KR101782713B1 - Method for operating card issuing system and card issuing system - Google Patents

Abstract

A card issuing system according to an embodiment of the present invention includes a financial server for issuing a second temporary card by recording a part of card information on a first temporary card issued by a card maker by a card company, An IC R / W unit for reading data from or writing data to a second temporary card issued and a card number from the second temporary card via the IC R / W unit in response to a user's card issuing request, And a terminal device that receives the card setting information for the number and records the card setting information on the second temporary card through the IC R / W device to issue the first card.

Description

Technical Field [0001] The present invention relates to a card issuing system and a card issuing system,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method of operating a card issuing system and a card issuing system, and more particularly, to a method of operating a card issuing system and a card issuing system, .

The card may be requested by the applicant by visiting a card company or a bank, or by filling in personal information via the Internet or telephone. Upon receipt of the card issuance request, the card issuer checks the property or credit status based on the applicant's personal information to determine whether there is any reason for the issuance impossible. .

Since the card is issued through the above process, the applicant can not receive the card immediately after requesting the issuance of the card, and can receive the card after a certain period of time after requesting the issuance of the card. At this time, the applicant immediately requests the issuance of the card, but the card can not be used because it is not received immediately.

In order to solve this problem, a method has been proposed in which a bank or a card company employee visits a customer outside a branch office of a bank or credit card company and immediately issues a card on the spot.

However, because the volume and weight of the card issuing device, which records the card information such as the card number, the name, and the expiration date, on the card, the portability is lacking, so it is difficult for the staff of the bank or credit card company to carry the card issuing device There is a problem that it is difficult to meet the customer outside the branch office of the bank or credit card company.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide an operation method of a card issuing system which enables a card to be issued at any time and place by using a temporary card in which some information among card information is recorded outside a branch office of a bank or credit card company And a card issuing system.

The objects of the present invention are not limited to the above-mentioned objects, and other objects and advantages of the present invention which are not mentioned can be understood by the following description and more clearly understood by the embodiments of the present invention. It will also be readily apparent that the objects and advantages of the invention may be realized and attained by means of the instrumentalities and combinations particularly pointed out in the appended claims.

According to an aspect of the present invention, there is provided a card issuing system including a financial server for issuing a second temporary card by recording a part of card information by a card issuer on a first temporary card issued by a card maker, An IC R / W unit for reading data from or writing data to a second temporary card issued by the IC card reader / writer and receiving the card number from the second temporary card through the IC R / W unit in response to a user's card issuing request, And a terminal device that receives the card setting information for the second card number and records the card setting information on the second temporary card through the IC R / W device to issue the first card.

The financial server may further include a second temporary card in which a card number other than a user name and an expiration date are recorded on a part of a front side of the financial server, an IC chip is disposed on the remaining part of the front side, and a magnetic line is arranged on the rear side Can be issued.

Also, the financial server may issue the second temporary card by setting the financial transaction limit when the second temporary card is issued to a lower limit than a preset reference limit.

The terminal device receives card setting information including at least one of a user name, a password, a PIN number, and a payment account linked with the card number, and transmits the card setting information to the IC chip of the second temporary card through the IC R / And issue a second temporary card. In addition, the financial transaction processing terminal may record the user name in a part of the first card on the first card, when the user name is requested to be recorded on the first card.

In addition, the financial transaction standard of the second card may be adjusted up to a predetermined limit in the financial transaction limit set at the issuance of the first card. Here, the " second card " means a card issued by recording the user name on the first card.

Meanwhile, in the method of operating the card issuing system including the financial server, the smart device and the IC R / W module of the present invention, some information of the card information is recorded by the card company on the first temporary card issued by the card maker A second step of issuing a temporary card, a second step in which the terminal device receives a card number from the second temporary card via the IC R / W device in response to a user's card issuing request, And a third step of issuing the first card by recording the card setting information on the second temporary card through the IC R / W device and issuing the first card.

As described above, according to the present invention, it is possible to issue a card at any time and place immediately by using a temporary card in which some information of the card information is recorded outside the branch office of a bank or credit card company.

In other words, since the card setting information is recorded through the IC R / W device on the IC chip of the issuing card in which the card information excluding the user name is recorded at the time of issuing the card, the card can be issued at any time and place immediately, It can provide the advantage of allowing financial staff members to visit and execute cards at a desired point in time and place.

In particular, a user with a time constraint can obtain a card through consultation with a financial company employee in accordance with his / her schedule, thereby obtaining a similar effect to the process of issuing a card at a branch office. And the like, and also can provide various advantages such as making it possible to increase the profit through securing customers and issuing cards to residents of financial marginalized areas.

