KR20100122329A - An tour credit card issuing and settlement system and the method thereof - Google Patents

Abstract

The present invention relates to a tourism card issuance and payment system and method for issuing and paying tourist cards based on a user's credit card. The credit card payment information and credit limit information such as credit limit, expiration date, and usage area are issued from the card issuing terminal. Receives the user's credit card, check the credit of the user credit card based on the credit card issuance, and receives the payment request by the tourist card from the card payment terminal, the requested payment is credit of the credit restriction information Approved only within a predetermined time period, and the payment is made to the credit card company's server of the credit card to approve the final payment.

By the tourism card issuing and payment system and method as described above, travelers can use a tourist card credit card that can be used only within a certain amount of money for a certain period of time at a travel destination, thereby avoiding risks such as illegal copying of credit card, You can also use your credit card at travel destinations.

Description

Tourist card issuing and settlement system and the method

The present invention is to issue a tourist card based on the passport number and credit card of the entrants (hereinafter referred to as the 'user') of foreign tourists, such as limiting the credit limit, expiration date, usage area, etc., only during the travel period It relates to a tourism card issuance and payment system and method for issuing and paying tourist cards that can be used.

In addition, the present invention is a tourism card issuing and payment system that processes the payment of the tourism card by registering the tourism card by linking the card information of the tourism card with the user's passport number and credit card information while the tourist card is made in advance; It is about a method.

In general, a tourist card refers to a payment method provided for convenient payment at a place of travel as foreign travelers pay at home. The most convenient and commonly used payment methods are by cash and credit card.

However, when the user travels abroad, the local currency, which is cash, is usually inconvenient, so it is inconvenient to exchange the currency for the destination. In addition, if you can't use the exchanged destination currency, you have to exchange it into your own currency, and the exchange fee is considerable.

On the other hand, in the case of a credit card, if the credit card is affiliated with an internationally accepted card company such as a visa or a master card, the user can use the credit card even in a travel destination.

However, when a user uses a credit card at a foreign travel destination, the user is concerned that a problem such as a case where the credit card is illegally copied or settled in excess of the payment amount may occur. For example, there are occasions when a credit card used abroad by a user is illegally copied at a travel destination and a huge amount of payment is charged a long time later. In addition, sometimes a payment amount exceeding or completely different from the amount paid by the user is sometimes generated.

If such a problem occurs, it is very difficult for the user to solve it in his / her home country after returning, since it must be investigated at the travel destination or request compensation. Therefore, due to these difficulties, the user rarely uses a credit card except for a place where the user can use the service securely.

Therefore, a payment method that can be conveniently used as a payment method in the country in the overseas travel destination is urgent.

As described above, an example of a tourist card that can be paid when purchasing a variety of services or goods at a travel destination is disclosed in [Republic of Korea Patent Publication No. 10-2002-0076406 (October 11, 2002), "Service system and method using RFIC tourist card and its program. Recording medium storing a source "] (hereinafter, referred to as Prior Art 1). The prior art 1 relates to an RFIC tourism card that allows a single card to use services such as finance, communication, transportation, shopping, and performance viewing.

Specifically, the prior art 1 is an RF IC tourism card with a built-in RF chip and a credit card and prepaid card function, domestic and foreign financial institutions, credit card companies, public transport / telecommunications facilities and service companies in cooperation with, RF Disclosed is a service system using RFIC tourism card that includes a payment server that supports payment of the partner's use amount with IC tourism card. In particular, the prior art 1 provides a function that can be fully refunded for the remaining balance if the sales slip even if stolen or lost.

In addition, another example of a tourist card that can be paid at a travel destination is [publication of Korea Patent Publication No. 10-2004-0019659 (2004.3.6.), "Tourism membership card combined electronic money and payment system using the same"] (hereinafter, prior art 2) ) Is disclosed. The prior art 2 is capable of financial transactions of personal information inquiry, credit card, prepaid card and debit card on / offline from one card by using the RFIC chip, and condominium, ski resort, The present invention relates to a tourism function membership card combined electronic money and a payment system using the same that can check membership without issuing a separate membership card at a hotel.

