KR20010000101A - A card management system and method for network-based on - Google Patents

Abstract

PURPOSE: A system and a method of card management are provided to manage a plurality of cards by one registration and to offer information refer to cards. CONSTITUTION: A card management server(30) is connected via computer network to numerous servers of card company(40). Each card company has DB(Data Base) storing information of a card and a customer having the card. A customer registered in the card management server(30) and a card company logs in the server(30) by inputting his or her resident registration number and password. The server(30) transmits a web page for selecting menu items comprising an inquiry of card use result, a card information change and a report of the loss of a card. When the customer selects the "inquiry of card use result", the card management server(30) transmits the inquiry information received from the card company of the customer. When the customer selects the "card information change", the card management server(30) transmits a web page for inputting information to change and information changed to the server of the corresponding card company(40). When the customer selects the "report of the loss of a card", the card management server(30) stores a reported contents to its DB and transmits the reported contents to the server of card company(40) of reported card. The server(40) transmits a result to the card management server(30).

Description

A card management system and method for network-based on

The present invention relates to a network-based card management system and method thereof.

More specifically, the card company server is provided as a member server, the network-based card management system that manages the card through a communication connection with the card company when the user requests for at least one or more cards each user has and its It is about a method.

Recently, with the rapid development of computer system, society is rapidly changing to the information society, and there is a movement of credit card and department store card use by a large number of people, and credit card and department store card use to achieve a transparent economic life. This is the point where it is actively being applied throughout.

The above-mentioned credit card and department store card are payment media issued with the user's credit as collateral, and the user functions the consumer finance that purchases goods or loans cash through the merchant using the credit card and department store card. Have

Accordingly, the user has been used as an important means of credit transactions, such as purchasing goods through a merchant or loaning cash using a plurality of credit cards or department stores cards according to the use purpose or location.

However, there is a hassle that needs to check and synthesize the usage and limits of a large number of credit cards and department store cards independently for each credit card company, and there is a difficulty in managing the comprehensive usage records and limit management for credit transactions. Due to excessive credit transactions, overdue payments were incurred.

In addition, in the event of a change of personal identity or the loss of theft of a credit card, not only the inconvenience of having to report to individual card companies or department stores individually, but also the situation of seeing damage in good faith by not reporting timely.

Therefore, a customer who has a plurality of cards had difficulty managing credit transactions such as usage records and limits for various types of cards owned by the customer. There was a problem that hassle occurs.

In addition, when an accident such as theft loss occurs, each card company must promptly and accurately report the loss of theft.

An object of the present invention is to accept the member information and membership management target card information online to solve the above-mentioned problems, and has a card company server as a member server, so that the user's request for at least one card each user has The present invention provides a network-based card management system and a method for retrieving information, managing results, and changing information on a registered card through a communication connection for each card company.

Another object of the present invention is to provide a network-based card management system and method for providing various information related to a card when a user registered as a member performs communication connection.

It is still another object of the present invention to provide a user with an integrated bill payment statement via e-mail by reading the bill payment statement information from each card company server for a card possessed by the user at the request of the user. To provide a network-based card management system and a method thereof.

1 is a view for explaining a network-based card management system according to the present invention;

2 is a block diagram for explaining in detail the configuration of the card management server applied to FIG.

3 is an operation flowchart for explaining a network-based card management method according to the present invention;

4 to 7 are flowcharts illustrating the subroutine applied to FIG. 3 in detail.

* Description of Signs of Main Parts of Drawings *

10: network communication network 20: user PC

30: card management server 40: card company server

In order to achieve the above object, the system of the present invention connects to a card management site through a communication interface means, receives at least one web page provided by the card management site, registers a member, reports a card loss, and changes card information. And a user terminal for performing at least one function of card information inquiry, and credit information and card information of at least one card holder as a database, and in response to an information request input from the outside through a network communication network. At least one card company server for reading and providing credit card information and card information of a card holder, and updating the database according to card information input from the outside, and a communication connection is made with a user terminal through a network communication network. Membership registration application If is entered, provide the member registration web page, compare the user information entered through the member registration web page with the cardholder's credit information provided by the card company server to confirm that the identity, the user reports the card loss, change the card information If a menu of one of the items is selected, the corresponding web page is provided, information input through the web page is provided to the card company server, and if the card information inquiry menu item is selected by the user, the card corresponding to the user requested And a card management server that performs a communication connection with a card company server and provides a user with information provided from the card company server.

