KR100377214B1 - Method for credit card service with secondary banking agency's business card - Google Patents

Abstract

The present invention relates to a credit card service system in which a function of a card (cash card, stock card, etc.) affiliated with a second financial institution is integrated with a credit card issued by a credit card company. According to the present invention, the system operator 20 communicates with the card company 10 and the second financial institution 30, respectively, and the affiliate store 50 for the credit card company 10 is credited through the VAN system 40 using the VAN network. As a financial transaction system made in the system connected to the card company 10,

Approving and canceling credit card transactions with My Card,

The card company completes the settlement of funds settlement with the operator and performs the settlement of ambassadors with the affiliated financial institution through settlement with the participating institutions for daily My Card usage history. Ambassador Service,

In the event that the card company and the partner financial institution register lost or stolen information, the card company sends data to the related financial institution for account blocking, and the partner financial institution relays the related data to block the use of the credit card. Lost theft registration agency,

Card issuance relay, which is a relay service of personally identifiable information and related track data according to card issuance,

The card company transfers the payment for the monthly member's credit card usage history to the operator as the operator to settle monthly usage history on the credit card usage history, and the operator relays the transaction to the relevant affiliated financial institution to receive the payment at the relevant affiliated financial institution. It is characterized by consisting of monthly credit card usage payment and payment services for automatic debit processing.

Description

Method for credit card service with secondary banking agency's business card

The present invention relates to a credit card service method in which a function of a card (cash card, securities card, etc.) affiliated with a second financial institution is integrated with a credit card issued by a credit card company.

Currently, since the second financial institution does not have its own credit creation function and external payment system, in order to perform these services, the second financial institution connects the system dependently to the bank, the first financial institution, and the customer of the second financial institution and the second financial institution. It is responsible for transferring funds, remitting and inquiring. However, in order to perform such a task, a second financial institution customer should visit the first financial institution directly or perform a limited financial business in cooperation with a specific first financial institution.

If the credit card issued by the current credit card company can add the function of a card (cash card, securities card, etc.) affiliated with a second financial institution, it can maximize the convenience of the customer's credit card. 1 The applicant has developed the present invention on the premise that the position of the second financial institution competing with the financial institution can be further enhanced.

An object of the present invention is to provide a credit card service method in which a function of a card (cash card, securities card, etc.) affiliated with a second financial institution is integrated with a credit card issued by a credit card company.

1 is a basic configuration diagram of a system according to the present invention.

2 is a flowchart of credit card transaction approval and cancellation operations.

Figure 3a is a professional flow diagram of the settlement ambassador work.

3B is a state diagram showing a state change of a full text.

Figure 3c is a detailed workflow between the card company and the operator.

Figure 3d is a diagram showing the type and flow of the full text occurring in the settlement ambassador work.

4A and 4B are flowcharts of theft loss registration agency service.

5A and 5B are flowcharts of a card issuing relay service.

<Description of Drawing>

Credit Card Company (10), System Operator (20), Second Financial Institution (30), VAN System (40), Merchant (50)

System overview

The basic configuration of the system according to the present invention is as shown in FIG. The credit card company 10 and the operator 20 of the system communicate with the X.25 protocol. The system operator 20 is also communicating with the second financial institution 30 and the relay server in the X.25 protocol. The credit card company 10 may communicate with the VAN system 40, and the credit card terminal 50 may access the VAN system 40 through the VAN network.

In the system of FIG. 1, the communication connection specification between the credit card company 10 and the operator 20 is as follows.

Protocol: X.25 (CCITT 1984 Recommended)

Baud Rate: 9600bps or 56kbps

Duplex type: Full Duplex

Procedure: Link Access Procedure Balanced (LAPB)

Default Window Size: 7

Station Type: Card Company-DCE, Operator-DTE

Logical Channel: 4 / Line

Ack Window Size: 2

Packet Size: 256Bytes

Virtual Circuit: PVC

Code: ASCII Code, KSC5601

In the above specification, the Logical Channel is composed of four lines, and the response method on the Logical Channel is an I / O mode in which requests and responses are operated independently of each other. In response, the responding organization transmits to the logical channel received first, and if an error occurs, it retransmits it to another ideal logical channel once.

