CN1647083A - System and method for operating a gift certificate on the basis of credit card transactions - Google Patents
System and method for operating a gift certificate on the basis of credit card transactions Download PDFInfo
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- CN1647083A CN1647083A CNA038076381A CN03807638A CN1647083A CN 1647083 A CN1647083 A CN 1647083A CN A038076381 A CNA038076381 A CN A038076381A CN 03807638 A CN03807638 A CN 03807638A CN 1647083 A CN1647083 A CN 1647083A
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q20/403—Solvency checks
- G06Q20/4033—Local solvency checks
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/343—Cards including a counter
- G06Q20/3433—Cards including a counter the counter having monetary units
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
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- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
- G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
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Abstract
Disclosed are a system and method for operating a credit card gift certificate based on credit card transactions. According to the method for operating the credit card gift certificate, a credit card gift certificate server adds the limit of the credit card gift certificate corresponding to an amount of money printed on the credit card gift certificate to the transaction limit of a credit card of a credit card user, and the credit card user uses the amount of money of the gift certificate through the credit card transactions within the additionally configured limit of the credit card transaction. An amount obtained by subtracting the limit of the gift certificate from an amount paid by the credit card is determined as a payment amount to be paid by the user on a credit card bill that is sent to the user.
Description
Technical field
The present invention relates to utilize the system and method for credit card trade operation credit card exchange ticket.In more detail, the present invention relates to the commodity put down in writing on the commodity volume face volume amount of money can be used in system and method in the middle of the credit card trade.
Background technology
At present the widely used commodity volume of consumer be can trade goods the uninscribed card volume of quota, the phase is bought the multiple commodity that sell in commodity curly hair row shop at a convenient time by having a liking in the printing amount of money scope that commodity volume user can write down on the volume face.And, the commodity volume that obtains by commodity curly hair row does not reclaim volume and be equivalent to ex interest debt capital concerning commodity curly hair row shop, not only very big contribution is brought in commodity curly hair row shop, and the distribution of commodity volume also have a lot of benefits to the raising of issuing shop popularity and credit rating.The commodity volume all brings multiple benefit to commodity volume user and publisher like this, therefore distribution in the enterprise in fields such as department store, bookstore, cake shop, circulation, and, can also be used as present to it between the general user and be extensive use of along with buying increasing of kind.Recent years, growth was at a high speed obtained in commodity volume market as a result.
Yet, have variety of problems although commodity volumes has described advantage, traditional commodities to twist on the attribute of commodity volume.
That is, traditional commodities volumes is limited in the shop of commodity curly hair row shop and part and its cooperation and uses, and has limited sphere of circulation.And major part buys commodity volumes outright, in fact limited by credit card trade and bought the commodity volume.And, because be uninscribed,, therefore can not confirm to use detailed catalogue, and use volume not become the preferential object of gained deduction completely by the commodity of commodity volume so who can use.
Also there are a lot of problems in the commodity volume in the transaction of commodity volume.Barter is often followed in the transaction of commodity volume, so can not online transaction or expansion method of commerce.And (cardkang: the illegal circulation of a kind of method of tax evasion in the credit card trade) commodity volume causes guaranteeing the multiple source of tax revenue and limits the result that government's tax policy that camera bellows sells is run counter to desire by what is called card a heatable brick bed.
And the traditional commodities volume has been set commodity volume limit, when commodity volume user buys commodity above commodity volume limit, also must add cash or credit card payment in the commodity volume, has the trouble of " means of settlement dualization ".And, to use volume less than commodity volume limit, when its remaining sum is wanted to be exchanged into cash, the one, trouble, the 2nd, the requirement of cash redemption remaining sum also often causes the dispute between distribution shop and the user.
Recently, because government, generally uses sales slip and payment labour cost to the policy of rewards of using credit card and the multiple advantage that credit card trade has between ordinary consumer.
Therefore, in order to solve described commodity degree of rolling problem, more can activate credit card trade, be that the exploitation that roll up the new commodity that utilizes credit card at the center is being carried out just continuously with the card industry.A kind of " based on card vendor's product volume application method of access " is provided in korean patent application 2000-67106 number.It makes the commodity volume according to the purchasing order information of credit card member input with the credit card form, be used as the third party that present receives this card vendor's product volume in the commodity curly hair row amount of money, freely do shopping in the credit card member shop or pay labour cost.But the card vendor's product volume application method that provides in the described patent need be issued the independent card outside the credit card, so a part of credit card member shop refusal uses it.Also have because be uninscribed, so who can use him, detailed catalogue is used in difficult affirmation, therefore still has and can not enjoy the preferential drawback of gained deduction.And, still have and roll up the drawback of the means of settlement dualization that means of settlement is settled accounts outside the purchase volume commodity in use volume of the amount of money surpassing commodity.
