KR20120031285A - Method for transacting by using payroll - Google Patents

Abstract

A transaction method using a salary of the present invention is a transaction method using a salary executed by a terminal device having an IC card reader, wherein the institution that pays the salary of the customer from the IC card of the customer through the IC card reader is provided. If the information identifying the customer is read in the approval server provided, and the amount to be paid by the salary of the institution is determined, the authority request message including the information read from the IC card and the determined amount is generated. Is transmitted to the financial institution server linked with the approval server of, and when the approval message including the approval information about the determined amount is paid by the institution from the financial company server is received, the approval information of the received approval specialist is output, and The information read from the IC card includes information on the card issued to the IC card by the financial institution server. That includes.

Description

Transaction method using payroll {Method for Transacting by using Payroll}

The present invention relates to a transaction method using a salary executed by a terminal device having an IC card reader, wherein the approval server is provided in an institution that pays the salary of the customer from the IC card of the customer through the IC card reader. If the information identifying the customer is read and the amount to be paid by the salary of the institution is determined, the authorization request message including the information read from the IC card and the determined amount is linked with the authorization server of the institution. When the approval message including the approval information is transmitted to the financial institution server and the financial institution server includes the approval information indicating that the determined amount is paid by the institution, the approval information of the received approval sentence is output, and the information read from the IC card. Is a transaction method using a salary including information on a card issued to the IC card by the financial institution server It is about.

The cash service (or loan) service is a loan method extended from a postpaid payment method in which a credit is set within a predetermined limit amount and later the settlement amount is settled, and in accordance with the card agreement in the step of issuing a predetermined card from a card company. In this case, a predetermined amount of credit is loaned through a predetermined card terminal within a predetermined limit amount. In general, the cash service (or loan) service is mainly used for small short-term loan service.

On the other hand, the above cash service (or loan) service provides a small short-term loan service that can be immediately repaid based on the credit rating of the customer, but one customer has a plurality of cards, each cash card service (Or loan) services are eventually transformed into high-cost long-term loan services, and due to the nature of the credit loans to be loaned without any collateral and / or guarantee, interest in the cash service (or loan) chain is set, and the cash If the service (or loan) amount exceeds a predetermined amount that the customer cannot repay immediately, the cash advance (or loan) amount will be overdue, resulting in the customer being unable to repay the debt, The card company includes a fatal problem that the delinquency rate is increased.

However, the above problems of the existing cash service (or loan) service solve the above problems no matter how the existing cash service (or loan) method is supplemented due to the nature of the credit loan that is loaned without a certain collateral and / or guarantee. It is impossible to do. Therefore, in order to overcome the problems of the above cash service (or loan) service, an advanced technology configuration is required to automatically secure a certain collateral or payment guarantee in order to escape the limitation of credit.

Advance is an employee (= customer) who is regularly paid by the company who is paid in advance a predetermined amount from his or her salary to be paid in the next cycle, in which the employee and / or The accounting practitioner prepares a predetermined document such as a bill of intention or draft containing a predetermined amount of the provisional payment, or a statement of insolvency or payment of non-payment, and updates and pays the document in accordance with a predetermined business procedure. The business department has to go through a series of complicated procedures for paying the employee the amount of the unpaid application included in the document and accounting it as a down payment on the company's books.

As there is no relevant law for current provisions, the above provisions are not available at all companies, and even if the provisions are possible according to the company's bylaws, most customers are required to go through such complicated procedures. When this is necessary, the company receives a high interest credit loan (for example, a cash service using a credit card) that can easily cash cash, which is considered as the biggest cause of the increase in creditors.

Thus, in the case where the customer is regularly paid by the company, the customer may be unable to pay through a procedure as simple as that of the credit, and at the company complex business procedures (e.g., at least one or more documents for payment) If it is not necessary to carry out the business procedures for the preparation and payment and the accounting procedures for accounting for the payment of the payment in advance to the company's books, the customer will be able to use cash rather than credit loans to pay cash if necessary. This is expected to significantly reduce the amount of bad credit due to credit loans.

An object of the present invention is a transaction method using a salary executed by a terminal device having an IC card reader, wherein the approval server is provided in an institution that pays the salary of the customer from the IC card of the customer through the IC card reader. In the step of reading the information identifying the customer and determining the amount to be paid by the agency's salary, and the approval request full text generated from the IC card and the determined amount, the approval of the authority Transmitting to the financial institution server interworking with the server and receiving the approval message including the approval information about the determined amount being paid by the institution from the financial institution server; and outputting the approval information of the received approval message. Includes, the information read from the IC card, the card issued to the IC card in the financial institution server Including the information to provide a transaction method using a composed benefit.

A transaction method using a salary according to the present invention is a transaction method using a salary executed by a terminal device having an IC card reader, wherein the organization pays the salary of the customer from the IC card of the customer through the IC card reader. The step of reading the information identifying the customer in the approval server provided in the step of determining the amount to be paid by the salary of the institution, the information generated from the IC card and the approval request generated including the determined amount Transmitting to the financial institution server interworking with the approval server of the institution and receiving the approval message including the approval information about the determined amount being paid by the institution from the financial institution server; and approval of the received approval message. And outputting the information, wherein the information read from the IC card is stored in the financial institution server. Characterized in that it comprises information on the card issued to the IC card.

In the transaction method using the salary according to the present invention, the approval request full text, characterized in that it further comprises information for requesting a financial transaction using a card issued to the IC card to the existing financial company server.

According to the present invention, by providing a payroll loan (or non-payable) service through a cash dispenser that pays a predetermined amount of cash, a customer who is regularly paid from a predetermined company is sound within the amount of money that he or she can fully pay. There is an advantage of receiving short-term cash services (or loans), or deducting directly from the salary.

In addition, the company has the advantage of preventing the balance sheet due to payments from becoming complicated, as well as the prevention of deposit interest loss due to payments.

