KR20080068612A - System for guarantee control for settlement means - Google Patents

Abstract

A system for processing guarantee of a payment tool is provided to enable a customer to receive various kinds of incentives such as increasing a credit limit and enable a card company to offer useful card services to the customer by securing all or a part of financial assets of the customer based on financial asset information stored in a storage medium. An information storing part stores financial asset information of a customer to a storage medium(120) by linking with customer card information. A financial asset information checker(115) checks the financial asset information linked with the payment tool information from in the storage medium when a card(130) is unavailable owing to an exceeded credit limit or a short balance. A card processor(110) adjusts the credit limit or processes an approval for using the card based on a guarantee tool by setting all or a part of financial assets of the customer as the guarantee tool based on the checked financial asset information. The financial asset information includes more than one of balance information, real estate/estate information, and stock or bond information of the customer.

Description

Payment method guarantee processing system {System for Guarantee Control for Settlement Means}

1 is a credit card (or client card) having at least one associated financial asset information (e.g., deposit account information, etc.), a card company server for setting up assurance means using the financial asset information associated with the card, and the card company. It is a simple configuration of the present invention consisting of a storage medium for interworking with the server and managing the financial asset information associated with the client card.

Figure 2 is a simple flow chart of the process of setting a certain amount in the balance of the balance of the deposit account associated with the client card according to the present invention.

3 is a simple flowchart illustrating a process of modifying and updating the warranty means setting policy by a client accessing the card company server through a wired or wireless network by changing the warranty means setting policy.

4 is a simple data model for an assurance means setting policy file according to the present invention.

Figure 5 is a preferred embodiment of the present invention, which is a simple configuration diagram to provide a suitable incentive by setting up the guarantee means through the account information associated with the client card.

6 is a simple flowchart of a process in which a client increases the card usage by designating a specific guarantee means setting amount in the balance of a deposit account associated with a use card according to the present invention.

7 shows that the client guarantees the balance according to the client's request (or automatically) when the card use amount (payment amount) is larger than the balance of the deposit account associated with the card, when the client uses the card according to the present invention. This is a simple flow chart for the process of using the card by increasing the card usage.

8 is a simple data model for a usage policy file in accordance with the present invention.

9 is a simple data model for a usage information file according to the present invention.

<Description of main parts of drawing>

100: card company server 105: warranty means setting unit

110: card processing unit 115: financial asset inquiry unit

120: storage medium 125: terminal device

130: card

According to an embodiment of the present invention, a means for storing customer financial asset information and customer payment means information and storing the information in a storage medium, and when it is not available due to an excess of a customer payment means limit or a lack of balance, customer finance connected with the customer payment means information through the storage medium. Means for confirming asset information and all or part of the identified customer financial assets as guarantee means, and adjusting the customer payment means usage limit or processing the customer payment means use approval in response to the set guarantee means; It relates to a payment means warranty processing system comprising a means.

Debit cards, check cards, etc., including credit cards, which are generally widely used at present, are used in connection with at least one deposit account. Of course, there is a slight difference in the method used in connection with each of the above cards, except for other bonus cards, etc. There is no card used without being associated with the deposit account.

For example, the credit card is a method of using the card within a predetermined credit limit, withdrawal of the card use price from the account associated with the card with a fixed payment date. In addition, the debit card can be used only at the corresponding debit card merchant, and the usage amount is immediately withdrawn from the account associated with the card.

Like a credit card, a check card can be used within the limit of your account balance, and like a debit card, it can be withdrawn from the account immediately. Unlike the debit card, the check card can be used for 24 hours, and has the advantage that it can be used in a credit card merchant.

Although the check card can obtain the payment amount as soon as the merchant compared to the credit card, there is a problem that can not be used when the balance of the account associated with the check card is insufficient, but recently limited to the check card A card has appeared that includes a credit limit (eg, 500,000 won).

However, since the credit card has a relatively small credit limit compared to the credit limit of a general credit card, the activation of a check card is not easy in the trend that credit cards are so common that they are called a credit society.

Therefore, at a time when the expansion of income deduction for the portion of direct debit payment is being actively examined, various methods for activating the use of a check card should be sought to overcome the above problems.

