KR100845572B1 - Private limit adjustmenting method - Google Patents

Abstract

The present invention relates to a method in which a customer sets and adjusts a payment amount of a card by using a wired / wireless or portable Internet terminal.

   The present invention secures the storage of various cards held by the customer to set and adjust the one-time, one-day, monthly usage amount to the card use, cash service, and card loan service within the usage limit of the card specified by the card company. And maintenance are top priority.

The person who owns the card or the person who enters the usage amount must register and register the certificate currently operated by the card company.The first step is to register the card held by the customer and request the card company to apply for approval.

The process of selecting a target person who can enter the amount used for the approved card in step 2 and requesting the card company to apply for approval,

The process of requesting application for approval by setting or adjusting monthly usage amount once, once a day, monthly, by the approved person in the third step,

In the fourth step, the user can apply for approval by setting and adjusting the one-time and daily usage amount and the number of possible inputs that can be input to the mobile terminal, and the password to be used when adjusting the usage amount with the mobile terminal, and the corrective action in case of a password input error. Referral process,

In the fifth step, the process of requesting for approval by setting the country of use and the period of use when using the card abroad,

In the sixth step, the process of requesting issuance of a card that allows public transportation to be used for public transportation and the application for mediation approval for the convenience of public transportation for children who will be the main customers of the future.

In the seventh step, the process of receiving data requested by the customer for approval, retrieving the information of all customers from the card company database using the received data,

The process of comprehensively analyzing the retrieved data to determine whether to approve, the process of including the approved data in the card company database

It consists of notifying the customer's terminal about the result processed by the card company.

The present invention is to fully utilize the above contents to minimize the damage of customers, merchants, card companies due to illegal, fraudulent use of others, card loss, theft, theft, forgery, card number, password leakage, computer hacking, etc. In addition, public transportation can be used during and after school to actively check and adjust the amount of children's card use to prevent excessive consumption or purchase of impulse, and to activate family card issuance for future children. To give the card the ability to automatically charge the current public transit fares based on the age of the child and the actual date of enrollment.

Card, card loan, cash service, amount used, target person, certificate, internet, mobile terminal

Description

Usage limit adjustment method of card using wired / wireless / portable internet terminal {Private limit adjustmenting method}

1 is a schematic system for requesting an application for approval by a card company by setting a card and setting a usage amount according to a change in a method of using a card using a wired / wireless or portable Internet terminal, which the present invention seeks to notify the customer of the result of processing. Flowchart.

FIG. 2 is a diagram showing an example of a screen for selecting a task required for adjusting a credit card amount in a web page according to one embodiment of the present invention; FIG.

3 is a diagram showing an example of a screen for registering a card held by a customer in a web page according to one embodiment of the present invention;

4 is a view showing an example of a screen for selecting a card number for processing and corresponding contents set in a card registered by a customer in a web page according to an embodiment of the present invention.

FIG. 5 is a diagram illustrating an example of a screen for registering an input target who can apply and adjust a credit amount, an overseas use, or a child's public transportation card for a card selected in FIG. 4 according to an embodiment of the present invention.

FIG. 6 is a diagram illustrating an example of a screen for setting and adjusting a one-time, one-day, monthly usage amount of a card use, cash service, and card loan service on a card selected in FIG. 4 according to an embodiment of the present invention. .

FIG. 7 is a diagram illustrating an example of a screen for inquiring a set of one-time, one-day, monthly usage amount of a card, cash service, and card loan service to a card selected in FIG. 4 according to an embodiment of the present invention. .

FIG. 8 is a diagram illustrating setting and adjusting a method for inputting a usage amount using a mobile terminal, an upper limit amount that can be input, a password registration, and a password input error in the card selected in FIG. 4 according to an embodiment of the present invention. A diagram showing an example of a screen.

FIG. 9 is a diagram illustrating an example of a screen for setting and adjusting a country to be used for foreign use and a period of use for a card selected from FIG. 4 on a web page according to one embodiment of the present invention; FIG.

10 is a flowchart showing a processing procedure of the used liquid adjustment system according to an embodiment of the present invention.

FIG. 11 is a view showing an example of a screen for adjusting a liquid crystal used in a mobile terminal according to one embodiment of the present invention; FIG.

FIG. 12 is a diagram for one example of a screen for inquiring a bill used by a mobile terminal according to one embodiment of the present invention; FIG.

FIG. 13 is a flowchart illustrating an example of a task in which a customer adds and adjusts the amount used in the current process of processing by the card company when paying with a card at an affiliated store in one embodiment of the present invention.

FIG. 14 is a diagram for one example of a screen for a customer to request and adjust an application for issuance of a card having a public transportation function to a child's card while issuing a family card.