1 is an explanatory diagram schematically showing a configuration of a card issuing system according to an embodiment of the present invention.
FIG. 2 is a configuration diagram for explaining the configuration of the terminal device of FIG. 1;
3 is a flowchart illustrating an operation method of a card issuing system according to an embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The above and other objects, features and advantages of the present invention will become more apparent from the following detailed description of the present invention when taken in conjunction with the accompanying drawings.

It is to be understood that the following specific structure or functional description is illustrative only for the purpose of describing an embodiment in accordance with the concepts of the present invention and that embodiments in accordance with the concepts of the present invention may be embodied in various forms, It should not be construed as limited to the embodiments.

The embodiments according to the concept of the present invention can make various changes and have various forms, so that specific embodiments are illustrated in the drawings and described in detail in this specification or application. However, it should be understood that the embodiments according to the concept of the present invention are not intended to limit the present invention to specific modes of operation, but include all changes, equivalents and alternatives included in the spirit and scope of the present invention.

The terms first and / or second etc. may be used to describe various components, but the components are not limited to these terms. The terms may be named for the purpose of distinguishing one element from another, for example, without departing from the scope of the right according to the concept of the present invention, the first element being referred to as the second element, The second component may also be referred to as a first component.

It is to be understood that when an element is referred to as being "connected" or "connected" to another element, it may be directly connected or connected to the other element, . On the other hand, when it is mentioned that an element is "directly connected" or "directly connected" to another element, it should be understood that there are no other elements in between. Other expressions for describing the relationship between components, such as "between" and "between" or "adjacent to" and "directly adjacent to" should also be interpreted .

The terminology used herein is for the purpose of describing particular embodiments only and is not intended to be limiting of the invention. The singular expressions include plural expressions unless the context clearly dictates otherwise. It is to be understood that the terms such as " comprises "or" having "in this specification are intended to specify the presence of stated features, integers, But do not preclude the presence or addition of steps, operations, elements, parts, or combinations thereof.

Unless defined otherwise, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs. Terms such as those defined in commonly used dictionaries are to be interpreted as having a meaning consistent with the meaning of the context in the relevant art and, unless explicitly defined herein, are to be interpreted as ideal or overly formal Do not.

As used herein, the term " first temporary card " refers to a plastic card generated by a card maker.

As used herein, the term " second temporary card " means that the card number and the validity period of the card information other than the user name are recorded in part of the front surface of the first temporary card, and the IC chip is disposed in the remaining part of the front surface Means a card with magnetic lines on the back.

As used herein, the term " first card " means a card issued by inputting card setting information to the IC chip of the second temporary card. At this time, the card number and validity period recorded at the time of issuing the second temporary card may be recorded on the front surface of the first card.

As used herein, the term " second card " means a card issued by recording the user name on the first card.

1 is an explanatory diagram schematically showing a configuration of a card issuing system according to an embodiment of the present invention.

1, the mobile banking system according to an exemplary embodiment of the present invention includes a financial server 100, a terminal 200, and an IC R / W 300, And a processing terminal 400. 1, the terminal device 200 and the IC R / W device 300 are separately shown for the sake of convenience of description. However, when the terminal device 200 includes an IC R / W function, As shown in FIG.

The financial server 100 may be a management server provided in a financial institution such as a bank, and may perform tasks such as processing of a banking service and management of user information. The financial server 100 issues a temporary card in which some of the card information is recorded. More specifically, the financial server 100 may issue a second temporary card by recording some of the card information on the first temporary card issued by the card maker by the card company.

The second temporary card is distributed to a financial company employee, and the financial company employee sends a request for issuing the card to the terminal device 200 and the IC R / W device 300 connected to the terminal device 200 It is possible to issue the first card by recording the card setting information in the IC chip of the second temporary card. This process will be described in more detail below. The financial server 100 issues a second temporary card by setting a financial transaction standard (for example, a payment limit, a cash payment limit, a transfer limit, a transaction availability, or the like) lower than a predetermined standard when issuing the second temporary card do. That is, the financial server 100 issues a second temporary card by setting the second temporary card to be lower than a standard set at the time of issuing the first card when issuing the second temporary card.

 As such, the financial transaction standard set on the second temporary card may be upgraded to a predetermined standard upon receipt of the second card by the user, or automatically or by the user after the first card is switched to the second card Lt; / RTI > For example, when receiving the second card as a delivery service, the financial server 100 can automatically change the transaction information of the second card to be transaction-enabled.