The method of the present invention for achieving the above object, (1) the user performs a communication connection to the card management server through a communication interface means installed in the user terminal, and (2) the user of the user terminal card management Performing a routine for registering as a member on the server, (3) providing a service web page provided by the card management server when registered as a member in the card management server, and (4) providing a service web page by the user. When a predetermined menu item is selected among the performance inquiry, information change, and loss report menu items provided through the card management server, the card management server performs a corresponding performance inquiry routine, information change routine, or loss report routine. do.

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

1 is a view for explaining a network-based card management system according to the present invention, Figure 2 is a block diagram for explaining in detail the configuration of the card management server applied to FIG.

As shown, the user terminal includes a user PC 20 or a portable terminal 60, etc., accesses the card management site through a communication interface means, and displays at least one web page provided by the card management site described above. Receive the registration, card loss report, card information change, card information inquiry to perform at least one function.

The above-described portable terminal 60 includes a cellular phone, a PCS phone, a PDA terminal, and the like, and the above-mentioned communication interface means means a communication program (such as a WAP method) provided in a web browser or a portable terminal.

The plurality of card company servers 40 construct at least one card holder's credit information and card information as a database, and the card described above in response to an information request input from the card management server 30 through the network communication network 10. The holder's credit information and card information are read and provided, and the database is updated according to the card information input from the card management server 30.

When the card management server 30 is connected to the user PC 20 through the network communication network 10 and a member registration request signal is input from the above-described user, the card management server 30 provides a member registration web page, and the member registration described above. Compare the user information entered through the web page with the credit card information of the card holder provided by the card company server 40 to confirm the identity, and if the user selects one of the menu items of card loss notification and card information change, It provides a corresponding web page, provides information input through the above-described web page to the card company server 40 described above, and if the card information inquiry menu item is selected by the user described above, it corresponds to the card requested by the user mentioned above. By performing a communication connection with the card company server is provided to the above-described information provided from the card company server 40 to the user.

The card company server 40 will include not only a general card company server but also a department store and an insurance company server.

The detailed configuration of the above-described card management server 30 is as follows.

As shown in FIG. 2, the data input unit 31 may include a main control unit so that the entire system can be controlled by an operation program input from an operator of the card management server 30 and information on the card company server 40. 34).

The database unit 32 stores information on the operating program and the card company server 40 inputted from the data input unit 31 described above, and stores user information input from the user PC 20 described above.

The communication control unit 33 outputs the above-described user information and card loss report, card information change or card information inquiry request signal input from the user PC 20 to the main control unit 34, and the card loss report and card information described above. In response to a change or card information inquiry request signal, the web page and card information input from the main control unit 34 are transmitted to the user PC 20 described above, and the card loss report information and card information are transmitted to the card company server 40 described above. Information for changing the information and information for querying the card information are output, and the card information provided from the card company server 40 described above is received.

The main controller 34 controls the program data and information input through the data input unit 31 described above to be stored in the database unit 32 described above, and registers a member from the user through the communication control unit 33 described above. When the user information is input for receiving the card information from the above-mentioned card company server 40 through the above-described communication control unit 33 to check whether the user, and through the above communication control unit 33 report the card loss, The user PC 20 is controlled to transmit the information change request signal and information to the card company server 40 described above, and the card inquiry information provided through the communication control unit 33 described above through the communication control unit 33 described above. To be transmitted).

Meanwhile, when the user information is input by the user, the card management server 30 may perform an authentication process of checking the user's credit information through an authorized certification authority to confirm whether the user is the user.

