KR102707705B1 - A method and a device for providing a dual card - Google Patents

Abstract

According to one embodiment, a method for a device providing a dual card is provided, comprising: obtaining account information and card information used for providing the dual card; storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card; obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card; obtaining second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information, and a comparison result indicating whether the first identification information corresponds to each other; and storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.

Description

{A METHOD AND A DEVICE FOR PROVIDING A DUAL CARD}

The present disclosure relates to a technology for providing a card, and more specifically, to a technology for issuing a card so that a user can make payments by selectively using a desired card function by implementing multiple different card functions on a single card.

In general, card issuance technology is carried out by card companies receiving applications for issuance by function, such as credit cards and check cards, and issuing individual cards. In addition, in the process of implementing this as a physical card, an error check process is carried out by assigning the requested card function to an IC chip attached to a plastic card or a magnetic stripe coated on one side, and then checking whether the corresponding card function is appropriately assigned by reading the IC chip or magnetic stripe.

This conventional technology has the disadvantage of low user convenience because only the functions of a single card are implemented for a single card. In addition, even if the conventional technology wants to implement multiple card functions on a single card, there is a limitation that there is a high risk of error because there is no means to efficiently verify whether the intended card function is properly implemented on the intended card during the process of implementing it as a physical card.

Accordingly, there is a growing demand for technology to overcome the above-described problems and efficiently issue cards that implement multiple different card functions within a single card.

Korean Patent Registration No. 10-0794275 (2008.01.07.) Card issuance system and method for issuing a card equipped with an IC chip

One embodiment of the present disclosure is intended to solve the problems of the above-mentioned prior art, and to provide a method and device for efficiently issuing a card implementing multiple different card functions within one card.

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

A method for providing a dual card by a device according to a first aspect of the present disclosure may include the steps of: obtaining account information and card information used for providing the dual card; storing first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card; obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card; obtaining second identification information including at least one of second account identification information of the account information, second card identification information of the card information, and second card product identification information, and a comparison result indicating whether the first identification information corresponds to each other; and storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.

Additionally, the first storage unit may include a first IC chip and a first magnetic, and the second storage unit may include a second IC chip and a second magnetic.

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

In addition, the step of storing in the first storage unit may include a step of storing the first account identification information and the first card identification information in the first IC chip and the first magnetic stripe through the first module, as the first IC chip and the first magnetic stripe are connected to the first module of the device; and the step of obtaining the first identification information may include a step of obtaining the first identification information from the first IC chip, the first magnetic stripe or the printing area through the second module, as the first IC chip, the first magnetic stripe or the printing area is connected to the second module of the device.

In addition, the step of obtaining the first identification information can receive the first identification information from the MS through the second module as the MS (magnetic stripe) of the first magnetic is connected to the second module when the second IC chip and the second magnetic are connected to the first module.

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

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

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

In addition, the step of obtaining the account information and the card information may further include the step of receiving card application information for the first card and the second card to be applied to the dual card from the user terminal; the step of obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card application information; and the step of obtaining mapping information used to obtain the comparison result by mapping between the first account identification information and the second account identification information.

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

Additionally, the step of providing recommendation information for the two or more card products may include a step of obtaining the recommendation information based on at least one of the type, account balance, number of credit cards held, card usage history, and credit information for the first account and the second account.

In addition, the method may further include a step of determining that the other one of the first storage unit and the second storage unit is in a deactivated state when a preset deactivation condition for one of the first storage unit and the second storage unit is satisfied.

In addition, the step of determining the deactivated state may include a step of determining the second storage unit as the deactivated state when overseas approval occurs through the first storage unit; and a step of updating the second storage unit, which was in the deactivated state, to the activated state when domestic approval occurs through the first storage unit.

In addition, when the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different, the payment process performed through the first storage unit and the payment process performed through the second storage unit may be performed in different ways.

A device providing a dual card according to a second aspect of the present disclosure may include a receiving unit that obtains account information and card information used for providing the dual card; and a processor that stores first account identification information of the account information and first card identification information of the card information in a first storage unit included in the dual card, obtains first identification information including at least one of the first account identification information and the first card identification information from the dual card, obtains second identification information including at least one of second account identification information of the account information, second card identification information and second card product identification information of the card information, and a comparison result indicating whether the first identification information corresponds to each other, and stores the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result.

Additionally, the first storage unit may include a first IC chip and a first magnetic, and the second storage unit may include a second IC chip and a second magnetic.

Additionally, the processor can obtain the first identification information from the first IC chip, the first magnetic, or a printed area included in the dual card.

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

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

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

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

A third aspect of the present disclosure may provide a computer-readable recording medium having recorded thereon a program for executing the method according to the first aspect on a computer. Alternatively, a fourth aspect of the present disclosure may provide a computer program stored on a recording medium for implementing the method according to the first aspect.

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

Additionally, it is possible to implement various combinations of cards within a single card, which can improve user satisfaction.

In addition, in the process of sequentially issuing two card pieces of information to one card, by verifying the card information issued later using the card information issued first, the possibility of errors occurring in which unrelated card information is loaded onto one card can be effectively blocked, thereby achieving high accuracy.