1 is a diagram showing a preferred functional configuration of a cash dispensing apparatus having a payroll deduction (or non-payable) function in a cash service (or credit loan) process.
2 is a diagram showing a payroll deduction (or non-payable) system according to an embodiment of the present invention.
Figure 3 illustrates a preferred payroll loan (or non-payable) service method according to an embodiment of the present invention.
4 is a diagram showing a preferred method of providing a payroll loan (or non-payable) service in a cash dispenser according to an embodiment of the present invention.
5 is a diagram of a system for providing a payroll loan (or payable) service by interworking with a company server that pays a payroll with a payroll loan (or payable) function.
6 is a diagram showing a payroll deduction (or non-payable) system according to another embodiment of the present invention.
Figure 7 is a diagram of a method of providing a preferred payroll loan (or deductible) service according to another embodiment of the present invention.
Figure 8 is a diagram of a method of providing a preferred payroll loan (or deductible) service according to another embodiment of the present invention.
9 is a diagram of a method of providing a preferred payroll loan (or non-payable) service according to another embodiment of the present invention.
Figure 10 is a diagram of a method of providing a preferred payroll loan (or non-payable) service according to another embodiment of the present invention.
11 is a view showing a preferred method of providing a payroll loan (or non-payable) service in a cash dispenser according to another embodiment of the present invention.
12 is a diagram illustrating a case of using a company name as company identification information according to another exemplary embodiment of the present invention.
13 is a view showing a preferred method of providing a payroll loan (or non-payable) service in a cash dispenser according to another embodiment of the present invention.
14 is a view showing a preferred method for providing a payroll loan (or non-payable) service in a cash dispenser according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to a user's or operator's intention or custom. Therefore, the definition should be based on the contents throughout the present title.

It is to be understood that both the foregoing general description and the following detailed description of the present invention are exemplary and explanatory and are intended to provide further explanation of the invention as claimed. The configuration is omitted as much as possible, and a functional configuration that should be additionally provided for the present invention is mainly described. Those skilled in the art will readily understand the functions of components that have been used in the prior art among the functional configurations that are not shown in the following description, The relationship between the elements and the components added for the present invention will also be clearly understood. For convenience, the card user who is provided with the payroll deduction service through the cash dispenser is called a customer or client.

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

1 is a diagram showing a preferred functional configuration of a cash dispensing apparatus 100 having a payroll deduction (or non-payable) function in a cash service (or credit) process.

Referring to FIG. 1 according to a preferred embodiment of the present invention, the cash dispenser 100 includes a control unit 105, a memory unit 165, a card reader unit 130, a screen output unit 135, and a key input unit 140. And a transaction communication unit 145, a cash payment unit 155, and a cash dispenser 100, a power supply unit 160, and at least one terminal function unit 150.

The control unit 105 controls the overall operation of the cash dispensing apparatus 100 in terms of function configuration, manages the flow of information or data between each component, and provides the cash dispensing apparatus 100 with a payroll deduction (or non-payable). Characterized in that it controls at least one or more components provided, at least one processor and execution memory (for example, registers) and predetermined data including a central processing unit (CPU) / micro processing unit (MPU) in hardware A predetermined electronic function configuration included in the cash dispensing apparatus 100 for a payroll loan (or non-payable) including a bus for inputting / outputting a bus and at least one electronic circuit (or integrated circuit) therefor. Element as shown in the present control unit 105), and also in order to perform a specific function in software. A predetermined program routine and / or program data which are loaded from the predetermined recording medium included in the device 100 into the execution memory and are processed by the processor (and thus, the payroll loan) Or at least one or more routines that constitute a predetermined program recorded on a recording medium provided in the cash dispensing apparatus 100 for the purpose of payment). In particular, the controller 105 includes a predetermined operating system and / or a terminal control program routine for managing the cash dispenser 100 after the cash dispenser 100 is booted by software. .

The memory unit 165 is a storage medium for storing at least one or more information or data required for the control unit 105 to perform a predetermined control function. The memory unit 165 may include a hardware EEPROM (Electrically Erasable and Programmable Read Only Memory) and an FM ( And at least one storage means including a hard disk drive (HDD) and a hard disk drive (HDD), and predetermined program routines and program data required for the control unit 105 to perform a predetermined control function in software. (E.g., data input or output for a program routine to perform a predetermined function).

According to a preferred embodiment of the present invention, the memory unit 165 pays the card cash service (or credit loan) amount to the customer in a company where the customer is in the process of a predetermined cash service (or credit loan). It is preferable to store predetermined interface information for providing a payroll deduction (or non-payable) function, which is characterized by deducting from pay.

Payroll loan (or payable) implementation method according to the present invention, the cash payment device 100 with a payroll loan (or payable) function is linked with the financial company server 200 that issued the card 190 to the customer. To provide a payroll loan (or nonpayable) service and a method of providing the payroll loan (or payable) service in conjunction with the company server 205 that the cash dispensing apparatus 100 pays the customer. Etc., when the cash dispensing apparatus 100 is interlocked with the company server 205, a network accessible by the memory unit 165 (or the cash dispensing apparatus 100) provided in the cash dispensing apparatus 100. Storage medium on the at least one company server 205 access information for the cash dispensing device 100 is connected to the company server 205 paying the customer salaries in association with a predetermined company identification information and stored Being It is preferred.

The card reader unit 130 provides an interface between the card 190 and the cash dispenser 100 to read at least one or more information or data provided on the card 190 for payroll deduction (or non-payment). And an MS reader unit for interfacing an MS (Magnetic Stripe) card based on the ISO / IEC 7810 standard with the cash dispenser 100 and / or a contact IC based on the ISO / IEC 7816 standard. A contact IC reader unit for interfacing the card with the cash dispensing apparatus 100 and / or a contactless IC reader unit for interfacing the contactless IC card based on the ISO / IEC 14443 standard with the cash dispensing apparatus 100.

The MS reader unit is a card reader unit 130 based on ISO / IEC 7810, and includes at least one magnetic head including a predetermined coil, and includes predetermined information (for example, magnetized binary information). When the MS card recorded therein is in close contact with the magnetic head and moves in a predetermined direction (or the magnetic head moves in close contact with the MS card in which predetermined information is recorded), a predetermined electrical signal is loaded into the magnetic head. By using the at least one track (Track) included in the MS of the MS card using a predetermined information or data characterized in that for interfacing to the cash dispenser (100).

The contact IC reader unit is a card reader unit 130 based on ISO / IEC 7816, and includes at least one contact point that makes electrical contact with a chip on board (COB) provided in a contact IC card. It supplies power to the IC chip of the IC card through the contact point, and cashes predetermined information or data from the IC chip through the half duplex transaction using an APDU (Application Protocol Data Unit). It is characterized in that the interface to the payment device (100).