In addition, the above-described card management server 30 receives the usage bill payment statement for each card possessed by each user from the card company server 40 according to the user's request, and generates an integrated usage bill payment statement. The paid bill statement to the user via e-mail.

The operation of the network-based card management system according to the present invention configured as described above will be described in more detail with reference to the accompanying drawings.

3 is a flowchart illustrating a network-based card management method according to the present invention, and FIGS. 4 to 7 are flowcharts illustrating the subroutine applied to FIG. 3 in detail.

First, the operator of the card management server 30 is a web page so that an unspecified user can access the card management server 30 and receive various service information provided by the card company server 40 for all cards possessed by the user. System, and all the cards can be performed collectively or selectively by the card management server 30 without performing the performance inquiry, information change, loss report, etc. to each card company server 40. To build a database that can store information about the operating program and card company server 40 and the user information and information generated during the operation of the card management server 30 to control the.

As described above, after all the card management server systems are constructed, the user communicates with the card management server 30 through a web browser installed on the user PC 20 to receive the service provided by the card management server 30 described above. When the communication is established by performing the connection (S100), the card management server 30 performs the user registration or, if the member is a registered member, card instructions, card use provided by the card management server 30 Provides an initial screen providing information such as guide, card merchant guide, excellent merchant guide and promotion information, mail or card schedule to the user PC 20 for the user to view.

Thus, when the user of the above-described user PC 20 selects the member registration menu item to register as a full member in the card management server 30 through the initial screen described above, the member registration described with reference to FIG. Perform the routine (S200).

As described above, when the user is registered as a full member in the card management server 30, the card management server 30 provides a service web page to receive various services to the user PC 20, and the user PC ( 20) provides a service web page with a plurality of menus including a card performance inquiry menu item that a user can select, a menu item for changing card information, and a menu item for filing a loss report when a card is lost. Received (S300).

The user selects a predetermined menu item from a card performance inquiry menu item provided through the above-described service web page, a menu item for changing card information, and a menu item for accepting a loss report when the card is lost. The card management server 30 performs a performance inquiry routine, an information change routine or a loss report routine corresponding thereto (S400 to S700).

First, the member registration routine described in the above-described step S200 will be described in more detail with reference to FIG. 4. The card management server 30 is provided on the service web page provided to the user PC 20 to provide various card information. It is determined whether the member registration menu item has been selected by the user among the plurality of menu items provided at step S201.

As a result of the above-described determination of S400, when the member registration menu item is selected by the user, the main controller 34 of the card management server 30 may access a web page for inputting user information through the communication controller 33. Provided to the PC 20 (S202).

That is, through the above-described web page, the user can enter the desired ID and password as the user's name, address, social security number, telephone number, work name, hobby, card company information of the card possessed by the user, and login information. An information input window is provided. Meanwhile, the main controller 34 further includes an information input window for inputting another password composed of information different from the password, which is the above-mentioned login information. The password has a function directly related to a card possessed by the user. If you want to achieve through the above-described card management server 30 is an essential element that must be input.

As described above, when the user inputs all the user information through the information input web page, the main controller 34 recognizes this, selects the resident registration number and the representative card company information among the user information, and uses the representative card company information described above. A communication connection with the card company server is performed (S203).

As described above, when the card management server 30 and the card company server 40 are connected to each other, the main control unit 34 stores the user information stored in response to the social security number from the card company server 40 through the communication control unit 33. Read and compare with the user information entered by the user (S204).

On the other hand, as described above, the card management server 30 is compared with the user credit information input through the user through the authentication authority, the user information input from the user, it is possible to confirm that the user.

As a result of the comparison of the above-described step S204, if the information is mutually identical, the user confirms that the user is the card holder (S206), and stores the login information and the card company information among the user information in the database unit 32 (S207). Return to step S300.

As a result of the comparison of the above-described step S205, if the information does not match with each other, an error message is output to the user and terminated (S208), and the process returns to the above-described step S300.

