KR20020050689A - Method of using card that discerns services using the secret number - Google Patents

Abstract

The present invention relates to a method of using a service identification card using a password by integrating each service provided by a general account or a virtual account of a customer into a single card to a customer who deals with a predetermined financial institution.

A service identification card using method using a password according to the present invention comprises: a password granting step of assigning a plurality of passwords to a customer, the function including a function of identifying one of a plurality of services; A password input step of receiving card information stored in a magnetic code of a card and receiving one of a plurality of passwords from a customer; A service selection step of selecting a predetermined service requested by a customer from among a plurality of services through an input password; And a service providing step of providing the selected service to a customer.

The present invention provides a method for integrating services scattered across multiple general and virtual accounts into a single card, thereby providing convenience to customers and reducing the possibility of loss.

Description

How to use service identification card using password {METHOD OF USING CARD THAT DISCERNS SERVICES USING THE SECRET NUMBER}

The present invention relates to a method of using a service identification card using a password, and more particularly, to a method of integrating and using a card existing across multiple accounts.

In recent years, various types of cards, such as credit cards and cash cards, have become indispensable in life. As a result, people have a cash card for each account of a financial institution and a credit card and a debit card.

In addition, due to the development of information communication means, various financial transaction systems using the Internet are actively used, and systems using virtual accounts are also increasing. The list of commonly used virtual account services is listed and briefly described as follows.

First, there is a deposit management virtual account service. Deposit management virtual account service, when the customer deposits in the virtual account, that is, account transfers by using the window of the main bank or other banks, Internet banking, phone banking, ATM, etc. It is a service that is used by operators who need to receive various payments mainly of the transaction method of depositing and depositing the transaction information deposited in the virtual account in real time to the affiliated institution.

Second, there is a withdrawal managed virtual account service. Withdrawal management virtual account service is affiliated with the main bank when a customer requests cash withdrawal (account transfer) using a partner cash card at the ATM of the main bank or other banks used by various card issuers of the main bank. After requesting the withdrawal of the withdrawal request from the affiliated organization's customer account and receiving the withdrawal completion notification of the affiliated organization, the funds are withdrawn from the mother account of the affiliated organization and paid.

Third, there is an informational virtual account service. The information-based virtual account service uses a virtual account assigned to a customer of an affiliated institution, which is mainly used by operators who need to provide various information, as a customer's identification number, and uses a virtual account number or an affiliate cash card to use a bank teller or internet banking. Through channels such as phone banking, ATM, etc., the affiliated agency delivers the information required by the affiliated institution's customers, or on the contrary, when the affiliated institution's customers request the necessary information through the bank's channel, the information is provided in real time. Way of service.

An example of a virtual account is a virtual account system through a business alliance between Samsung Securities and Hanmi Bank. Conventionally, customers who have a Samsung Securities Card have had to visit Samsung Securities directly in order to deposit or withdraw money. Introduced to solve this problem is a virtual account system, Samsung Securities opens an account (parent account) in the Hanmi Bank, and through the process of opening a plurality of accounts (virtual account) connected to the account to give to the customer. Therefore, customers have made it possible through Hanmi Bank to do business with Samsung Securities. In other words, each virtual account of a customer opened at Hanmi Bank serves as a link to Samsung Securities' customer account. Therefore, customers can use services such as depositing or withdrawing accounts from Samsung Securities through Hanmi Bank.

In addition, the virtual account system is widely used in various fields such as collecting money for Internet electronic commerce.

In this situation, a virtual account is used in addition to the general account, and accordingly, the accounts are distributed indiscriminately for each customer, and the services are also distributed, thereby increasing the inconvenience of card management and the risk of loss. From the standpoint, there was a problem such as management inconvenience caused by the increase in the number of cards owned by each customer.

As a result, there is an urgent need for a way to consolidate multiple accounts and services into one and use and manage them efficiently.

The present invention provides a method of using a service identification card using a password as a method proposed to solve the above problems.

In order to achieve the above object, a method of using a service identification card using a password according to the present invention is to provide a single card with a plurality of services provided for each account of a customer of a financial institution to a customer who deals with a predetermined financial institution. Integrate and provide a service identification card using a password using the same,

A password assigning step of giving a customer a plurality of passwords comprising a service identification code used to identify one of the plurality of services;

A password input step of receiving card information stored in a magnetic code of a card and receiving one of a plurality of passwords from a customer;

A service selection step of selecting a predetermined service requested by a customer from among a plurality of services through a service identification code among the passwords input by the customer; And

And a service providing step of providing the selected service to the customer.

