KR100408765B1 - Method for referring a breakdown of credit transation on internet and system using the same - Google Patents

Abstract

The present invention relates to a system and method for verifying a deposit history of an authorized credit card transaction using the Internet, comprising: first card approval information and at least one first authorization information including daily approval history information according to a consumer's credit card payment from at least one Bansa server; Receives the second card approval information including the authorization information from the credit card company server, and stores them in the storage unit, respectively, and searches for a match between the first card approval information and the second card approval information to search for missing or deleted transactions. It is possible to find and re-deposit and provide an accurate deposit service through the computer terminal of the merchant side capable of Internet communication.

Large merchants with frequent credit card transactions can easily check the discrepancies between credit card sales slips and deposits provided by card companies through computer terminals, which can save a lot of time and effort in determining the exact daily deposit status. In addition, the card company side is reducing the claims of the merchant side, the merchant side has the effect of ensuring the transparency of credit card transaction deposit amount by confirming whether or not.

Description

Method for referring a breakdown of credit transation on internet and system using the same}

1 is a block diagram showing a conventional card approval system.

First, in the conventional card approval procedure, when a customer stops at a store and trades with a card, a credit card checker equipped with its own modem provided at the point where the transaction is made, and a card reader or the card reader connected to the interface module are installed. Check the card with your computer.

Then, the information such as the card number and the transaction date of the checked card is transmitted through a public card network (PSTN) 101 or a wireless network 102 through a credit card inquiry device or a card reader means equipped with a communication means such as the modem or the interface module. And, via the dedicated network 103 is sent to the bansa 104 to request the approval of the card transaction, the bansa 104 is requested to be connected to the credit card company and wired / wireless communication dedicated network 105, the card The card transaction approval signal is transmitted to the credit card company 106, and the transaction approval signal is returned from the credit card company 106. The system is notified to a branch credit card checker or card reader.

In general, a large merchant or a general company with frequent credit card transactions can understand the sales status of the day only by the sales slip of the merchant side when the daily sales status is grasped. If you find a point, sometimes you don't know it.

This is because in the conventional card approval procedure, there is an approval history at the card company 106 due to a communication failure or the like that may occur in the process of transmitting card related information between the bansa 104 and the card company 106, and the bansa side 104 is present. This is because there is no approval history, and on the contrary, the bansa 104 has approval history, but the card company 106 does not have the approval history. That is, the card approval request information read by the card reader provided in the affiliated store 100 is transmitted to the bansa 104 and the card approval request information received by the bansa 104 is transmitted to the card company 106. In the process, the card company 106 refers to communication failures that occur in the process of allowing the card approval and sending it to the bansa side. Therefore, in spite of normal card transactions, there is a case where there is no accurate deposit or delay from the card company 106, so that the merchant side has a lot of difficulties in figuring out the daily sales status.

In addition, it is very difficult to confirm whether or not the deposit is made for one person by the total deposit method of the current card company 106, and in order to confirm this, the amount, transaction date, approval number, etc. displayed on all sales slips held by the merchant side It is cumbersome to check whether the credit card company's deposit details match with offline at any time.

Accordingly, the present invention has been proposed to solve the above problems, and provides first card approval information including daily approval history information from a plurality of bansa servers and second card approval information including the approval history information from a credit card company server. Receive and store them in a separate storage unit, and receives the corresponding payment history information from the credit card company server according to whether the first card approval information and the second card approval information match, it is a computer terminal of the merchant side It characterized in that the transmission to.

Therefore, the present invention downloads and stores the deposit history information including the card approval information from the bansa server and the card company server at predetermined intervals, and transmits the information to the affiliated computer when requesting information from the affiliated computer. Detects the discrepancy between the credit card approval and the deposit history caused by the communication failure at the early stage, and solves the previous problem that could not be confirmed by the current card company's collective deposit method. The purpose is to check whether or not.

1 is a block diagram of a conventional card approval system

Figure 2 is a complete block diagram of the deposit confirmation system using the Internet according to the present invention

3 is a flowchart in which a user of an affiliated computer implements the present invention.

4 is a diagram illustrating an example of output according to the processing result of FIG. 3.

Figure 5 illustrates an embodiment of a deposit history confirmation method according to the present invention.

* Explanation of symbols for main parts of the drawings

203: network connection unit 204: first interface unit

205: server unit 205a: web server

205b: search server 206: storage unit

206a: member information storage unit 206b: bansa information storage unit

206c: card company information storage unit 207: bansa server unit

208: card company server unit

In order to achieve the above object, the present invention is provided with a communication device to enable data communication through a wired / wireless communication line, and a server unit and a plurality of bansa server and card company server for managing the data transmitted through the communication equipment An invention comprising a bansa information storage unit for storing the data transmitted from the card company information storage unit,

When the consumer's credit card is used, first card approval information including the consumer's daily card approval history information and the consumer's card number information corresponding to each daily card approval history information is transmitted from the bansa server to the server unit at predetermined intervals, and the transmission is performed. The first card approval information is separately stored in the bansa information storage unit. In addition, when the payment amount of the credit card company payment, the payment history information according to the payment amount and the corresponding second card approval information is transmitted from the credit card company server to the server unit, and the transmitted information is stored in the card company information storage unit. do.