An object of the present invention for solving the above problems is a means for connecting the customer financial asset information and the customer payment means information and storing in the storage medium, and when the customer is not available due to exceeding the customer payment means limit or insufficient balance, the storage medium Means for confirming customer financial asset information linked to the customer payment means information and all or a part of the identified customer financial assets through the guarantee means, and adjusts the customer payment means use limit in response to the set guarantee means; Or to provide a payment means guarantee processing system comprising means for processing the customer payment means use approval.

The payment method guarantee processing system according to the present invention, means for connecting the customer financial asset information and the customer payment means information and storing in the storage medium, and when the customer payment means is not available due to exceeding the limit or the lack of balance, through the storage medium Means for confirming customer financial asset information associated with customer payment means information and all or part of the identified customer financial assets as guarantee means, and adjusting the customer payment means usage limit in response to the set guarantee means; It comprises a means for processing the customer payment means use approval.

According to the present invention, the customer financial asset information, characterized in that the balance information of the customer deposit account, the customer-owned real estate information, the customer-owned property information, the customer holding stock or bond information.

Hereinafter, a preferred embodiment of a method and system for setting a guarantee means using account information associated with a credit card will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art.

In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a credit card company (or client card) having at least one or more associated financial asset information (eg, account information, etc.), and a card company server 100 for setting up a guarantee means using the financial asset information associated with the card. And a storage medium 120 interoperating with the card company server 100 and managing the financial asset information associated with the client card 130.

The client card 130 is connected to at least one or more financial asset information (such as a deposit account) associated with the card 130 (for MS type) or includes at least one or more financial asset information (IC Type), the assurance means is set based on the financial asset information and the assurance means setting policy file in the card company server 100 according to the present invention, using the financial asset information (e.g., deposit account balance information, etc.). It is characterized in that the card 130 can be used using the guarantee means.

In addition, the client card 130 may be implemented through both an MS type card and a smart card. In particular, when the client card 130 is a smart card, a module (or a part) of a server on a network described below. It is specified that part of is installed as smart card storage information to perform its function.

For example, the smart card may include at least one or more memory devices (eg, EEPROM and / or flash memory) among memory devices of an integrated circuit chip (ICC) having a series of hierarchical structures as proposed in the integrated circuit chip (ICC) standard. It is possible to implement by mounting the guarantee means storage information and financial asset information storage information proposed in the present invention)).

Further, the guarantee means storage information is, for example, according to the general integrated circuit chip (ICC) standard, the file structure in the card in which the application (or data) mounting information and card information record information is stored, ISO / IEC 7816 and / or One master file (MF) corresponding to a root file, and at least one dedicated file (DF) classified according to smart card services and applications, based on ISO / IEC 14443 or the like; For example, an assurance means storage information dedicated file, etc., and an element file (EF) (e.g., assurance means setting policy element) in which data and / or information for a card use service using the assurance means according to the present invention are stored. File, usage increase calculation element file, credit information element file, transaction suspension information element file, fee rate information element file, payment date information element file, etc.) It becomes a composition.

In addition, the financial asset information storage information is a file structure in a card in which the application (or data) mounting information and card information record information are stored according to a general integrated circuit chip (ICC) standard in a similar form to the guarantee means storage information. Mounted. In addition, based on ISO / IEC 7816 and / or ISO / IEC 14443, etc., one master file (MF) corresponding to a root file, and at least one dedicated classified according to smart card services and applications. A dedicated file (e.g., a dedicated file for storing financial asset information), and data and / or information for a service of using (or using) at least one financial asset information of a client according to the present invention. It is composed of an element file (EF) (for example, financial asset information (1) element file, financial asset information (2) element file, etc.) to be stored.

The financial asset information element file EF is a balance information element file EF of the customer deposit account, and / or the customer owned real estate information element file EF, and / or the customer owned property information element file EF. And / or at least one or more of the customer-owned stock or bond information element file (EF).

For example, when using an IC card type credit card containing the assurance means storage information as described above, at least one customer financial asset information is stored in the IC chip, when using the credit card, the credit card including the ICC reader The terminal provides the customer financial asset information stored in the IC chip to the card company server 100 through the terminal.

In addition, the card company server 100 sets all or part of the financial assets as a guarantee means based on the customer financial asset information provided through the credit card terminal, and the credit card usage limit amount according to the set guarantee means. The present invention is embodied by adjusting the or by performing the credit card use authorization process.