In FIG. 1, the business process and data flow between each component will be the configuration and operation of the system according to the present invention, which will be described with reference to the drawings for each task. The work performed by the system operator 20 is as follows. (Hereinafter, according to the present invention, the integrated card service integrated in the credit card of the card company 10 by the card function of the affiliated financial institution 30 will be abbreviated as "My Card".) In the present specification, "partner financial institution" refers to an institution that has entered into a partnership agreement with a system operator according to the present invention as a second financial institution such as a securities company, a trust company, a mutual credit safeguard, a credit cooperative, etc.)

1. My Card transaction approval and cancellation: My Card's credit card transaction approval and cancellation.

2. Settlement Ambassador Service: Perform settlement with participating organizations for daily My Card usage. After the operator completes the settlement of the settlement of funds with the card company, the operator performs the settlement of ambassadors with the partner financial institution to match the criteria of the transaction with the count of the card company.

3. Lost theft registration agency: This is a task of notifying the related organizations when theft is registered by the card company and the affiliated financial institution. Card companies transmit data for account blocking of affiliated financial institutions, and affiliated financial institutions relay related data to block credit card use. The operator relays the transmission and reception of the stolen lost registration request text containing the card number.

4. Card issuance relay: It is a task to relay personal information and related track data according to card issuance.

5. Monthly credit card usage payment and payment: It is a service to settle monthly usage history of credit card usage history. When the credit card company transmits a monthly collection of credit card usage details to the operator, the operator relays the payment to the affiliated financial institution, and the related affiliated financial institution performs automatic payment processing for the collection of the money.

If the above tasks are classified according to the full text (data) to be exchanged, they can be classified into an online processing full text and a batch processing full text. The online processing text includes credit card transaction approval and cancellation, theft loss registration and release, settlement ambassador service, and card issuance service, and the batch processing text corresponds to monthly credit card payment and payment service.

The process of each task

A processing process of each of the tasks performed by the system operator 20 will be described with reference to the drawings.

1. Credit card transaction approval and cancellation (Fig. 2)

1.1 Business Process Details

end. Moderator (20)

Transaction request (②) transmission work-if a transaction occurs in the merchant 50 and the transaction request is delivered (①), the transaction request data is transmitted to the card company.

Receive My Card transaction request (③)-When you receive the entire message ③, classify by the relevant affiliated financial institution and request the My Card transaction to the affiliated financial institution that replaced the transmission time of the affiliated financial institution (④).

Receive My Card transaction response (⑤)-If you receive the ⑤ message from a partner financial institution, count and process the My Card transaction response (⑥) message to the relevant card company after counting it based on the message transmission date. Send.

Receive transaction response (⑦)-When you receive the message ⑦ from the card company, respond to the merchant (⑧).

I. Card company (10)

Receive transaction request (②) task-In case of My Card service when receiving ② message from the operator, send the entire message of My Card transaction request (③) to the operator within 5 minutes except re-request under the same approval condition. .

Receive My Card transaction request (⑥) task-When receiving the ⑥ message from the operator, the transaction response message (⑦) is sent to the operator, and if the transaction is approved or canceled and is a normal response, the settlement is processed based on the date of transmission of the message. do.

All. Partner financial institution

Receive My Card transaction request (④)-If you receive the full text ④ from the operator, if approved, the transaction request amount and the amount of your account balance in My Card will be investigated. In addition, when the cancellation request is made, any cardholder of the card company handles the transfer of funds to the corresponding account of My Card, and transmits the entire reply message (⑤) to the operator. When the transaction account is processed normally, the settlement is processed based on the date of the professional transmission sent by the operator.

1.2 Error Handling

end. Card company error handling

When My Card transaction request (③) fails-If the response wait time is exceeded (for example, 5 seconds) or if there is a communication line failure with the operator, the response from the partner financial institution is insufficient. In the event of receipt, the credit card company may, at the discretion of the credit card company, give an agency approval using the credit card company's credit, not an approval linked with a financial institution.

My Card Transaction Response (⑥) In case of failure-In case of normal processing response after the waiting time for response is exceeded, the processing is canceled in case of approval and re-approval in case of cancellation.