In detail, the prior art 2 has a photo area on which a user's picture is transferred is formed on a surface, and a semiconductor chip for forming a data storage area including credit card and cash card information, membership information for tourism, and royalty information. The present invention discloses a configuration of an electronic money formed in the bank, a commercial terminal for inquiring and charging a card and recording royalties using the same, and a settlement server for calculating the amount of money used for the electronic money.

However, the prior arts 1 and 2 are only universal cards that combine functions such as credit cards and prepaid cards using RF chips. The prior art 1 has a built-in RF chip may have a low risk of copying when stolen or lost, but there is a problem that the RF chip is not impossible to copy at all, and the payment method used as the RF chip is not universalized. That is, since most merchants of credit or prepaid cards do not have a card payment terminal that recognizes an RFIC card, it is not easy to use a RFIC tourism card universally.

Therefore, tourist cards that are convenient for travelers in foreign destinations like their own credit cards based on their credit, but without fear of illegal copying or misuse due to theft or loss, are urgently needed.

An object of the present invention is to solve the problems described above, by issuing a tourism card based on the user's passport number and credit card, but limited the credit limit, expiration date, use area, etc., only during the travel period It is to provide a tourism card issuance and payment system and method for issuing and paying tourist cards that can be used.

In order to achieve the above object, the present invention relates to a tourism card issuance and payment system, which includes the user's credit card card information from the card issuing terminal, credit limit information including the credit card and expiration date of the tourism card, and the tourism. Issuing information receiving unit for receiving a card issuing request; A credit inquiry unit for inquiring the credit of the user credit card to the card company server of the credit card; An issuing approval unit which checks whether the credit of the credit card accepts the credit of the credit limit information and approves the issuing request if the credit is accepted; A card limit determining unit which receives a payment request for the tourist card from a card payment terminal and determines whether the requested payment is accepted in the credit of the credit limit information; A card payment request unit for charging the card company server for the payment amount of the requested payment, if it is determined that the credit limit is included in the credit; If the payment amount is approved, characterized in that it comprises a card payment approval unit for approving the payment request of the tourist card.

In addition, the present invention is a tourism card issuing and payment system, the issuing information receiving unit receives the card information of the user's tourism card, the issuing approval unit is available to use the card information of the tourism card, if the issuing request It is characterized by registering with a tourist card.

In addition, the present invention is a tourist card issuing and payment system, the issuing information receiving unit is characterized in that for receiving and storing a copy of the user's passport and tourism card agreement.

In addition, the present invention is a tourist card issuance and payment system, the credit restriction information is characterized in that it further comprises a usage area.

In addition, the present invention is a tourism card issuance and payment system, wherein the card limit determination unit, the accumulated amount of payment or payment request with the tourist card is within the credit limit, the date of claim of the payment request is the expiration date of the credit limit information Previously, if the billing region of the payment request is included in the region of use of the credit restriction information, it is determined that the payment request is accepted in the credit of the credit restriction information.

In addition, the present invention relates to a card issuing terminal, a card payment terminal, a card company server of the credit card is connected to the network, the tourism card issuing and payment method of the system for issuing and paying the tourism card based on the user's credit card, (a) receiving a request for issuing the tourism card from the card issuing terminal together with credit card information of the user and credit restriction information including the credit limit and the expiration date of the tourism card; (b) inquiring the credit card of the user credit card from the card company server of the credit card; (c) confirming that the credit of the credit card accepts the credit of the credit restriction information, and if so, approving the issuance request; (d) receiving a payment request of the tourist card from a card payment terminal, and determining whether the requested payment is accepted in the credit of the credit limit information; (e) if it is determined that the credit is included in the step (d), charging the card company server for the payment amount of the requested payment; (f) If the payment amount is approved, characterized in that it comprises the step of approving the payment request of the tourist card.

In addition, the present invention is a tourist card issuance and payment method, the step (a) receives the card information of the user's tourist card, the step (c), if the issuing request is approved, the card of the tourist card The information may be registered as an available tourist card.