The card company server 100 shown in the figure resides on a wired and wireless network and, according to the present invention, at least one or more client financial assets associated with the card information and / or the card-bearing client information for the client card 130 according to the present invention. Requesting and obtaining financial asset information associated with the card 130 from the storage medium 120 in association with a storage medium 120 containing information and / or storing the financial asset information, A function of setting the whole or part of the financial asset information as a guarantee means based on the policy means setting policy file.

In addition, the server 100 includes a financial asset information inquiry unit 115 and a guarantee means setting unit 105, in order to implement the present invention, at least one or more information providing information for each additional operation And a database having a file (eg, a personal information file, an assurance policy information file, etc.).

The financial asset information inquiry unit 115 in the server 100 shown in the figure obtains the card information (eg, credit card number information, etc.) transmitted from the interface terminal 125 when the client uses the card. Extracts the financial asset information associated with the card information from the personal information file in the server 100, or requests the storage medium 120 to provide the financial asset information of the client.

For example, when the financial asset information of the client is deposit account (or deposit account balance) information, the deposit account (or deposit account balance) information associated with the card information is extracted or the storage medium (for example, the deposit account bank). You will be provided with a request for deposit account (or deposit account balance) information.

Accordingly, the financial asset information inquiry unit (1) 15 is linked to at least one or more storage media 120, and some or all of the financial asset information associated with the client card 130 is set as an assurance means according to the present invention. If so, further comprising providing the guarantee means setting information to the storage medium.

The guarantee means setting unit 105 in the server 100 checks at least one or more information (eg, client credit information, transaction history record information, fee rate information, etc.) for setting the guarantee means from the guarantee means setting policy file. The financial asset information associated with the client card 130 acquired (or extracted) from the financial asset information inquiry unit 115 may be set as a guarantee means.

The storage medium 120 is linked with the financial asset information inquiry unit of the card company server 100 to provide financial asset information (eg, account information (eg, balance) associated with card information of a corresponding client requested by the card company server 100. Information), etc.) from the financial asset information database (for example, the account information database) and provided to the financial asset information inquiry unit 115 or in the form of a database in the card company server to provide the financial asset information of the client. Serves to provide.

For example, when the storage medium 120 is an account management server (bank, etc.) according to the present invention, the storage medium 120 is a deposit account associated with the client card 130 from the card company server 100 When a certain amount of the balance is set for the guarantee means, the guarantee means setting information is obtained from the card company server 100 to limit the client's right to use the guarantee means.

According to the present invention, it is obvious to enact agreements or terms and conditions between the storage medium 120 and the card company server 100 so that the storage medium 120 and the card company server 100 interoperate with each other.

The storage medium may include a financial asset information database, and the financial asset information included in the financial asset information database may include information on guarantee means setting amount information, credit information, transaction stoppage information, and card use fee rate information according to guarantee means setting. It may further include guarantee means setting policy information, including at least one or more payment date information.

According to the present invention, the card company server 100 is locally connected to a corresponding interface (eg, merchant terminal, ATM / CD, etc.) at the level of a person skilled in the art, and / or is built in a value added network (VAN) operator server, and And / or independently built on a wired or wireless network.

In addition, the storage information in the card company server 100 is specified in the storage area inside the interface terminal device 125 can be built.

The flowchart according to the embodiment described below is preferably implemented on a credit card (or check card) network and / or debit card network including the corresponding interface terminal device 125, for example, a credit card (or check). Card) Network (Network) includes the components such as "credit card (or check card) terminal-VAN-card company-bank", including the server 100 described in Figure 1, on the debit card network When implemented, it is specified that the server 100 includes a "debit card terminal-bank" and the like, and the server 100 may be configured to be included as a part of the components. (E.g., linking with a credit card company or VAN company).

2 is a simple flowchart of a process of setting a certain amount of the balance of the deposit account associated with the client card 130 as the guarantee means according to the present invention.

In the figure, the card company server 100 confirming the card information when the client uses the card extracts and checks the account information associated with the card information, and the account balance information to the storage medium 120 (account management server) of the account. Requesting, on the basis of the guarantee means setting policy file, a certain amount of the account balance information provided from the account management server, for the process of setting to the guarantee means.