In addition, in order to achieve the above object, the method of using a service identification card using a password according to the present invention, a plurality of services provided by a customer or a general account or a virtual account of a customer of a financial institution to a customer who deals with a predetermined financial institution By providing a single card, and using the service identification card using the password using the same,

A password assigning step of assigning a plurality of passwords to the customer, the plurality of passwords including a function of identifying one of the plurality of services;

A password input step of receiving card information stored in a magnetic code of a card and receiving one of a plurality of passwords from a customer;

A service selection step of selecting a predetermined service requested by a customer from among a plurality of services through an input password; And

And a service providing step of providing the selected service to a customer.

Advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a configuration diagram of a service identification card using a password according to the present invention.

2 is a flowchart of a service identification card using process using a password according to the present invention;

<Description of the symbols for the main parts of the drawings>

10: card 15: magnetic code

20: password group 30: terminal

40: financial institution server 50: account information database

55: account history

1 is a block diagram of a service identification card using system using a password according to the present invention. Referring to FIG. 1, the configuration of the system according to the present invention includes a magnetic code that is attached to a card 10 possessed by a customer of a financial institution and a card 10 according to the present invention, and stores information on a transaction financial institution. (15), a password group 20 for distinguishing a customer's account and service for each account, a terminal 30 for relaying withdrawal or cash service, and a financial institution with which the owner of the card 10 according to the present invention transacts. The server 40, the customer information and account information database 50 for storing information about the account for each customer, and account details 55 including the account information of the customer.

The card 10 according to the present invention is a card in which all cards of a financial institution that trades, such as cash cards, credit cards, and debit cards for each customer's account, are integrated.

In the case of FIG. 1, for example, account 1 and account 2 are opened in A as a general account at a financial institution A, and one virtual account is opened. In the above description, the general account refers to a virtual account, and means a general account generally used. In addition, through account 1, a service corresponding to a cash card (hereinafter referred to as 'cash card service') is used, and payment of a service corresponding to A financial institution credit card (hereinafter referred to as 'credit card service'). Is done. Through account 2, you are using a cash card service and a service corresponding to a debit card (hereinafter referred to as 'debit service'). In this case, through the card 10 according to the present invention, each of the above accounts can be used, and each service can be used.

In the above example, the case where the general account and the virtual account are opened together is taken as an example, but the case where only the general account is opened or only the virtual account is opened is also the same as above.

The password group 20 according to the present invention functions to distinguish between the customer's account and the service for each account. In addition, passwords belonging to the password group 20 according to the present invention exist as many as the number of accounts and services of the customer.

In the above example, there are three A bank accounts in customer's head, and two services are used for account 1 and two for account 2. Therefore, five passwords are required.

There are two kinds of configurations of the password group 20 according to the present invention.

First, the password is organized in the form of a unique code. The unique code here consists of a password and a service identification code. The service identification code is a code for identifying each account and the service for each account as in the above example. In addition, the service identification code is formed in the form of a serial number for each type of service and account-specific services of the customer's financial institution, the location in the unique code 20 may vary depending on the setting. That is, it can be set to the last digit or the second digit of the unique code. Therefore, the password becomes the remainder code except the service identification code.

In the above example, the financial institution A has a credit card service of 0, a cash card service of the first account 1, a debit service of the first account 2, a cash card service of the second account 3, a debit service of the second account 4, a first virtual Assume that the account is assigned a service identification code by serial number in the same way as 8 and the second virtual account is 9. In this case, if the unique code 20 of the card is 4 digits and the last code is the service identification code, if the former enters 1231 as the unique code 20, the password of the card 10 of the party is 123, account 1 You have requested a cash card service for.

Secondly, the entire password serves as the service identification code. In the above method, one password exists except for the service identification code in common for each account and service, but in this case, a password exists for each account and service. The above service identification code is designated by the financial institution, but in this case, the customer designates it.

In the case of the above example, the customer has a password of 1111 for the credit card service of account 1, a password of 2222 for the cash card service of account 1, 3333 for the cash card service of account 2, and 4444 for the debit service of account 2 for 4444. The password of the virtual account can be set as 5555. Therefore, if the customer inputs 2222 into the terminal 30, the terminal 30 and the financial institution server 40 will provide a cash card service of account 1.