In addition, the present invention is a tourist card issuance and payment method, step (a) is characterized in that for receiving and storing a copy of the user's passport and tourism card agreement.

In addition, the present invention is a tourist card issuing and payment method, the credit restriction information is characterized in that it further comprises a restricted area.

In addition, the present invention is a tourist card issuance and payment method, step (d), the accumulated amount of payment or payment request with the tourist card is within the credit limit, the billing date of the payment request is the period of use of the credit limit information In the past, if the billing region of the payment request is included in the region of use of the credit restriction information, it is determined that the payment request is accepted in the credit of the credit restriction information.

The present invention also relates to a computer-readable recording medium recording a tourism card issuance and payment method.

As described above, according to the tourism card issuing and payment system and method according to the present invention, the user uses a tourist card credit card that can be used only within a certain amount of money for a certain period of time only in the destination, illegal copying of the credit card, etc. This frees you from the dangers of being able to use your credit card function safely in foreign destinations.

In addition, according to the tourism card issuance and payment system and method according to the present invention, even if a user loses or stolen the tourist card, the damage is only limited by the credit limit, the travel date has passed, or cannot be used outside the travel destination. The effect that can minimize is obtained.

In addition, according to the tourism card issuance and payment system and method according to the present invention, by making a tourism card in advance and allowing the user to register and use the passport number as the card information, when the user enters the passport (passport number) or By signing, etc., the effect that can be issued immediately after authentication is obtained.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described in detail with reference to the drawings.

In addition, in describing this invention, the same code | symbol is attached | subjected and the repeated description is abbreviate | omitted.

First, the configuration of the entire system for implementing the tourism card issuance and payment system and method according to the present invention will be described with reference to FIG.

As shown in Figure 1, the entire system for implementing the present invention is composed of a card issuing terminal 40, a card payment terminal 50, issuing and payment system 60, card company server 80. In addition, they are connected to the Internet 31 or a value added network (VAN) 32. In addition, a database 70 for storing necessary data may be further configured.

The card issuing terminal 40 is a terminal for issuing tourist cards and is installed in an airport or a travel agency. The person using the card issuing terminal 40 is mainly a travel agent or a tourist card issuer. Hereinafter, these will be referred to as issuers.

The card issuing terminal 40 is a computer terminal capable of performing a function of issuing a tourism card. The card issuing terminal 40 is a terminal provided with a program capable of performing an issuing function and a communication function with a computer function such as a PC and a notebook computer.

Preferably the tourist card 20 is a magnetic card like a normal credit card. That is, the tourist card 20 is preferably configured of a structure such as a conventional credit card or debit card. However, it can also be used as a credit card using a semiconductor chip such as RFIC. Tourist cards are issued in advance and stored at the card issuing place. That is, the card number and the like are stamped on the credit card, and the necessary basic matters are recorded on the magnetic.

The user (or traveler) 10 may be issued a tourist card at the site where the user (or traveler) enters the travel destination. At this time, the traveler authenticates himself with his passport and signature. That is, the issuing officer authenticates the traveler with the traveler's passport and issues a tourist card based on the traveler's credit card.

The issuing person receives a copy of the passport from the traveler and obtains a signature on the tourist card 20 contract. The tourist card use contract includes the contents of the point that payments made by the tourist card are paid by the tourist's credit card, and that the payment information, such as the sign at the time of using the tourist card, is replaced with the payment information of the credit card.

The issuing officer requests for issuance by limiting the credit limit, expiration date, and usage area of the tourist card. This is called credit restriction information. However, credit restriction information must be accepted for credit card credit. For example, if the credit limit of a credit card is 3 million won, the credit limit of a tourist card should be set within 3 million won. If the traveler wants to use up to 1 million won, the credit limit is requested to 1 million won, and the issuing officer sets the credit limit of the tourist card with the requested amount.

