card issuance (or A portion (or all) of the value) is preferably at least one or more of the account number, account alias, account holder name, etc. for the target financial account to be used for the transaction approval, the payment account is the cash held by the customer It is preferred that this is an account in which it is deposited and / or a financial account in which the value provided to the customer (eg, the value corresponding to one or more of points, miles, discount coupons, gift certificates) is deposited.

The card information includes at least a card number (eg, 16-digit card number) corresponding to the affiliated card, expiration date information (may be omitted in some cases), and card issuer information (or code) for processing the issuance of the affiliated card. It is preferable to include one or more.

According to another exemplary embodiment of the present invention, the merchant card issuance application information is stored in the form of information included in the account ledger (not shown), and / or to another ledger other than the account ledger (eg, the customer ledger). It is possible to be stored in the form of additional information to be added and / or in the form of information contained in other ledgers (for example, customer ledger) other than the account ledger, thereby the present invention is not limited.

8A and 8B illustrate a process of registering merchant card issuing application information in a non-face-to-face manner for operating a plurality of merchant cards associated with a single payment account according to an embodiment of the present invention.

In more detail, FIGS. 8A and 8B show that the card issuing terminal 695 on the affiliated card issuing system shown in FIG. 6 is a client terminal, and the affiliated card issuing server 600 is connected to a client terminal through a predetermined network means. In the case of having a web server function accessible, a merchant card issuance application including at least one of customer information and payment account information through the client terminal to operate a plurality of merchant cards associated with the single payment account. If the information is provided, the merchant card issuing system generates a predetermined merchant card issuing application electronic document including the provided merchant card issuing application information and stores it in a predetermined electronic document storage, and is included in the merchant card issuing application information. A predetermined storage medium 685 is processed by linking the customer information and the payment account information. In the embodiment of the present invention, a person having ordinary knowledge in the art to which the present invention pertains may refer to and / or modify the drawings 8a and 8b to the affiliated card issuing server 600 from the client terminal. Various implementation methods for registering the merchant card issuance application information may be inferred, but the present invention includes all the implementation methods inferred and is not limited to the implementation methods shown in FIGS. 8A and 8B.

For example, in the implementation method illustrated in FIGS. 8A and 8B, a predetermined web page provided by the affiliated store card issuing server 600 provides a user interface for the client terminal to input (or select) the affiliated card issue request information. Although described as being provided through, but the client terminal is provided with a predetermined merchant card issuance application program, the user interface may not be provided from the merchant card issuing server 600, whereby the present invention is limited Not.

Hereinafter, in FIG. 8A and FIG. 8B, the client terminal shown in FIG. 6 is referred to as a “terminal” for convenience, and the affiliated card card issuing server 600 shown in FIG. 6 is referred to as a “server” for convenience. The customer information and payment account information transmitted to the merchant card issuing server 600 is referred to as "merchant card issue application information" for convenience.

8A and 8B, when the client terminal illustrated in FIG. 6 is a predetermined network means (for example, when the client terminal is a wired terminal, a TCP / IP based wired communication network, and the client terminal is a wireless terminal, Accessing the server through a CDMA-based (and / or HSDPA-based) mobile communication network, and / or an IEEE 802.16x-based portable Internet, and / or an IEEE 802.11x-based wireless LAN, etc. to connect a predetermined communication channel, When a web page including a user interface for operating a plurality of merchant cards associated with a payment account is requested (800), the server correspondingly requests the merchant card issuance information including at least one of the customer information and payment account information. Generate (or extract) a web page including a user interface for input (or selection) and sending it to the server (805), and the network The web page including the generated (or extracted) user interface is transmitted to the terminal and output through the means (810).

According to an embodiment of the present invention, the process of transmitting and / or outputting the web page from the server to the terminal is preferably performed at least once according to the merchant card issuance application information processing procedure, thereby limiting the present invention. Not.

Thereafter, the terminal inputs (or selects) merchant card issuance application information including at least one or more customer information and payment account information through a user interface included in the web page (815).

If the terminal receives (or selects) merchant card issuance application information including the customer information and payment account information through the user interface (820), the terminal inputs (or selects) the communication channel. Customer information and payment account information is transmitted to the server (825).

According to an embodiment of the present invention, the terminal includes a predetermined password for verifying the validity of the merchant card issuing application information in the server to the merchant card issuing application information including at least one of the customer information and the payment account information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based information) on the merchant card issuance request information including at least one of the customer information and payment account information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the merchant card issuing application information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If an accredited certificate is provided on a given IC chip (or IC card), apply it to the IC chip (or IC card). It is preferable that a card reader is provided for checking a non-certified certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based information) on the merchant card issuance request information including at least one of the customer information and payment account information. An encryption method, and / or an electronic envelope-based encryption method, and / or a key exchange-based encryption method, and the like, and transmits the encrypted data to the server through the network means. If the certificate has at least one encryption key and / or has a predetermined certificate containing at least one encryption key, and / or is provided with a predetermined IC chip (or IC card), It is preferable that a card reader is provided for confirming the public certificate provided in the IC chip (or IC card).