   <Description of the reference numerals for the main parts of the drawings>

 100: wired and wireless, mobile Internet

 110: card company web server

 120: card company database

 200: Consumption Adjustment Web Page

The present invention relates to a method of adjusting the usage amount of the card, more specifically, once, daily, monthly use for the use of the card, cash service, card loan service, etc., which were used within the usage amount of each individual, family, and corporation determined by the card company. By subdividing the limit, customers who have a card can freely set and adjust the limit once, daily or monthly using the wired / wireless or mobile Internet terminal, and the customer can select who can set and adjust the limit. How to set the usage amount and number of times per day, which can be input to the mobile terminal, how to register the password to adjust the usage amount using a mobile terminal, how to correct the password input error, and when using the card abroad. How to set and adjust your country's redemption period, and how to issue cards that allow your child to use public transportation Requesting and coordination, receiving the data requested by the customer, retrieving the customer's information from the card company database, and analyzing the retrieved data comprehensively to determine whether to approve the approved data. It relates to a process of recording in the card company database, and a method of notifying the terminal of the customer of the results processed by the card company.

That is, according to the conventional method of using the card, it can be used without limit of the number of times of use and the amount of usage within the range of usage amount set by the card company for each individual, family, and corporation, and the card is lost, stolen, stolen, forgery, card number, In case of illegal or illegal use of other people due to the leakage of password, it can cause enormous damage to all customers, merchants, and card companies. Also, there is no problem that the existing computer processing system can not properly check and adjust the use of cards by spouses, children and corporations. have.

In addition, the conventional public transportation fee standard of the family card issued to the child is set as a rate that is applied to the adult collectively, there is a problem that elementary, middle, high school students can not use public transportation with the family card.

The present invention has been made in order to improve the prior art as described above, a method of setting and adjusting the amount of the card usage amount directly to the card use, cash service, card loan service once, 1 day, monthly use amount, portable terminal How to set and adjust the amount of usage and the number of times that can be entered with How to make adjustments, requesting approval from the card company using wired / wireless or mobile internet terminals, receiving the data requested by the customer, retrieving the information of all customers from the card company database, and retrieved data Process of comprehensively analyzing the And a process, the process that results in a credit card company listed on the site credit card company database aims to provide a method for notifying the information on the customer's terminal.

In addition, an object of the present invention is to provide a method that can be used to differentiate the use fee according to the age and school status of the child in order to facilitate the use of public transportation of the family card issued to the child.

In order to achieve the above object and to solve the problems of the prior art, the present invention

Issuing an accredited certificate and registering the card company;

Registering a card holder and an input target member with the card company;

Registering the card to set and adjust the credit amount;

Registering an input target that can set and adjust a credit amount for the registered card;

Setting and adjusting the usage amount selected by the customer from the one-time, one-day and monthly usage amount for the card use, cash service, and card loan service by the input target;

Setting and adjusting a usage amount that can be set by the mobile terminal, a number of possible inputs, a password registration, and a countermeasure in case of a password input error;

Setting and adjusting a period of use of the country of use in a foreign country;

The customer applies for and coordinates the issuance of a card that their child can use on public transportation,

Requesting an authorization application from the card company for the contents set and adjusted by the customer;

Receiving the data requested by the customer and retrieving the information of the entire customer from the card company database;

Comprehensively analyzing the retrieved data to determine whether to approve;

Recording the approved data in a card company database;

The present invention provides a method and method for transmitting the contents processed by the card company to the terminal of the customer.

 Card amount of liquid adjustment system of the present invention

Card Information, Subscriber Information, Target User Information, Monthly Usage Information, Usage Information Set and Adjusted by the Input Subject, Information on the Usage Limit and Number of Inputs that Can Be Set by the Mobile Terminal, and Country of Use A database for recording the information and usage period information;

Card registration, one-time, one-day, monthly input target registration and change, one-time, one-day, monthly usage fee setting and change from the customer, all information and passwords that can be input to the mobile terminal A receiving step of receiving an input method, a foreign use registration application, a card application and adjustment for a child's use of public transportation, and usage fee setting data input to a mobile terminal;

A customer information retrieval step of searching for a database of a corresponding customer of a card company by receiving general information related to the usage amount adjustment of the received card;

An approval and rejection confirming step of determining whether to approve or reject by analyzing the received card usage amount adjustment request data and the retrieved data of the corresponding customer;

A processing result outputting step of transmitting, to the terminal of the customer, a card company processing result of the data related to the card usage amount adjustment requested by the customer; And a web server providing a web page related to the card credit amount adjustment.

When using the portable terminal of the usage amount adjustment system to set the mobile terminal number of the person or the subject of the input, the type of the card is a credit card, check card, debit card, prepaid card and all similar cards Can be the target.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention;

1 is a view schematically showing the entire process of adjusting the amount of the used solution of the card according to an embodiment of the present invention,

After the customer first accesses the card company's web server 110 using a wired / wireless or portable Internet terminal to process the corresponding work, the customer's response is received after the card company's approval and rejection are delivered to the customer.