The issuer shall limit the expiration date and the area of use to the tourist's travel period (or travel period) and the tourist destination (or destination). In addition, if the traveler (or user) wishes, the issuer can adjust the expiration date or usage area. However, the expiration date and use area should be limited to the tourist period and tourist destination. It is unfavorable for tourist card issuers to set the expiration date shorter than the tourist period, and it is not suitable for the purpose of tourist card to set a longer expiration date.

The issuer is using the card issuing terminal 40 to issue credit card information such as credit limit, expiration date, and usage area of the tourist card and credit card information of the credit card to the issuing and payment system 60 through the Internet 31. send. In addition, the person in charge of the issuance scans a copy of the user's passport and a signed contract and transmits it together.

In addition, the issuer selects an unused card from among tourist cards, and transmits the card information of the tourist card to the issuing and payment system 60 together with the card.

If the issuer receives the approval for the tourism card issuing request through the card issuing terminal 40, the issuing person issues the selected tourism card 20 in the field. At this time, the issuer can use the punch and the like to engrave the expiration date or use area on the surface of the tourist card. In this case, the general credit card or debit card can be used up to the month, but in the case of a tourist card, the expiration date can be entered up to the date.

The card payment terminal 50 is a terminal for paying for tourist cards, and is a card terminal for paying a general credit or debit card. That is, since the tourist card 20 used in the present invention can also be a magnetic card, it can be recognized by the card terminal used in the prior art.

When the user pays the tourist card 20 to the card payment terminal 50, the payment request is transmitted to the issuance and payment system 60 through the value-added network (VAN) 32. The payment request includes a payment amount, a payment date, and terminal ID information.

If the issuing and payment system 60 approves the payment request of the tourist card 20, the card payment terminal receives the authorization information through the VAN 32 and processes the payment.

Issuance and payment system 60 is a system for issuing and paying the tourist card 20 is a kind of server. The issuing and settlement system 60 receives the card issuance request from the card issuing terminal 40 and determines whether to issue the card issuance.

As described above, the issuing and settlement system 60 receives the credit card card information of the traveler (or user), the credit limit information of the tourist card, and the card information of the tourist card from the card issuing terminal 40.

The issuing and settlement system 60 inquires the credit of the user credit card to the card company server 80 of the credit card using the credit card card information. Therefore, it is determined whether the credit limit of the requested tourist card is accepted in the credit of the credit card, and the tourist card is issued only if it is accepted.

In particular, the issuing and payment system 60 receives the already created tourist card information and registers the tourist card information together with the credit card information when the issuance requirements of the tourist card are satisfied. That is, the issuing and settlement system 60 issues a tourism card by registering a tourism card that has already been made without making a new tourism card.

At this time, the issuing and payment system 60 registers the tourist card and stores the card information of the tourist card 20, the credit restriction information of the tourist card, the payment information of the credit card, and the like.

In addition, when the tourist card 20 is used for the service or the purchase of goods by the user 10 and the payment is charged, the issuing and payment system 60 receives the payment request information of the issued tourist card. The billing request of the tourist card 20 includes card information, payment amount, billing date, billing area, and the like. In particular, the issuance and settlement system 60 becomes a business agreement with the VAN company, and processes the billing request of the tourism card 20 using the VAN (32).

Preferably, the issuing and payment system 60 obtains billing area information through the VAN 32. The card payment terminal 50 transmits the affiliate store number (or card terminal number) together with the payment information to the VAN 32. Since the VAN 32 holds information on the location of each card terminal, the merchant number of the card payment terminal 50 received along with the billing information is used to determine where the card payment terminal is installed, and to the installed position. Find out where the payment is being made (or where).

When the issuing and settlement system 60 receives the payment request information of the tourist card 20, it determines whether the payment request is accepted in the registered credit limit of the tourist card. That is, it is determined whether the accumulated amount up to the amount charged for the tourist card is within the registered credit limit, and whether the date of billing or the billing area is within the registered expiration date or use area.

If the content of the tourist card 20 exceeds any of the registered credit limit information, the issuing and payment system 60 rejects (or does not approve) the request for payment of the tourist card 20.