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

FIG. 1 is a diagram schematically illustrating the configuration of a card provision system according to one embodiment.
FIG. 2 is a block diagram illustrating the configuration of a card providing device according to one embodiment.
FIG. 3 is a flowchart illustrating a method for a card providing device according to one embodiment of the present invention to provide a dual card.
FIG. 4 is a diagram illustrating a dual card according to one embodiment.
FIG. 5 is a flowchart illustrating in more detail a method by which a card providing device according to one embodiment provides a dual card.
FIG. 6 is a drawing for explaining in more detail the operation of a card providing device according to one embodiment of the present invention for issuing a dual card.
FIG. 7 is a flowchart illustrating a method of issuing a dual card by a card providing device according to another embodiment.

The terms used in the embodiments are selected from the most widely used general terms possible while considering the functions in the present disclosure, but this may vary depending on the intention of a technician working in the relevant field, precedents, the emergence of new technologies, etc. In addition, in certain cases, there are terms arbitrarily selected by the applicant, and in this case, the meanings thereof will be described in detail in the description of the relevant invention. Therefore, the terms used in the present disclosure should be defined based on the meanings of the terms and the overall contents of the present disclosure, rather than simply the names of the terms.

When a part of the specification is said to “include” a component, this does not mean that other components are excluded, unless otherwise specifically stated, but rather that other components may be included. In addition, terms such as “… part,” “… module,” etc., used in the specification mean a unit that processes at least one function or operation, which may be implemented as hardware or software, or a combination of hardware and software.

Throughout the specification, "support" may be broadly and not restrictively interpreted to mean performing related actions to achieve a specific purpose. For example, if server C supports server A to perform action B, server C's support for server A may be interpreted to comprehensively include performing related actions required in the process of server A performing action B. For example, server C may provide related information required for server A to perform action B, perform preliminary actions expected to be required in the process of server A performing action B, receive messages requested by server A to perform action B, etc.

Additionally, throughout the specification, 'providing' can be interpreted to comprehensively include the process by which a subject acquires specific information or transmits or receives it directly or indirectly to a specific subject, and the performance of related actions required in this process.

Below, with reference to the attached drawings, embodiments of the present disclosure are described in detail so that those skilled in the art can easily implement the present disclosure. However, the present disclosure may be implemented in various different forms and is not limited to the embodiments described herein.

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

FIG. 1 is a drawing schematically illustrating the configuration of a card provision system (1000) according to one embodiment.

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

The card providing device (100) corresponds to a computing device capable of providing a dual card (10). Here, the dual card (10) means a payment method in which multiple cards that can be used for payment are implemented in one physical card, and each of the multiple cards can be implemented through a storage unit including an IC (integrated circuit) chip and/or a magnetic stripe. Hereinafter, the description will be made focusing on an embodiment in which a first card and a second card are implemented as two cards in the dual card (10), but it is not limited thereto, and “dual” throughout the specification can be understood as a concept including two or more.

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

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

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

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

In another embodiment, the card providing device (100) may be implemented including the terminal and server described above. For example, the card providing device (100) may be implemented in a form in which a card company server communicating through a network and one or more card issuing terminals operate in conjunction with each other. For example, the card company server may generate, store, and manage information necessary for providing a dual card (10), and transmit information used for issuing a dual card (10) to the card issuing terminal, thereby supporting or controlling the entire process of issuing a dual card (10) of the card issuing terminal, and the card issuing terminal may sequentially perform the card issuing process of the dual card (10) in conjunction with the card company server.

The user terminal (200) corresponds to a computing device corresponding to a user. In one embodiment, the user terminal (200) may be implemented as a wireless communication device based on various types of handheld devices such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP (Portable Multimedia Player), a tablet PC, etc., or may include various types of wired/wireless communication devices that are connected to an external server and have a foundation for installing and executing applications, such as a desktop PC, a tablet PC, or a laptop PC.

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

In addition, the card provision system (1000) may further include other components in addition to the components illustrated in FIG. 1. For example, the card provision system (1000) may further include an authentication server that performs authentication on a user during the card provision process. Or, according to another embodiment, some of the components illustrated in FIG. 1 may be omitted.

FIG. 2 is a block diagram illustrating a configuration of a card providing device (100) according to one embodiment, and FIG. 3 is a flowchart illustrating a method for a card providing device (100) according to one embodiment to provide a dual card (10).

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

In step S310, the receiving unit (110) may obtain account information and card information used for providing the dual card (10). In one embodiment, the account information may indicate information about an account corresponding to the issuance target of the dual card (10), and may include first account identification information indicating account identification information for a first account, and second account identification information indicating account identification information for a second account. The account identification information may include a resident registration number, a personal i-PIN number, etc. in the case of an individual, and may include a business registration number, a public i-PIN number, etc. in the case of a corporation. In addition, the card information may indicate information about a card to be issued to the dual card (10), and may include first card identification information indicating card identification information for the first card, and second card identification information indicating card identification information for the second card. The card identification information may include a card number, an expiration date, a CVC (card validation code), etc., and may be understood as a concept encompassing uniquely assigned card information, virtual card information, one-time card information, etc.