Referring to FIG. 1, in step S10, a customer holding a card accesses a web server 110 of a corresponding card company using the Internet network 100 as a wired / wireless or portable Internet terminal. Customers or targets who do not register for membership and accredited certificates must register membership and accredited certificates according to the instructions on the web page provided by the web server 110. You need to log in to do business.

 When the customer clicks a task to be processed in the item 'Adjusted Usage of Card' of the web page 200 of FIG. 2 provided by the web server 110 of the card company, the web server 110 may display the corresponding web page (300 to 900). , 1400) retrieves the information set by the customer in the card company database 120 and transfers the information to the web page (300 ~ 900, 1400) and outputs the screen, and receives the data requested by the customer for approval or rejection If the processing result is approved, the requested data is stored in the card company database 120, and the approved or rejected content is output on the web page screen.

In step S20, after confirming the processing result guide message of the business provided by the web server 110 of the card company, the customer determines whether to continue or terminate the corresponding business processing.

In step S30, the customer ends all business processing.

2 to 9 and 14, according to an embodiment of the present invention, the customer is connected to the web server 110 of the card company to the web page screen necessary to process the web page 200 'adjust the amount of use of the card' business The contents of each screen will be described in detail.

 FIG. 2 is a diagram illustrating an example of a screen for selecting a task required for adjusting a usage amount of a card in a web page 200 according to one embodiment of the present invention.

 Referring to Figure 2, the customer is a job 1 displayed on the web page 200 'adjusted amount of the card'; Card registration, 2; Card registration inquiry, 3; Entry registration, 4; Use solution setting, 5; Inquiry of usage setting, 6; Setting the number of times of money input to the mobile terminal, 7; Registration for foreign use, 8; After selecting and clicking one of the child's public transportation card application business, the web server 110 searches for data corresponding to the business that the customer wants to process in the card company database 120 except for the 'card registration' business. If there is data that has been registered or used, transfer the data to each item of the web page (300 ~ 900, 1400), and then print a screen to handle the task. If there is no data, an error message is displayed on the customer's screen. .

 3 is a diagram illustrating an example of a screen for registering a card held by a customer on a web page 300 according to one embodiment of the present invention.

Referring to FIG. 3, the customer holding the card selects the card company 310 and then selects one of 'credit, check, debit, and prepaid' for the card number 320 and the card type 330, and the customer name 340. ), Enter the validity period 350, CVC code 360, password 370, and then press the OK button. As shown in FIG. 10, the web server 110 receives the information input by the customer 1010 and comprehensively searches 1020 the card information, the usage information, and the payment information of the card company database 120 and registers the information. It is determined whether to approve or reject (1030). If the card company processing result is approved, the card requested by the customer is registered in the card company database 120, and a guidance message corresponding to the reason for approval or rejection is displayed on the screen of the customer. To the output 1040.

FIG. 4 illustrates an example of a screen for inquiring a card content registered by a customer to a 'card registration inquiry' screen on a web page 400 or selecting a registered card to process a corresponding task according to an embodiment of the present invention. Drawing.

Referring to FIG. 4, when a customer selects and clicks one of items 2 to 8 of the 'adjustment amount of the card' of the web page 200, the web server 110 requests a registration application and the card company approves the request. The contents are retrieved from the card company database 120 and the displayed contents are transferred to the web page 400 and the corresponding card data is displayed after the corresponding item data is transferred. Click the check box 410 and press the OK button.

The web server 110 receives the card number selected by the customer as shown in FIG. 10 (1010), retrieves the card registration information, the usage amount setting adjustment information, etc. of the card company database 120 (1020) and the customer wants to process. To determine whether there is data necessary for the task (1030), if there is the corresponding data, move the data to the web page (500 ~ 900, 1400) items and output the screen (1040), if there is no data requested error message Is displayed on the customer's screen.

FIG. 5 is a diagram illustrating an example of a screen capable of processing input target registration and change tasks selected by a customer on a web page 500 'register target subject' screen.

Referring to FIG. 5, the customer selects a card which the customer wants to input from the 'card registration inquiry' of FIG. 4 after clicking on the third item 'entry target registration' task of the web page 200. After pressing the OK button, Figure 5 is displayed on the screen, and the customer decides whether to designate the person to be inputted on the card as himself or another, and the customer needs one time, one day, monthly usage amount, overseas use, or child's public transportation card. Select a place to specify the input target.

The customer can select the required amount of usage (510, 520, 530), overseas use (540), child's public transportation card (550), and when the target person is the user, the member ID can be omitted and the relationship with the customer is' I , Spouse, child, parent, parent, company designator, etc., and the changeable period is' immediately, 7 days, 10 days, 15 days', but immediately ' It is a selectable item and the notification method for change is one of 'mobile terminal, e-mail', and press the OK button after input is completed.