If the charges of the tourist card 20 do not exceed all of the registered credit limit information, the issuing and payment system 60 makes a payment to the card company server 80 of the credit card for the amount of the tourist card 20 charged. To claim. At this time, the issuance and payment system 60 charges using the credit card information of the stored tourist card 20.

When the card company server 80 is approved for the payment request of the credit card, the issuing and payment system 60 finally approves the payment request of the tourism card 20. If the card company server 80 does not approve, the issuing and payment system 60 does not finally approve the payment request of the tourist card 20.

When the issuing and settlement system 60 finally approves the request for payment of the tourist card 20, the charge amount is recorded and accumulated in the accumulated amount. In addition, the payment information is stored and stored.

When the travel schedule is over, the user 10 will return to the airport, travel agency office, etc. to return home. The user 10 (or a traveler) may come to a place where the card issuing terminal 40 is installed, return the tourist card 20, and check payment information paid at the travel destination.

Preferably, the issuing officer collects the tourist card 20 and shows the list of payments made at the destination to the user 10. The user 10 signs the payment information list and seals the company confirmation meaning that the issuer is also confirmed. Both the user 10 and the tourist card company copy the confirmed payment information list and keep one copy at both sides.

Thus, the user 10 can check all the payment information paid at the destination before returning home. In addition, according to the payment information list confirmed by both parties, the user 10 may not pay the billing information that is charged other than that which the user 10 confirms.

If the user 10 returns home without returning the tourist card 20, the tourist card 20 can no longer be used since the expiration date of the tourist card 20 is exceeded. Therefore, the user 10 may minimize the damage from the loss or theft of the tourist card 20.

Preferably, when issuing the tourist card 20, the tourist card is returned to the user 10 in a manner of returning the tourist card issuing cost when returned.

The card company server 80 is a server of a general credit card company, and is connected to a value added network (VAN) 32 to approve payment for a credit card payment request.

Next, the configuration of the tourism card issuance and payment system according to an embodiment of the present invention will be described with reference to FIG. 2.

As shown in Figure 2, the tourism card issuing and payment system 60 issuing information receiving unit 61, credit inquiry unit 62, issuance approval unit 63, card limit determination unit 64, card payment request unit 65, the card settlement approval unit 66 is configured.

The issuing information receiving unit 61 receives a request for issuing the tourism card from the card issuing terminal together with the credit card information of the user and the credit limit information including the credit limit and the expiration date of the tourism card. Preferably, the credit restriction information further comprises a usage area.

In addition to the information, the issue information receiving unit 61 further receives card information of the user's tourist card. Preferably, the issuing information receiver 61 further receives and stores a copy of the user's passport and tourism card contract.

The user's credit card card information includes information for requesting payment to the card company server 80 of the credit card. For example, information about the user, the card number of the credit card, the expiration date, and the like.

In addition, a copy of the passport of the receiving user is the data for authenticating the user in the field as described above. The passport contains basic traveler's (or user's) personal information and the date and time of entry and departure, so it is a good source for authenticating the user.

In addition, the copy of the tourism card use contract includes the contents of a contract whose main content is that the user 10 can sign and pay the amount charged by signing and paying with the tourist card 20, using the user's credit card.

The credit inquiry unit 62 inquires the credit card company credit card of the user credit card. The contents of the inquiry include whether the credit card is valid, whether the credit card is issued by the user, the credit limit (or the amount available), the expiration date (or the expiration date), and the like. The information we identify is largely credit and expiration.

Preferably, the credit inquiry unit 62 does not credit the usage area. In general, both credit and debit cards can be used within one country. Therefore, there is no credit limit for the area of use. The question is, can it be used in other countries? If your credit card is affiliated with an internationally accepted credit card company, such as Visa or MasterCard, you can also pay in any location.

The issue approval unit 63 confirms whether the credit of the credit card accepts the credit of the credit restriction information, and if so, approves the issue request.

The issue approval unit 63 approves the issuance request if the credit card is issued by the user and the credit limit and the expiration date of the tourist card are within the credit limit and the expiration date of the credit card.