Then, if there is a request for inquiry of the payment history related to the sales from the affiliated party connected through the Internet, the server unit inquires the storage unit (bansa information storage unit, card company information storage unit), respectively, and approves the first and second card of the corresponding merchant. It is determined whether the information matches, and according to the determination result, the matching daily approval history information of the affiliated store and the payment amount deposit information of the affiliated store are determined by the card type, card company name, deposit amount by card company, installment period, merchant fee, It is classified into an authorization number, an approval date and time, and a deposit check item and transmitted to the affiliated computer. In the case of mismatched card approval information, the error history information along with a predetermined error message is transmitted to the affiliated computer.

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

2 is a block diagram showing the entire payment history confirmation system using the Internet,

The plurality of affiliated computer computers 201 connect to the server unit 205 via the network connection unit 203 and the first interface unit 204 via the Internet 202. The server unit stores the card-related information provided by the bansa server 207 and the card company server 208 at predetermined intervals in the storage unit 206 for each item, and requests the information of the affiliated store from the server unit 205. It is configured to extract necessary information under management and provide it to the affiliated computer 201.

More specifically, the merchant computer 201 is a computer used by a large merchant or general company for requesting daily deposit details for which a large number of credit card transactions are performed, and a general personal computer having a web browser may be used.

A user of the affiliated computer 201, etc., accesses the Internet 202 using the web browser, and then deposits the payment history information of each affiliated store provided from the server unit 205 into an HTML (HyperText Markup Language) document. You can download the processed data and check the information.

The network connection unit 203 is for performing data transmission and reception with the affiliated computer, which is preferably an internet connection device such as a hub or a router.

In addition, the first interface unit 204 supports a plurality of communication protocols required for data transmission and reception with the affiliated computer 201 and performs packet conversion between an IP packet and an Ethernet.

The server unit 205 is a web server 205a which performs a user registration and log-in process for the user of the affiliated computer computer and processes and transmits the related information into a web document based on URL information transmitted from the web browser of the affiliated computer. And the retrieval server 205b for retrieving and extracting the related daily payment history information from the storage unit based on the information selected / inputted by the user of the affiliated computer to confirm the daily payment history information.

In addition, the server unit 205 is connected to a plurality of bansa server 207 and the card company server 208 via a wired / wireless dedicated communication network is transmitted from the bansa server 207 and the card company server 208 at predetermined intervals. In order to receive information, a separate dedicated network connection unit 209 and a second interface unit 210 are provided.

The storage unit 206 is a member information storage unit 206a for storing member registration information such as member ID, password, resident number, address, name, phone number, merchant name, merchant ID of the affiliated user, and the bansa server. Bansa information storage unit 206b and the corresponding credit card company that receives and stores the first approval information including the daily approval history information according to the consumer's credit card payment and the card number information of the consumer corresponding to each daily approval history information. If the payment amount of the payment is received from the card company server 208 is configured to receive the payment information and payment information corresponding to the second card approval information and the card company information storage unit 206c for storing it.

Hereinafter, the operation of the present invention having the above configuration will be described.

3 is a flowchart for explaining an embodiment in terms of a user (hereinafter referred to as a "user") of the affiliated store computer 201.

First, the user accesses the website of the present invention through an affiliate computer 201 capable of internet communication in order to request the payment history information of the credit card company. (Step 301) In this case, the user who is a member of the website registers himself / herself. Enter your ID and password and log in. If you are not registered, you will log in to this website after a certain membership registration process of entering personal information such as address and phone number. (Step 302-step 305)

Predetermined user information entered in the membership registration procedure is automatically stored in the member information storage unit, and then the user inputs his / her affiliated store detailed information in order to confirm the deposit history information transmitted from the card company to his / her affiliated store. . (Step 306)

The detailed information may include, for example, a merchant code, a merchant name, a representative resident code, a business registration number, a registration date, a termination date, an address of a merchant, a phone number, a deposit account bank, and the like.

After that, the user inputs the billing date, which is the final input information, in a separate input window for confirming the deposit history information of the desired date, such that the card type, card name, card deposit amount, fee, etc. as shown in FIG. Deposit details classified by item and time zone are displayed in the form of a web page, and the user confirms this (step 308).

5 is a flowchart illustrating an embodiment of a deposit confirmation system of the present invention.

At least one Bansa server 207 includes a customer's card number information corresponding to the daily approval history information, including the authorization number, approval date, merchant name, merchant code number, etc. First card approval information

It is transmitted to the server unit 205 providing the daily payment history inquiry service of each affiliated store every predetermined cycle. (Step 501).