The non-contact IC reader unit is a card reader unit 130 based on ISO / IEC 14443. At least one of the non-contact IC card is in contact with the non-contact IC card by using capacitive coupling and / or inductive coupling. The antenna includes the above antenna, and supplies power to the IC chip of the IC card through the antenna, and cashes predetermined information or data from the IC chip through the half duplex transaction using an APDU. It is characterized in that the interface to the device 100.

The screen output unit 135 is previously defined to be output from the cash dispenser 100 by a control unit 105 to a predetermined screen output means including a liquid crystal display (LCD) and / or a cathode ray tube (CRT). Or outputting at least one information or data which is defined in real time, and information or data which are predefined to be output on the screen by the cash dispensing apparatus 100 include key data input through the key input unit 140; It includes information stored or generated by the components provided in the cash dispensing apparatus 100, information transmitted and received through the transaction communication unit 145, data corresponding to a predetermined operation result performed by the cash dispensing apparatus 100. It is done by

According to the present invention, the screen output unit 135 is based on predetermined interface information stored in the memory unit 165 during a predetermined cash service (or credit loan) process using the cash dispenser 100. It is characterized in that for outputting a predetermined payroll deduction (or non-payable) interface screen to a predetermined screen output means provided in the cash dispensing apparatus (100).

According to a preferred embodiment of the present invention, the payroll loan (or nonpayable) interface screen to pay cash to the customer through a conventional cash service (or credit loan) method, or payroll loan (or payable) method It is preferable to provide a user interface (User Interface) for selecting or determining whether to pay cash to the customer through, through the key input unit 140 provided in the cash dispenser 100 based on the user interface Salary deduction loan (or deductible) selection information and salary deduction loan (or debit) amount is entered.

Key input unit 140 is a terminal operator and / or from a predetermined key input means consisting of a number key (Character Key), a function key (Function Key) and the like to enter a number of keys (character) Alternatively, the user may input corresponding key data generated by clicking a predetermined key to the controller 105, and the controller 105 may input key data input through the key input unit 140. Read and control a predetermined function and / or a predefined task corresponding to the key data in association with at least one component provided in the cash dispenser 100. According to a preferred embodiment, the key input unit 140 is preferably provided in the form of a touch screen on a predetermined screen output means included in the screen output unit 135.

According to the present invention, the key input unit 140 clicks a touch screen on which a menu on a payroll deduction (or non-payable) interface screen output on the screen output unit 135 is output, or on a predetermined interface screen. By generating predetermined key data corresponding to a cursor, a predetermined payroll loan (or credit) deducting the amount of cash service (or credit) of the customer from the salary paid to the customer by the company in which the customer is in service (or (A) provisional information and payroll deductions (or provisional) amounts of money.

The transaction communication unit 145 may perform a transaction function (eg, a cash service (or credit loan) request specialized transaction function between the ATM device 100 and the financial institution server 200) provided in the ATM device 100. Characterized by providing a communication means for the hardware, and includes at least one wired network, including a value added network (VAN), a financial common network or an Asymmetric Digital Subscriber Line (ADSL) and a mobile or wireless data communication network in hardware An external communication device through a network communication unit for providing transactional communication with a server on a wired or wireless network through at least one wireless network and / or a predetermined cable communication port (eg, RS-232c, Universal Serial Bus (USB), etc.). Cable communication unit and / or infrared ray communication, RF (Radio Frequency) communication, Bluetooth (B) providing transactional communication with 180 It includes a local area communication unit that provides a transactional communication with the local area communication device 185 through at least one local area wireless communication including lueTooth, wireless LAN, and Wi-Fi. Communication protocols and communication applications for providing transactional communication.

According to a preferred embodiment of the present invention, the transaction communication unit 145 (more specifically, the network communication unit) is a VAN, a financial common network for a predetermined salary deduction loan (or non-payable) request message generated in the cash dispensing apparatus 100. Or to the financial institution server 200 that issued the card to the customer through at least one or more wired networks including ADSL or the like or at least one wireless network including a mobile communication network or a wireless data communication network, and the financial company server 200. It is desirable to receive a full payroll deduction (or delinquent) approval letter from the bank.

According to another exemplary embodiment of the present invention, the transaction communication unit 145 (more specifically, the network communication unit) may use a VAN, a financial cooperative network, or an ADSL to request a full payroll deduction service request generated by the cash dispensing apparatus 100. A salary to the company server 205 for paying the customer through at least one or more wired network or at least one wireless network including a mobile communication network or a wireless data communication network, and a predetermined salary from the company server 205. It is possible to receive a deduction service authorization.

In addition, when receiving a predetermined salary deduction service approval message from the company server 205 as described above, the transaction communication unit 145 (more specifically, the network communication unit) is a predetermined salary deduction loan (or non-payable) details information. Generates and transmits to the financial company server 200, or transfers a predetermined payroll loan (or provisional) request text to the financial institution server 200 and receives a payroll loan (or provisional) approval text, or the It is possible to send a predetermined deposit withdrawal request message and receive a deposit withdrawal approval message to the financial institution server 200 in which the company account is opened.

When the cash payment unit 155 receives a predetermined payroll deduction loan (or provisional) approval message from the financial company server 200 that issued the card to the customer through the transaction communication unit 145, the payroll loan (or Cash) corresponding to the amount of money is read from the cash loading unit 170 provided in the cash dispensing apparatus 100 and paid to the customer through a predetermined cash discharging unit 175, or the transaction The salary deduction included in the salary deduction service approval message received from the company server 205 and / or the salary deduction service approval message from the company server 205 that pays the salary to the customer through the communication unit 145. If the payroll deduction service is provided to the customer as a result of reading the approval code, paying the customer the cash corresponding to the payroll loan (or non-payable) amount Or a predetermined deposit withdrawal approval message is received from the financial company server 200 corresponding to the company account information received in the payroll deduction service approval message from the company server 205 which pays the customer. In this case, it is characterized in that the cash corresponding to the payroll loan (or non-payable) amount is paid to the customer.