In addition, the figure is intended to help the understanding of the present invention, customer financial asset information described in this figure is not limited to the account balance information, the client-owned real estate information, and / or the client-owned property information, and And / or the client's stock or bond information.

As described above, the card company server 100 may exercise the rights in various forms with respect to a certain amount in the deposit balance set as the guarantee means. For example, it is specified that the guarantee means (or a part of the guarantee means) can be taken as advance payment upon use of the card, and can be taken preferentially at a later payment.

According to the present invention, when the client requests the use of the card 130 connected with at least one deposit account through the interface terminal device 125 (200), the interface terminal device 125 reads the card information of the client Provided to the card company server 100 through the VAN (205).

The card company server 100 obtains the card information of the client from the interface terminal device 125, extracts the deposit account information associated with the card information (210), the information (balance information, etc.) for the extracted deposit account; ) To the account management server of the deposit account (215).

The account management server extracts the client deposit account information requested from the card company server 100 from an account information (financial asset information) database and provides the extracted account information to the card company server 100.

* When the account information of the deposit account associated with the client card 130 is provided from the account management server, the card company server 100 checks the balance information of the deposit account, etc. and guarantees based on a preset guarantee means setting policy. The validity of the means setting is determined (220).

The validity of the guarantee means setting is that the balance of the client deposit account does not meet the minimum amount for the guarantee means setting, or the credit rating of the client at the time of the card use of the client is not satisfied for setting the guarantee means, It means to check whether the card is suspended or not in accordance with the policy of setting the guarantee means.

If a certain amount of the client's deposit account balance cannot be set as a guarantee means based on the guarantee means setting policy (225), the card company server 100 records the details of the impossibility of setting the guarantee means through the client interface interface. Provided to (230).

On the other hand, if the validity of the guarantee means setting is confirmed (235), based on the guarantee means setting policy can set a certain amount of the balance of the client deposit account as the guarantee means (240), the card company server 100 is The guarantee means setting details are provided to the deposit account management server to record the guarantee means setting details of the client in the account management server (245).

The card company server 100 transmits (250) the guarantee means setting details and the approval details for the card use request of the client to an interface terminal device, and provides them to the client through the interface terminal device (255).

3 is a simple flowchart illustrating a process in which a client accessing the card company server 100 through a wired or wireless network changes the warranty means setting policy, thereby modifying and updating the warranty means setting policy.

According to the present embodiment, the guarantee means setting policy set at the time of card issuance and / or change of a card product of a client may include the increase (or decrease) of the creditworthiness of the client, the change of the settlement date, the suspension of card use, the change of financial asset information, It is stated that the information may be changed by changing various assurance means setting information.

Accordingly, the present invention is an embodiment of a process of changing the guarantee means setting information (for example, payment date, etc.) by the client directly accessing the card company server 100 in changing the guarantee means setting information. According to the change of the setting information, the card company server 100 may update by modifying a fee rate or the like.

According to this figure, when the client connects to the card company server 100 via the wired / wireless network to change the warranty means setting information (300), the card company server 100 is connected to the client authentication and / or the client card. Authentication is performed (305).

If the client authentication and / or authentication of the client card fails (310), the card company server 100 to provide the authentication failure details to the client via a wired or wireless network (315).

On the other hand, if the client authentication and / or the authentication of the client card is confirmed (320), the card company server 100 receives a request to change the guarantee means policy information from the client (325), the change to the client A request for input of the guarantee means policy information to be performed (330).

When the guarantee means policy information to be changed is input from the client, the corresponding change item is changed in the guarantee means policy information file (335), and after updating processing such as the guarantee means fee rate according to the changed item (340), the The client is notified of the completion of the assurance means policy information change (345).

4 is a simple data model for an assurance means setting policy file according to the present invention.

In the drawings of the client, the guarantee means setting provides a basis for setting a certain amount of the balance of the deposit account information associated with the card to be used by the client as the guarantee means for the use of the client card according to the present invention. A simple embodiment of a policy file.

The guarantee means setting policy file, for example, by using the deposit account balance associated with the client card to increase the limit of the use of the card in accordance with the present invention, to use the deposit account balance as an assurance means Characterized in that at least one or more policy information is included, the policy means setting policy file, the client card information (card number, etc.), credit information, transaction suspension history information, guarantee means setting minimum amount information, fee rate information, fee rate It includes change information, payment date information, payment date change information, etc. The warranty means setting information is obviously determined by the terms and conditions and / or client set by the card company, but changes within the scope without departing from the spirit of the present invention at the level of those skilled in the art And addition is possible.