Second, the card performance inquiry routine described in the above-described S500 process will be described in more detail with reference to FIG. 5, that is, the card performance inquiry on the service web page displayed on the screen of the user PC 20 in the above-described S300 process. When the user selects a menu item, the main control unit 34 recognizes this through the communication control unit 33, and the user PC 20 inputs a password and a resident registration number of the user separately specified by the main control unit 34 to the user PC 20. An information input window is output along with a message for allowing the user to output (S501).

The main controller 34 determines whether the user inputs the social security number and the password through the communication control unit 33 according to the above-described message (S502). When the user inputs the social security number and the password as a result of the determination, the main control unit 34 Using this, the user inquires the user information registered in the database unit 32 (S503), and transmits the user information inquiry screen data according to the inquiry result to the user PC 20 for display on the screen (S504). ).

Then, the main control unit 34 determines whether the card to be checked for performance is selected by the user on the user information inquiry screen described above (S505), and the corresponding card company server 40 of the card selected through the communication control unit 33. In step S506, the card company server 40 performs a request for receiving the user's performance information from the card company server 40 (S507).

Then, the card company server 40 reads the user's performance information stored in the database using the user's social security number input through the communication control unit 33, the read user's performance information to the communication control unit 33 The main control unit 34 is transmitted to the main control unit 34, and the main control unit 34 transmits the performance information of the user provided from the card company server 40 through the communication control unit 33 to the user PC 20 so that the user can view it. (S508).

Third, the routine for changing the card information described in step S600 described above will be described in more detail with reference to FIG. 6, that is, on the service web page displayed on the screen of the user PC 20 in step S300 described above. When the user selects a menu item for changing the card information, the main control unit 34 recognizes this through the communication control unit 33, and the main control unit 34 uses the communication control unit 33 to log in with the user's social security number. In operation S601, a message and an information input window for inputting a password including a password included in the information and other information are provided.

In addition, the main controller 34 determines whether the user inputs the social security number and the password by using the above-described message and information input window (S602), and when the user inputs the social security number and the password as a result of the determination, the main control unit 34 Inquires the user information registered in the database unit 32 using the social security number and password input by the user (S603), and transmits the user information inquiry screen data according to the inquiry result to the user PC 20 screen Displayed on (S604).

The main controller 34 determines whether the corresponding object of the card for changing information is selected by the user on the user information inquiry screen described above (S605), and if the corresponding object of the card is selected, the main controller ( 34 provides a web page for the user to input information to be changed (S606).

Here, the corresponding object of the card selected by the user is a term that includes not only card companies of general cards such as Samsung, LG, BC, etc., but also all department stores, discount stores, insurance companies, and the like.

Thus, when the user inputs detailed information to be changed through the above-described information changing web page, the main control unit 34 receives the input through the communication control unit 33 and stores the changed contents in the database unit 32. In step S608, a communication connection to the change target server 40 is performed.

As described above, the main controller 34 transmits the changed contents input from the above-described user to the change target server 40 (S609), and the change target server 40 registers the corresponding user registered in its database. Is updated by using the change information input by the user (S610), the result is transmitted to the card management server 30 and stored in the database unit 32 (S611), and transmitted to the user PC The user may view the change result screen (S612).

Fourth, the card loss reporting routine described in the above-described S700 process will be described in more detail with reference to FIG. 7, that is, the loss of the card on the service web page displayed on the screen of the user PC 20 in the above-described S300 process. When the user selects a menu item for reporting the notification, the main control unit 34 recognizes this through the communication control unit 33, and the main control unit 34 uses the communication control unit 33 to display the user's social security number and login information. In operation S701, a message and an information input window for inputting a password including a password included in the password and other information are provided.

In addition, the main controller 34 determines whether the user inputs the social security number and the password according to the above-described message (S702). When the social security number and the password are input by the user as a result of the determination, the main control unit 34 determines the above-mentioned. The user information registered in the database unit 32 is inquired using the social security number and the password (S703), and the user information inquiry screen data according to the inquiry result is transmitted to the user PC 20 and displayed on the screen (S704). ).