Summary of the invention
The present invention seeks to make commodity volumes in a plurality of credit card members shop, all can use, possibility thereby the use that makes sphere of circulation and can buy the commodity volume that the kind restriction significantly alleviates becomes.
Another purpose of the present invention is to eliminate the refusal of part member store to the commodity in use volume, and ensureing all can free commodity in use volume in all shops in the credit card member shop.
Another purpose of the present invention be can be on the credit card trade limit of credit card user the amount of money of additional commodity volume, to increase the limit that credit card user can be concluded the business.
Another purpose of the present invention is not issue independent credit card, and directly commodity in use is rolled up the existing credit card that the possessor holds, thereby reduces required time of distribution neocaine, expense, labour etc.
Another purpose of the present invention is not with uninscribed and with credit card member name commodity in use volume, thereby confirms to use detailed catalogue easily, and it is preferential that it can be enjoyed according to the gained deduction of the commodity volume amount of money.
Another purpose of the present invention is when surpassing the shopping of the commodity volume amount of money, does not carry out the dualization clearing, only uses credit card just can settle accounts easily.
Another purpose of the present invention is the illegal circulation that prevents the commodity volume, improves trading transparency, with the realization of contribution credit office meeting and the raising of the administrative efficiency of collecting taxes.
According to an aspect of the present invention, it provides a kind of method for running of rolling up based on the credit card commodity of credit card trade, and it comprises following several stages: receive the request for utilization of commodity volume by communication network from credit card user; The request for utilization of described reception is identified whether to use described commodity volume; Judge by described qualification result and on the credit card of described credit card user, to set commodity volume limit can the commodity in use volume time.
Be called the company of " credit card commodity volume Co., Ltd. " according to the preferred embodiment of the invention-set up, described company and a plurality of credit card company have set up professional cooperative relationship, and execution is based on the credit card commodity degree of rolling of credit card trade.According to credit card commodity volume Co., Ltd. distribution credit card commodity volume, Fig. 1 shows the credit card commodity and rolls up an example.As shown in Figure 1, on credit card commodity volumes volume face, printed commodity volume issue department, commodity volume authentication number, the commodity volume amount of money, operable credit card catalogue, for the connection number of commodity volume request for utilization and method of attachment etc.Credit card commodity volumes Co., Ltd. receives order from credit card company, according to the intrinsic pattern manufacturing of each credit card company and issue different commodity volumes.The commodity volume of distribution can by commodity roll up Co., Ltd. directly operation agency shop or sell, be passed to ordinary consumer by a plurality of credit card companies that set up professional cooperation with credit card commodity volume company.Commodity volume authentication number is not exposed to the volume face and is printed on the commodity volume volume face with the form that covers.As on-the-spot prize lottery ticket, commodity volumes user scrapes the authentication number part that covers off with coin etc.
Description of drawings
Fig. 1 shows according to the credit card commodity of the embodiment of the invention and rolls up an example;
Fig. 2 is the system construction drawing that utilizes credit card trade operation credit card commodity volume according to the embodiment of the invention;
Fig. 3 is a commodity curly hair row information D B structural drawing;
Fig. 4 is a credit card information DB structural drawing;
Fig. 5 is the process flow diagram that utilizes credit card trade operation credit card commodity volume according to the embodiment of the invention;
Fig. 6 is in the conventional credit card transaction, and the credit card of notice credit card user utilizes the general example of detailed account;
Fig. 7 sets in the credit card trade of commodity volume limit according to the embodiment of the invention, and the credit card of notice credit card user utilizes detailed account;
Fig. 8 is that the credit card in the conventional credit card transaction is sold voucher;
Fig. 9 sells voucher according to embodiment of the invention credit card in the credit card trade of setting commodity volume limit;
Figure 10 is by the commodity volume amount of money being set at the process flow diagram of commodity volume remaining sum operation credit card commodity volume on the credit card payment account according to the embodiment of the invention.
Figure 11 is the cut-away view that can adopt the common computer device of credit card commodity volume application method of the present invention.