The credit information and / or transaction suspension history information may be included in the guarantee means setting policy file because the authorized credit rating of the client may affect the card usage limit according to the guarantee means setting.

Further, the guarantee means setting minimum amount information of the guarantee means setting policy file includes information on the minimum amount of the deposit amount to be set as the guarantee means in setting a certain amount of the balance of the deposit account associated with the client card as the guarantee means. .

According to the embodiment of the present invention in setting a certain amount of the balance information of the account associated with the client card as the guarantee means, a predetermined incentive (for example, card usage, credit limit increase, etc.) An embodiment provided with) will be described in the accompanying drawings.

According to the following embodiments, if it is determined that a detailed description of the related known function or configuration is unnecessary for the description of this embodiment, the detailed description thereof will be omitted. In addition, in order to describe the present embodiment, specific components and corresponding reference numerals are presented, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It is obvious to those of ordinary skill in the field.

Figure 5 is a preferred embodiment of the present invention, a simple configuration to provide the appropriate incentives by setting the guarantee means through the account information associated with the client card.

According to the present embodiment, when the client requests card use through an online / offline merchant interface terminal device 125, checking the balance information of the deposit account information associated with the card and setting a certain amount of the balance as an assurance means. Extracting and applying an appropriate usage rate to the set guarantee means data based on the usage calculation policy file, in which a usage rate ratio for each amount is calculated and recorded, and calculating the client card usage increase; Authorizing the use of the card 130 by a client within a range of degrees increments.

When the client uses the card, requesting an increase in the card usage of the client by using the balance information remaining in the deposit account associated with the card as a guarantee means, the card usage amount (or payment amount) is the client or the server. It includes the case where the predetermined amount of the predetermined card use amount is exceeded by 100, or when the card use amount (or payment amount) of the client exceeds the balance remaining in the deposit account.

According to this figure, the illustrated card company server 100 inherits the functions of the card company server 100 existing on the wired / wireless network described in FIG. 1 as it is, thereby saving the account (financial assets associated with the client card 130) ) In connection with the account management server (storage medium) 500 for managing the request from the account management server 500 to obtain the account information (balance information, etc.) associated with the card 130, and is provided And a function of setting a certain amount of the balance of the deposit account as the guarantee means based on the guarantee means setting policy file.

In addition, the balance information of the customer deposit account may be replaced with various types of customer financial asset information such as the customer-owned real estate information, and / or the customer-owned property information, and / or the customer-owned stock or bond information. Please specify.

In addition, the server 100 includes an account information inquiry unit 505 and an assurance means setting unit 105 described in FIG. 1 to implement the present invention, and further includes (guarantee means) distribution unit ( 515), the usage increase increase calculation unit 510 is further included. The apparatus further includes a usage policy file, a usage information file, and the like, which provide information for each of the additional operations.

The guarantee means distribution unit 515 in the server, when at least two or more cards are linked to one deposit account (for example, a family card, a corporate card, etc.), the main client designates an amount of guarantee means set for each subclient. Thereby distributing an increase in the card usage range of the sub-client.

For example, if three sub-clients except the main client exist in one account, and the main client designates the sum of the guarantee means set amount of the three sub-clients to be 1,000,000 won, the guarantee means distribution unit Within 1,000,000 won will be a function to balance the set amount of guarantee means of each sub-client.

The utilization increase calculation unit 510 increases the card usage increase corresponding to the assurance means data based on the usage information file and the usage policy file obtained from the assurance means data obtained through the assurance means setting unit 105. Calculate the

In addition, according to the present embodiment, it is possible to add the guarantee means setting amount information set by the corresponding client to increase the card usage limit using the guarantee means according to the present invention to the guarantee means setting policy file in the server 100. For example, if the client sets the guarantee means is 500,000 won, the client is withdrawn within the account associated with the card 130 at the time of payment in the form of a general check card, etc. within the limit of 500,000 won, if the 500,000 won If this is exceeded, the card usage is increased based on the remaining balance information in the account. (For example, in this case a general equation of “set amount <deposit balance” holds.)