Incomplete processing on the acknowledgment will be processed until a normal cancellation response is received.

I. Operator Error Handling

My Card transaction request (④) When transmission failure occurs-If the response wait time is exceeded or a communication line failure occurs between the operator and the partner financial institution, the card company rejects the transaction.

My Card Transaction Response (⑤) In case of reception failure-In case of normal processing response after the response waiting time is exceeded, the processing is canceled in case of approval and re-approval in case of cancellation.

My Card Transaction Response (⑥) In case of a failure-If a communication failure occurs, it is ignored if it is not a normal response. In case of normal approval processing, it is canceled and in case of cancellation processing, it is re-approved.

Incomplete processing on the acknowledgment will be processed until a normal cancellation response is received.

All. Partner financial institution

My Card Transaction Response (⑤) In case of a failure-If a communication failure occurs, it is ignored if it is not a normal response and canceled for normal approval processing and re-approved for cancellation processing.

2. Settlement Ambassador Services (Figs. 3a, b, c, d)

FIG. 3A is a diagram showing the professional flow of the settlement ambassador service, and shows the flow of the telegram exchanged between the card company 10, the operator 20, and the financial institution 30. As shown in FIG. Figure 3b is a state diagram showing the state change of the professional, Figure 3c shows the detailed workflow between the card company and the operator.

In order to perform the settlement ambassador business, the card company and the operator perform daily settlement aggregation work before settlement business so that real-time transaction ambassador is possible. In addition, all agencies should deal with incomplete cases before conducting settlement ambassador work. If the card company's settlement and aggregation work is completed, the non-start code is set in the preamble of the settlement ambassador start response to prevent the work from starting and repeat the work start request every 30 minutes.

The operator operates the settlement control DB for each institution to reject the request for settlement ambassadors from affiliated financial institutions when settlement with the card company is not completed. If all the total ambassadors agree, the settlement of the settlement business is finalized. If the total aggregate metabolism does not match, it is possible to narrow the scope of the transaction history metabolism through the aggregated metabolism by institution and the aggregated timeline by institution.

Note 1) If an error message is found through the transaction history ambassador, the authorization that exists in the card company but not in the operator is canceled, and the cancellation can be reconfirmed to match the total amount.

Figure 3d is a table showing the type and flow of the full text that occurs in this task, you can know the communication direction and function of each full text.

The details of the processing by agency of this settlement ambassador service are as follows.

end. Card company-All transactions are based on the card company's counting, and the card company finishes the incomplete processing and all business days before 06:00 am and prepares for settlement ambassador so that it can start the settlement business at 06:00. Be prepared (so you can check your work logging to check for abnormalities after work).

I. Operator-Completion of incomplete processing and total business days before 06:00 AM, and start the settlement ambassador service at 06:00 AM. If an error occurs during the settlement ambassador work, start a new request from the settlement ambassador start request. Any discrepancies found in the settlement ambassador's business will be canceled for approvals that are not present in the card company, and re-approval for the cancellations.

All. Affiliated Financial Institutions-Completion of uncompleted and all business days before 10:00 am and commence settlement of ambassadors at 10:00 am. If the settlement ambassador work between the operator and the card company is not finished, an error is set in the response to start work and the operation cannot be performed, and the retry is performed every 30 minutes. If an error occurs during the settlement ambassador's work, start a new request from the settlement ambassador start request. When the Ambassador is terminated / confirmed, the deposit will be credited to the card company's account.

3. Lost Theft Registration Agent-Explain separately the procedures for cases where theft loss report is requested to the card company and the second financial institution.

3.1 Request for registration to a card company (Fig. 4a)

When the card company registers lost theft, if the card is My Card of the 2nd and 3rd financial institutions, the card company sends the entire lost loss registration request to the operator. If the operator requests a lost registration of the stolen My Card, the operator sends the full lost registration request to the affiliated financial institution. The affiliated financial institution blocks the transaction account corresponding to the card number upon receiving the stolen loss registration request. The full text of theft loss request includes the corresponding card number information.

3.2 Request for registration to a second financial institution (Fig. 4b)

The affiliated financial institution blocks the card when registering the stolen loss of a specific My Card. And the affiliated financial institution sends the full text of the theft request to the operator. If the operator requests a lost My Card theft, the operator sends the full stolen registration request to the card company. The full text of theft loss request includes the corresponding card number information.