Major part symbol description among the＜figure 〉
100: credit card commodity volume utilization system
110: the credit card user terminal
120: credit card commodity volume server
130: credit card company server
140: commodity curly hair row information D B
150: credit card information DB
Embodiment
Describe credit card commodity volume application method and system with reference to the accompanying drawings in detail according to the preferred embodiment of the invention.
Fig. 2 is according to the preferred embodiment of the invention, is all structural drawing that the credit card commodity volume utilization system 100 of commodity volume can be runed in the basis with the credit card trade.
As shown in Figure 2, credit card commodity volume utilization system 100 is made up of credit card commodity volume server 120, credit card company server 130, commodity curly hair row information D B140, credit card information DB150, and the user is connected with credit card commodity volume utilization system 100 by user terminal 110.
Said credit card commodity volume user terminal 110 comprises general wire telephony, mobile phone, PC etc.Credit card commodity volume user can be connected with credit card commodity volume server 120 by multiple communication networks of variform such as cable telephone network, mobile radio communication, internets from terminal 110.
Credit card commodity volumes server 120 can be positioned at credit card company according to credit card company's classification, or is connected with credit card company server 130 by communication network when being positioned at credit card commodity volume company and carries out work.Commodity volumes server 120 by comprise its process deduction server system all work main frames, form for the terminal part of user interface, for the communication network connecting portion that is connected with communication network, data storing unit etc.
The transaction of credit card company server 130 managerial credit cards, it is all carried out and is used in the general utility functions that server is carried out in the conventional credit card transaction.That is, receive from the member store and to admit the request of concluding the business, judge with reference to the credit card information that is stored in credit card information DB150 and whether admit.And, with admitting that the credit card trade information that transaction request receives adds up according to each credit card user, be stored among the credit card information DB.It plays when receiving credit card member shop sale voucher, according to the effect of the step membership payment shop card sales volume that keeps accounts usually.
Commodity curly hair row information D B140 is the DB that stores the commodity volume information of credit card commodity volume Co., Ltd. distribution, and Fig. 3 shows the more detailed structure of commodity curly hair row information D B140.Commodity curly hair row information comprises information such as commodity volume authentication number 141, the commodity volume amount of money 142, the commodity volume term of validity 143, commodity volume issue department 144, commodity volume series number 145, operable credit card catalogue 146.Commodity curly hair row information D B140 is positioned at credit card commodity volume Co., Ltd., and credit card commodity volume server 120 can free access be stored in the information of commodity curly hair row information D B.
Credit card information DB150 is the DB that stores the credit card information of credit card company's distribution, and Fig. 4 shows the more detailed structure of credit card information DB150.Credit card information can comprise information such as credit card identifier 151, credit card trade information 152, credit card trade limit information 153, the credit card term of validity 154, credit card user information 155, credit card trade restricted information 156, credit card password 157, credit card payment account information 158.Credit card information DB150 can or can be runed by a plurality of credit card companies jointly according to each credit card company's operation.Credit card commodity volumes server 120 and credit card company server 130 can free access be stored in the information of credit card information DB.
Fig. 5 is according to the system shown in Fig. 2, utilizes the credit card trade manner of execution process flow diagram of credit card commodity volume.Describe in detail in order to use the credit card commodity to twist in the process of each stage execution below with reference to Fig. 5.
In phase one S100, receive the request for utilization of commodity volume from the user who has credit card.Credit card commodity volume involves in capable credit card trade as the people of present reception or the credit card user of purchase in order to utilize described commodity, at first needs the request for utilization of commodity volume.Receive request for utilization information from commodity volume possessor credit card user in this reception request for utilization stage, described request for utilization information can comprise commodity volume authentication number and the credit card identifier that prints on the commodity volume volume face.Therefore credit card commodity volume Co., Ltd. and the business cooperation that a plurality of credit card companies set up relevant commodity in use volume can use according to credit card commodity volume of the present invention the various credits card of this credit card company distribution.Can print the credit card catalogue that can use on commodity volume volume face, commodity volume possessor can select to want to use the credit card of described credit card commodity volume in a plurality of credits card held of controlling oneself.
In order to receive request for utilization, when credit card commodity volumes server 120 by communication network when the terminal 110 of credit card user receives request for utilization information or credit card user and directly visits the agency shop of credit card commodity volume Co., Ltd. or credit card company's operation or use calling application, request for utilization can be rolled up server 120 from described agency shop terminal transmission to commodity.And, when credit card user uses credit card in the credit card member shop, show according to credit card commodity volume of the present invention, thereby commodity volume server 120 can receive from the request for utilization of member store's terminal transmission the member store.