In one embodiment, the receiving unit (110) may receive the account information and card information described above from another device (e.g., a server). In another embodiment, the receiving unit (110) may receive card application information for a first card and a second card to be applied to a dual card (10) from a user terminal (200), and the processor (120) may obtain first card identification information and second card identification information based on first account identification information and second account identification information included in the card application information. For example, the receiving unit (110) may receive personal information including a resident registration number for the individual's first account and card product information (e.g., individual credit card product A) as card application information for the first card (e.g., individual credit card), and may receive corporate information including a business registration number for the corporation's second account, designee information (e.g., resident registration number of a designated user granted permission to use the corporate card by the second account), and card product information (e.g., corporation credit card product B) as card application information for the second card (e.g., corporate credit card). In addition, the processor (120) may perform a card screening process to analyze credit information of the first and second accounts, etc. based on the received information, according to a preset policy, and determine whether to approve card issuance, the card limit, etc. Additionally, when card issuance is approved for the first card and the second card, the processor (120) can generate first card identification information and second card identification information according to a pre-stored number generation algorithm based on the first account identification information and the second account identification information.

In one embodiment, the processor (120) may obtain mapping information by mapping between the first account identification information and the second account identification information. For example, the processor (120) may store and manage a mapping table that maps information related to the issuance of the first card, such as the resident registration number of the first account (e.g., an individual), the card number of the first card, and the card product number, and information related to the issuance of the second card, such as the business registration number of the second account (e.g., a corporation), the resident registration number of the designator for the second card, the card number of the second card, and the card product number. This mapping information may be used to verify whether the information of the first card and the information of the second card correspond to each other during the process of issuing the first card and the second card at a later stage.

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

FIG. 4 is a drawing showing a dual card (10) according to one embodiment. Referring to FIG. 1 and FIG. 4, the dual card (10) may include a first storage unit (10a) and a second storage unit (10b). Each of the first storage unit (10a) and the second storage unit (10b) may be composed of an IC chip and/or a magnetic. For example, the first storage unit (10a) may include a first IC chip (11) and a first magnetic (13), and the second storage unit (10b) may include a second IC chip (12) and a second magnetic (14). For another example, the first storage unit (10a) may include a first IC chip (11), and the second storage unit (10b) may include a second IC chip (12). Hereinafter, the first storage unit (10a) and the second storage unit (10b) of the dual card (10) are described with a focus on an embodiment including an IC chip and a magnet, but are not limited thereto, and may be implemented in various ways, such as an embodiment including an IC chip without a magnet as described above, and an embodiment including a magnet without an IC chip.

Referring to FIG. 4(a), a first IC chip (11) and a second IC chip (12) may be included on one side of a dual card (10). In one embodiment, the first IC chip (11) may be located at a side end in a first direction (e.g., left) of the dual card (10), and the second IC chip (12) may be located at a side end in a second direction (e.g., right) opposite to the first direction of the dual card (10). Each of the first IC chip (11) and the second IC chip (12) may be implemented as an IC chip including a microprocessor, a card operating system, a security module, a memory, etc. Hereinafter, the present invention will be described with a focus on an embodiment in which a first card and a second card are issued to a dual card (10) implemented as a plastic card equipped with a first IC chip (11) and a second IC chip (12) by a card manufacturer, but it may also include an embodiment in which the dual card (10) is implemented in such a way that the first IC chip (11) and the second IC chip (12) on which card issuance information is recorded are inserted into corresponding positions of the plastic card during the process of issuing the first card and the second card.

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

In addition, a first printing area (15) and a second printing area (16) may be included on the corresponding surface of the dual card (10). In one embodiment, the first printing area (15) may be positioned adjacent to the first magnetic stripe (13), and the second printing area (16) may be positioned adjacent to the second magnetic stripe (14). Each of the first printing area (15) and the second printing area (16) may be blank before card issuance, and may be changed into a form in which account information (e.g., user name) and card information (e.g., card number, expiration date, etc.) regarding each of the first card and the second card are printed or embossed, during the card issuance process according to steps S320 to S350. In addition, the first printing area (15) and the second printing area (16) may be positioned on the same surface as the IC chip.

In step S320, the processor (120) may store the first account identification information and the first card identification information in the first storage (10a) included in the dual card (10). In one embodiment, a dual card (10) may be prepared in which two IC chips and two magnetic stripes are each provided on one blank card, and when the dual card (10) is inserted in the first direction into a module included in the card providing device (100) and accommodating the dual card (10) for issuing the first card, the processor (120) may be electromagnetically connected to the first IC chip (11) and/or the first magnetic stripe (13). The processor (120) can perform a first card issuance process for issuing the first card to the dual card (10) by recording card issuance information for the first card including first account identification information and first card identification information on the connected first IC chip (11) and the first magnetic stripe (13). In one embodiment, the card issuance information recorded on the dual card (10) can further include other information necessary for card use, and can be converted or processed into a format suitable for the IC chip or magnetic stripe and processed.