The main control unit 34 determines whether the card for reporting a loss is selected by the user on the user information inquiry screen described above (S705), and as a result of the determination, the database unit 32 displays the report contents input by the user. ) And update the stored data, and perform a communication connection to the card company server 40 corresponding to the report card (S704) (S705).

On the other hand, when the communication control between the above-described main control unit 34 and the card company server 40 is made, the main control unit 34 transmits the lost contents input by the user to the card company server 40 through the communication control unit 33. (S706), the card company server 40 receives the card lost contents input through the communication control unit 33 as a report (S707), and transmits the report acceptance result to the main control unit 34 of the card management server 30. In operation S708, the card is stopped from being used, and the result of receiving the report is stored in the database in operation S709.

On the other hand, the main control unit 34 transmits the report reception result screen data transmitted from the card company server 40 to the user PC 20 so that the user can see the report reception result screen (S710).

As described above, the present invention provides the effect that the user can change the information collectively or selectively for all the cards he has using the card management site.

In addition, the present invention can be reported collectively or selectively lost for the card that the user owns when the user lost the card, and can look up the transaction history of the card and integrated information generated by the card online at any time It is to provide the effect that you can see.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below It will be appreciated.

Claims (14)

Access the card management site through the communication interface means, and receives at least one web page provided by the card management site to perform at least one function of membership registration, card loss report, card information change, and card information inquiry. A user terminal to enable; The credit information and card information of at least one card holder is constructed as a database, and the credit card information and card information of the card holder are read and provided in response to a request for information input from the outside through a network communication network, At least one card company server for updating the database according to card information; And When a communication connection with the user PC is established through a network communication network and a member registration request signal is input from the user, a member registration web page is provided, and the user information input through the member registration web page and the card company server are provided. Compare the cardholder's credit information to confirm the identity of the cardholder, and provide the corresponding webpage when the user selects a menu of the card loss report or the card information change item, and recalls the information input through the webpage. A card management server provided to a card company server and providing a user with information provided from the card company server by performing a communication connection with a card company server corresponding to a card requested by the user when a card information inquiry menu item is selected by the user. Net characterized in that it comprises a Walk-based card management system. The method of claim 1, wherein the card management server, A data input unit which outputs to the outside so that the entire system can be controlled by the operating program and card company server inputted from the operator of the card management server; A database unit which stores information about an operating program input from the data input unit and a card company server, and stores user information input from the user PC; Web information input from the user terminal and a card loss report, card information change or card information inquiry request signal to the outside, and web input from the outside in response to the card loss report, card information change or card information inquiry request signal Transmits page and card information to the user terminal, outputs card loss notification information, information for changing card information, and information for querying card information to the card company server, and provides card information provided from the card company server. An input communication control unit; And The program data and information input through the data input unit are controlled to be stored in the database unit. When user information for member registration is input from the user through the communication control unit, card information from the card company server through the communication control unit. Receives the user to check whether the user, card loss report through the communication control unit, and controls to transmit the card information change request signal and information to the card company server, the card inquiry information provided through the communication control unit the communication control unit Network-based card management system, characterized in that consisting of a main control unit for controlling to be transmitted to the user terminal through. The method of claim 1 or 2, wherein the user terminal, Network-based card management system, characterized in that any one of a user PC or a portable terminal. The user credit information of claim 1 or 2, wherein the user credit information for confirming the identity of the user is compared with the user information in the card management server. Network-based card management system characterized in that it is input through an accredited certification authority. The card management server of claim 1 or 2, wherein the card management server comprises: Receive a payment statement for each card owned by each user from each card company's server to generate a consolidated payment statement, and send the generated payment statement to the user via e-mail. Network-based card management system, characterized in that the control box. The card management server of claim 1 or 2, wherein the card management server comprises: A network-based card management system characterized by providing a plurality of passwords having a user's ID and different information to the user. (1) a user performing a communication connection to a card management server through a web browser installed on a user PC; (2) performing a routine for a user of the user PC to register as a member in a card management server; (3) if the