4. Card Issuance-Explains the issue of immediate and batch issuance.

4.1 Issuance Immediately (Figure 5a)

When a customer submits data to an affiliate financial institution (①), the affiliate financial institution transmits the relevant data to the operator (②). The operator sends related data back to the card company (③), and the card company sends the card issuing track to the operator (④) for the operator to send back to the partner financial institution (⑤), and the partner financial institution issues the card to the customer. (⑥).

4.2 Issued in bulk (Figure 5b)

When a customer submits data to an affiliate financial institution (①), the affiliate financial institution transmits the relevant data to the operator (②). The operator sends back the relevant data to the card company (③), and the card company sends the response to the card issuer to the operator (④) so that the operator sends it back to the affiliated financial institution (⑤). The card is mailed directly to the customer.

According to the present invention, since the relevant service function is integrated into the customer's deposit account held by the affiliated financial institution for the card issued by the credit card company, the convenience of the financial transaction of the customer can be increased and the status of the card company as the second financial institution can be improved. Can be raised.

Claims (7)

delete In the credit card service method executable on the operator computer connected to the computer of the affiliated financial institution and the card company through a network, and connected to the merchant terminal of the card company through a communication network, A first step of receiving transaction request information from the affiliated store terminal; A second step of transmitting the transaction request information to the card company computer; A third step of receiving, from the card company computer, integrated card service transaction request information in which the card function of the affiliated financial institution is integrated into the credit card of the card company; A fourth step of transmitting the integrated card service transaction request information to the affiliated financial institution computer; A fifth step of receiving, from the affiliated financial institution computer, integrated card service transaction response information according to the result of the transfer process between the corresponding account of the card company and the corresponding account of the integrated card service customer opened in the affiliated financial institution; A sixth step of transmitting the integrated card service transaction response information to the card company computer; A seventh step of receiving transaction response information from the card company computer; And An eighth step of transmitting the transaction response information to the affiliated store terminal; Credit card service method in which the function of the card affiliated with the second financial institution integrated in the credit card, characterized in that comprising a. delete delete The method according to claim 2, A ninth step of generating settlement aggregation information according to the settlement aggregation work corresponding to the integrated card service transaction; A tenth step of transmitting first aggregate metabolic request information to the card company computer; An eleventh step of receiving first aggregate metabolic response information from the card company computer; A twelfth step of checking whether the cardinal ambassadors coincide with each other and performing settlement metabolism; A thirteenth step of receiving second aggregate ambassador request information from the affiliated financial institution computer; And A fourteenth step of transmitting second aggregate metabolic response information to the affiliated financial institution computer; Credit card service method in which the function of the card affiliated with the second financial institution integrated in the credit card, characterized in that further comprises. The method according to claim 2, If a card theft / lost report is requested to the card company, A fifteenth step of receiving, from the card company computer, theft / lost registration request information indicating that the card corresponding to the integrated card service has been stolen / lost; And A sixteenth step of transmitting the stolen / lost registration request information to the affiliated financial institution computer; More, If a card theft / lost report is requested to the affiliated financial institution, A seventeenth step of receiving, from the affiliated financial institution computer, theft / lost registration request information indicating that the card corresponding to the integrated card service has been stolen / lost; And An eighteenth step of transmitting the stolen / lost registration request information to the card company computer; Credit card service method in which the function of the card affiliated with the second financial institution integrated in the credit card, characterized in that further comprises. The method according to claim 2, If it is an instant card issue, A nineteenth step of receiving the relevant document information of the customer from the affiliated financial institution computer and transmitting it to the card company computer; And A twentieth step of receiving a card issuance track from the card company computer and transmitting it to the affiliated financial institution computer; More, If it's a batch card issue, A twenty-first step of receiving relevant document information of a customer from the affiliated financial institution computer and transmitting it to the card company computer; And A twenty-second step of receiving response details of the application for issuing a card from the card company computer and transmitting it to the affiliated financial institution computer; Credit card service method in which the function of the card affiliated with the second financial institution integrated in the credit card, characterized in that further comprises.