As shown in FIG. 10, the web server 110 receives the information input by the customer (1010) and reviews the input target subscription information, usage information, payment information, etc. of the card company database 120 (1020) and the customer applies. It is determined whether to accept or reject one input target (1030). If the processing result is approval, the card company database 120 includes the input target requested by the customer. It automatically registers the card in the card company database 120 of the input target so that the amount of use, foreign use, the child's public transportation card can be input, and outputs the result processed by the card company on the screen of the customer (1040).

If you want to change the subject, you can apply for the change immediately if the subject changes from yourself to another person.However, if the subject is not you, the subject of the task is to enter the subject using the web page (200). You must change to the cardholder.

In case of the rejection of the change or the method of dismissal by the user, delete the corresponding Id and set the relationship with the customer as 'I' and then press the change button.

As shown in FIG. 10, the web server 110 receives the information requested by the customer for the change request (1010) and reviews the target person subscription information, usage information, payment information, etc. of the card company database 120 (1020). If the processing result is approval (1030), and if the processing result is approved, the input target customer requested by the customer is included in the card company's database 120. The card is automatically registered in the card company database 120 of the subject to input the card's usage amount, foreign use, and the child's public transportation card, and after outputting the result processed by the card company on the customer's screen (1040) If the target user before the change is not the user, the change is notified to the mobile terminal or the e-mail address, which is a notification method of the change set by the target user before the change (1050). Once when changing the input from participants in my other work which contains a set period of time when a card issuer registration lapse automatically approves the changes you requested application.

As an example of change, in the process of applying for the change of the target subject HONGGILJA of the monthly usage amount shown in FIG. 5, the customer selects the monthly usage amount (530), deletes the member ID field, and changes the relationship with the customer after setting the person to 'own'. Press the button.

The web server 110 receives the processing information (1010), and searches (1020) input target information of the card company database 120 to determine the change in the monthly spending target target HONGGILJA to the member ID of the customer (1030). After recording the date that the user can input in the customer's database 120, the user's database 120 in HONGGILJA's card company database 120 contains the cancellation date of the input object, and outputs the information on the screen (1040). According to the notification method, the changed information is transmitted to the mobile terminal in the form of a text message.

FIG. 6 is a diagram illustrating an example of a screen for setting and adjusting a used amount on a web page 600 'use limit amount setting' screen according to an embodiment of the present invention.

Referring to FIG. 6, the input target person clicks the 'use limit setting' of the web page 200, sets the used amount in the output web page 400 of FIG. 4, and selects (410) a card to be adjusted. When the confirmation button is pressed, the web server 110 retrieves the usage amount setting information of the customer from the card company database 120 and moves the data to the corresponding item of the web page 600 and then outputs the corresponding screen. The input target user selects one of 'card use, cash service, and card loan service' in the task selection column 610 and selects a usage amount allowed for input (620, 630, 640) and inputs a usage amount to be set or adjusted.

 The customer presses the OK button after the setting and adjustment is completed. As shown in FIG. 10, the web server 110 receives the usage amount contents set and adjusted by the customer 1010 to retrieve the usage amount adjustment information, usage information, payment information, credit information, etc. of the card company database 120. (1020) and if the result of the processing is determined by approving or rejecting the usage amount adjustment content requested by the customer (1030), the usage amount adjustment content requested by the customer is recorded in the card company database (120). And, the result processed by the card company outputs (1040) to the screen of the customer.

In the same manner as described above, the customer may select a task to be adjusted from the task selection 610 'card use, cash service, and card loan service' on the web page 600, and repeatedly process the used amount adjustment.

6 and 7 are items arbitrarily named by the present inventors, and their meanings will be briefly described.

(Once use solution); This is the upper limit that customers can use once when using card, cash service or card loan service.

(Daily solution); It is the amount that can be used regardless of the number of times a customer uses a card, cash service, or card loan service for one day.

(Monthly use); It is the amount that customers can use regardless of the number of days and days of use for one month when using the card, cash service, and card loan service.

(Fixed 1 month); The amount set by the customer in the amount of once-use, daily-use, and monthly-use amount is the amount that can be used from the setting date to the end of the month. If there is no request for change by the customer, the amount can be used from 1st to the end of the month. The reason for the 'fixed month' column is that most of the cards have the ability to use public transportation, so the card is often used as a substitute for the commute, and it is designed to reduce the hassle of adjusting the amount. will be.

 (1 day use); The amount that the customer can use only on the day of using the card, cash service, and card loan service. After that date, the amount of use will be automatically extinguished. The amount that can be freely set and used, the customer enters the used amount only in the 'one-time use amount' and 'daily use amount', and the 'monthly use amount' is automatically calculated.

(Cumulative liquid); Accumulation of daily usage amount is the sum of the amount used by the customer among the amounts set on the day, and Accumulation of the monthly usage amount is the sum of the amount used by the customers.