On the other hand, the guarantee means automatic setting information does not have a special amount set by the client, but, for example, if the goods or services to be purchased by the client is greater than the balance of the deposit account associated with the card 130, the balance is automatically guaranteed means. By setting the card usage limit to increase the payment. (For example, in this case a general equation of “Payment Amount> Deposit Balance” holds.)

At this time, the usage policy file provides the usage increase calculation unit 510 with information such as a usage increase calculation rate according to the corresponding balance information determined by the terms of the agreement, etc., to perform calculation processing with the guarantee means data. The utilization increase calculation allows the government to calculate the increase in usage.

In addition, the usage information file is a file in which details of the client card usage increase calculated through the usage increase calculation unit 510 are stored.

Figure 6 is a simple flow diagram of a process of using the card by increasing the card usage rate by specifying a specific guarantee means set amount in the balance of the deposit account associated with the client's use card 130 in accordance with the present invention.

When the client requests the use of the card 130 having at least one linked deposit account (600), according to the present invention, the server 100 refers to the guarantee means policy information file stored in the server 100, The client checks whether an amount of guarantee means set in advance as a guarantee means exists (605).

If the guarantee means set amount set by the client at the time of card issuance does not exist (610), the card usage limit increase process using the guarantee means according to the present invention is processed by (A), and (A). The processing by the above will be described in more detail with reference to FIG. 7 described below.

On the other hand, if there is a guarantee means set amount set by the client (615), the server 100 compares the card use (payment) amount with the guarantee means set amount set by the client (620). It is checked whether the amount of use (payment) is larger than the amount of guarantee means set (625).

If the guarantee means set amount is greater than the settlement amount (630), the account information inquiry unit 505 in the server 100 stores the account information (balance information) associated with the card 130 in the account management server ( 500, and when the payment amount is greater than the account balance (640), if the payment amount is greater than the account balance (640), a non-payment message is generated and provided to the client through the interface. It ends.

On the other hand, if the settlement amount is smaller than the balance (645), the card use processing is performed through the deposit account balance (650).

Meanwhile, in comparing the guarantee means set amount and the settlement amount, if the guarantee means set amount is less than the set amount (655), the account information inquiry unit 505 in the server 100 is associated with the card 130. By obtaining the account information (balance information) from the account management server 500 to determine the validity of the guarantee means set amount (660).

Determination of the validity of the guarantee means set amount of money is to confirm the case where the account balance is larger than the guarantee means set amount set by the client, and if the deposit account balance is less than the guarantee means set amount described in this figure The process of becoming is meaningless.

When the validity of the guarantee means setting amount is verified, the guarantee means setting unit 105 in the server 100 sets the guarantee means setting amount set by the client as guarantee means data for increasing the card use rate (665). The usage calculation unit 510 in the server 100 extracts or confirms a usage increase calculation rate corresponding to the guarantee means data based on the usage policy file (670).

When the usage increase calculation ratio is extracted or confirmed, the usage calculation unit 510 calculates an appropriate usage increase for the client card using the extracted usage increase calculation ratio and the guarantee means data. 667, the calculated card utilization increase is applied to the client's card usage (680).

7 shows that when the client uses the card 130 according to the present invention, when the card use amount (payment amount) is larger than the balance of the deposit account associated with the card 130, (or automatically) according to the client's request This is a simple flowchart of the process of using the card by increasing the card usage rate using the balance as a guarantee means.

Through the process of Figure 6, the client requests the use of the card 130 having at least one or more linked deposit accounts, the guarantee means policy information file stored in the server 100 in accordance with the present invention In checking whether there is a guarantee means set amount previously set by the client as an assurance means, if the guarantee means set amount set by the client at the time of issuance of the card does not exist, the account information in the server 100 is determined. The inquiry unit 505 obtains account information (balance information) associated with the card through an account management server (700), and compares the corresponding card use (payment) amount with the account balance information (705).

If the settlement amount is smaller than the balance remaining in the account (710), the card use process is performed through the deposit account balance (715).

On the other hand, if the payment amount is larger than the balance remaining in the account (720), because the use of the card or payment is not possible with the balance of the deposit account, the message for the use or payment of the card to the interface terminal 125 To the client via 725.