card management server is registered as a member, the card management server providing a service web page to the user PC; And (4) When the user selects a predetermined menu item among the performance inquiry, information change, and lost report menu items provided through the service web page, the card management server performs a corresponding performance inquiry routine, information change routine, or lost report routine. Network-based card management method comprising the process of performing. The method of claim 7, wherein the member registration routine of the process (2), (2-1) determining, by the user, whether a member registration menu item is selected through the service web page; (2-2) when the member registration menu item is selected, providing a web page for inputting user information by the card management server; (2-3) performing communication connection with a card company server using card company information input through the user information input web page to receive cardholder information from a card company server; (2-4) comparing the user information input through the user information input web page with the cardholder information input from the card company server; And (2-5) When the user information input by the user and the cardholder information match, the process of recognizing that the user is a cardholder and storing login information and card company information among the user information input by the user in the database unit Network-based card management method characterized in that. The method of claim 7, wherein, in the process (4), when the user selects the performance inquiry menu item, (4-1) outputting a message for the user to input a password composed of the social security number and the password included in the login information and other information; (4-2) determining whether the user inputs the social security number and the password according to the message; (4-3) The process of inquiring user information registered in the database unit using the social security number and password input by the user, and transmitting the user information inquiry screen data according to the inquiry result to the user PC for display on the screen. ; (4-4) determining whether a card for performing a performance inquiry is selected on the user information inquiry screen; (4-5) performing a communication connection to the corresponding card company server of the selected card, and requesting performance information of the user from the card company server; And (4-6) A network-based card management method comprising the process of transmitting the user's performance information provided from the card company server to the user's PC so that the user can see it. 8. The method of claim 7, wherein in the process (4), when the user selects the information change menu item, (4-A) outputting a message for the user to input a password composed of the social security number and the password included in the login information and other information; (4-B) determining whether the user inputs the social security number and the password according to the message; (4-C) A process of inquiring user information registered in the database using the social security number and password input by the user, and transmitting the user information inquiry screen data according to the inquiry result to the user terminal for display on the screen. ; (4-D) determining whether a corresponding object of a card for changing information is selected on the user information inquiry screen; (4-E) providing a web page for the user to input the information to change when the corresponding object of the card for changing the information is selected; (4-F) storing the changed contents input by the user in a database unit and performing a communication connection to a change target server; (4-G) transmitting the change result to the card management server after changing the user information of the change target server by using the changed contents input by the user to the change target server; And (4-H) A network-based card management method comprising storing a change result transmitted from a change target server in a database unit and transmitting the change result to a user PC so that a user can view the change result screen. . The server of claim 10, wherein the change target server comprises: Network-based card management method, characterized in that at least one of the card company server, department store server, insurance company server. The method of claim 7, wherein, in the process (4), when the user selects a loss report menu item, (4-a) outputting a message for the user to input a password composed of the social security number and the password included in the login information and other information; (4-b) determining whether the user inputs the social security number and the password according to the message; (4-c) A process of inquiring user information registered in the database unit using the social security number and password input by the user, and transmitting the user information inquiry screen data according to the inquiry result to the user PC for display on the screen. ; (4-d) determining whether a card for reporting a loss is selected on the user information inquiry screen; (4-e) storing the report contents input by the user in a database unit, and performing a communication connection to a card company server corresponding to the report card; (4-f) When a communication connection to the card company server is established, the card management server transmits the card loss contents to the card company server, and the card company server receives the report as the card lost contents, stops the card from being used, and reports Transmitting the reception result to the card management server; And (4-g) storing the report reception result sent from the card company server in the database unit, and transmitting the report reception result screen data to the user PC so that the user can view the report reception result screen. Network-based card management method. The method of claim 7, wherein the user credit information to confirm that the user is compared to the user information in the card management server, Network-based card management method characterized in that it is input through an authorized certification authority. The card management server of claim 7, wherein the card management server receives a usage bill payment statement for each card possessed by each user from each card company server at the user's request, and generates an integrated usage bill payment statement. The network-based card management method further comprising the step of controlling the payment statement to be sent to the user via e-mail.