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the merchant card issuing application information, and technical features of attaching a predetermined electronic signature to the merchant card issuing application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the customer information and payment account information through the communication channel to check the validity of the affiliated card issuance application information (830).

According to an embodiment of the present invention, the merchant card issuance application information is at least one encryption method (eg, symmetric key based encryption method and / or public key based encryption method, and / or electronic envelope based encryption method, and / or When encrypted with a key exchange-based encryption scheme, the server may include the at least one decryption scheme (eg, a symmetric key based decryption scheme and / or a public key based scheme) corresponding to the encryption scheme. Decryption method, and / or electronic envelope-based decryption method, and / or key exchange-based decryption method, etc.), it is preferable to authenticate the validity of the received merchant card issuance application information.

Alternatively, when a predetermined electronic signature is attached to the affiliated card issuing application information, the server checks the electronic signature attached to the affiliated card issuing application information, thereby authenticating the validity of the received merchant card issuing application information. It is preferable.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption schemes for decrypting the encrypted merchant card issuing application information, and the technical to confirm the electronic signature attached to the merchant card issuing application information Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the merchant card issuance request information received through the information receiving unit 615 further includes a predetermined password for checking the validity of the merchant card issuance request information, the server may be configured as described above. It is preferable to verify the validity of the received merchant card issuing application information by comparing and authenticating the password received included in the merchant card issuing application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the affiliated card issuing application information received through the information receiving unit 615 includes predetermined security card information for confirming the validity of the affiliated card issuing application information, the server stores the affiliated card. It is preferable to authenticate the validity of the received merchant card issuing application information by comparing and authenticating the received security card information included in the issuing application information with the security card information provided corresponding to the customer on the DBMS.

Or, if the merchant card issuing application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the merchant card issuing application information, the server is the merchant card issuing application The validity of the received merchant card issuing application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validation of the merchant card issuance application information is at least one matching the merchant card issuance application information to the ledger D / B (700) on the financial system associated with the merchant card issuance system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 620 is the information contained in the merchant card issuance application information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 700 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 700 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the merchant card issuing application information is not authenticated (835), the server generates a web page including the error information for a predetermined merchant card issuing application and transmits it to the terminal (840), the merchant Do not perform merchant card issuing procedures corresponding to the card issuing application information.

On the other hand, if the validity of the merchant card issuing application information is authenticated (835), the server checks the account ledger corresponding to the payment account included in the merchant card issuing application information (841), and the said account ledger Part (or all) of the payment account balance checks whether one or more card ledgers operating merchant card processing transaction approval are connected (842).

According to the method of the present invention, checking whether one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuance application information is connected to the merchant card. By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers associated with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the merchant card issuance application information. It is desirable to check whether one or more card ledgers operating the merchant card processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates card ledger information for operating the affiliated store card requesting the issuance (844). In operation 845, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the verification result (843), the server generates card ledger information for operating the merchant card requested by the customer (issuance); 846), after generating a card ledger corresponding to the merchant card to be issued to the customer (847), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (848). In operation 849, the generated card ledger information is included in the connected Nth card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer having a first merchant card that uses a portion (or all) of the payment account balance for transaction approval requests for issuing a second merchant card that uses a portion (or all) of the payment account balance for transaction approval, After generating the card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generating the card ledger corresponding to the second merchant card, and adding it to the second card ledger of the account ledger. It is preferable to process the connection to include the generated card ledger information on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Thereafter, the server generates predetermined document content including at least one or more customer information and payment account information including the affiliated card issuing application information (850), and the predetermined merchant card issuing application including the document content. Generate a document (852).

According to an embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received merchant card issuance application information, and a document file containing the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is desirable to process the affiliate card issuance application electronic document for the operation of the linked multiple merchant card.

Or, the server generates document content including at least one or more customer information, payment account information included in the received merchant card issuing application information, the customer information contained in the merchant card issuing application information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an electronic document for issuing a merchant card issuing application for operating multiple merchant cards associated with the single payment account. It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing contents on a memory) as an electronic card for issuing a merchant card for application for operating a plurality of merchant cards associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more information of customer information and payment account information included in the merchant card issuing application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process as a merchant card issuance application electronic document for operating a plurality of merchant card associated with the single payment account. .

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the merchant card issuing application information by a watermarking method, A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. To operate a plurality of merchant cards associated with the single payment account Merchant card issuers for which it is desirable to apply processing electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuing application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the affiliated card issuance application information. Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), the application for issuing a merchant card for operating a plurality of merchant cards associated with the single payment account It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document content). Image content generated by capturing document content on a memory) to at least one of customer information and payment account information included in the merchant card issuing application information in a watermarking manner; At least one document file (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, HWP / DOC, etc.) including the image content including watermarking and the merchant card issuance application information. Generating a word processor file, or a web document file containing MHT) The merchant card issued for multiple merchant card processing operations associated with it is preferable to apply to electronic documents.