When the financial server 100 receives the card issuance request message including the device information, the employee information, and the card information from the terminal device 200, the financial server 100 authenticates the device information and the employee information included in the card issuance request message. That is, the financial server 100 confirms whether or not the employee holding the terminal device 200 is authorized to issue the first card. At this time, the employee may be an employee belonging to a financial institution, but may be a general user entrusted with issuing a card from a financial institution.

Then, the financial server 100 generates the card ledger information according to the authentication result, records the card information used in issuing the card, and provides the card issuing process message to the terminal device 200. [

The terminal device 200 is a terminal possessed by a financial staff member, and can be carried as a smart phone, a tablet PC, or the like, communicates with the financial server 100, and communicates with the financial server 100. The terminal device 200 may be provided with an IC R / W function or may issue a first card by recording card setting information on a second temporary card using an external IC R / W device 300. At this time, when the terminal device 200 issues the first card using the IC R / W device 300, the terminal device 200 and the IC R / W device 300 can be connected by wireless communication or wired communication have. For example, the terminal device 200 and the IC R / W device 300 may be connected by a wired communication such as a 3.5 P earphone terminal, a USB compliant connector, or the like, or by wireless communication such as Bluetooth, WiFi, or the like.

The terminal device 200 provides the card issuance request message including the device information, the employee information, and the card information to the financial server 100 according to the first card issuance request of the user, and issues the card issuance response And processes the card issuance according to the processing message.

The financial transaction processing terminal 400 is a terminal held by an employee who processes a financial transaction request of a user in a financial company (for example, a bank or credit card company). The financial transaction processing terminal 400 may be implemented in a terminal such as a desktop, a notebook, or the like.

The financial transaction processing terminal 400 records a user name in a part of the first card-front side when a user name is requested for the first card from the user. At this time, the financial transaction processing terminal 400 may record the user name on the first card using a thermal transfer method, an embossing processing method, or the like. In this case, the first card is switched to the second card.

In addition, the financial transaction processing terminal 400 provides a financial transaction basis reconciliation request message to the financial server 100 according to the financial transaction standard up-adjustment request for the second card. Accordingly, the user can use the financial transaction standard of the second card up to a predetermined criterion.

FIG. 2 is a configuration diagram for explaining the configuration of the terminal device of FIG. 1;

2, the terminal 200 includes a communication unit 210, a key input unit 220, a screen output unit 230, and a control unit 240.

The communication unit 210 can communicate with an external device or an external server to transmit and receive data.

In one embodiment, the communication unit 210 may communicate with the IC R / W device 300 to read data from the second temporary card or write data to the second temporary card. In one such embodiment, the communication unit 210 may be implemented with a wireless communication interface or a wired communication interface to communicate with the IC R / W device 300. [ For example, the communication unit 210 may be connected by a wired communication such as a 3.5-earphone terminal, a USB-compatible connector, or the like, or by wireless communication such as Bluetooth, WiFi, or the like.

In another embodiment, the communication unit 210 may communicate with the financial server 100 to transmit and receive data. In this embodiment, the communication unit 210 provides the card application message including the device information and the employee information to the financial server 100, and receives the response message to the card application message from the financial server 100. [

The key input unit 220 receives key input from a predetermined key input unit including a plurality of numeric keys, a character key for inputting characters, and a function key, The control unit 240 reads the key data input through the key input unit 120 and transmits the read key data to the card issuing terminal 220. The key data input unit 230 receives the key data generated when the user clicks the predetermined key, And controls a predetermined function corresponding to the key data and / or a predefined operation in association with at least one or more components provided in the key data.

The screen output unit 230 may be defined in advance by the control unit 240 to be output to a predetermined screen output means including a liquid crystal display (LCD) and / or a CRT (Cathode Ray Tube) The information or data that is predefined to be output to the screen output unit 230 may be input to the terminal device 200 or the terminal device 200 through the key input unit 120, Information or data transmitted or received through the communication unit 210, information or data corresponding to a predetermined operation result performed by the terminal apparatus 200, or the like can do.

3 is a flowchart illustrating an operation method of a card issuing system according to an embodiment of the present invention.

3, in the method of operating the card issuing system according to the embodiment of the present invention, some information of the card information is recorded by the card issuer in the first temporary card issued by the card maker and the second temporary card is issued (S310), the financial server records the financial information in the second temporary card to issue a second temporary card (S310), and transmits the second temporary card from the second temporary card through the IC R / W device (S320) of receiving a card number and issuing a first card (S330) by receiving the card setting information for the card number and recording the card on the second temporary card through the IC R / W device Lt; / RTI >

The financial information is recorded on a second temporary card in which a card number and a valid period of the card information other than the user name are recorded on a part of the front side and the IC chip is disposed on the remaining part of the front side and a magnetic line is arranged on the rear side, The issue of the card (S310) can be made. Here, the second temporary card can be issued with the financial transaction standard set lower than the predetermined standard.