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

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

In one embodiment, the processor (120) may read the resident registration number and card number for the first card from the MS of the first IC chip (11) or the first magnetic (13) by being connected to the MS of the first IC chip (11) or the first magnetic (13). In another embodiment, the processor (120) may recognize text printed or embossed on the first printing area (15) (e.g., reading it as text through scanning, etc.) and read the card number, expiration date, user name, etc. from the recognized text by being connected to the first printing area (15).

In step S340, the processor (120) may obtain a comparison result indicating whether the second identification information including at least one of the second account identification information, the second card identification information, and the second card product identification information corresponds to the first identification information. In one embodiment, the processor (120) may obtain a comparison result between the first identification information and the second identification information using the mapping information. For example, the processor (120) may load, from a stored mapping table, the business registration number, the resident registration number of the designator, the card number, the card product number, etc., which are mapped to the resident registration number, the card number of the first card, the card product number, etc., read from the first magnetic stripe (13). In addition, the processor (120) can compare the loaded business registration number, the resident registration number of the designator, the card number, the card product number, etc., with the business registration number for the second account included in the second identification information, the resident registration number of the designator for the second card, the card number of the second card, the card product number, etc. of the second card, to determine whether they match.

In one embodiment, the processor (120) may detect card identification information mapped to first account identification information included in the first identification information, and determine whether the detected card identification information and the mapped card product identification information and the second card product identification information correspond to each other. For example, the processor (120) may load a card product number mapped to a resident registration number read from the first magnetic stripe (13) from a mapping table, and compare the loaded card product number with the card product number of the second card to be issued to determine whether they match.

In another embodiment, the processor (120) may determine whether the first identification information matches the designator information of the corporate card corresponding to the second identification information. For example, the processor (120) may load the resident registration number of the designator that is mapped to the card number of the second card to be issued from the mapping table, and compare the resident registration number read from the first magnetic stripe (13) with the loaded resident registration number of the designator to check whether they match.

In step S350, the processor (120) may store the second account identification information and the second card identification information in the second storage (10b) included in the dual card (10) based on the comparison result. In one embodiment, if the first identification information and the second identification information correspond to each other, the processor (120) may record card issuance information for the second card including the second account identification information and the second card identification information in the second IC chip (12) and/or the second magnetic stripe (14) of the connected second storage (10b), thereby performing a second card issuance process for issuing the second card to the dual card (10).

If the first identification information and the second identification information do not correspond to each other, the processor (120) may output a message indicating that an error has occurred and stop the second card issuance process. For example, the processor (120) may generate a message including information about the first identification information acquired from the dual card (10), the second identification information for the second card to be issued to the dual card (10), items that differ according to the comparison result, analysis results for the cause of the error, etc., and display the message through a display (not shown). Thereafter, if the processor (120) is disconnected from the dual card (10) as the dual card (10) is separated and connected to the second IC chip (12) and the second magnetic stripe (14) of the same or different dual card (10), the processor (120) may restart the second card issuance process and perform steps S330 to S350 again. Additionally, the processor (120) can record card issuance information for the second card in the connected second IC chip (12) and second magnetic stripe (14) if the first identification information and the second identification information obtained again correspond to each other.

According to one embodiment of the present disclosure, by mounting two IC chips on one dual card (10), the user can selectively use the card by simply presenting one of the two IC chips at the time of payment, thereby improving user convenience.

In addition, in the process of sequentially issuing two card information to a dual card (10), by verifying the card information issued later using the card information issued first, the possibility of an error occurring in which unrelated card information is loaded onto one card can be effectively blocked, thereby implementing high accuracy.

The first card and the second card according to one embodiment may be implemented in various combinations depending on the types of the first account and the second account, the types of each card product, etc.

In the first embodiment, the first account identification information and the second account identification information are at least partially identical to each other, and the first account identification information and the first card identification information may correspond to a personal account and a personal card, respectively, and the second account identification information and the second card identification information may correspond to a corporate account and a corporate card, respectively. For example, if the first account and the second account are an individual and a corporation, respectively, and the first card and the second card are issued as a personal card and a corporate card, respectively, the resident registration number in the first account identification information may match the resident registration number of the designator for the corporate card in the second account identification information.

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

In this way, the dual card (10) can be implemented with various card combinations, such as a combination of a personal card and a corporate card, a combination of a credit card and a check card, a combination of a credit card and a prepaid card, a combination of a personal credit card product A and a credit card product B, etc., thereby improving user satisfaction in terms of diversity.

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

In addition, it will be understood by those skilled in the art that other general components may be further included in the card provision device (100) in addition to the components illustrated in FIG. 2. For example, the card provision device (100) may further include a storage unit (e.g., memory, database, cloud) for storing data used throughout the operation, an input/output interface for receiving user input or outputting information, etc.

FIG. 5 is a flowchart illustrating in more detail a method by which a card providing device (100) according to one embodiment provides a dual card (10).