The terminal function unit 150 is a component provided in the cash dispensing apparatus 100 in addition to the components shown in FIG. 1 and / or a component provided in the cash dispensing apparatus 100 for a predetermined purpose or role. Representatively, it includes a secure application module (SAM) and / or a print output unit for printing and printing the receipt. Those skilled in the art to which the present invention pertains will easily understand each terminal function unit 150 provided according to the characteristics of the cash dispensing apparatus 100, and thus a detailed description thereof will be omitted.

Referring to FIG. 1, the cash dispensing apparatus 100 includes a determination unit 125 that performs at least one or more determination functions required in the process of providing a payroll deduction (or non-payable) service to the customer, and the payroll loan. (Or the impossible) The generation unit 120 for generating at least one or more full text and / or information required in the service process, and the financial company server 200 and / or the full text and / or information generated by the generation unit 120 A transmitter 115 for transmitting to the company server 205 and a receiver 110 for receiving at least one message and / or information corresponding to a response of the message and / or information transmitted by the transmitter 115. It is characterized by comprising.

When the determination unit 125 outputs the payroll deduction loan (or non-payable) interface screen to the screen output means provided in the cash dispensing apparatus 100 as shown in FIG. 5 during the cash service (or credit loan) process, the payroll Determining whether a payroll loan (or payable) service is selected from the deduction loan (or payable) interface; and / or when a predetermined payroll service approval message is received from the company server 205, The payroll approval code included in the payroll deduction service approval message may be read to determine whether the company server 205 has approved the payroll loan (or non-paid) service to the customer.

The generation unit 120 is input through the key input unit 140 of the cash dispensing apparatus 100 (eg, a screen output unit) when the salary deduction loan (or non-payable) service is selected as a result of the determination by the determination unit 125. Numerical key data corresponding to the cursor of the interface screen for payroll loans (or billables) outputted to 135 is input) or selected (for example, a plurality of payroll loans (or billables) output to the screen output unit 135). Select a predetermined amount from the amount menu, and generate a full payroll loan (or delinquent) request full text including a payroll deduction (or delinquent) amount and a predetermined deduction service code; and / or As a result of the determination of the determination unit 125, when the payroll deduction loan (or provisional) service is approved in the payroll deduction service approval message received from the company server 205, the claim for the payroll deduction loan (or payable) service It characterized in that the payroll deduction loans (or cash advance) created historical information, or create an account withdrawals from the company requested a professional to draw the amount corresponding to the payroll deduction loans (or cash advance) amount.

According to a preferred embodiment of the present invention, the payroll deduction service code is a card issuer (= financial company) that issued the card 190 to the customer (eg, ATM or CD) installed with the cash dispenser 100. A predetermined code and / or a salary deduction loan to the customer between the terminal provider and the company that pays the customer in advance to provide a payroll loan (or non-payable) service to the customer. Or impossible) corresponds to a predetermined code promised to provide a service.

According to a preferred embodiment of the present invention, the payroll deduction service code is transferred to the conventional specialized reserved area (Reserved) transmitted from the cash dispenser 100 to the financial company server 200 and / or the company server 205. It may be added, or may be defined in a new payroll loan (or billable) request text for a payroll loan (or billable) service between the card issuer (financial company) and / or the company and the terminal provider.

The transmission unit 115 transmits the salary deduction loan (or provisional) request text and / or salary deduction loan (or provisional) detail information generated by the generation unit 120 to the customer through the transaction communication unit 145. The financial company server 200 having the company account opened through the transaction communication unit 145 or transmitting the full-text deposit withdrawal request generated by the generation unit 120 to the financial company server 200 that issued the card 190. And / or to the company server 205 that pays the salary to the customer through the transaction communication unit 145 the payroll deduction service request message generated by the generation unit 120 and / or Characterized in that the transmission.

The receiving unit 110 from the financial company server 200 that issued the card 190 to the customer through the transaction communication unit 145 through the payroll loan (or non-payable) request for a payroll deduction loan (or non-payable) Receive the approval message, or from the financial company server 200 has opened the company account through the transaction communication unit 145 characterized in that for receiving the deposit withdrawal approval message corresponding to the deposit withdrawal request message, and / or The salary deduction service approval message corresponding to the salary deduction service request message is received through the transaction communication unit 145 from the company server 205 that pays the salary to the customer.

2 is a diagram showing a payroll loan (or non-payable) system according to an embodiment of the present invention.

More specifically, Figure 2 is a payroll loan (or non-payable) with a cash payment device (100) is provided with a payroll loan (or payable) in conjunction with the financial company server 200 that issued the card 190 to the customer. It's about a system that provides services.

Referring to FIG. 2, the cash dispensing apparatus 100 is a wired / wireless network through at least one wired network including a VAN, a financial common network, or an ADSL, and at least one wireless network including a mobile communication network or a wireless data communication network. The server and the financial company server 200 are connected to a predetermined transaction communication session (eg, a communication session for transmitting and receiving a predetermined message for a financial transaction), and the cash dispensing apparatus 100 uses the card 190. A cash dispenser (ATM) and / or a cash dispenser (CD) and / or a kiosk that pays certain cash.

According to a preferred embodiment of the present invention, between the financial company that issued the card 190 to the customer and the company paying the salary to the customer, the customer provides a cash service (or credit loan) through a predetermined cash dispenser 100. In the process of receiving), it is preferable to cooperate with a payroll deduction service that deducts the cash service (or credit loan) amount from the pay paid by the company to the customer. As a result, the financial institution server 200 receives a predetermined payroll loan (or nonpayment) request message including a predetermined payroll loan (or nonpayment) amount from the cash dispensing apparatus 100. Or payable) allow the cash dispensing apparatus 100 to pay an amount corresponding to the payroll loan (or payable) amount to the customer through an approval text, and settle the payroll loan (or payable) amount from the company. Will be processed.

Figure 3 illustrates a preferred payroll deduction (or non-payable) service method according to an embodiment of the present invention.

Referring to FIG. 3 according to an embodiment of the present invention, the financial company and the customer who issued the card 190 to the customer before a predetermined payroll deduction (or non-payable) service is started in the cash dispensing apparatus 100. A company that pays a predetermined salary to a payroll deduction service business alliance for deducting the cash service (or credit loan) amount of the customer from the payroll paid to the customer by the financial institution server (in the process) 200, predetermined information (for example, card information issued to a customer by a financial company) for identifying a customer who is in the company and receives a predetermined salary among a plurality of customers is stored.