The first card approval information is separately stored in the bansa information storage unit 206b of the server unit 205 according to a predetermined affiliated store code assigned to each affiliated store at each predetermined period. (Step 502).

In addition, the credit card company, if there is a payment amount payment of the credit card company according to the payment request of each merchant, the payment information payment information and the corresponding second card approval information from the corresponding card company server 208 is the server unit ( 205) is transmitted every predetermined period (step 503), and the second card approval information and payment payment information are separately stored in the card company information storage unit of the server unit 205 according to a predetermined merchant code assigned to each merchant. . (Step 504)

In addition, the payment amount deposit information is classified and stored according to the merchant code,

The deposit information classified by the affiliated store codes is sorted in ascending order to perform a binary search, which will be described later.

Thereafter, if there is a daily deposit history inquiry request from the affiliated computer computer 201 connected through the Internet, the server unit 205 queries the bansa information storage unit 206b and the card company information storage unit 206c of the corresponding merchant. It is determined whether the first and second card approval information match. (Step 505)

In particular, the determination of the match is performed by a search server 205b provided in the server unit, and binary search is performed to determine whether the first and second card approval information match.

That is, the bansa information storage unit 206b extracts one card number, lists the second card approval information stored in the card company information storage unit 206c in ascending order, and divides the information listed in a specific order into two parts. The operation of searching for only one part is repeated to find the same value as the one card number extracted from the bansa information storage unit, and compare the same.

In addition, the above process is not performed for any one card number, but in the bansa information storage unit 206b, all card information corresponding to the billing date input by the user of the merchant computer 201 in step 307 of FIG. The extracted second card approval information and the deposit history information are collectively searched for extraction.

According to the determination result of the match, the matching daily approval history information and payment amount payment information of the corresponding merchant from the server unit 205 is transmitted to the affiliated computer computer 201 for the daily approval history information that does not match The error history information along with a predetermined error message is transmitted to the affiliated computer 201. (Step 506 to Step 510).

On the other hand, the present invention is not limited to the above-described embodiment, of course, it can be modified by those skilled in the art without departing from the technical spirit of the present invention.

For example, in the embodiment of the present invention focused on the process of confirming the payment history, in step 503 of FIG. 5, the information provided from the card company is not limited to the second card approval information and the payment history information, card overdue, transaction amount Of course, it is also possible to receive the card-related information, such as the limit exceeded, lost card theft.

As described above, the present invention has the following effects.

First, it is easy to check the deposit history information error due to communication failure between Bansa server and card company server on the web.

Second, the present invention can be confirmed in detail with the card approval information, even if the daily payment for even one person compared to the conventional one that could not be confirmed whether the deposit by the card company's collective deposit method.

Third, due to the above effects, it is possible to reduce the claims for the card company from the merchant side.

Fourth, it can be said that the effect is particularly excellent in large affiliated stores with a large amount of card transactions.

Claims (3)

The card approval information including daily approval history information and card number information is received from a plurality of bansa servers and credit card company servers, and the card approval information is determined to be matched. Server unit for transmitting the daily payment history information provided with the card approval information to the merchant computer; A network connection unit for performing data transmission and reception through the server unit and the affiliated computer computer; An interface unit connected to the network connection unit to support a plurality of protocols required for data transmission and reception with the affiliated computer and perform packet conversion; Deposit history information verification system using the Internet, characterized in that consisting of a storage unit for storing the item information and daily credit card information provided from the Bansa server and credit card company server The method of claim 1, The server unit includes a web server for performing user registration and login processing by the user of the affiliated computer computer and transmitting related information through a web document based on URL information transmitted from the web browser of the affiliated computer; Checking the deposit history using the Internet, characterized in that it comprises a search server having an operation program for searching and extracting the daily payment history information from the storage unit based on the information input by the user of the merchant computer system The first card approval information including the daily approval history information according to the consumer's credit card payment from the at least one Bansa server and the customer's card number information corresponding to each daily approval history information provides the daily deposit history inquiry service of each merchant. A first step of transmitting the server unit at predetermined intervals; A second process of storing the first card approval information in the server unit bansa information storage unit according to a predetermined affiliated store code assigned to each affiliated store; A third process of transmitting payment payment information and corresponding second card approval information from the credit card company server to the server unit at predetermined intervals when the payment amount is received from the credit card company; A fourth step in which the second card approval information and payment payment information are separately stored in the card company information storage unit in the server unit according to a predetermined affiliate store code assigned to each affiliate store; In response to a daily deposit history inquiry request from a merchant computer connected through the Internet, the server unit searches the bansa information storage unit and the card company information storage unit, respectively, and determines whether the first and second card approval information of the corresponding merchant match. Fifth process; According to the determination result according to the fifth process, the matching daily approval history information and payment amount payment information of the corresponding affiliate store are transmitted from the server unit to the affiliated store computer, and a predetermined error message is received for the inconsistent daily approval history information. And the sixth process, wherein the error history information is transmitted to the affiliated computer.