(The remaining limit); 'Daily limit' is the amount that can be used as the remaining amount after deducting the amount used by the customer, and 'Remaining monthly limit' is the amount used by the customer less than the amount set in the current month The remaining amount is available for additional use.

For example, assuming that the monthly usage amount set by the card company of Hong Gil-dong shown in FIG. 6 is set to 2,000,000 won, the following usage example will be described.

Use example 1); With 10,000 won set only for the 'fixed one-month use amount' in the 'Use of card', customers can purchase goods worth 20,000 won at the merchant and pay with the card by dividing the amount by 10,000 won. have.

Use example 2); 10,000 won for '1 day usage limit fixed' in the 'use card', and as above, the customer can purchase goods worth 20,000 won at the merchant and pay with the card. If the amount is not used on the day, you can pay the card for 10,000 won.

Use example 3); 300,000 won is set in 'Monthly Usage Limit of Card Use', and 'Use Once, Daily Usage Limit' is set as above. With 5,000 won, the customer can purchase 20,000 won worth of goods at the merchant and pay with the card.

Use example 4); The amount of 'fixed one month' in '1 time, 1 day, monthly usage amount' in the 'use of card' is set as above, and the accumulated amount of daily use is 10,000 won, and the total amount of monthly use is 250,000 won. If the customer wants to purchase two kinds of goods worth 100,000 won at the merchant with the remaining monthly limit of 50,000 won, the customer must use the amount of more than 100,000 won and the one day in advance You can set the amount over 200,000 won in 'Daily Limit Usage' and request the change of the credit amount to the card company, and only if it is approved, you can settle the amount. '200,000 won' and the remaining amount of monthly usage will be 0 won, cumulative amount of 450,000 won, too.

FIG. 7 is a diagram illustrating an example of a screen for inquiring a usage amount set by an input target and a card usage content of a customer on a webpage 700 'usage limit setting inquiry' screen.

Referring to FIG. 7, after the customer clicks 'query limit setting' of the web page 200 and selects 410 a card for which the user wants to query the used amount setting content in the web page 400 of FIG. When the OK button is pressed, the web server 110 retrieves the usage amount setting status and the actual usage information of the customer from the card company database 120, transfers data to the corresponding item of the web page 700, and outputs a screen. On the 'View Settings' screen, you can search the setting status, usage status, and remaining limit of 'Card Usage, Cash Service, Card Loan Service' set by the customer in one place. The page 600 screen is output so that the usage amount of the card can be set or adjusted immediately.

8 illustrates an upper limit amount and an input number of a password input password input error that an input target user can input into a mobile terminal on a web page 800 'setting the number of money input to a mobile terminal' screen according to an embodiment of the present invention. It is a figure which shows an example of the screen which sets and adjusts an action method.

Referring to FIG. 8, the customer clicks 410 on the web page 400 and selects the card to be set on the output web page 400 of FIG. When the OK button is pressed, the web server 110 retrieves the usage amount setting of the customer from the card company database 120 and transfers data to the corresponding item on the web page 800, and then outputs a screen.

The customer selects the one-time, one-day usage amount and enters the one-day usage amount and the number of times (810,820) that can be set per day on the mobile terminal in the 'card use, cash service'. If you do not register the password required for identity verification at the time of setting as a terminal, or if you want to change the registered password, select one of 'New, Change' in the password registration (830) and set the password (840) and confirm the password (841) Enter the password in the password, select one of '3, 4, 5 times' in the password re-entry allowance (850) field and take the action if the password re-entry count is exceeded (860). Select "Stop card credit adjustment, stop card credit adjustment before customer retention, or prohibit use of this card" and during the card protection period (870), select "1,2, 3, 4, 5, 6, 7 days" Select one and press the OK button.

As shown in FIG. 10, the web server 110 receives the information input by the customer (1010), searches for the usage amount adjustment information, usage information, payment information, credit information, etc. of the card company database 120 (1020). In operation 1030, it determines whether to approve or reject the upper limit of the amount of usage of the 'card use, cash service', which can be inputted by the customer's request for application, the number of setting, the password registration, and the countermeasure in case of a password input error (1030). If the processing result is approved, the card company database 120 stores the data requested by the customer, and the card company outputs the result 1040 on the screen of the customer.

As an example of input, the contents shown in FIG. 8 are briefly described, and the customer selects 'one-time use amount' and enters 20,000 won for the 'card use' amount and 20,000 won for the 200,000 won input amount for the 'cash service' amount. Select '1 day usage amount', enter 2 for 400,000 won in the 'card usage' amount and 2 for 400,000 won in the 'cash service' amount, and enter ' The amount of usage that can be set for 'card use and cash service' is 200,000 won and the maximum amount can be set up to 2 times, and the amount of usage that can be set for 'card use and cash service' of '1 day usage amount' is 400,000. The amount is the upper limit and the number of setting is possible up to two times, and the password can be re-entered three times during the adjustment of the usage amount. It is content.