If the person skilled in the art to which the present invention belongs, the technical feature that the server generates the merchant card issuance application electronic document in the image file format and / or a predetermined document file format, and the merchant card issuance application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated merchant card issuance application electronic document in a predetermined electronic document storage (855).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 660 and an electronic document D / B 680 associated with a server on the affiliated card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated merchant card issuance request electronic document to the electronic document server 660 through the communication means and stores in the electronic document D / B (680).

Alternatively, when the electronic document storage is provided on the DBMS provided in the merchant card issuing system, the server stores the generated merchant card issuing application electronic document in the electronic document storage on the DBMS provided in the merchant card issuing system. It is possible to store in the corresponding electronic document D / B 680, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the affiliate card issuance application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated merchant card issuance application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (680).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the merchant card issuance application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the merchant card issuance application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the merchant card issuance request information and / or financial institution information transmitting the merchant card issuance request electronic document). , And / or electronic document file format information, and / or the merchant card issuance application information).

If the merchant card issuance request electronic document is stored in the electronic document storage (860), the server issuing and processing a merchant card based on the customer information, payment account information included in the merchant card issuance application information (865) The merchant card issuance information for the merchant card issuing processing result is stored in the storage medium 685 (870).

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information may include a period (or an expiration date) in which the affiliate card may be used, and may be omitted when there is no expiration date on the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When predetermined card information provided in the affiliated store card is generated by the server, the server generates a merchant card including the card information through a card issuing device 690 (or includes the card information in the affiliated card). The merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 690 records the card information on at least one MS track (eg, track I, track II, track III) included in the merchant card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 690. By writing to one or more MS tracks, a predetermined merchant card to be issued to the customer is issued.

Or, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 690 comprises a device for recording the card information in the memory provided in the IC chip of the merchant card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information to the IC chip through the card issuing device 690. By recording in the memory of the card, a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

9A, 9B, and 9C illustrate a process of registering merchant card issuing application information through a non-face-to-face financial transaction channel for operating multiple merchant cards associated with a single payment account according to an embodiment of the present invention. .

9a, 9b, and 9c, the merchant card issuing system shown in FIG. 6 is realized through an internet banking system in a non-face-to-face financial transaction channel (that is, issuing the merchant card shown in FIG. 6). In the case where the merchant card issuing server 600 on the system is an Internet banking server, the client terminal accesses the Internet banking server through a TCP / IP based network (for example, the Internet) and performs a predetermined customer authentication procedure. After performing, when the client terminal transmits predetermined merchant card issuance application information for operating a plurality of merchant card associated with a single payment account to the internet banking server, the received merchant card issuance application information is received from the internet banking server. Generate a predetermined merchant card issuance application electronic document that includes and store in a predetermined electronic document storage, An embodiment of the present invention relates to an implementation method of linking and processing the customer information and payment account information included in the merchant card issuing application information in a predetermined storage medium 685, and a person having ordinary knowledge in the technical field to which the present invention belongs. 9a and 9b and 9c, the present invention may infer various implementation methods for registering the merchant card issuance application information through other types of non-face-to-face financial transaction channels. It includes all inferred implementation methods, and is not limited to the implementation methods shown in FIGS. 9A, 9B, and 9C.

That is, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, and / or Netscape's Netscape Navigator, etc.) included in the client terminal in FIGS. 9A, 9B, and 9C, Although an implementation method of connecting an internet banking-based financial transaction channel for processing merchant card issuance application information between the client terminal and the internet banking server based on the browser program is illustrated, a person having ordinary knowledge in the technical field to which the present invention belongs. The client terminal based on a predetermined internet banking program mounted on the client terminal by referring to and / or modifying an internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 9a, 9b, and 9c. And internet banking Although it may be possible to infer an implementation method of connecting an internet banking-based financial transaction channel for processing merchant card issuance application information between the burrs, the present invention includes an internet banking-based financial transaction provided based on the internet banking program. The present invention is not limited thereby.

In addition, those skilled in the art to which the present invention pertains, in addition to the Internet banking system by referring to and / or modify the Internet banking-based financial transaction channel connection method shown in Figures 9a, 9b and 9c, Another banking system such as a telebanking system and / or a wireless banking system and / or a TV banking system may infer an implementation method for connecting a non-face-to-face channel-based financial transaction channel for processing merchant card issuance application information, but the present invention Includes all kinds of non-face-to-face channel based financial transactions including the telebanking system and / or the wireless banking system and / or the TV banking system and / or the non-face-to-face channel banking system proposed in the future. It is by no means limited to the case of the Internet banking shown in FIGS. 9A, 9B, and 9C.

In the following Figures 9a, 9b and 9c the client terminal is referred to as a "terminal" for convenience, and the Internet banking server corresponding to the merchant card issuing server 600 is referred to as a "server" for convenience.