In order more strictly to judge the legitimacy of credit card commodity volume, additional commodity volume authentication number can be used as the input of request for utilization information to the commodity volume amount of money or commodity volume password to customer requirements.According to the request for utilization information that receives from credit card user, the credit card commodity volume that commodity volume server 120 identification credit card users have.
In stage S110,120 pairs of commodity volume servers receive the request for utilization of commodity volume and identify that the commodity volume uses possibility.Identify that the commodity volume uses the stage of possibility to comprise and utilizes the information that receives from credit card user when receiving the request for utilization of commodity volume to judge the process of commodity volume legitimacy.Commodity volumes is correct judges it is the volume or because the commodity volume of the mistake mistake input of credit card user of counterfeiting merchandise that has false commodity volume authentication number in order to discern, credit card commodity volumes server 120 reads commodity curly hair row information D B140, compares and draws judgement to the commodity volume authentication number 141 that is stored in described DB with from the commodity volume authentication number that credit card user receives.In another embodiment, commodity are rolled up the authentication number in this stage, when receiving as commodity curly hair row information such as the commodity volume amount of money, also these information and the information that is stored in commodity curly hair row information D B140 can be compared, apply flexibly in the judgement of commodity volume legitimacy.
Among another embodiment, the commodity volume uses the possibility validation phase can comprise that the judgement credit card uses the process of possibility.This process is in order to prevent not my good man's commodity in use volume or based on the expired use that can not carry out the commodity volume of arm's length transaction credit card of credit, utilize the credit card identifier 151 that receives from credit card user in stage S100,120 retrievals of credit card commodity volume server are stored in the credit card term of validity 154 of credit card information DB150 or credit card trade restricted information 156 etc. and can judge.In order to judge that proper credit card user credit card uses the another embodiment of possibility, stage S100 can comprise the process that credit card identifier 151 that 120 pairs of credit card commodity volume servers receive from credit card user and credit card password 157 and the information that is stored in credit card information DB150 compare.
When in stage S110, being judged as operable commodity volume, on the credit card of credit card user, set the commodity volume limit that is equivalent to the commodity volume amount of money among the stage S120.
In the most of credit card trade that uses, the credit card trade limit is integrated by lump-sum payment, monthly payment plan, cash service limit and is formed at present.Credit card user is subjected to described limit, and its credit card trade is restricted.These each limits are decided the credit worthiness evaluation of credit card user according to the credit card trade resume of credit card user by credit card company usually.
The setting of commodity volume limit according to the present invention, additional commodity volume limit produces new credit card trade limit on the credit card trade limit that the conventional credit card user holds, and credit card user can carry out the credit card trade of additional commodity volume trading limit.
In order to set commodity volume limit, commodity volume server 120 directly reads information among the credit card information DB150, can upgrade the credit card trade limit information 153 of related credit card user credit card identifier.Or in another embodiment, commodity volume server 120 can be set the request of commodity volume limit to credit card company server 130 transmission, credit card company server 130 is replied described limit and is set, and upgrades the credit card trade limit information 153 in the credit card information DB150.
As mentioned above, illustrated that credit card commodity volume possessor appends the method for setting the commodity volume limit that is equivalent to the commodity volume amount of money at the credit card of oneself, will illustrate the method that credit card user utilizes the commodity volume limit of described setting to carry out credit card trade and clearing below.
Described in the object of the invention in front, the application method that the credit card commodity are rolled up according to the present invention not needs is issued credit card separately, the existing credit card that can use credit card user to hold.When the member store utilized credit card to conclude the business, the program of carrying out between credit card user, member store, credit card company was almost identical with the credit card trade program.Promptly, the credit card that the member store utilizes credit card user to provide is permitted to credit card company's requests transaction, to the permission signature of credit card company, the information of this related credit card transaction is stored in credit card information DB150 with credit card trade information 152 to credit card user on credit card sale voucher.Credit card company server 130 is accessed in the credit card trade information 152 that credit card information DB150 stores, with this information serves as that basis printing credit card on the credit card detailed account uses detailed catalogue, notify its content to credit card user, credit card user is at the predetermined clearing Settlement Date notice amount of money.Credit card member shop statistics credit card is sold voucher, requests for payment to credit card company, and credit card company pays the member store difference deduct the routine expense from the settlement amounts that credit card user keeps accounts after.
Fig. 6 A and 6B are in the conventional credit card transaction, and the credit card of notice credit card user utilizes the general example of detailed account.Fig. 6 A illustrates the request content that credit card utilizes expense, and Fig. 6 B shows credit card and utilizes detailed catalogue.