In step S501, the card providing device (100) can receive card application information for the first card and the second card to be applied to the dual card (10) from the user terminal (200). In one embodiment, the card providing device (100) can provide an inquiry menu through which information on a plurality of card products that can be applied to the dual card (10) can be searched through an application installed in the user terminal (200), and can receive a selection input for the card products to be applied to each of the first card and the second card through the inquiry menu. In addition, the card providing device (100) can provide an application menu through which card application information can be input for the selected card products, and can receive input information for the first account and the second account corresponding to the owner of each of the first card and the second card through the application menu.

In one embodiment, the card providing device (100) may obtain first account identification information and second account identification information from the card application information. For example, the first account identification information and the second account identification information may be included in the card application information, or may be retrieved from customer information previously stored in the customer database based on input information (e.g., corporate name, etc.) for the first account and the second account included in the card application information.

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

In one embodiment, the card providing device (100) may obtain recommendation information for two or more card products based on at least one of the type, account balance, number of credit cards held, card usage history, and credit information for the first account and the second account. For example, the card providing device (100) may recommend a product combination of a personal card and a corporate card if the account corresponding to the user terminal (200) is an individual registered as a designator of a corporate card by an account corresponding to a corporation based on customer information stored in a customer database. For another example, the card providing device (100) may recommend a product combination of a credit card and a check card if the cash held in the account corresponding to the user terminal (200) is equal to or greater than a preset amount. For another example, the card providing device (100) may recommend a product combination of a credit card of product A and a credit card of product B, which can receive the greatest benefit, based on the card usage history if the individual holds a number of credit cards equal to or greater than a preset number.

In one embodiment, the card providing device (100) may determine recommendation scores for a plurality of card products based on at least one of the type, account balance, number of credit cards held, card usage history, and credit information for the first account and the second account, and provide a list of recommended card products in which information for the plurality of card products is sorted in order of high recommendation scores. For example, the card providing device (100) may calculate recommendation scores based on a weight given in the order of high among the type, account balance, number of credit cards held, and card usage history for the first account and the second account.

In another embodiment, the card providing device (100) may determine a recommendation score based on the card usage history by the first account and the second account. For example, the card providing device (100) may collect information on items or product categories mainly used for payment by the first account and card types mainly selected by users registered as designees by the second account, and, based on the collected information, may determine a higher recommendation score for items or product categories or card types that are frequently used for payment among multiple card products as they have a high correlation with the card type.

In step S502, the card providing device (100) can obtain the first card identification information and the second card identification information based on the first account identification information and the second account identification information. If the card issuance for the first card and the second card is approved based on the first account identification information and the second account identification information, the card providing device (100) can generate, store, and manage the first card identification information and the second card identification information according to a number generation algorithm. Additional detailed procedures such as card screening may be performed throughout this process, and a description thereof will be omitted.

In step S503, the card providing device (100) may obtain mapping information by mapping the first account identification information and the second account identification information. In one embodiment, the mapping information may include a mapping table that maps information regarding the issuance of the first card, including at least one of the resident registration number of the first account, the card number and the card product number of the first card, and information regarding the issuance of the second card, including at least one of the business registration number of the second account, the resident registration number of the designator for the second card, and the card number and the card product number of the second card.

In step S504, the card providing device (100) may provide the approval result for the card application to the user terminal (200). In one embodiment, the card providing device (100) may provide an inquiry menu through which the progress of the card issuance application can be checked through an application, and information on whether the card issuance application has been received, whether the card issuance has been approved, whether the card has been issued, delivery status, etc. may be provided through the inquiry menu.

In steps S505 to S510, the card providing device (100) can perform a card issuance process for a dual card (10). This will be further described with reference to FIG. 6.

FIG. 6 is a drawing for explaining in more detail the operation of a card providing device (100) according to one embodiment of the present invention for issuing a dual card (10).

Referring to FIG. 6, the card providing device (100) may further include a first module (130) and a second module (140) for sequentially issuing a first card and a second card to a dual card (10). The first module (130) may accommodate at least a portion of the dual card (10), may be connected to an IC chip and a magnetic stripe located on one side of the dual card (10) as the dual card (10) is inserted, and may record card information about a card to be issued on the connected IC chip and magnetic stripe. In addition, the second module (140) may be connected to an IC chip, a magnetic stripe, or a printing area located on one side of the dual card (10) as the dual card (10) is inserted into the first module (130), and may read identification information from the connected IC chip, magnetic stripe, or printing area.

First, in steps S505 to S506, the card providing device (100) can perform a first card issuance process for the first card.

In step S505, the card providing device (100) can be connected to the first IC chip (11) and the first magnetic (13) of the dual card (10). In one embodiment, as the dual card (10) is inserted into the first module (130) in the first direction (e.g., left), the first module (130) can be connected to the first IC chip (11) located at the side end in the first direction within the dual card (10) and the first magnetic (13) located at the side end in the third direction (e.g., upper).

In step S506, the card providing device (100) can store first account identification information and first card identification information in the connected first IC chip (11) and first magnetic stripe (13). For example, the card providing device (100) can sequentially record first card issuance information including the resident registration number of the first account and the card number for the first card in the first IC chip (11) and the first magnetic stripe (13). In addition, the card providing device (100) can complete the first card issuance process by performing a process such as printing or embossing the card number, expiration date, CVC, name of the first account, etc. in the first printing area (15).