9A, 9B, and 9C, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (900a), the server connects the terminal and the server through the browser. The communication channel is connected to each other (905a), wherein the communication channel is generated (or extracted) by a request of a browser program provided in the terminal from the server and transmitted to the terminal. This means that a predetermined communication session is allocated to receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page in the provided browser program.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal in a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, and / or the By providing a predetermined script for checking whether to update the security module to the terminal, whether the terminal is equipped with a predetermined security module for Internet banking, and / or update the security module Check (910a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information and / or the last update date information from the internet banking program, thereby providing the Internet banking program (and / or Or a security module associated with an internet banking program).

If a predetermined security module is to be mounted and / or updated in the terminal (915a), the server transmits the latest version of the Internet banking security module to the terminal according to a remote program installation procedure defined in the browser program. And mount and / or update 920a.

If it is not necessary to mount and / or update the latest version of the security module for internet banking on the terminal (925a) or to mount and / or update the security module for internet banking on the terminal (915a), the server may By activating the security module for Internet banking mounted on the terminal, to connect the security channel for Internet banking (or switch the communication channel between the terminal and the server to a secure channel) between the terminal and the server (930a), where the security for Internet banking A channel is attached to a predetermined digital signature and / or at least one encryption method (or data) of information (or data) required for security among information (or data) included in a web page to be provided from the server to the terminal. And / or provide encryption by using an encryption algorithm), the terminal may verify the electronic signature and / or the encryption method (and / or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to the rhythm), and the terminal may provide the server to the server for processing the merchant card issuance application information. By attaching a predetermined digital signature to information (or data) and / or encrypting and transmitting at least one or more encryption methods (and / or encryption algorithms), the server verifies the electronic signature and / or the encryption method ( And / or a communication channel for decrypting the information (or data) with a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or When the electronic signature is attached to the data) and / or encrypted and provided by at least one or more encryption methods (and / or encryption algorithms), the terminal confirms the electronic signature and / or the encryption method (and / or A communication channel for decrypting the information (or data) by a predetermined decryption method (and / or decryption algorithm) corresponding to an encryption algorithm), and also provided by the terminal to the server for processing merchant card issuance application information. Attach a predetermined digital signature to information (or data) to be performed and / or at least When encrypted and transmitted with the above encryption method (and / or encryption algorithm), the server verifies the digital signature and / or a predetermined decryption method (and / or corresponding to the encryption method (and / or encryption algorithm)). Decoding algorithm) means a communication channel for decoding the information (or data).

According to the present invention, the security module is to perform an electronic signature attachment, and / or encryption, and / or protection function for the information (or data) by using the customer's authorized certificate mounted on the terminal It features.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking customer authentication procedure through the browser program (935a).

According to an exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (eg, ID / PW, customer number, etc., registered by the customer during the internet banking application process) through the terminal. ) Is input (or generated) and transmitted to the server, wherein the server comprises authenticating a customer connected through the terminal as an internet banking customer based on the customer authentication data, wherein the customer authentication data It is preferable that the digital signature and / or encrypted is transmitted through the secure channel.

According to another exemplary embodiment of the present invention, the Internet banking customer authentication procedure may include predetermined Internet banking-based customer authentication data (for example, an ID / PW or customer number registered by the customer during the internet banking application process) through the terminal. And the like) are input (or generated) and transmitted to the authentication server, the authentication server authenticates the customer connected through the terminal as the Internet banking customer based on the customer authentication data, and provides the result to the server. In this case, it is preferable that the customer authentication data include public certificate-based authentication data, and the authentication server is a server for authenticating the public certificate-based authentication data.

Thereafter, the terminal inputs (or generates) predetermined customer authentication data according to the request, transmits the electronic signature and / or encryption to the server (and / or authentication server) through the security module, and performs internet banking customer authentication. Request (940a), the server (and / or authentication server) authenticates the customer connected through the terminal as the Internet banking customer for non-face-to-face financial transactions based on the customer authentication data received from the terminal. (945a).

If the Internet banking customer authentication fails (950a), the server blocks the Internet banking security channel for the terminal (955a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the Internet banking customer authentication is successful (950a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel to the Internet banking-based financial transaction channel (960a), where the Internet banking based The financial transaction channel refers to a communication channel capable of transmitting and registering predetermined merchant card issuance application information for operating a plurality of merchant card associated with a single payment account from the terminal to the server.

Subsequently, when the terminal requests a web page including a user interface for operating a plurality of merchant card associated with the single payment account to the server through an internet banking-based financial transaction channel (900b), the server correspondingly Generate (or extract) a web page including a user interface for inputting (or selecting) merchant card issuance application information including at least one of customer information and payment account information to the server (905b), and the Internet; In operation 910b, a web page including the generated (or extracted) user interface is transmitted to the terminal through a banking-based financial transaction channel.