On the other hand, if the issuing approval unit 63 approves the issuing request, the card information of the tourist card is registered as a usable tourist card.

As described above, since the tourist card is made in advance and issued on-site, the issuance of the tourist card is completed by registering the created tourist card with information such as the passport number of the user. Therefore, the issuance approval unit 63 processes the card information of the tourist card so that it can be used when the issuance request is approved.

Conventionally, when the user 10 applies for card issuance, the card company examines the application for issuance. After the review is completed and the card is approved, the card company issues a new card. That is, a card number of a new card is issued, a new card is made, and sent to the user 10.

On the contrary, the present invention has a tourism card that is already made and registers only the card information of the tourism card in the field and passes the tourism card to the user so that the tourism card can be used immediately.

The card limit determination unit 64 receives the payment request of the tourist card from the card payment terminal, and determines whether the requested payment is accepted in the credit of the credit limit information.

In particular, the card limit determination unit 64 is that the accumulated amount of payment or payment request with the tourism card is within the credit limit, the date of billing of the payment request is before the expiration date of the credit limit information, and the billing area of the payment request is When the credit limit information is included in the usage area, it is determined that the payment request is accepted in the credit of the credit limit information.

If it is determined that the card payment request unit 65 is included in the credit, the card payment request unit bills the card company server.

If the payment amount is approved, the card payment approval unit 66 approves the payment request of the tourist card.

The database 70 is for storing necessary data, and includes a card information DB 71 for storing tourist card information and a payment information DB 72 for storing tourist card payment information. However, the configuration of the database 70 is only a preferred embodiment, and in the development of a specific device, the structure of the database 70 may be configured in a different structure by a database construction theory in consideration of the ease and efficiency of access and search.

Next, a tour card issuance and payment method according to an embodiment of the present invention will be described with reference to FIG. 3.

As described above, the card issuing terminal 40, the card payment terminal 50, the card company server 80 of the credit card and the network (31, 32) are connected, based on the user's credit card tourism card It relates to a tourism card issuance and payment method of the system 60 to issue and pay.

As shown in FIG. 3, the method comprises: (a) from the card issuing terminal 40 together with the credit card information of the user, the credit limit information including the tourist card credit limit and the expiration date, the tourist card 20 Receiving a request for issuing (S11); (b) inquiring the credit of the user credit card to the card company server 80 of the credit card (S12); (c) checking whether the credit of the credit card accepts the credit of the credit restriction information, and if the credit is accepted, approving the issuing request (S13); (d) receiving a payment request of the tourist card from the card payment terminal 50 and determining whether the requested payment is accepted in the credit of the credit limit information (S14); (e) if it is determined to be included in the credit, charging the card company server 80 for the payment amount of the requested payment (S15); (f) If the payment amount is approved, it is divided into the step (S16) of approving the payment request of the tourist card.

In particular, step (a) receives the card information of the user's tourist card, and (c), if the issuing request is approved, the card information of the tourist card is registered as an available tourist card.

In addition, the step (a) receives and stores a copy of the user's passport and tourism card agreement.

On the other hand, the credit restriction information further includes a restricted area.

In addition, in the step (d), the accumulated amount of payment or payment requested by the tourist card is within the credit limit, the date of billing of the payment request is before the expiration date of the credit limit information, and the billing area of the payment request is the credit. If the restricted information is included in the usage area, it is determined that the payment request is accepted in the credit of the credit restriction information.

For the insufficient description of the tourism card issuance and payment method, refer to the description of the tourism card issuance and payment system described above.

In addition, the tourism card has a mileage accumulation and charging function in the card payment terminal 50 registered in the payment system according to the present invention. This has the same function as a normal credit card and transportation card, and a detailed description thereof will be omitted.

As mentioned above, although the invention made by this inventor was demonstrated concretely according to the said Example, this invention is not limited to the said Example, Of course, a various change is possible in the range which does not deviate from the summary.

The present invention issues a tourism card based on a user's credit card but limits the credit limit, the expiration date, the region of use, etc., and issues and pays a tourism card for issuing and paying a tourism card that can be used only during the travel period. Applicable to development.