Next, in steps S507 to S510, the card providing device (100) can perform a second card issuance process for the second card.

In step S507, the card providing device (100) may be connected to the second IC chip (12) and the second magnetic (14) of the dual card (10), and may be connected to the first IC chip (11), the first magnetic (13) or the first printing area (15) of the dual card (10). In one embodiment, when the first card issuing process is completed, the dual card (10) inserted into the first module (130) in the first direction may be separated, and then the dual card (10) may be inserted into the first module (130) in the second direction (e.g., to the right). Accordingly, the first module (130) may be connected to the second IC chip (12) located at the side end in the second direction within the dual card (10) and the second magnetic (14) located at the side end in the fourth direction (e.g., to the bottom). Additionally, the second module (140) can be connected to the first IC chip (11), the first magnetic (13), or the first printing area (15) that is not connected to the first module (130).

In one embodiment, when the second IC chip (12) and the second magnetic (14) are connected to the first module (130), the MS of the first magnetic (13) may be connected to the second module (140). For example, a dual card (10) that was inserted into the first module (130) for issuing the first card may be rotated 180 degrees and inserted back into the first module (130), and the first module (130) may be connected to the second IC chip (12) and the second magnetic (14) for which the second card has not yet been issued, and the second module (140) may be connected to the MS of the first magnetic (13) for which the first card has already been issued. In one embodiment, the dual card (10) may be configured so that when the first IC chip (11) is rotated 180 degrees while maintaining the direction in which it faces, the second IC chip (12) is positioned in the space where the first IC chip (11) was positioned.

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

In step S509, the card providing device (100) can store second account identification information and second card identification information in the connected second IC chip (12) and second magnetic stripe (14) if the first identification information and the second identification information correspond to each other. For example, the processor (120) loads the card product number mapped to the resident registration number read from the first magnetic stripe (13) from the mapping table, compares the loaded card product number with the card product number of the second card to be issued, and if they match, can sequentially record second card issuance information including the business registration number of the second account, the resident registration number of the designator of the second account, and the card number for the second card in the second IC chip (12) and the second magnetic stripe (14) through the first module (130). In addition, the card issuing device (100) can complete the second card issuance process by performing a process such as printing or embossing the card number, expiration date, CVC, corporate name of the second account or related logo (e.g., card company logo, corporate logo) on the second printing area (16).

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

The card issuing device (100) can additionally perform card inspection to check whether the card has been issued properly, and can provide information on the card issuance result to the user terminal (200) as the first card and the second card are normally issued to the dual card (10).

According to one embodiment of the present disclosure, the possibility of different users' IC chips being issued to one card can be significantly reduced. In addition, when sequentially issuing cards to one dual card (10), the probability of error occurrence can be significantly reduced by first identifying the issuance information from the IC chip or MS to which the card is issued, and then later checking whether it matches the card information to be issued.

The card providing device (100) can additionally support various interfaces for preventing financial accidents and improving user convenience in the overall use of the dual card (10) even after the dual card (10) is provided to the user. Hereinafter, the use of the dual card (10) is described with a focus on an embodiment in which the IC chip included in the first storage unit (10a) and the second storage unit (10b) is used, but is not limited thereto, and can be implemented in various ways, such as an embodiment in which the IC chip is used without a magnet as described above, and an embodiment in which the magnetic or IC chip is selectively used.

The card providing device (100) can determine that the other one of the first storage (10a) and the second storage (10b) is in a deactivated state when a preset deactivation condition is satisfied for one of the first storage (10a) and the second storage (10b). The card providing device (100) can manage the states of the first IC chip (11) and the second IC chip (12), and, for example, can determine the first IC chip (11) and the second IC chip (12) to be in an activated state when issuing a dual card (10), receiving a user's dual card (10), or registering the user's card use. In addition, the card providing device (100) can change the state of one of the two IC chips according to a preset condition for the country, region, etc. of card approval occurring through one of the cards for the dual card (10).

In one embodiment, the card providing device (100) may determine the second storage (10b) to be inactive when overseas approval occurs through the first storage (10a), and may update the second storage (10b) in the inactive state to an active state when domestic approval occurs through the first storage (10a). For example, the card providing device (100) may change another IC chip to a inactive state when overseas approval occurs for one IC chip, and may change the other IC chip back to an active state when domestic approval occurs for the IC chip, thereby reducing the possibility of a financial accident occurring.

In another embodiment, when domestic approval occurs at a merchant located in a first region (e.g., Seoul) within the country through a first IC chip (11), the card providing device (100) may determine the second IC chip (12) to be inactive only in a second region (e.g., Busan, Jeju Island, etc.) that is a standard distance away from the first region, and may update the second IC chip (12) that was inactive to an active state as time corresponding to the standard distance elapses.