According to an embodiment of the present invention, the web page preferably comprises a user interface for inputting (or selecting) merchant card issuance application information including at least one of customer information and payment account information in the terminal, and And / or predetermined password and / or security card information (e.g., security printed on a security card issued to the customer during the internet banking application process to verify the validity of the Internet banking customer requesting to register the merchant card issuance application information. Card information) and / or One Time Password (OTP) (e.g. one-time password generated by an OTP authenticator (or OTP authentication program) provided to a customer by a financial institution during the internet banking application process (or after an internet banking application)). It is preferable to further include a user interface for input.

In addition, the transmission and / or output process of the web page to the terminal is preferably performed at least one or more times in accordance with the merchant card issuance application information processing procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) merchant card issuing application information including at least one of the customer information and payment account information through the card issuing interface (915b).

If the terminal inputs (or selects) the merchant card issuance application information including the customer information and payment account information through the user interface (920b), the terminal inputs (or selects) through the financial transaction channel. The merchant card issuance application information is transmitted to the server (925b).

According to an embodiment of the present invention, the terminal includes a predetermined password for verifying the validity of the merchant card issuing application information in the server to the merchant card issuing application information including at least one of the customer information and payment account information. And / or at least one or more security card information and / or an OTP code generated through a predetermined one time password (OTP) generator to transmit to the server via the network means.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key based encryption method and / or a public key based information) on the merchant card issuance request information including at least one of the customer information and payment account information. An encryption scheme, and / or an electronic envelope-based encryption scheme, and / or a key exchange-based encryption scheme, etc.), and / or attach a predetermined electronic signature to the merchant card issuing application information to the server through the network means. Preferably, the terminal has at least one encryption key corresponding to the encryption scheme, and / or has a predetermined public certificate including at least one encryption key, and / or If an accredited certificate is provided on a given IC chip (or IC card), apply it to the IC chip (or IC card). It is preferable that a card reader is provided for checking a non-certified certificate.

According to an embodiment of the present invention, the terminal may include at least one encryption method (eg, a symmetric key-based encryption method and / or a public key) for the merchant card issuance application information including at least one of the customer information and payment account information. Based encryption method, and / or an electronic envelope based encryption method, and / or a key exchange based encryption method, etc.) and transmit the same to the server through the network means. In the case of having at least one encryption key, and / or a predetermined public certificate containing at least one encryption key, and / or the public certificate is provided on a predetermined IC chip (or IC card), It is preferable that a card reader for confirming an authorized certificate provided in the IC chip (or IC card) is provided.

Those skilled in the art to which the present invention pertains include technical features of various encryption methods for encrypting the merchant card issuing application information, and technical features of attaching a predetermined electronic signature to the merchant card issuing application information. Since it will be familiar with, detailed description thereof will be omitted for convenience.

Thereafter, the server receives and reads the affiliated card issuing application information through the financial transaction channel and checks the validity of the affiliated card issuing application information (930b).

According to an embodiment of the present invention, the merchant card issuance application information is at least one encryption method (eg, symmetric key based encryption method, and / or public key based encryption method, and / or electronic envelope based encryption method, and / Or, if encrypted with a key exchange-based encryption scheme, the server, at least one decryption scheme (eg, symmetric key-based decryption scheme, and / or public key) corresponding to the encryption scheme to the encrypted merchant card issuance application information Based decryption scheme, and / or electronic envelope based decryption scheme, and / or key exchange based decryption scheme, etc.), it is desirable to authenticate the validity of the received merchant card issuance application information.

Alternatively, when a predetermined electronic signature is attached to the affiliated card issuing application information, the server checks the electronic signature attached to the affiliated card issuing application information, thereby authenticating the validity of the received merchant card issuing application information. It is preferable.

Those skilled in the art to which the present invention belongs, the technical features of the various decryption schemes for decrypting the encrypted merchant card issuing application information, and the technical to confirm the electronic signature attached to the merchant card issuing application information Since you will be familiar with the features, a detailed description thereof will be omitted.

According to an embodiment of the present invention, if the merchant card issuance request information received through the information receiving unit 615 further includes a predetermined password for checking the validity of the merchant card issuance request information, the server may be configured as described above. It is preferable to verify the validity of the received merchant card issuing application information by comparing and authenticating the password received included in the merchant card issuing application information and the password provided corresponding to the customer on the DBMS.

Alternatively, when the affiliated card issuing application information received through the information receiving unit 615 includes predetermined security card information for checking the validity of the affiliated card issuing application information, the server issues the affiliated store card. It is preferable to authenticate the validity of the received merchant card issuing application information by comparing and authenticating the received security card information included in the application information with the security card information provided corresponding to the customer on the DBMS.

Or, if the merchant card issuing application information received through the information receiving unit 615 further includes a predetermined OTP code for checking the validity of the merchant card issuing application information, the server is the merchant card issuing application The validity of the received merchant card issuing application information is verified by comparing and authenticating the received OTP code included in the information and the OTP code generated based on predetermined OTP generation information provided corresponding to the customer on the DBMS. It is desirable to.