In a state where a payroll deduction service is affiliated between a financial company and a company as described above, the customer pays the financial company server 200 (eg, the financial company server 200 that issues the card 190 to the customer, or the customer). Request a payroll loan (or non-payable) service through a predetermined cash dispensing device 100 in which a transaction communication session is connected to a financial company server 200 to which a paying company and a payroll deduction service business are affiliated. When the card 190 is inserted into the cash dispensing apparatus 100 and requests a payroll deduction loan (or non-payable service), the cash dispensing apparatus 100 generates a predetermined payroll deduction loan (or debitable) request message. The financial company server 200 reads the payroll loan (or provisional) request text and determines whether to approve the payroll loan (or provisional) requested by the customer, and determines the determination result. small Definition Payroll deduction (or payment) is included in the approval text and sent to the cash dispenser 100.

When the payroll loan (or nonpayable) approval letter is received as described above, the cash dispensing apparatus 100 reads the payroll loan (or payable) approval letter and pays the payroll loan (or payable) amount to the customer. And paying the payroll loan (or non-payable) amount to the customer as a result of the determination, the amount corresponding to the payroll loan (or payable) amount among the cash loaded in the cash dispensing apparatus 100; Pay to the customer.

As described above, when the cash dispensing apparatus 100 pays the customer the cash corresponding to the payroll deduction (or deductible) amount, the financial institution server 200 generates predetermined payroll deduction (or depayment) details. To the company server 205, and the company server 205 settles the payroll loan (or nonpayment) of the customer to the financial company server 200 based on the payroll loan (or nonpayable) detail information. Then, the salary deducted from the settlement amount is paid to the customer.

4 is a view showing a preferred method of providing a payroll loan (or non-payable) service in the cash dispensing apparatus 100 according to an embodiment of the present invention.

In more detail, FIG. 4 illustrates a case in which a predetermined cash service (or credit loan) service is provided through a cash dispensing apparatus 100 linked with a financial company server 200 that issues a card 190 to the customer. As shown in FIG. 5, a request is made for a payroll loan (or nonpayable) service on the basis of an interface screen for payroll loan (or payable) provided in the cash dispensing apparatus 100.

According to a preferred embodiment of the present invention, a customer having a card 190 issued by a predetermined financial company inserts the card 190 into a predetermined card reader unit 130 provided in the cash dispensing apparatus 100, The payroll loan (or non-payable) service is started by reading the predetermined card information 400 from the card 190 of the customer in the cash dispensing apparatus 100.

When predetermined card information is read from the customer's card 190 as described above (400), the cash dispenser 100 extracts predetermined interface information stored in the memory unit 165 and based on the interface information, FIG. The interface screen for payroll loans (or non-payable) is output (405).

Referring to FIG. 5, an interface (eg, a credit card settlement account) for providing an account (eg, a credit card settlement account) associated with the card 190 of the customer is shown on the left side of the payroll loan (or non-payable) interface screen. , “Deposit Withdrawal”, “Deposit Deposit”, “Account Transfer”, “Transaction Inquiry”, “Transaction After Inquiry”, etc.) are output, and in the upper right side of the interface screen for payroll loan (or non-payable) A credit debit interface (e.g., "cash service", "credit loan") for credit service and a payroll debit (or non-payable) interface for payroll deduction service of the cash service (or loan) amount proposed by the present invention (e.g. , “Payroll deduction” is output, and the lower right side of the screen is an additional service interface for the card 190 (eg, “report card loss”, “utility / tuition”, etc.). Is output.

With the payroll loan (or nonpayable) interface screen output as described above, the cash dispensing apparatus 100 selects a payroll loan (or payable) service from the payroll loan (or payable) interface screen. For example, it is determined whether payroll loan (or non-payable) selection information is input) (410).

If the payroll loan (or payable) service is not selected from the payroll loan (or payable) interface screen (eg, if a transaction history inquiry service is selected) (415), the cash dispenser 100 connects the interface. A predetermined financial transaction corresponding to the selected financial service is provided through the screen (420).

On the other hand, if the payroll loan (or payable) service is selected from the payroll loan (or payable) interface screen, the cash dispensing apparatus 100 is a salary input based on the payroll loan (or payable) interface screen The deductible loan (or deductible) selection information and / or the payroll deduction (or deductible) amount are read (425).

As described above, when the payroll loan (or payable) selection information and / or payroll loan (or payable) amount are read (425), the cash dispensing apparatus 100 is the payroll loan (or payable) amount and the cash Generate a payroll loan (or payable) request full text including a predetermined payroll deduction service code for providing a payroll loan (or payable) service between the payment apparatus 100 and the financial institution server 200 ( 430), after transmitting the generated payroll loan (or non-payable) request message to the financial institution server 200 through at least one wired or wireless network (435), a predetermined salary deduction from the financial institution server 200 Wait for the loan (or provisional) approval message to be received (440).

If the payroll loan (or delinquent) approval message is received from the financial institution server 200 (445), the payroll loan (or payable) approval message is read and the payroll loan (or payable) amount is read to the customer. It is determined whether to pay the corresponding cash (450).

If the payroll loan (or non-payable) approval statement reads that the cash corresponding to the payroll loan (or non-payable) amount is not paid to the customer (455), the cash dispensing apparatus 100 may be used by the customer. Terminate the requested payroll loan (or deductible) service.

On the other hand, if the payroll loan (or non-payable) approval specialist reads the cash corresponding to the payroll loan (or non-payable) amount to the customer (455), the cash dispensing apparatus 100 is a cash loading unit 170 In step 460, the cash corresponding to the payroll loan (or non-payable) amount is read and paid to the customer through the cash discharging unit 175.

6 is a diagram showing a payroll deduction (or non-payable) system according to another embodiment of the present invention.

More specifically, Figure 5 provides a payroll loan (or payable) service in conjunction with the company server 205 that pays the customer a cash payment device 100 with a payroll loan (or payable) function is provided. It is about the system.

Referring to FIG. 5, the cash dispensing apparatus 100 is a wired / wireless network through at least one wired network including a VAN, a financial common network, or an ADSL, and at least one wireless network including a mobile communication network or a wireless data communication network. It is provided with a function of connecting a predetermined communication session with the server of the server and the company server 205.