When the card usage limit increase request is received from the client confirming the card use or payment impossible message as the guarantee means (730), the guarantee means setting unit 105 in the server 100 uses the balance information as a card. In the server 100, the usage calculation unit 510 extracts the usage increase calculation rate corresponding to the assurance means data based on the usage policy file. Check (740).

The usage calculation unit 510 calculates an appropriate usage increase for the card use based on the extracted usage increase calculation ratio and the warranty means data (745), and applies the calculated card usage increase. As a result, the card use approval process of the client is performed (750).

Various information files for the implementation of the present invention described below are located in the server 100, and / or located in the corresponding interface terminal device 125, and / or in conjunction with a VAN company server, and / or card company It is noted that when the location is linked to the server 100 or the like and / or is linked to the bank or the like and / or the client card is a smart card having a storage area, the location may be implemented by being located in the smart card.

8 is a simple data model for a usage policy file according to the present invention.

In estimating or establishing the use level by using the guarantee means, it is characterized in that it includes policy information which is a calculation standard or a setting standard.

For example, the usage policy file contains information about what percentage of the usage calculation ratio should be determined when any client balance information is used.

According to this figure, when the balance information (data) of the deposit account associated with the client card is 500,000 won or more and less than 600,000 million won, the utilization calculation rate is 200% (x0.2) of the guarantee means data. If the balance information (data) is 1,000,000 won or more and less than 120,000 million won, the utilization calculation rate may be 350% (x3.5) of the guarantee means data.

9 is a simple data model for a usage information file according to the present invention.

The usage information file shown in this drawing is a data file that records the card usage increase history of the client, and the usage information file includes the client card information (associated account information) and guarantee means (balance) information. It includes information on the rate of increase of utilization, information on the date of calculation of the increase in use, and the calculated amount of usage.

The guarantee means information is the amount of money data used by the client as a guarantee means from the account associated with the card to increase the card usage, the usage calculation ratio information is the usage calculation policy file shown in Figure 8 Based on the balance information and / or client credit information, extracted from the calculated increase rate of use of the client is recorded.

In addition, the usage increase calculation date includes information on the time (date) when the card usage of the client is increased according to the present invention.

Also, the calculated usage increase amount information of the usage information file is, for example, the guarantee means data of the third client having a card with the number 5678 -9012-xxxx in this figure is 900,000 won, and is extracted from the usage policy file. When the identified usage increase calculation rate is 400%, the usage increase calculation for the card can be determined as the product of the guarantee means data and the calculation rate. Of course, it also reveals that the information such as credit rating included in the guarantee means policy information file of Figure 4 can also be used to calculate the usage increase. (E.g. credit AAA (x1.5), BBB (x1.2), etc.)

Therefore, when calculating the utilization increase of the third client according to the present invention, 900,000 won (guarantee means data (balance information)) x (use limit increase rate) x (other creditworthiness, etc.) = 3,600,000 won ± β Can be.

The above calculation is just one embodiment to help the understanding of the present invention, and those skilled in the art may implement the present invention, and methods of adding and calculating various information files may be used without departing from the spirit of the present invention. It is stated that there is.

According to the present invention, a storage medium for storing at least one customer financial asset information associated with a credit card, the credit card information and / or the customer holding the credit card information, and a customer financial asset stored in the storage medium when the credit card is used. By providing a method and system for setting credit card guarantee means through a card company server that checks information and sets all or a part of the financial assets as a guarantee means and adjusts credit card usage limits and / or approves card use,

The client may be provided with various incentives, such as an increase in card usage (or credit limit) due to the establishment of a guarantee, and may prevent the card from being overused.

In addition, by using a new concept of the guarantee card to the existing card, the card company can provide a more useful card service, there is an advantage that can minimize the production of bad credit.

Claims (2)

Means for concatenating customer financial asset information and customer payment means information and storing the information in a storage medium; Means for confirming customer financial asset information connected to the customer payment means information through the storage medium when the customer payment means is not available due to an excessive or insufficient balance; And Means for setting all or a part of the identified customer financial assets as an assurance means, and adjusting the customer payment means usage limit or processing the customer payment means use approval in response to the set guarantee means. Characterized in that the payment means warranty processing system. The method of claim 1, wherein the customer financial asset information, Balance information of the customer deposit account, The customer-owned real estate information, The customer-owned property information, Payment means guarantee processing system characterized in that it comprises one or more of the customer stock or bond information.

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