According to the implementation method of the present invention, the validation of the merchant card issuance application information is at least one matching the merchant card issuance application information to the ledger D / B (700) on the financial system associated with the merchant card issuance system It is preferable to include checking whether the ledger information is registered.

For example, the validity verification unit 620 is the information contained in the merchant card issuance application information, the customer information (customer information, personal information, etc.) is ledger on the financial system associated with the merchant card issuance system D / It is preferably made to include matching with the customer ledger stored in B (700).

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 700 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is preferable to include checking whether the match with the ledger associated with the customer ledger.

Alternatively, the validity check of the merchant card issuing application information may include the payment account information stored in the ledger D / B 700 on the financial system associated with the merchant card issuing system, among the information included in the merchant card issuing application information. It is desirable to include checking that the account ledger matches.

Here, if it is confirmed whether or not matching with the account ledger, it is preferable to include whether or not the financial account owned by the customer through the customer ledger connected to the account ledger.

If the validity of the merchant card issuing application information is not authenticated (935b), the server generates a web page including a predetermined information processing error information and transmits it to the terminal (940b), the merchant card issuing application information Do not perform merchant card issuance procedures corresponding to

On the other hand, if the validity of the merchant card issuing application information is authenticated (935b), the server checks the account ledger corresponding to the payment account included in the merchant card issuing application information (941b), and the confirmed account ledger A part (or full amount) of the payment account balance checks whether one or more card ledgers operating merchant card processing transaction approval are connected (942b).

According to the method of the present invention, checking whether one or more card ledgers operating the merchant card for processing the transaction approval through the balance of the payment account included in the merchant card issuance application information is connected to the merchant card. By first checking the account ledger corresponding to the payment account included in the issuance application information, and confirming one or more ledgers associated with the confirmed account ledger, transaction approval is made through the balance of the payment account included in the merchant card issuance application information. It is desirable to check whether one or more card ledgers operating the merchant card processing are connected.

If the card ledger is not connected to the account ledger corresponding to the payment account in response to the verification result (943b), the server generates card ledger information for operating the affiliated store card requesting the issuance (944b). In operation 945b, the generated card ledger information is included in the first card ledger.

On the other hand, when the card ledger is connected to the account ledger corresponding to the payment account in response to the check result (943b), the server generates card ledger information for operating the merchant card requested by the customer (issuance); 946b), after generating a card ledger corresponding to the merchant card to be issued to the customer (947b), the generated card ledger is added to the N card ledger of the account ledger corresponding to the payment account (948b). In operation 949b, the generated card ledger information is included in the connected N-th card ledger.

Here, the connection of the generated card ledger to a new card ledger other than the card ledger connected with the account ledger may include establishing a virtual account having a payment account corresponding to the account ledger as a parent account and opening the virtual account. It is preferable to link with the newly created card ledger.

According to an embodiment of the present invention, when N (N = 1, 2, ..., n) card ledgers are connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the customer After generating a card ledger corresponding to the merchant card requesting the issuance, the generated card ledger is added to the account ledger corresponding to the payment account as the M (M = N + 1) card ledger, and the generation is performed. The card ledger is preferably processed so that the card ledger information for operating the merchant card requested by the customer is generated and stored in the card ledger.

Further, when the card ledger is not connected to the account ledger corresponding to the payment account included in the received merchant card issuing request information, the card ledger information for operating the merchant card requested by the customer is generated, and After generating a card ledger corresponding to the merchant card, the generated ledger is added to the account ledger corresponding to the payment account as the first card ledger, and the merchant requested the issuance by the customer to the generated card ledger. It is preferable to process so that card ledger information for operating a card is generated and stored.

In this case, when there is no first card ledger corresponding to the first merchant card, the first card ledger for storing card ledger information for operating the merchant card requested by the customer is generated, and the generated It is preferable to store the generated card ledger information on the first card ledger.

That is, when a customer who has a first merchant card that uses a portion (or the total amount) of the payment account balance for transaction approval requests the issuance of a second merchant card that uses the portion (or the whole amount) of the payment account balance for transaction approval, Generate card ledger information for operating the second merchant card in the account ledger corresponding to the payment account, generate a card ledger corresponding to the second merchant card, and add it to the second card ledger of the account ledger. It is preferable to process such that the generated card ledger information is included on the second card ledger.

Here, when the customer requests to set payment account usage rights for one or more affiliate card associated with the payment account, the payment account usage information for each merchant card is generated, and the generated payment account usage information is It is preferable to be stored in the card ledger corresponding to the merchant card.

Thereafter, the server generates predetermined document content including at least one or more customer information and payment account information including the affiliate card issuing application information (950c), and the predetermined merchant card issuing application including the document content. Generate a document (953c).

According to an embodiment of the present invention, the server generates document content including at least one or more customer information and payment account information included in the received merchant card issuance application information, and a document file containing the document content ( For example, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, or a web document file including an MHT) may be included. It is desirable to process the affiliate card issuance application electronic document for the operation of the linked multiple merchant card.