Fig. 7 A, 7B set according to the present invention in the credit card trade of commodity volume limit, utilize an example of detailed account to the credit card of credit card user notice.Credit card company server 130 removes and utilizes detailed account in order to make credit card, usually outside the credit card trade information 152 that access credit card information DB150 stores, also append access credit card trade limit information 153, judge that how many commodity volume limits of setting has, and utilizes detailed account to its reaction and making credit card.Promptly, when the credit card use volume of the credit card user of retrieving from credit card information DB surpasses commodity volume limit, credit card company server 130 is calculated as the credit card user settlement amounts to the amount of money of credit card use volume deduction commodity volume limit, again commodity volume limit is set at " 0 ", again it is stored among the credit card information DB150.If when credit card used volume in commodity volume limit, credit card company server 130 was set at new commodity volume limit to the surplus commodities volume limit of deduction use volume, and it is stored among the credit card information DB150.Program and the period set when this surplus commodities volume limit asks to exchange according to the user, can exchange.If during no redemption request, surplus commodities volume limit is reset to new commodity and rolls up limit, and can use in next month or the credit card trade after it.
Shown in Fig. 6 A to Fig. 7 B, though the credit card of credit card user uses detailed catalogue identical, in Fig. 7 A and Fig. 7 B, append the commodity volume limit of having set 500,000 yuan, the amount of money of therefore deducting it is exactly the actual amount of money that will settle accounts of credit card user.
In one embodiment of the invention, when the credit card user utilization is appended the credit card of setting commodity volume limit and carried out credit card trade, at first eliminate commodity volume limit.When surpassing the turnover of commodity volume limit, append and eliminate the one-time payment limit.According to this embodiment, corresponding credit card use volume upgrades commodity volume limit one time in each credit card trade.That is, the commodity of credit card company server 130 access credit card trade limit information 153 volume limit uses the deduction credit card commodity volume limit of volume to be updated to new commodity volume limit, and it is stored in credit card trade limit information 153 again.If credit card use volume surpasses existing commodity volume limit, credit card company server 130 is updated to " 0 " to the commodity of credit card trade limit information 153 volume limit, its difference is appended eliminate the one-time payment limit.And whether credit card company server 130 stores credit card trade in credit card trade information 152 and rolls up limit or eliminate the information that the one-time payment limit is carried out by commodity, makes it can utilize described information when the making credit card utilizes detailed account.
Fig. 8 is that the credit card in the conventional credit card transaction is sold voucher.As shown in Figure 8, " sell and distinguish " of representing at credit card sale voucher shows whether credit card trade is " one-time payment " or " monthly payment plan ".
Fig. 9 sells voucher according to credit card in the credit card commodity volume application method of the present invention.As shown in Figure 9, credit card company server 130 when credit card trade be when carrying out in commodity volumes limit, admitting, sell in credit card the sales territory subfield of voucher and put on " commodity volume ".Promptly, when admitting credit card trade, commodity volume limit in the credit card company server 130 access credit card trade limit information 153 is eliminated commodity volume limit or one-time payment limit according to described commodity volume limit, to admit credit card trade and put on its result in " sell and distinguish " hurdle.And, can sell at credit card according to the credit card commodity of Fig. 9 volume application method and to put on remaining commodity volume limit on the voucher.As shown in Figure 9, credit card company server 130 is sold on the voucher with commodity volume residue limit at credit card and is put on the commodity volume limit of upgrading when admitting credit card trade.
As mentioned above, credit card user is sold voucher by credit card and can know that credit card trade admits to set up in credit card commodity volume limit, and can grasp present surplus commodities volume limit immediately when carrying out credit card trade.And credit card user can be seeked advice from credit card trade detailed catalogue and surplus commodities volume limit to credit card company or credit card commodity volume Co., Ltd. by phone or internet in other embodiment.
As mentioned above, utilize the credit card trade method of credit card commodity volume, when the credit card form is " account trading card ", also can use.Said " account trading card " is the card of credit card limit for " 0 " unit, and its account trading is with vanilla transaction is different usually.When member store's requests transaction was permitted, whether the amount of money that at first will confirm its bank account of being connected with credit card more than credit card use volume, could allow to use then, and remaining program is with generally the credit card program is identical.If credit card commodity volume of the present invention is used in the account trading card, credit card commodity volume server 120 or credit card company server 130 produce the credit card trade limit of the account trading card that is equivalent to the commodity volume amount of money again, can be used in the transaction of appending the account trading card.