The financial institution server 40 according to the present invention is a server of a financial institution with which the owner of the card 10 according to the present invention trades, and the magnetic code of the card 10 according to the present invention is applied to the terminal 30 according to the present invention. Receives the information stored in the (15) and the password of the password group 20 entered by the holder of the card, and determines whether the service is possible by referring to the account information database 50, the result to the terminal 30 send. It also updates the account information database 50 according to the present invention based on the service details.

The account details according to the present invention are stored in the account information database 50 according to the present invention, and correspond to a variety of information such as a service provided by a customer account and a description of each service and a limit amount.

2 is a flowchart illustrating a process of using a service identification card using a password according to the present invention. 2, the present invention has the following flow.

The customer who is the owner of the card 10 according to the present invention inserts the card 10 into the terminal 30 according to the present invention.

The terminal 30 according to the present invention reads card and financial institution information from the magnetic code 15 of the card (step 210).

The customer who is the owner of the card 10 according to the present invention selects the service displayed through the terminal 30 (step 220).

That is, a process of selecting whether to use a cash service among credit card services or a withdrawal service among cash card services.

The customer inputs a password corresponding to the type of service to be requested and the account among the password group 20 in the terminal 30 (step 230).

That is, the account and the service that the customer wants to trade are identified and specified through the input password.

For example, if the entire password serves as a service identification code, the client A has bank 1 and account 2 as a general account, such as 295, and one virtual account is opened. In addition, through account 1, a credit card service is used, credit card payments of bank A are made, and through account 2, a cash card service and a debit service are used. The password constituting the password group 20 is 1111 for the credit card service of account 1, 2222 for the cash card service, 3333 for the cash card service of account 2, 4444 for the debit service, and 5555 for the virtual account.

In this case, if A puts the service integration card according to the present invention into the terminal 30 and inputs 3333 as the password, he will request the cash card service of account 2. Accordingly, A may use the detailed service details provided for the service, for example, the account withdrawal service of Account 2.

If A enters 1111, the request is for a credit card service of Account 1, and a corresponding service, for example, a cash service, may be used.

In the above example, the case where the password consists of a unique code form, that is, a password and a service identification code is as follows.

The bank's service identification code is 0 for credit card services, 1 for cash card services for the first account, 2 for debit services, 3 for cash card services for the second account, 4 for debit services, 8 for the first virtual account, and 2 for virtual Assume that the account is made in the same way as 9. It is also assumed that A's password is 123 and that the location of the service identification code is specified as the last digit of the unique code.

In this case, if the account is opened and the service is used as in the above example, the password of the credit card service of account 1 is 1230, the password of the cash card service of account 1 is 1231, and the cash card service of account 2 The password is 1233, the password of the debit service of account 2 is 1234, and the password of the virtual account is 1238.

In this case, when A inserts the service integration card according to the present invention into the terminal 30 and inputs 1231 as the password, the request is made for the cash card service of the account 1. Accordingly, A is provided with the details provided for the service. The service history, for example, the account withdrawal service of account 2, may be used.

If A enters 1230, the request is for a credit card service of Account 1, and a corresponding service, for example, a cash service, may be used.

In the above example, the case where the general account and the virtual account are opened together is taken as an example, but the case where only the general account is opened or only the virtual account is opened is also the same as above.

The terminal 30 according to the present invention transmits information such as card information read in step 210 and a password input by a customer in step 220 to the financial institution server 40. (240 steps)

Financial institution server 40 according to the present invention extracts the information of the customer from the account information database 50 through the information received in step 230 (step 250).

The financial institution server 40 according to the present invention compares the information extracted in step 250 with the information received in step 240 (step 260). That is, the service requested by the customer is identified through the password input by the customer, and Determine whether the service can be provided.

As a result of step 260, if there is an error such as providing a service corresponding to the input password or if a password that is not included in the password group of the customer is input, the terminal 30 displays the result and contents. In step 270.

In the above example, when the entire password serves as a service identification code, the passwords included in the password group 20 are 1111, 2222, 3333, 4444, and 5555. In this case, when the client A enters a password such as 1234 that does not correspond to the password group 20, a password error occurs and the information is transmitted to the terminal 30. The same applies to the case where A enters 2222 and the correct password is entered, but requests an inappropriate service, such as requesting the withdrawal of an amount exceeding the deposit amount.