Or, the server generates document content including at least one or more customer information, payment account information included in the received merchant card issuing application information, the customer information contained in the merchant card issuing application information in the document content, After including at least one or more information of the payment account information (Watermarking) method, a document file containing a document content including the watermarking (for example, a PDF (Portable Document Format) file, or EDI (Electronic Data Interchange) File, or a word processor file including at least one of HWP / DOC, or a web document file including MHT), etc.) as an electronic document for issuing a merchant card issuing application for operating multiple merchant cards associated with the single payment account. It is preferable.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). It is preferable to process an image file including content generated by capturing contents on a memory) as an electronic card for issuing a merchant card for application for operating a plurality of merchant cards associated with the single payment account.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) including at least one or more information of customer information and payment account information included in the merchant card issuing application information by a watermarking method, and then including the watermarking image. It is preferable to process the image file including the contents as a merchant card issuance application electronic document for operating a plurality of merchant cards associated with the single payment account.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the document content. A predetermined document file (e.g., a Portable Document Format (PDF) file, an EDI (Electronic Data Interchange) file, or HWP / DOC) containing an image content (e.g., image content generated by capturing the document content on a memory). By generating a word processor file including at least one or more, or a web document file including the MHT, etc.), it is preferable to process as a merchant card issuance application electronic document for operating a plurality of merchant card associated with the single payment account. .

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the merchant card issuing application information by a watermarking method, A document file including image content including marking (eg, a Portable Document Format (PDF) file, an Electronic Data Interchange (EDI) file, a word processor file including at least one or more HWP / DOC, etc.), or an MHT. To generate a web document file) to operate a plurality of merchant card associated with the single payment account. It is desirable to process the merchant card issuance application electronic documents.

According to another exemplary embodiment of the present invention, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuing application information, and captures the document content. ) A predetermined document file (eg, a Portable Document Format (PDF) file or EDI (Electronic Data) including image content (eg, image content generated by capturing the document content on a memory) and the affiliated card issuance application information. Interchange) file, a word processor file including at least one or more HWP / DOC, or a web document file including the MHT), the application for issuing a merchant card for operating a plurality of merchant cards associated with the single payment account It is preferable to process it as an electronic document.

Alternatively, the server generates document content including at least one of customer information and payment account information included in the received merchant card issuance application information, and captures the image content (eg, the document). Image content generated by capturing content on a memory) to generate image content including at least one of customer information and payment account information included in the merchant card issuing application information by a watermarking method, Word containing at least one or more document files (e.g., Portable Document Format (PDF) file, EDI (Electronic Data Interchange) file, HWP / DOC, etc.) including the image content including the marking and the merchant card issuance application information Processor file, or a web document file including MHT) to generate the single payment account. It is preferable to process the merchant card issuance application electronic document for the operation of multiple merchant card associated with the.

If the person skilled in the art to which the present invention belongs, the technical feature that the server generates the merchant card issuance application electronic document in the image file format and / or a predetermined document file format, and the merchant card issuance application electronic document Since it will be familiar with the technical features of the file format for the image file and / or document file corresponding to the detailed description thereof will be omitted for convenience.

Thereafter, the server stores the generated merchant card issuance application electronic document in a predetermined electronic document storage (955c).

As shown in FIG. 6, the electronic document repository includes a predetermined electronic document server 660 and an electronic document D / B 680 associated with a server on the affiliated card issuing system through predetermined communication means. When provided in the, it is preferable that the server transmits the generated merchant card issuance request electronic document to the electronic document server 660 through the communication means and stores in the electronic document D / B (680).

Alternatively, when the electronic document storage is provided on the DBMS provided in the merchant card issuing system, the server stores the generated merchant card issuing application electronic document in the electronic document storage on the DBMS provided in the merchant card issuing system. It is possible to store in the corresponding electronic document D / B 680, whereby the present invention is not limited.

According to an embodiment of the present invention, the storing of the affiliate card issuance application electronic document in the electronic document storage is illustrated in FIG. 6 by linking the generated merchant card issuance application electronic document with predetermined electronic document management information. It is preferable to include storing in the electronic document D / B (680).

Here, the electronic document management information, preferably comprises a predetermined electronic document unique number (or unique information) assigned to the merchant card issuance application electronic document and the electronic document storage date and time information.

In addition, the electronic document management information is preferably made further comprises information on the financial institution that transmitted the merchant card issuance application electronic document.

The electronic document management information may include predetermined electronic document-related information (for example, customer information transmitted by inputting (selecting) the merchant card issuance request information and / or financial institution information transmitting the merchant card issuance request electronic document). , And / or electronic document file format information, and / or the merchant card issuance application information).

If the merchant card issuance application electronic document is stored in the electronic document storage (960c), the server issuing and processing a merchant card based on the customer information and payment account information included in the merchant card issuance application information (965c). In operation 970c, the merchant card issuing information regarding the merchant card issuing processing result is stored in the storage medium 685.