Then, the terminal device receives the card setting information including at least one of a user name, a password, a PIN number and a payment account linked with the card number, records the card setting information in the IC chip of the second temporary card through the IC R / W device The first card is issued (S330). As described above, the card setting information is recorded through the IC R / W device on the IC chip of the second temporary card on which some information of the card information is recorded from outside the branch office of the bank or credit card company, so that the first card can be issued immediately anytime and anywhere .

The financial transaction processing terminal 400 issues a second card by recording a user name in a part of the first card on the first card when a user name of the first card is requested from the user. In this way, the card user holds the second card on which some information of the card information is recorded, visits the branch, and writes the user name on the front face of the second card when the user name is requested.

The present invention is not limited to the above-described embodiments, and various changes, substitutions, and alterations can be made hereto without departing from the scope of the present invention. But the present invention is not limited thereto.

100: financial server
200: terminal device
210:
220:
230:
240:
300: IC R / W device

Claims (12)

A financial server for issuing a second temporary card by recording some of the card information by a card company on a first temporary card issued by a card maker;
An IC R / W device for reading data from or writing data to the second temporary card issued by the financial server; And
Receives the card number of the second temporary card through the IC R / W device in response to a request from the user to issue a card, and transmits card setting information for the card number to the second temporary card through the IC R / And issuing a first card by recording,
The terminal device provides the card issuing request message including the device information and the employee information corresponding to the terminal device and the card number by the IC R / W device to the financial server in response to the card issuing request of the user,
The financial server provides the card issuance processing message corresponding to the card issuance request message to the terminal device based on the authentication result of the device information and the employee information included in the card issuance request message,
The terminal device issues the first card based on the card issuing process message,
Wherein the financial server sets a financial transaction limit at the time of issuing the second temporary card to a lower limit than a preset limit.
The method according to claim 1,
A card number and a validity period of the card information other than the user name are recorded on the front side of the second temporary card issued by the financial server and an IC chip is disposed and a magnetic line is disposed on the rear surface of the second temporary card A card issuing system characterized by.
delete The method according to claim 1,
The terminal device
Card setting information input through the IC R / W device and including at least one of a user name, a password, a PIN number, and a payment account linked with the card number to the IC chip of the second temporary card, And issuing a card to the card issuing system.
The method according to claim 1,
Further comprising a financial transaction processing terminal for issuing a second card by recording a user name in a part of the top face of the first card when a user name is requested to be written to the first card from a user.
6. The method of claim 5,
And the financial transaction standard of the second card is adjusted up to the predetermined limit.
A method of operating a card issuing system including a financial server, a terminal device, and an IC R / W module
A first step of the financial server issuing a second temporary card by recording part of the card information on a first temporary card issued by a card maker;
A second step of receiving a card number from the second temporary card through the IC R / W device in response to a user's card issuance request; And
And a third step of the terminal device receiving the card setting information for the card number and recording the card setting information on the second temporary card through the IC R / W device to issue the first card,
Between the second step and the third step,
Transmitting the card issuance request message including the device information, the employee information, and the card number corresponding to the terminal device to the financial server in response to the user's card issuance request; And
Further comprising the step of the financial server providing a card issuance process message corresponding to the card issuance request message to the terminal device based on the authentication result of the device information and the employee information included in the card issuance request message,
In the third step, the terminal device issues the first card based on the card issuing process message,
Wherein, in the first step, the financial server sets a financial transaction limit at the time of issuing the second temporary card to a lower limit than a predetermined limit.
8. The method of claim 7,
A card number and a validity period of the card information other than the user name are recorded on the front surface of the second temporary card by the first step and an IC chip is disposed and a magnetic line is disposed on the rear surface of the second temporary card A method of operating a card issuing system.
8. The method of claim 7,
The financial transaction standard
A payment limit, a cash payment limit, a transfer limit, and a transaction availability.
8. The method of claim 7,
In the third step,
The terminal device records card setting information input through the IC R / W device and including at least one of a user name, a password, a PIN number, and a payment account linked to the card number in the IC chip of the second temporary card And issuing the first card to the card issuing system.
8. The method of claim 7,
Further comprising issuing a second card by recording a user name in a part of the top face of the first card when the financial transaction processing terminal receives a request for user name recording for the first card from the user How the system operates.
12. The method of claim 11,
The financial transaction standard of the second card
Wherein the card issuing system is upwardly adjusted to the predetermined limit.

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