If the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different, the payment process performed via the first IC chip (11) and the payment process performed via the second IC chip (12) may be performed in different ways. In one embodiment, if payment is performed via one selected from the first IC chip (11) and the second IC chip (12), an additional authentication procedure corresponding to the type of the corresponding card may be performed. For example, after a message notifying that payment will be performed with the type of the corresponding card (e.g., corporate card) is output, payment may be made based on the user's consent thereto, and thus, it is possible to support the user to easily recognize the type of the corresponding card being paid for. In another embodiment, a different payment method corresponding to the type of the card for which payment is requested may be additionally requested. For example, in the case of a corporate card, a procedure requiring a signature may be added.

The card providing device (100) can shorten the card issuance time by utilizing pre-stored information when some of the account identification information required for issuing the first card and the second card during the card issuance process are the same. For example, when the first card and the second card are a personal card and a corporate card, the card providing device (100) can omit an additional procedure for obtaining the remaining personal information excluding the resident registration number of the designator from the designator information for the second card and utilize the personal information of the first account corresponding to the designator. As another example, when the first card and the second card are personal cards of the same individual, the card providing device (100) can omit an additional procedure for obtaining the second account identification information required for issuing the second card and utilize the account identification information of the first account corresponding to the second account.

FIG. 7 is a flowchart showing a method for a card providing device (100) according to another embodiment to issue a dual card (10).

Referring to FIG. 7, in step S710, the card providing device (100) can perform an accident registration process for accident prevention. For example, the card providing device (100) can manage an accident code regarding an accident user and accident details regarding card use to be registered in a personal card. In addition, the card providing device (100) can manage not to register an accident code for a designated corporate card for which a designated person has been designated by the corporation.

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

In step S730, the card providing device (100) can perform an issuance approval process. The card providing device (100) can process multiple texts used for providing a dual card (10), and for example, if the type of transmission of the member registration text is specified as 7, card issuance can be processed.

In one embodiment, the plurality of specialties may include a member registration speciality, a card issuance speciality, a design speciality, a speciality for excluding deduction of stock of public cards, a speciality for listing reasons for non-issuance, a speciality for other registrations, a speciality for accidents, a speciality for re-issuance, etc. For example, the card issuance speciality may include 2-track information for reading card information of the first module (130) or the second module (140), and the design speciality may include a product code corresponding to a dual card (10) and change information therefor.

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

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

The order and combination of steps illustrated above are examples, and it can be understood that the order, combination, branching, function, and performing entity thereof may be variously implemented in a form in which they are added, omitted, or modified without departing from the essential characteristics of each component described in the specification.

Various embodiments of the present disclosure may be implemented as software including one or more instructions stored in a storage medium (e.g., a memory) that can be read by a machine (e.g., a display device or a computer). For example, a processor of the machine (e.g., processor (120)) may call at least one instruction among the one or more instructions stored from the storage medium and execute it. This enables the machine to operate to perform at least one function according to the at least one called instruction. The one or more instructions may include code generated by a compiler or code that can be executed by an interpreter. The machine-readable storage medium may be provided in the form of a non-transitory storage medium. Here, 'non-transitory' simply means that the storage medium is a tangible device and does not contain signals (e.g. electromagnetic waves), and the term does not distinguish between cases where data is stored semi-permanently or temporarily on the storage medium.

According to one embodiment, the method according to various embodiments disclosed in the present disclosure may be provided as included in a computer program product. The computer program product may be traded between a seller and a buyer as a commodity. The computer program product may be distributed in the form of a machine-readable storage medium (e.g., a compact disc read only memory (CD-ROM)), or may be distributed online (e.g., downloaded or uploaded) via an application store (e.g., Play StoreTM) or directly between two user devices (e.g., smartphones). In the case of online distribution, at least a part of the computer program product may be at least temporarily stored or temporarily generated in a machine-readable storage medium, such as a memory of a manufacturer's server, a server of an application store, or an intermediary server.

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

The scope of the present disclosure is indicated by the claims set forth below, and all changes or modifications derived from the meaning and scope of the claims and their equivalent concepts should be interpreted as being included in the scope of the present disclosure.

1000: Card provision system
100: Card providing device
110: Receiver 120: Processor
130: Module 1 140: Module 2
10: Dual Card
10a: 1st storage unit 10b: 2nd storage unit
11: 1st IC chip 12: 2nd IC chip
13: 1st magnetic 14: 2nd magnetic
15: 1st printing area 16: 2nd printing area
200: 1st user terminal

Claims (22)