For example, the card number (although some exceptions exist) preferably includes a four-digit card issuer number, a two-digit card type number, a nine-digit serial number, and a check digit.

The expiration date information preferably includes a period (or an expiration date and time) in which the affiliate card can be used, and may be omitted if the expiration date does not exist in the affiliate card, and the present invention is not limited thereto. .

The card issuer information (or code) preferably includes at least one or more unique numbers (or unique codes) assigned to the card issuer (or financial company) that issues the merchant card to the customer.

When predetermined card information provided in the affiliated store card is generated by the server, the server generates a merchant card including the card information through a card issuing device 690 (or includes the card information in the affiliated card). The merchant card is provided (or delivered) to the customer.

If the affiliate card is an MS (Magnetic Stripe) card, the card issuing device 690 records the card information on at least one MS track (eg, track I, track II, track III) included in the merchant card. Wherein the server generates (or extracts) card information in a data structure recordable in at least one or more MS tracks, and the server generates at least card information through the card issuing device 690. By writing to one or more MS tracks, a predetermined merchant card to be issued to the customer is issued.

Or, if the merchant card is an IC (Integrated Circuit) card, the card issuing device 690 comprises a device for recording the card information in the memory provided in the IC chip of the merchant card, wherein the server Generates (or extracts) the card information in a file structure operable through a chip operating system (COS) provided in the IC chip, and the server transmits the card information to the IC chip through the card issuing device 690. By recording in the memory of the card, a predetermined merchant card to be issued to the customer is issued.

The merchant card produced as described above is provided to the customer and / or delivered to the customer according to a predetermined card providing procedure.

According to the present invention, by integrating various values and managing in one payment account, there is an advantage that can be effectively managed.

According to the present invention, by connecting / managing the payment account and the merchant card through the virtual account, there is an advantage that the effective merchant card use management / operation is possible.

Claims (5)

A card ledger operating a merchant card that processes transaction approval through the withdrawable amount (or value) of a virtual account having a settlement account as a parent account, and a financial ledger connected to a one-to-one connected virtual account ledger operating the virtual account. In the method, Issuance of a new N (N = 2,3, ...) merchant card that uses a portion (or the entire amount) of the payment account balance corresponding to the account ledger, or a payment corresponding to the account ledger When a request is made to change an N (N = 2,3, ...) Merchant Card linked account that uses a portion (or the entire amount) of the account balance for the transaction approval to the payment account, the virtual account ledger using the payment account as the parent account Checking whether the at least one card ledger for operating the merchant card for processing the transaction approval through the withdrawable amount (or value) of the virtual account is connected to the account; Generating at least one card ledger information for operating the N-th affiliate card when the at least one card ledger is connected to the virtual account ledger; Connecting an N-th virtual account ledger having the payment account as a parent account to the account ledger, and adding an N-th card ledger corresponding to the N-th affiliate card to the N-th virtual account ledger; And storing the generated card ledger information in the N-th card ledger; and a plurality of affiliated card-specific virtual accounts operating methods associated with the payment account. The method of claim 1, Permission to use a merchant card processing transaction approval through the withdrawal amount (or value) of the virtual account to the virtual account ledger using the payment account as the parent account, the date and time of use, the balance of the mother account for the virtual account (Or value) generating usage rights information that includes one or more usages; And storing the generated usage right information in a virtual account ledger connected to a card ledger operating the affiliate card. The method further comprises a plurality of merchant card linked to a payment account. . According to claim 1, wherein the payment account is a single payment characterized in that one or more of the points, mileage, discount coupons, gift certificate value and cash provided by the merchant that issued and processed the N-th merchant card is deposited. How to operate multiple merchant card linked to your account. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. In the system of operating a card ledger operating a merchant card for processing transaction approval through the withdrawable amount of a virtual account having a payment account as a parent account, and a financial ledger connected to the virtual account ledger operating the virtual account one-to-one, Issuance of a new N (N = 2,3, ...) merchant card that uses a portion (or the entire amount) of the payment account balance corresponding to the account ledger, or a payment corresponding to the account ledger When a request is made to change an N (N = 2,3, ...) Merchant Card linked account that uses a portion (or the entire amount) of the account balance for the transaction approval to the payment account, the virtual account ledger using the payment account as the parent account Means for checking whether one or more card ledgers for operating a merchant card for processing a transaction approval through the withdrawable amount of the virtual account are previously connected to; Means for generating card ledger information for operating the N-th affiliate card when the check result indicates that at least one card ledger is connected to the virtual account ledger; Means for adding an N-th virtual account ledger having the payment account as a parent account to the account ledger, and adding an N-th card ledger corresponding to the N-th affiliate card to the N-th virtual account ledger; And means for storing the generated card ledger information in the N-th card ledger; and a plurality of affiliated card-specific virtual account operating systems associated with the payment account.

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