In the above example, when the password is configured in the form of a unique code, the passwords included in the password group 20 are 1230, 1231, 1233, 1234, and 1238. At this time, if the user inputs 1232 that does not correspond to the password group 20, a password error occurs and transmits this information to the terminal (30).

The terminal 30 according to the present invention displays the contents transmitted in step 270 and allows the customer to input the password included in the password group 20 or re-reviews the service history so as to solve the service error. Enter it (step 275).

As a result of the step 260, if the service can be provided, the contents and information such as the change history of the customer account after the service is transmitted to the terminal 30 (step 280).

The terminal 30 according to the present invention provides a service to the customer and displays the information received in step 270 (step 285).

The financial institution server 40 according to the present invention updates the account information database 50 with the change in the customer account according to the service provision in step 275 (step 290).

In the above example, when the entire password serves as a service identification code, when the client A wants to withdraw the deposit using the cash card service in the account 1, 2222 should be entered as the password. In this case, if the former enters the correct password and correctly enters the details of the service, the service is provided through the terminal 30, and the account is updated according to the contents of the account. That is, the correction is added to the data such as the balance of account 1.

In addition, if the password is configured in the form of a unique code, as described above, if the client wants to use the cash card service in account 1, 1212 should be entered as the password.

The above embodiment of the present invention focuses on banks among financial institutions. An example in the credit card company of this invention is as follows.

Suppose there is a credit card company A that does credit card work, and there is a client company of A company. In this case, A may use A's credit card service and provide a service incorporating A's bank card's cash card service. That is, it is possible to use the service identification card according to the present invention, in which the credit card service of A company and the cash card service of the trading bank of the company are integrated.

In the above example, it is assumed that there is a bank B which the customer A of the credit card company A deals with. A is already using credit card services through company A's credit card and wants to integrate company B's cash card service. In this case, Company A accepts the application of A, and grants to Buyer a card incorporating A's credit card service and B's cash card service through partnership with Company B. In addition, the credit card service and the cash card service are identified by a password. That is, a plurality of different passwords for identifying the credit card service and the cash card service are set, and when one of the plurality of passwords is input, the service is identified through the input password.

As described above, the present invention provides a method for integrating services scattered over multiple general and virtual accounts into a single card, thereby providing convenience to customers and reducing the possibility of loss.

In other words, in the present invention, when a customer has several accounts in one financial institution or is provided with various services such as credit card service, cash card service or debit card service in one account,

First, reduce the customer's efforts to manage the card, and also reduce the risk of loss caused by having multiple cards,

Second, financial institutions also have one card per customer, which has a remarkable effect of integrated management of customers.

While the preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only, and it is understood that various changes and modifications may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (4)

In a method of using a service identification card using a password using a password using the same number of services provided to the customer who deals with a predetermined financial institution, a plurality of services provided for each account of the customer of the financial institution integrated into one card, A password assigning step of granting the customer a plurality of passwords including a service identification code used to identify one of the plurality of services; A password input step of receiving card information stored in the magnetic code of the card and receiving one of the plurality of passwords from the customer; A service selection step of selecting a predetermined service requested by the customer among the plurality of services through the service identification code among the passwords input by the customer; And And a service providing step of providing the selected service to the customer. In a method of using a service identification card using a password using a password using the same number of services provided to a customer who deals with a predetermined financial institution by integrating a plurality of services provided by a general account or a virtual account of the customer of the financial institution into one card. , A password assigning step of assigning a plurality of passwords to the customer, the plurality of passwords including a function of identifying one of the plurality of services; A password input step of receiving card information stored in the magnetic code of the card and receiving one of the plurality of passwords from the customer; A service selection step of selecting a predetermined service requested by the customer from among the plurality of services through the received password; And And a service providing step of providing the selected service to the customer. The method of claim 1 or 2, wherein the service selection step, And a password checking step of determining whether the received password is a suitable password corresponding to the plurality of services. The method of claim 2, wherein A password assigning step of granting the customer a plurality of passwords including a service identification code used to identify one of the plurality of services, The service selection phase, And a service selection step of selecting a predetermined service requested by the customer from among the plurality of services through the service identification code among the passwords input by the customer.