According to a preferred embodiment of the present invention, the customer provides a cash service (or credit loan) between the company paying the customer and the financial company that issued the card 190 to the customer. In the process of receiving), it is preferable to cooperate with a payroll deduction service that deducts the cash service (or credit loan) amount from the pay paid by the company to the customer.

According to another embodiment of the present invention, there is no need for a business partnership for payroll deduction service between the company paying the customer and the financial company that issued the card 190 to the customer. There may be a predetermined business partnership between the cash dispensing apparatus 100 (eg, the terminal supplier).

In particular, when a predetermined business alliance is established between the company paying the customer and the cash dispensing apparatus 100 (eg, a terminal supplier), the customer uses the card 190 to deduct a payroll loan (or non-payment). ) When the service is requested, the cash paid to the customer may be paid to the customer directly from the company account of the bank server 600 opened in the company transaction bank.

7, 8, 9, and 10 illustrate a preferred payroll loan (or non-payable) service method according to another embodiment of the present invention.

In more detail, Figures 7, 8, 9, and 10 are shown in conjunction with the company server (205) that the cash dispensing device (100) equipped with a payroll loan (or non-payable) function pays the customer the salary. In the case of providing a deduction loan (or debitable) service, it relates to a payroll deduction (or debitable) service method using the cash dispensing apparatus 100.

In particular, Figures 7 and 8 is based on the salary deduction approval code included in the received salary deduction service approval message when the salary deduction service approval message is received from the company server 205 to the cash dispensing apparatus 100; A service method of paying a payroll deduction (or nonpayable) amount to the customer in the cash dispensing apparatus 100, and before a predetermined payroll debit (or payable) service is started by the cash dispensing apparatus 100. Salary for deducting the cash service (or credit loan) amount of the customer from the salary paid to the customer between the financial company that issued the card 190 to the customer and the company that pays the predetermined salary to the customer. A deduction service business is affiliated, and a payroll deduction loan (or non-payment) is established between the financial company and the cash dispensing apparatus 100 (eg, a terminal supplier). A free partnership (e.g., a business partnership for a payroll deduction service code included in the full payroll loan (or payable) request) is required. In particular, the payroll loan (or payable) service method of FIGS. In the case of affiliated to provide a payroll loan (or non-payable) service to the customer by the payroll deduction approval of the company server 205 in the business process of payroll deduction service.

In the state where the work for the payroll deduction service is affiliated as described above, the cash dispensing apparatus 100 generates a predetermined payroll deduction service request message by the customer's request and approves the payroll deduction service to the company server 205. Request, the company server 205 approves the payroll deduction service requested by the customer based on the salary paid to the customer, and generates a payroll deduction service approval message including a predetermined payroll deduction approval code. Transfer to the cash dispensing apparatus 100.

When the payroll deduction service approval letter is received as described above, the cash dispensing apparatus 100 reads the payroll deduction code included in the payroll deduction service approval letter and pays the payroll loan (or non-payable) amount to the customer. And when the payoff loan (or non-payable) amount is paid to the customer as a result of the determination, the amount of money corresponding to the payroll loan (or non-payable) amount among the cash stored in the cash dispensing apparatus 100 is determined by the customer. Pay to.

After the payroll loan (or unpaid) amount is paid to the customer in the cash dispensing apparatus 100 as described above, in the case of FIG. 7, the company server 205 generates predetermined payroll deduction (or unpaid) detail information. The financial institution server 200, and in the case of Figure 8 generates a predetermined salary deduction loan (or non-payable) details information in the cash dispensing apparatus 100 and transmits to the financial institution server 200, the salary deduction loan The company calculates the payroll loan (or non-payable) amount of the customer to the financial company based on the (or non-payable) historical information.

In addition, FIG. 9 illustrates a case in which the salary deduction service approval specialist receives from the company server 205 to the cash dispensing apparatus 100 and when the salary deduction service is approved in the company server 205, the cash dispensing apparatus 100. In the payroll deduction service to create a payroll loan (or non-paid) request message that includes a payroll deduction authorization code included in the full text is sent to the financial company server 200 that issued the card 190 to the customer to the customer A service method for paying a payroll loan (or nonpayment) amount, wherein a payroll deduction service work is performed between the financial company and the company before a predetermined payroll loan (or payable) service is started by the cash dispensing apparatus 100. Are affiliated with the financial institution and the cash dispensing apparatus 100, the payroll loan (or non-payable) business is affiliated, in particular the payroll loan (or payable) of Figure 9 The service method transmits the payroll deduction approval result of the company server 205 to the banking company server 200 in a payroll deduction service business cooperation process between the financial company and the company to provide the payroll loan (or non-payable) service to the customer. For when affiliated to provide.

In the state where the work for the payroll deduction service is affiliated as described above, the cash dispensing apparatus 100 generates a predetermined payroll deduction service request message by the customer's request and approves the payroll deduction service to the company server 205. Request, the company server 205 approves the payroll deduction service requested by the customer based on the salary paid to the customer, and generates a payroll deduction service approval message including a predetermined payroll deduction approval code. The cash dispensing apparatus 100 transmits to the cash dispensing apparatus 100, when the company server 205 approves the payroll deduction loan (or non-payable) service to the customer as a result of reading the salary deduction approval code. Generates a predetermined salary deduction loan (or non-payable) request message including a salary deduction approval code and transmits it to the financial institution server 200, and the financial institution server 200. And transmits it to the payroll deduction loans (or cash advance) the cash payment device 100 to generate a predetermined payroll deduction loans (or cash advance) approved professional approved for the customer.

When the payroll loan (or nonpayable) approval letter is received as described above, the cash dispensing apparatus 100 reads the payroll deduction code included in the payroll loan (or payable) approval letter and pays the payroll loan to the customer ( Or payable) amount, and when the payoff loan (or nonpayable) amount is paid to the customer as a result of the determination, the payroll loan (or payable) among the cash stored in the cash dispensing apparatus 100. The amount corresponding to the amount is paid to the customer, and the payroll loan (or non-payable) amount paid to the customer is paid and settled from the company to the financial company server 200.