In the method of providing dual cards for the device,
A step of obtaining account information and card information used to provide the above dual card;
A step of storing first account identification information of the above account information and first card identification information of the above card information in a first storage unit included in the dual card;
A step of obtaining first identification information including at least one of the first account identification information and the first card identification information from the dual card;
A step of obtaining a comparison result indicating whether the second identification information including at least one of the second account identification information of the account information, the second card identification information of the card information, and the second card product identification information correspond to the first identification information; and
A step of storing the second account identification information and the second card identification information in a second storage unit included in the dual card based on the comparison result;
The step of obtaining the above first identification information is
When the second IC chip and the second magnetic are connected to the first module of the device, the MS (Magnetic Stripe) of the first magnetic is connected to the second module of the device, thereby obtaining the first identification information from the MS of the first magnetic through the second module,
A method, wherein the first storage unit includes a first IC chip and the first magnetic, and the second storage unit includes a second IC chip and the second magnetic.
delete In paragraph 1,
The step of obtaining the first identification information from the above dual card is
A method comprising the step of obtaining the first identification information from the first IC chip, the first magnetic or a printed area included in the dual card.
In the third paragraph,
The step of storing in the above first storage unit is
A step of storing the first account identification information and the first card identification information in the first IC chip and the first magnetic stripe through the first module, as the first IC chip and the first magnetic stripe are connected to the first module;
The step of obtaining the above first identification information is
A method comprising: a step of obtaining the first identification information from the first IC chip, the first magnetic or the printing area through the second module, as the first IC chip, the first magnetic or the printing area is connected to the second module.
delete In paragraph 1,
The first account identification information and the second account identification information are at least partially identical to each other,
The above first account identification information and the above first card identification information correspond to a personal account and a personal card, respectively,
A method wherein the second account identification information and the second card identification information correspond to a corporate account and a corporate card, respectively.
In paragraph 6,
The steps for obtaining the above comparison results are:
A method comprising the step of determining whether personal information representing a first account corresponding to the first identification information corresponds to designator information representing a second account of a corporate card corresponding to the second identification information.
In paragraph 1,
The above first account identification information and the above second account identification information are the same,
The above first account identification information and the above first card identification information correspond to personal account and personal card identification information for the first card product, respectively,
A method wherein the second account identification information and the second card identification information correspond to personal card identification information for a personal account and a second card product, respectively.
In paragraph 1,
The steps for obtaining the above account information and card information are:
A step of receiving card application information for a first card and a second card to be applied to the dual card from a user terminal;
A step of obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card application information; and
A method further comprising: a step of obtaining mapping information used to obtain the comparison result by mapping between the first account identification information and the second account identification information.
In Article 9,
The steps for receiving the above card application information are:
A method further comprising the step of providing recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information.
In Article 10,
The step of providing recommendation information for the above two or more card products is
A method comprising the step of obtaining the recommendation information based on at least one of the type, account balance, number of credit cards held, card usage history, and credit information for the first account and the second account.
In the first paragraph,
A method further comprising: a step of determining that the other one of the first storage unit and the second storage unit is in a deactivated state when a preset deactivation condition for one of the first storage unit and the second storage unit is satisfied;
In Article 12,
The step of determining the above deactivation status is
When overseas approval occurs through the first storage unit, the step of determining the second storage unit to be in the inactive state; and
A method comprising: a step of updating the second storage unit, which was in the inactive state, to an active state when domestic approval occurs through the first storage unit.
In paragraph 1,
If the types of the first card product corresponding to the first card identification information and the second card product corresponding to the second card identification information are different,
A method wherein the payment process performed through the first storage unit and the payment process performed through the second storage unit are performed in different ways.
For devices providing dual cards,
A receiving unit for obtaining account information and card information used for providing the above dual card; and
Store the first account identification information of the above account information and the first card identification information of the above card information in the first storage unit included in the dual card,
From the dual card, first identification information is obtained, including at least one of the first account identification information and the first card identification information,
Obtain a comparison result indicating whether the second identification information including at least one of the second account identification information of the above account information, the second card identification information of the above card information, and the second card product identification information correspond to the first identification information,
Based on the comparison result, the second account identification information and the second card identification information are stored in the second storage unit included in the dual card,
When the second IC chip and the second magnetic are connected to the first module of the device, a processor that obtains the first identification information from the MS through the second module as the MS (Magnetic Stripe) of the first magnetic is connected to the second module of the device; and
A device comprising a first storage unit including a first IC chip and the first magnetic, and a second storage unit including a second IC chip and the second magnetic.
delete In Article 15,
The above processor
A device that obtains the first identification information from the first IC chip, the first magnetic stripe or the printed area included in the dual card.
In Article 15,
The first account identification information and the second account identification information are at least partially identical to each other,
The above first account identification information and the above first card identification information correspond to a personal account and a personal card, respectively,
The above second account identification information and the above second card identification information correspond to a corporate account and a corporate card, respectively, in the device.
In Article 15,
The above first account identification information and the above second account identification information are the same,
The above first account identification information and the above first card identification information correspond to personal account and personal card identification information for the first card product, respectively,
The device wherein the second account identification information and the second card identification information correspond to personal account and personal card identification information for the second card product, respectively.
In Article 15,
The above receiver
Receive card application information for the first card and the second card to be applied to the dual card from the user terminal,
The above processor
Obtaining the first card identification information and the second card identification information based on the first account identification information and the second account identification information included in the card application information,
A device that obtains mapping information used to obtain the above comparison result by mapping between the first account identification information and the second account identification information.
In Article 20,
The above processor
A device that provides recommendation information for two or more card products among a plurality of card products to the user terminal based on the first account identification information and the second account identification information.
A computer-readable recording medium having recorded thereon a program for executing the method of any one of claims 1, 3, 4, 6 to 14 on a computer.

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