 FIG. 9 is a diagram illustrating an example of a screen that a customer can input on a webpage 900 'overseas use registration' screen according to one embodiment of the present invention.

Referring to FIG. 9, when a customer clicks 'register for overseas use' on a web page 200 and selects a card 410 to register on the web page 400 of FIG. The server 110 retrieves the card information of the customer from the card company database 120 and transfers the data to the corresponding item on the web page 900 and then outputs a screen.

The input subject selects one of the country of use (910), the period of use (920), and the relationship between the customer (930): 'Person, Spouse, Child, Parent, Parent, Company Designator, and others'. Press the button.

The web server 110 receives the input contents as shown in FIG. 10 (1010) and retrieves the usage amount adjustment information, usage information, payment information, credit information, etc. of the card company database 120 (1020) It is determined whether to approve or reject the application (1030). If the processing result is approved, the card company database 120 includes the content requested by the customer, and the result processed by the card company on the screen of the customer ( 1040).

As an example of input, the contents shown in FIG. 9 will be briefly described. For example, a card held by a Hong-Kil-Dong customer will be used in the US for one year from July 20, 2006 to July 19, 2007. Is to be a spouse.

FIG. 10 is a block diagram illustrating a process of receiving data requested by a customer and returning a processing result to a webpage 200 'adjustment amount of a card' screen.

Referring to FIG. 10, the web server 110 receives 1010 data requested by a customer, searches 1020 of the card information of the customer included in the database 120 of the card company, and then approves or applies the application. If it is determined whether to reject (1030), and if the application contents are approved, the corresponding data is recorded or changed in the card company database 120, the card company's processing results are output to the customer's terminal (1040), and the requested work is entered. If it is necessary to notify the input box before the change during the change work, the corresponding information is notified to the mobile terminal or e-mail address requested by the customer (1050).

11 is a flowchart illustrating an example of a task of setting a used liquid using a mobile terminal according to one embodiment of the present invention.

Referring to FIG. 11, a customer (for example, Hong Gil-dong) selects one 'use limit setting' task on the card task menu screen 1110 and selects one for (Hong Gil-dong) on the card selection screen 1120 and outputs it. In the used amount setting screen 1130, select one 'use card' and enter 200,000 won in 'One time amount' 100,000 won 1 day amount 'on the printed amount setting application screen 1140 and FIG. 8 Enter the password set in the password registration (840) and ask the card company to apply for approval.

The card company determines an allowable amount of the set amount of usage amount requested by the customer according to the procedure of FIG. 10 and transmits it to the portable terminal of the customer (1150).

As an example of input, when the usage amount setting result screen 1150 transmitted to the mobile terminal of FIG. 11 is displayed, the 'one time usage amount' 100,000 won applied by the customer has the same application and approval result but the '1 day usage amount' 'Shows that the card company's approval result was determined to be 150,000 won.

In the above example, the card company does not approve all the amounts requested by the customer, but automatically adjusts the 'one-day usage amount' within the usage amount that the customer can use.

By using a mobile terminal, if the card registered by the customer is lost or stolen, the usage amount of the card can be changed to prevent illegal and illegal use by others. For example, if the customer inputs 100 won in one of the one-time use amount or the one-day use amount and requests the card company to apply for the adjustment of the usage amount, the corresponding card usage amount of the customer is 100 won. The card becomes virtually impossible to use.

12 is a flowchart illustrating an example of a task of inquiring a used liquid using a mobile terminal according to one embodiment of the present invention.

Referring to FIG. 12, a customer (for example, Hong Gil-dong) selects two 'used limit inquiry' tasks on the card task menu screen 1210 and selects one 'Daehan (Hong Gil Dong)' on the card selection screen 1220. After selecting the first 'use card' in the output amount inquiry 1230 and input the password set in the password registration (840) of Figure 8 and asks the card company to apply for inquiry.

The card company extracts data required for the usage amount inquiry requested by the customer in the procedure of FIG. 10 from the card company's database 120 and transmits the corresponding contents to the customer's mobile terminal (1240).

FIG. 13 illustrates an example of a business process that is settled when a customer adds an amount adjustment task to a current process that is processed by a card company when a customer purchases an item at a merchant and pays with a card. It is a flow chart.

Referring to FIG. 13, when a customer (for example, Hong Gil-dong) purchases an item corresponding to 50,000 won at an affiliated store (S1310) and pays with a card, the process performed by the card company 1; Unused solution, 2; Set only for 'monthly use', 3; The result of processing when both the fixed monthly amount and the fixed daily value are used will be explained.