1 is a view showing the configuration of the entire system for implementing the tourism card issuing and payment system and method according to the present invention.

Figure 2 is a block diagram of the configuration of a tourism card issuing and payment system according to an embodiment of the present invention.

3 is a flowchart illustrating a tourist card issuing and settlement method according to an embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

10: user 20: tourist card

31: Internet 32: Value Added Network (VAN)

40: card issuing terminal 50: card payment terminal

60: Tourist card issue and payment system

61: issuing information receiver 62: credit inquiry

63: issue approval unit 64: card limit determination unit

65: card payment request unit 66: card payment approval unit

70: Database 71: Card Information DB

72: payment information DB 73: member information DB

80: card company server diagram

Claims (11)

An issuing information receiving unit which receives a request for issuing the tourism card together with credit card information of the user from the card issuing terminal and credit limit information including the credit limit and the expiration date of the tourism card; A credit inquiry unit for inquiring the credit of the user credit card to the card company server of the credit card; An issuing approval unit which checks whether the credit of the credit card accepts the credit of the credit limit information and approves the issuing request if the credit is accepted; A card limit determining unit which receives a payment request for the tourist card from a card payment terminal and determines whether the requested payment is accepted in the credit of the credit limit information; A card payment request unit for charging the card company server for the payment amount of the requested payment, if it is determined that the credit limit is included in the credit; If the payment amount is approved, tourism card issuing and payment system, characterized in that it comprises a card payment approval unit for approving the payment request of the tourism card. The method of claim 1, The issue information receiving unit receives the card information of the tourist card of the user, The issuing approval unit, if the issuing request is approved, tourism card issuing and payment system, characterized in that to register the card information of the tourism card as available tourist card. The method of claim 1, The issuing information receiving unit tourism card issuing and payment system, characterized in that for receiving and storing a copy of the user's passport and tourism card agreement. The method of claim 1, The credit restriction information is tourism card issuing and payment system, characterized in that it further comprises a usage area. The method of claim 4, wherein the card limit determination unit, If the cumulative amount of payment or payment requested by the tourist card is within the credit limit, the billing date of the payment request is before the expiration date of the credit limit information, and the billing area of the payment request is included in the area of use of the credit limit information. And determining that the payment request is accepted in the credit of the credit restriction information. In the tourism card issuing and payment method of the system for issuing and paying tourism cards based on the user's credit card, which is connected to the card issuing terminal, the card payment terminal, and the card company server of the credit card, (a) receiving a request for issuing the tourism card from the card issuing terminal together with credit card information of the user and credit restriction information including the credit limit and the expiration date of the tourism card; (b) inquiring the credit card of the user credit card from the card company server of the credit card; (c) confirming that the credit of the credit card accepts the credit of the credit restriction information, and if so, approving the issuance request; (d) receiving a payment request of the tourist card from a card payment terminal, and determining whether the requested payment is accepted in the credit of the credit limit information; (e) if it is determined that the credit is included in the step (d), charging the card company server for the payment amount of the requested payment; (f) if the payment amount is approved, issuing and paying a tourism card, comprising: approving a payment request for the tourism card. The method of claim 6, Step (a) receives the card information of the user's tourist card, In the step (c), if the issuing request is approved, tourism card issuing and settlement method, characterized in that to register the card information of the tourism card as an available tourist card. The method of claim 6, Step (a) is a tourist card issuing and payment method, characterized in that for receiving and storing a copy of the user's passport and tourism card agreement. The method of claim 6, The credit restriction information is tourism card issuance and payment method further comprises a restricted area. The method of claim 9, wherein step (d) If the cumulative amount of payment or payment requested by the tourist card is within the credit limit, the billing date of the payment request is before the expiration date of the credit limit information, and the billing area of the payment request is included in the area of use of the credit limit information. And determining that the payment request is accommodated in the credit of the credit restriction information. A computer-readable recording medium recording the tourist card issuance and payment method of any one of claims 6 to 10.

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