Figure 10 is according to still another embodiment of the invention, is on the credit card payment account commodity volumes amount of money to be set at commodity volume remaining sum and it is applied flexibly process flow diagram in credit card trade.Both, as shown in Figure 5, not on credit card, the commodity volume amount of money to be set at the commodity volume limit amount of money, but on the credit card payment account of credit card user, commodity are rolled up the imaginary remaining sum that the amount of money is set at " commodity volume remaining sum ", when the making credit card utilized detailed account, the amount of money that is equivalent to described remaining sum from credit card use volume deduction was notified the user as credit card user clearing volume.
Process at program S200 and same compatible procss S100 of program S210 and program S110.On the credit card payment account, set the commodity volume remaining sum that is equivalent to the commodity volume amount of money among the program S220.In order to set commodity volume remaining sum, commodity volume server 120 direct access credit card information DB150 in the credit card payment account information 158 additional commodities volume remaining sum of credit card user credit card identifier, thereby can set commodity volume remaining sum on described account.In another embodiment, commodity volume server 120 is set commodity volume balance request to credit card company server 130 transmission, credit card company server 130 is replied described commodity volume remaining sum and is set request, upgrades the credit card payment account information 158 in the credit card information DB150.When according to the embodiment shown in Figure 10, when credit card is set the commodity volume remaining sum that is equivalent to the commodity volume amount of money, comprise being equivalent to the program of the amount of money of described remaining sum from credit card use volume deduction when the notice credit card utilizes detailed account as user's settlement amounts.Promptly, utilize detailed account in order to make credit card, the credit card trade information 152 that credit card company server 130 stores in common access credit card information DB150, also by appending access credit card payment account information 158, to judge how many commodity volume remaining sums of setting has, reflect that it is made credit card and utilizes detailed account.
Not adopting setting commodity volume limit, append the described embodiment that produces commodity volume remaining sum on the credit card payment account and adopt, be useful in the situation that the credit card form is a settlement accounts equally.When promptly sticking into the row transaction, use the settlement accounts remaining sum of volume and additional commodity volume remaining sum to compare, make and admit to determine to set up credit card with account trading.
The structure of setting commodity volume remaining sum on credit card or account trading card settlement accounts has been described among the as above embodiment of relevant Figure 10.But be not only the settlement accounts of credit card user, can also use the same method on other imaginary accounts of credit card user appointment and set commodity volume remaining sum, the clearing credit card uses volume, makes credit card and utilizes on the method for detailed account and also be suitable for.
As mentioned above, the commodity volume application method and the system that utilize credit card have been described, multi-form but the present invention can show as, the embodiment that it is not limited in this explanation.
According to the present invention,, can expand the utilization of credit card commodity volume in the uninscribed card transaction to by described embodiment.That is, credit card commodity volume possessor according to the present invention sets the amount of money that is equivalent to the commodity volume amount of money on the uninscribed card of oneself as commodity volume limit, can carry out uninscribed card transaction in the limit of setting.Eliminate the commodity of so setting and roll up after the limit, on described uninscribed card, can reset the commodity volume limit of relevant new commodity volume, thereby the uninscribed row card that sticks into of filling is concluded the business repeatedly.
But embodiments of the invention comprise and comprise the media of execution by the interpretation computer of the program command of multiple computer realization work.But described interpretation computor medium can comprise program command, data file, data structure etc. alone or in combination.The program command of media of the present invention may also may be the in common knowledge and operable things of computer software industry personnel for the present invention sets composition especially also.Form and carry out and the hardware unit of special formation but interpretation computer record media comprises magnetic media (magnetic media) optical recording media of etc.ing of hard disk, floppy disk and picture tape, read stored routine orders such as magnetic-light (magneto-optical media) media of floppy disk and ROM, RAM, flash memory as light.Described media also can be light or the transmission mediums such as metal wire, waveguide pipe that comprise signal carriers such as the order of transmission designated program, data structure.Not only comprise the machine language of making by program compiler in the example of program command, also comprise the higher level lanquage coding that uses interpretive routine to carry out by computer.
Figure 11 is the common computer device cut-away view that can use according in the credit card commodity volume application method of the present invention.