Hong Gil-dong customer purchases 50,000 won and then applies for card payment Hong Gil-dong customer's current monthly spending; 3,000,000 won Accumulated liquid; KRW 800,000 One). Usage amount not set 2). Usage amount setting contents (fixed for one month) 3). Usage amount setting contents (fixed for one month, used for one day) Credit card 1 month fixed 1 day use Accumulated liquid Remaining limit One time use amount 10,000 60,000 Daily use amount 10,000 100,000 30,000 70,000 Monthly amount 300,000 70,000 300,000 70,000 Daily limit after payment 100,000 80,000 20,000 Monthly amount used after payment 70,000 350,000 20,000

After accessing the card of the customer to the card company 1330 using the public communication network (S1320) through the card payment machine of the merchant, the usage amount information of the customer is retrieved from the card company database 1331.

example; No. 1 is proceeded to the current processing method (1341) due to the use amount fine adjustment 1340, the monthly use amount of the customer; Cumulative liquid use at 3,000,000 won; The amount after deducting KRW 800,000 is KRW 2,200,000, and the amount used by the customer; The 50,000 won will be sent to the merchant as payment.

example; In the case of No. 2, the amount to be paid by the customer at the credit card company is set only for the fixed amount of 'one month'; The comparison begins in the order in which the ceiling amounting to 50,000 won is set. The customer has set a usage amount of 10,000 won in the one-time-use amount 1350, so that the amount of the application; 50,000 won and set amount; As a result of comparing 10,000, the billed amount exceeds the set amount of 40,000 won (1351) and transmits the processing result of which payment is impossible (S1381) to the affiliated store.

example; In the third time, the credit card company pays the amount with the usage amount set to 'fixed one month and one day'; The comparison begins in the order in which the ceiling amounting to 50,000 won is set. The customer is charged 60,000 won in the 'one-time use amount' (1350) 'one-day use amount' bill amount; 50,000 won and set amount; As a result of comparing 60,000, the billed amount did not exceed the set amount (1351), and the user moves to the '1 day usage amount' setting (1360).

The customer has set a limit of 100,000 won for the amount of daily use and the amount of 30,000 won that day has been changed to 70,000 won. Since the credit card company did not exceed the remaining limit of 70,000 won (1361), the card company moves to the monthly usage limit setting (1370) and checks whether or not the customer is set. The customer sets the amount of 300,000 won in the fixed monthly usage amount and uses 270,000 won by the day and automatically calculates when the daily amount of 100,000 is used for the daily usage amount (the remaining limit of the monthly usage amount = 100,000-30,000). With 70,000 won changed to 'daily use of monthly limit', the total amount of use is 300,000 won and the remaining limit is 70,000 won. Since the card company did not exceed the monthly limit of 70,000 won (1371), the credit card company sends the processing result to the merchant as payment (S1380) .The remaining limit after payment is 20,000 won per day. do.

FIG. 14 is a diagram illustrating an example of a screen for a customer to request and adjust an application for issuing a card having a public transportation function to a child's card while issuing a family card.

Referring to FIG. 14, if a customer having a card wants to receive a card having a public transportation function of his or her child, the name and social security number 1420 of the target person to be issued are correctly entered in the child's name 1410 and the area 1430 is used. Select from Seoul, Busan, Daegu, Incheon, Ulsan, Gwangju, Gyeonggi, Gangwon, Chungbuk, Chungnam, Gyeongbuk, Gyeongnam, Jeonbuk, Jeonnam, Jeju. Select one of 'Yes and No' to use the subway (1440), select one of 'Yes and No' to use the bus (1450), and enter the year of birth by the date of birth in the standard setting (1460). , 'Submit certificate of enrollment', and select one of 'Parental Limit Adjustment and Cash Withdrawal Function Suspension' for cash card (1470), and 'Parental Level Adjustment for credit card (1480)'. , 'Pause credit card function', and select 'Black, Red, Yellow, Blue, Green, Orange, Other' in the card color (1490) and then press the OK button. As shown in FIG. 10, the web server 110 receives the information input by the customer 1010 and comprehensively searches 1020 the card information, the usage information, and the payment information of the card company database 120 and registers the information. It is determined whether to approve or reject (1030). If the card company's processing result is approval, the card company database 120 registers the card issuance request requested by the customer, and provides a guide message corresponding to the reason for approval or rejection. Output 1040 to the customer's screen.

Referring to FIG. 14 as an application example, for example, Hong Gil-dong customers are issued a card that can be used for public transportation of children who are children, enter 920101-1111111 in the children's resident number field in the child's name field to use. 'Yes, Seoul' and 'No' for subway use, 'Yes' for bus use, and 'submit certificate of enrollment' in the standard setting field, it is shown that the red children have sought or rejoiced. "Parent Withdrawal Limit Adjustment", "Credit Card Function Pause" is selected for the credit card, and the card applied will be a card with only cash withdrawal function. .