In addition, FIG. 10 illustrates that when the payroll deduction service approval specialist receives the payroll deduction service from the company server 205 and the payroll deduction service is approved at the company server 205, the cash payer 100. The service method for withdrawing the amount corresponding to the payroll deduction loan (or non-payable) amount from the company account opened in the bank server 600 of the company transaction bank to pay to the customer, the card 190 to the customer There is no need to have a business partnership between the financial company that issued) and the company paying the customer, but the payroll loan (or non-payable) business is affiliated between the cash dispensing apparatus 100 and the company. Payroll deduction (or nonpayment) service method of 10 is a payout to pay to the customer in the process of the payroll deduction service business partnership between the company cash dispenser 100 The amount deductible loans (or cash advance) is for the case to directly withdraw from the company accounts provided to the bank server (600) of the company's bank known to the Affiliates to provide the payroll deduction loans (or cash advance) services.

In the state where the work for the payroll deduction service is affiliated as described above, the cash dispensing apparatus 100 generates a predetermined payroll deduction service request message by the customer's request and approves the payroll deduction service to the company server 205. The company server 205 approves the payroll deduction service requested by the customer based on the salary paid to the customer, and the predetermined payroll deduction approval code, the predetermined company account information, and the deposit withdrawal information (for example, Payroll deduction service approval message including a card information associated with the company account) is generated and transmitted to the cash dispensing apparatus 100, the salary deduction approval code reads the company server 205 to the customer salary If the deduction loan (or delinquent) service is approved, the cash dispensing apparatus 100 includes the company account information and depositor included in the payroll deduction service approval message. Generate a predetermined deposit withdrawal request message including the information and the payroll deduction (or unpaid) amount and transmits to the bank server of the company bank.

According to a preferred embodiment of the present invention, when a predetermined deposit withdrawal request message including the company account information and the deposit withdrawal information is received from the cash dispensing apparatus 100, the bank server of the company transaction bank requests the deposit withdrawal request. The full text is regarded as requested by the company, and the bank server 600 withdraws the amount corresponding to the payroll deduction (or delinquent) amount from the company account to the customer through the cash dispenser 100. Generates a predetermined deposit withdrawal approval approval letter to approve payment and transmits it to the cash dispenser 100.

When the deposit withdrawal approval message is received as described above, the cash dispensing device 100 reads the deposit withdrawal approval message to determine whether to pay the payroll deduction loan (or non-payable) amount to the customer, and as a result of the determination, to the customer. In the case of paying a payroll loan (or nonpayable) amount, the amount of money corresponding to the payroll loan (or payable) amount among the cash loaded in the cash dispensing apparatus 100 is paid to the customer.

11 is a view showing a preferred method for providing a payroll loan (or non-payable) service in the cash dispensing apparatus 100 according to another embodiment of the present invention.

In more detail, FIG. 11 illustrates a case in which a cash service (or credit loan) service is provided through a cash dispensing apparatus 100 capable of connecting a communication session with a company server 205 that pays the customer. As shown in Fig. 12, a payroll loan (or payable) service is selected based on an interface screen for payroll loan (or payable) provided in the cash dispensing apparatus 100 as shown in FIG. The company paying the salary to the company and receiving approval from the company server 205 to provide the payroll deduction service to the customer.

According to another exemplary embodiment of the present invention, FIG. 11 selects a payroll loan (or payable) service based on an interface screen for payroll loan (or billable) provided in the cash dispensing apparatus 100 as shown in FIG. And a predetermined salary deduction loan (or non-payable) amount, the cash dispensing apparatus 100 outputs the company selection user interface screen on the cash dispensing apparatus 100 screen as shown in FIG. It is determined whether the company identification information is input through (1100).

Figure 12 corresponding to the preferred company selection user interface of the present invention is for the case of using a company name as the company identification information, the company selection user interface of Figure 12 is the initial consonant of the company name as shown in Figure 12 (a) Select Hangul Neutral of Company Name as shown in (B) of Figure 12, select Hangul Finality of Company Name as shown in (C) of Figure 12, and select the first of the company name as (D) of Figure 12. The preferred case is for the customer to select a company name from among a plurality of company names with the same syllable. Of course, in addition to the company identification information input method as shown in FIG. 12, various implementation methods (for example, based on the card information stored in the storage medium on the network and read from the cash dispenser 100 after the company identification information associated with the card information). It is apparent that there may be a method selected automatically), and the present invention is not limited by the company identification information input method.

If the company identification information of the customer is input (1105), the cash dispenser 100 extracts the company server 205 connection information stored in the memory unit 165 in association with the company identification information. (1110). Of course, the company server 205 connection information associated with the company identification information may be stored in a storage medium on the network.

When the company server 205 connection information is extracted as described above (1110), the cash dispensing apparatus 100 generates a payroll deduction service request message to be transmitted to the company server 205 (1115), the generated payroll deduction After transmitting the full service request message to the company server 205 (1120), it waits whether a salary deduction service approval message is received from the company server 205 (1125).

If the salary deduction service approval message including a predetermined salary deduction approval code is received from the company server 205 (1130), the cash dispensing apparatus 100 includes the salary deduction approval code included in the salary deduction service approval letter. In operation 1135, the company server 205 determines whether the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is approved from the company server 205.

If the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is not approved from the company server 205 (1140), the cash dispensing apparatus 100 outputs a predetermined payroll deduction service error message. In step 1145, the process of paying the payroll loan (or non-payable) amount requested by the customer ends.

On the other hand, if the payroll deduction service (1140) for the payroll loan (or unpaid) amount requested by the customer from the company server 205 is approved (1140), the cash dispensing apparatus 100 requests the payroll loan (or payable) requested by the customer. Pays cash corresponding to the amount (1150), and generates predetermined payroll loan (or non-payable) details of the payroll loan (or payable) service and transmits it to the financial company server 200 (1155). .

According to another embodiment of the present invention, the payroll loan (or payable) history information is made between the company server 205 and the financial company server 200 (for example, payroll loan (or payable) as shown in Figure 7) In the case of the service method), the process of transmitting the payroll loan (or non-payable) details information from the cash dispensing apparatus 100 to the financial company server 200 may be omitted.

13 is a view showing a preferred method of providing a payroll loan (or non-payable) service in the cash dispensing apparatus 100 according to another embodiment of the present invention.

In more detail, Figure 13 is another method that is performed after a predetermined salary deduction service request message is transmitted from the cash dispenser 100 to the company server 205 in the payroll deduction (or non-payable) service providing method of Figure 11 It is about the implementation method.