Computer apparatus 1100 comprises and comprises the above processor 1110 that the primary memory of random access memory (RAM:Random AccessMemory) 1120 with ROM (read-only memory) (ROM:Read OnlyMemory) 1130 is connected.Processor 1110 is also referred to as central processing unit CPU.As knowing altogether in the art, ROM (read-only memory) 1130 has the effect to CPU one-way transmission data and order, and random access memory 1120 mainly is used in bi-directional transfer of data and order.But ROM (read-only memory) 1130 and random access memory 1120 can comprise some suitable form of media of interpretation computer.Mass storage 1140 and 1110 two-way connections of processor provide the supplemental data memory function, but also can be some in the described interpretation computer record media.Mass storage 1140 is used for stored routine, data etc., normally, and than the slow-footed auxilary unit of primary memory as hard disk.Also can use specific mass storage as CD ROM (read-only memory) 1160.Processor 1110 is connected with the output/incoming interface 1150 more than of exporting/go into device as video display, tracking ball, mouse, keyboard, microphone, touch screen type display, card reader, magnetic or paper tape decipherer, sound or Character Font Recognition device, composing stick or other disclosed computer.Last processor 1110 can be connected with the wired or wireless communication network by network interface 1170.Connect the program that to carry out described method by this network.Described device and instrument are the technology that computer hardware and software technology field personnel know altogether.
Described hardware unit moves above software pattern operation of use in order to carry out the present invention.
[utilizing possibility on the industry]
As mentioned above, credit card commodity volume according to the present invention uses, and commodity volume user can select arbitrarily Therefore the credit card kind can at all member store's commodity in use volumes of a plurality of credit card companies, can make With greatly alleviating the logical scope of commodity plume and selling the commodity volume of kind restriction.
And, use according to credit card commodity according to the present invention volume, do not need to issue separately credit card and passable Utilize existing credit card, solved part member store and refused the problem that commodity in use is rolled up, can reduce and send out Time and the expense of row neocaine.
And credit card commodity volume according to the present invention uses, and the commodity volume uses take credit card trade to base Plinth forms, so can inquire about the side by the detailed catalogue of utilizing of the detailed account of credit card utilization or credit card company Just confirm that the commodity volume utilizes detailed catalogue. Utilize this effect to be used as son to credit card commodity volume of the present invention Woman's pocket money card uses. That is, take minor children's name distribution credit card trade limit as " 0 " unit Credit card, if with children's pocket money set basis on minor's credit card commodity of the present invention volume limit Degree, father and mother just can confirm children's pocket money expenditure detailed catalogue at any time, also can enlarge safety to the minor Credit card trade. Be the utilization of the credit card commodity of the present invention volume on basis according to credit card trade, when losing During the break faith card, on the credit card of new issue, can reset commodity volume remaining sum limit, also can mend Repay the illegal use amount of money of the third party during losing. Can provide multiple additional clothes according to credit card trade Be engaged in, such as credit card being used the services such as zero of volume is deposited, the lot cast of credit card lottery ticket.
And, use according to credit card commodity according to the present invention volume, can increase and be equivalent to commodity volume limit Credit card user transaction limit.
And credit card commodity volume according to the present invention uses, clearing when surpassing the shopping of commodity volume limit Means are also simple.
And, use according to credit card commodity according to the present invention volume, credit card user according to credit card sell with Singly be easy to grasp surplus commodities volume limit.
Claims (13)
1. the credit card commodity based on credit card trade are rolled up application method, comprise following program:
Receive the request for utilization of commodity volume by communication network from credit card user;
The request for utilization of described reception is carried out whether using the evaluation of described commodity volume; And
Described qualification result is judged as in the time of can using described commodity to roll up, and sets commodity volume limit on the credit card of described credit card user.
2. the credit card commodity based on credit card trade are rolled up application method, comprise following program:
Receive the request for utilization of commodity volume by communication network from credit card user;
The request for utilization of described reception is carried out whether using the evaluation of described commodity volume; And
Described qualification result is judged as in the time of can using described commodity to roll up, and sets commodity volume remaining sum on the account of described credit card user.
3. according to claims 1 or 2 described a kind of credit card commodity volume application methods based on credit card trade, it is characterized in that the program of described reception request for utilization comprises the commodity volume request for utilization information of commodity volume authentication number and described credit card user credit card information.
4. according to claims 1 or 2 described a kind of credit card commodity volume application methods, it is characterized in that described evaluation program also comprises judges that credit card uses the process of possibility based on credit card trade.
5. according to claims 1 or 2 described a kind of credit card commodity volume application methods, it is characterized in that described method also comprises the program according to the limit decision credit card payment volume of the commodity volume of described setting based on credit card trade.