As described above, although the present invention has been described by way of limited embodiments and drawings, the present invention is not limited to the above embodiments, which can be modified by those skilled in the art to which the present invention pertains. And since modifications are possible, the spirit of the present invention should be understood only by the claims set out below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

According to the present invention, minimize the damage to the card holders, merchants, card companies due to the illegal, illegal use of others due to the loss, takeover, theft, forgery, card number, password leakage, computer hacking, etc. in place of the current currency function A method and a system thereof can be provided.

In addition, according to the present invention, it is possible to provide a method and a system capable of immediately preventing an excessive charge due to an error in inputting a use amount of a merchant.

In addition, according to the present invention, by activating the issuance of a family card to provide a method of early acquisition of the correct use and management of the card from the youth, and the method of public transportation fare differential payment system and system according to the age of the card issuer can do.

In addition, according to the present invention, it is possible to provide a method and a system capable of preventing spouse, impulse purchase or excessive consumption of a spouse, children by actively utilizing a method that can set and adjust the card usage amount by the customer.

In addition, according to the present invention, the card company can secure resources that can discount a portion of the annual fee of the customer only for customers who actively use the system.

Claims (12)

Decrease the current card company's 'use of each business', which is lower than the amount of usage (card use, cash service, and card loans) generated by the card held by the customer. Card fraud apart from increase processing system. In order to prevent illegal use, a new 'Card Accident Prevention Limit', which allows customers to reduce and increase the 'Amount of Use by Job' based on the 'Amount of Use by Job' granted to customers by the card company, is established. The process that allows customers who want to prevent accidents to enter the required amount for the 'Card accident prevention limit' using the wired / wireless internet, and decides whether to approve the 'business use amount' requested by the card company for approval In case of application, the application amount of 'use by each task' is recorded in the 'card accident prevention limit' database server, and when the customer asks the card company to approve the use of 'use by each task', the existence of 'accident prevention limit' is checked and approved. Add the process of determining the number of credit cards to the current card 'business use amount' approval process. Enter the amount, the more the credit card companies as a way to ask the application, Enter the amount of 'use amount per work' required for the 'accident prevention limit' through the input window displayed on the web page (FIG. 6) provided by the web server 110 of the card company that issued the card held by the customer. A third process of requesting an application to be recorded in the database server 120, Using the card of the 'accident prevention limit' that can be input to the mobile terminal of the card through the input window displayed on the web page (Fig. 8) screen provided by the card company's web server 110 that issued the card held by the customer, A fourth process of requesting an application for recording an amount of cash service request to an input card company database server 120; Password to use when entering the 'Card accident prevention limit' through the input window displayed on the web page (Fig. 8) screen provided by the card company's web server 110 that issued the card owned by the customer And a fifth step of requesting an application for recording the data of a method of action in case of a password input error to the input card company database server 120; Access to the card company web server 110 that issued the card held by the customer using the portable terminal. The amount required for the use of the card and the cash service of the 'accident prevention limit' through the input window displayed on the portable terminal screen (FIG. 11). A sixth step of requesting an application to be recorded on the input card company database server 120; But with The fifth process is Using the card that can be entered into the customer's mobile terminal (S10), the card company database server 120 that records the information recorded by the 'card accident prevention limit' of the cash service and the password recording information to be used when entering into the mobile terminal is maintained Doing; Through the input window displayed on the web page (FIG. 8) provided by the card company's web server 110, the user can select the place where accident prevention is needed from the amount used for one day and input it into the mobile terminal. Requesting an authorization request recorded in the card company web server 110 by inputting an amount required for the card accident prevention limit amount and the number of inputs available during the use of the card and the cash service; The card company's web server 110 receives the usage amount once per day and the daily usage amount data of the 'card accident prevention limit' that can be input to the mobile terminal entered by the customer. Determining whether or not to approve the 'use limit for each business' data of the' accident prevention limit amount 'requested by the card company database server 120 to search and record the information on accident prevention limit'; When the card company web server 110 approves the use of the card that can be input to the mobile terminal input by the customer, the amount of 'one time, daily usage limit' and the number of times of the cash service, the card company database server 120 )); Password and password to be used when entering the usage amount once per day, daily use amount into the mobile terminal through the input window displayed on the web page (FIG. 8) provided by the card company web server 110. Requesting an authorization request from the card company web server 110 by inputting the number of password re-entering allowances, a method of handling when the input error is exceeded, and a method of handling the corresponding card protection period; The card company web server 110 receives the data of the password to be used when the customer enters the daily usage amount once a day, the daily usage amount into the mobile terminal, and the method of correcting a password input error. Determining whether or not to approve the data requested by the card company database server 120 when the password input error is processed; When the card company web server 110 approves the data of the password registration to be used when the customer requests the application of the 'consumption amount' requested by the user and the password input error, the received data is recorded in the card company database server 120. Doing; Usage amount adjustment method of the card using a wired or wireless, portable terminal comprising a. delete delete delete delete delete delete delete delete delete delete delete

Images