Referring to FIG. 13, after a predetermined salary deduction service request message is transmitted from the cash dispensing apparatus 100 to the company server 205, the cash dispensing apparatus 100 receives a predetermined amount from the company server 205. Waiting for receiving a payroll deduction service approval message including a payroll deduction code (1300).

If the salary deduction service approval message including the predetermined salary deduction approval code is received from the company server 205 (1305), the cash dispensing apparatus 100 includes the salary deduction approval code included in the salary deduction service approval letter. In operation 1310, the company server 205 determines whether the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is approved from the company server 205.

If the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is not approved from the company server 205 (1315), the cash dispensing apparatus 100 outputs a predetermined payroll deduction service error message. And (1320), the process of paying the payroll loan (or non-payable) amount requested by the customer ends.

On the other hand, if the payroll deduction service for the payroll deduction (or unpaid) amount requested by the customer is not approved from the company server 205 (1315), the cash dispensing apparatus 100 is included in the payroll deduction service approval message. After generating a predetermined salary deduction loan (or provisional) request text based on the salary deduction approval code (1325) and transmitting it to the financial institution server 200 (1325), the salary deduction loan (or provisional) from the financial institution server 200 Waiting for a predetermined salary deduction loan (or non-payable) approval letter corresponding to the request message is received (1330).

If the payroll loan (or nonpayable) approval message is received from the financial company server 200 (1335), the cash dispensing apparatus 100 reads the payroll loan (or payable) approval message and reads the payroll to the customer. In operation 1340, it is determined whether to pay cash corresponding to the amount of the deductible loan (or deductible).

If the payroll loan (or nonpayable) approval statement reads that the cash corresponding to the payroll loan (or nonpayable) amount is not paid to the customer (1345), the cash dispensing apparatus 100 pays a predetermined salary. The deduction service error message is output (1320), and the process of paying the payroll loan (or non-payable) amount requested by the customer ends.

On the other hand, if the payroll loan (or non-payable) approval result of the readout, the customer pays cash corresponding to the payroll loan (or non-payable) amount (1345), the cash dispensing apparatus 100 is a cash loader (170) In step 1350, the cash corresponding to the payroll loan (or non-payable) amount is read and paid to the customer through the cash discharging unit 175.

14 is a view showing a preferred method of providing a payroll loan (or non-payable) service in the cash dispensing apparatus 100 according to another embodiment of the present invention.

In more detail, Figure 14 is another method that is performed after a predetermined salary deduction service request message is transmitted from the cash dispenser 100 to the company server 205 in the payroll loan (or non-payable) service providing method of Figure 11 It is about the implementation method.

Referring to FIG. 14, after a predetermined salary deduction service request message is transmitted from the cash dispenser 100 to the company server 205, the cash dispenser 100 receives the company from the company server 205. It waits (1400) for receiving a payroll deduction service approval message including company account information and deposit withdrawal information for a trading bank and / or a predetermined payroll deduction approval code.

If the salary deduction service approval message including the company account information and deposit withdrawal information and / or a predetermined salary deduction approval code is received from the company server 205 (1405), the cash dispensing apparatus 100 receives the salary deduction. The payroll deduction code included in the service approval message is read to determine whether the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is approved from the company server 205 (1410).

If the payroll deduction service for the payroll loan (or non-payable) amount requested by the customer is not approved from the company server 205 (1415), the ATM apparatus 100 outputs a predetermined payroll deduction service error message. In step 1420, the process of paying the payroll loan (or non-payable) amount requested by the customer is terminated.

On the other hand, if the payroll deduction service for the payroll deduction (or unpaid) amount requested by the customer is not approved from the company server 205 (1415), the cash dispensing apparatus 100 is included in the payroll deduction service approval message. Generate a predetermined deposit withdrawal request message for withdrawing the deposit corresponding to the payroll deduction (or non-payable) amount requested by the customer from the company account opened in the trading bank of the company based on the company account information and the deposit withdrawal information. (1425).

When the deposit withdrawal request message is generated as described above (1425), the cash dispensing apparatus 100 transmits the deposit withdrawal request message to the bank server 600 of the company transaction bank (1430), and then from the bank server. Waiting for the deposit withdrawal approval message corresponding to the deposit withdrawal request message is received (1435).

If the deposit withdrawal approval message is received from the financial company server 200 (1440), the cash dispensing apparatus 100 reads the deposit withdrawal approval message and corresponds to the payroll deduction (or non-payable) amount requested by the customer. It is determined whether the cash to be paid (1445).

If the result of the deposit withdrawal approval specialist reads that the cash corresponding to the payroll deduction (or non-payable) amount cannot be paid to the customer (1450), the cash dispensing apparatus 100 receives a predetermined payroll deduction service error message. Output 1420, and ends the process of paying the payroll loan (or non-payable) amount requested by the customer.

On the other hand, if the payroll loan (or non-payable) approval result of the readout, the customer pays the cash corresponding to the payroll loan (or non-payable) amount (1450), the cash dispensing apparatus 100 is a cash loader (170) In step 1455, the cash corresponding to the payroll loan (or non-payable) amount is read and paid to the customer through the cash discharging unit 175.

100: cash dispenser 105: control unit
110: receiver 115: transmitter
120: generation unit 125: determination unit
130: card reader 135: screen output
140: key input unit 145: transaction communication unit
150: terminal function unit 155: payment unit
160: power supply unit 165: memory unit
170: cash loader 175: cash release unit
180: external communication device 185: short-range communication device
190: card

Claims (2)

In the transaction method using a salary executed by a terminal apparatus having an IC card reader,
Reading information identifying the customer in an approval server provided in an organization that pays the salary of the customer from the IC card of the customer through the IC card reader;
Determining an amount to be paid by the salary of the institution;
Transmitting the approval request text including the information read from the IC card and the determined amount to a financial company server linked with the approval server of the institution;
Receiving, from the financial institution server, an approval message including approval information for the payment of the determined amount by the institution; And
And outputting the received approval information of the approval specialist.
And the information read from the IC card comprises information on a card issued to the IC card by the financial institution server.
The method of claim 1, wherein the approval request is
Payroll transaction method characterized in that it further comprises information for requesting a financial transaction using a card issued to the IC card to the financial company server.

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