6. according to claims 1 or 2 described a kind of credit card commodity volume application methods, it is characterized in that described credit card is the account transaction card based on credit card trade.
7. according to claims 1 or 2 described a kind of credit card commodity volume application methods, it is characterized in that described method also comprises the sales territory branch that indicates credit card sale voucher according to described commodity volume limit based on credit card trade.
8. according to claims 1 or 2 described a kind of credit card commodity volume application methods based on credit card trade, it is characterized in that described method also comprises the program of upgrading described commodity volume limit when admitting credit card trade and selling the commodity volume limit that indicates described renewal on the voucher at credit card.
9. according to the described a kind of credit card commodity volume application methods of claims 2, it is characterized in that described credit card user account is some in the specified imaginary account of described credit card payment account or credit card user based on credit card trade.
10. credit card commodity are rolled up the utilization system, comprising:
From credit card user receive the request for utilization of commodity volume, to the request for utilization of described reception carry out whether using described commodity volume evaluation, and described qualification result be judged as the credit card commodity volume server of setting commodity volume limit can use described commodity volume the time at the credit card of described credit card user;
The credit card company server of managerial credit card transaction;
Store the commodity curly hair row information storage means of described credit card commodity curly hair row information; And
Store the credit card information store means of described credit card information.
11. roll up the utilization system according to claims 10 described a kind of credit card commodity, it is characterized in that, receive the credit card information that receives commodity volume authentication number and described credit card user when described commodity are rolled up request for utilization.
12. roll up the utilization system, it is characterized in that described credit card company server is according to the commodity volume limit decision credit card payment volume of described setting according to claims 10 described a kind of credit card commodity.
13. roll up the utilization system according to claims 10 described a kind of credit card commodity, it is characterized in that described credit card is the account trading card.
Applications Claiming Priority (6)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR1020020017709 | 2002-04-01 | ||
| KR20020017709 | 2002-04-01 | ||
| KR1020020067540 | 2002-11-01 | ||
| KR20020067540 | 2002-11-01 | ||
| KR1020030015291 | 2003-03-12 | ||
| KR10-2003-0015291A KR100445868B1 (en) | 2002-04-01 | 2003-03-12 | System and method for operating a gift certificate on the basis of credit card transactions |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1647083A true CN1647083A (en) | 2005-07-27 |
Family
ID=28678756
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CNA038076381A Pending CN1647083A (en) | 2002-04-01 | 2003-03-24 | System and method for operating a gift certificate on the basis of credit card transactions |
Country Status (5)
| Country | Link |
|---|---|
| EP (1) | EP1490810A4 (en) |
| JP (1) | JP2005521959A (en) |
| CN (1) | CN1647083A (en) |
| AU (1) | AU2003214673A1 (en) |
| WO (1) | WO2003083750A1 (en) |
Families Citing this family (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| JP5784346B2 (en) * | 2011-04-06 | 2015-09-24 | 株式会社日本総合研究所 | Electronic voucher gift giving device, electronic voucher gift giving method, and electronic voucher gift giving program |
Family Cites Families (4)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR20010076644A (en) * | 2000-01-27 | 2001-08-16 | 김선섭 | Method for selling an exchange ticket using e-mail address |
| KR20010086559A (en) * | 2000-03-02 | 2001-09-13 | 이호석 | System for redeeming gift certificates in electronic business transactions |
| KR100386331B1 (en) * | 2000-11-13 | 2003-06-02 | 삼성카드 주식회사 | Prepaid card management method and apparatus in which a registration based on a password is performed before use |
| KR20010044684A (en) * | 2001-03-16 | 2001-06-05 | 정상원 | Monetary settlement system and method for member shop using credit card and mobile communication |
-
2003
- 2003-03-24 JP JP2003581098A patent/JP2005521959A/en active Pending
- 2003-03-24 CN CNA038076381A patent/CN1647083A/en active Pending
- 2003-03-24 WO PCT/KR2003/000566 patent/WO2003083750A1/en active Application Filing
- 2003-03-24 EP EP03710491A patent/EP1490810A4/en not_active Withdrawn
- 2003-03-24 AU AU2003214673A patent/AU2003214673A1/en not_active Abandoned
Also Published As
| Publication number | Publication date |
|---|---|
| EP1490810A4 (en) | 2006-05-17 |
| WO2003083750A1 (en) | 2003-10-09 |
| EP1490810A1 (en) | 2004-12-29 |
| JP2005521959A (en) | 2005-07-21 |
| AU2003214673A1 (en) | 2003-10-13 |
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