KR100850933B1 - management system for dealings of assets and method thereof - Google Patents

Abstract

The present invention relates to an information service system and a service method using the same, which enables a corresponding customer to directly input his / her usage history in a postpaid payment service such as a credit card service and the like. Based on this, the billing can be generated.

To this end, the present invention is a transaction confirmation step of continuously checking whether or not each customer asset transactions; A message input request step of controlling to input a brief message on the transaction details when an asset transaction of a specific customer occurs; An information acquiring step of acquiring information on the input message and payment details when the input of the message by the customer is completed; It provides a method of operating an asset transaction management system, characterized in that the operation is included, the acquisition information registration step: registering the acquired information to the customer DB server.

Credit transaction, transaction details brief message

Description

Management system for dealings of assets and method

1 is a schematic structural diagram of a first embodiment of an asset transaction management system of the present invention

2 is a flowchart schematically showing an operation process according to the first embodiment of the asset transaction management system of the present invention;

3 is a flow chart schematically showing an example of a method for receiving a brief message about transaction details during an operation process according to a first embodiment of the asset transaction management system of the present invention;

4 is a schematic structural diagram according to a second embodiment of the asset transaction management system of the present invention;

5 is a flowchart schematically showing an operation process according to a second embodiment of the asset transaction management system of the present invention;

6 is a schematic structural diagram of a third embodiment of an asset transaction management system of the present invention

7 is a flowchart schematically illustrating an operation process according to a third embodiment of the asset transaction management system of the present invention.                 

Explanation of symbols for main parts of the drawings

100. Card Reader 200. Operation Server

300. Customer DB server 400. Network of credit card companies

500. Customer's mobile phone 600. Product information DB server

700. Network of shopping mall providers 800. Network of payment method providers

The present invention relates to a service method that is made online, and in particular, in a postpaid payment service such as a credit card service, the customer directly records the usage history of the transaction during the transaction so that the customer can easily understand the payment details. The present invention relates to an asset transaction management service system and a service method using the same.

Recently, due to the computerization and networking of various information, the post-paid payment method according to the credit information of each customer is activated, and in particular, payment using a credit card has become a daily life, and its usage is increasing day by day.

As a result, the scope of use for various postpay payments has been widened, and is now used for small payments.

However, the usage history also increased sharply in proportion to the usage amount, but the customer's all usage history is shown on the invoice for the payment request, simply the store name and payment history for the store where the item was purchased or the service was purchased. There was a lot of difficulty in remembering and remembering each one of them, which left a lot of misunderstanding that could cause unnecessary friction with companies that adopt each postpay payment method.

In recent years, the development of a program that acts as an online household account book such as a personal wealth management program has made it possible to manage the usage history for transactions such as various accounts, credit cards, insurance, etc. of customers.

However, these programs, like the method of providing historical information in the credit card service, can only know the point of transaction and the amount of the transaction, and do not provide detailed information about the purpose of the transaction. It was inconvenient to remember the purpose of the transaction and perform a separate memo based on the transaction point).

Therefore, at present, there is an urgent need for a service that enables the customer to easily check detailed information on the contents of the customer's asset transaction.

The present invention has been made in order to solve the above problems, so that the customer can easily check the detailed information on the transaction details of each customer's asset, such as a credit card service, post-payment payment service, or in the process of performing various account services Asset transaction management service system that allows customers to directly enter the details so that they can be easily checked later and brief details can be provided on the bills for various payment requests. And its operation method.

According to a first aspect of the present invention for achieving the above object, a card reader provided in each of the businesses that provide goods or services for payment of various credit cards and receive a payment thereof; In connection with each card reader, a request is made to input a brief message related to a payment history from each customer during a payment process, receive the contents of the input message and payment price information for the request, and issue a bill based on the received details. In addition, the operation server for operating the website to manage the asset changes of each customer online; Provides an asset transaction management system, characterized in that the information on each customer-specific asset and the customer-related information is built and stored, including a customer DB server (DataBase Server).

In addition, a transaction confirmation step of continuously checking whether each customer's asset transactions in the operating method of the present invention using the system of the first type; A message input request step of controlling to input a brief message on the transaction details when an asset transaction of a specific customer occurs; An information acquiring step of acquiring information on the input message and payment details when the input of the message by the customer is completed; The acquisition information registration step of registering the acquired information to the customer DB server: provides a method to proceed.                     

In addition, according to a second aspect of the present invention for achieving the above object, a card reader provided in each of the businesses that provide goods or services for payment of various credit cards, and the fee for this payment; A product information DB server (DataBase Server) connected to the card reader so that information can be shared online and each of which classifies names of various products and services; In connection with each card reader and product information DB server, the company receives the classification name and payment information of the payment details during the payment process, issues an invoice based on the received details, and changes the asset of each customer. An operating server that operates the website for online management; Provides an asset transaction management system that includes a customer database server: registered and stored information about each customer-specific assets and customer-related information.

In addition, a transaction confirmation step of continuously checking whether each customer's asset transactions in the operating method of the present invention using the system of the second form; Receiving a product classification name of the corresponding transaction details together with payment information about the transaction details from a product information DB server when an asset transaction of a specific customer occurs; Acquisition information registration step of registering the received information to the customer DB server: provides a method to proceed.

In addition, according to the third aspect of the present invention for achieving the above object, the sale of a product or a service is provided on-line, and a fee for this is paid on-line, and briefly related to the payment details to the customer during the settlement process. A network of a shopping mall company operating a website for requesting to input a message, and for transmitting the contents of the input message and payment price information for the request to a network of a company providing a corresponding payment method; It is connected to the network of the shopping mall company, received from the network of the shopping mall company, reflects the received payment price information and the brief message about the payment history and issues a bill for the payment history and changes of assets of each customer A network of companies that provide respective payment methods for operating the website to manage the web online; It provides an asset transaction management system characterized in that it is built, including a customer DB server: the information on each customer asset and the customer-related information is registered and stored while interworking with the network of the company that provides each payment method.

Along with this, when a customer wants to purchase a specific product or provide a service through a website operated by an online shopping mall company by the operating method of the present invention using the system of the second type, the corresponding web page Displaying an input field for making a payment on the display and requesting to input a brief message related to the payment details; When the corresponding customer completes input of various types of information in response to the request, confirming the company information that provides the means paid by the corresponding customer by using the input information; And transmitting the various input payment related information to a network operated by the confirmed payment method provider.

Hereinafter, each embodiment according to the configuration and method of the present invention as described above will be described in more detail with reference to FIGS. 1 to 7.

Figure 1 is a schematic diagram showing a first embodiment of the asset transaction management system according to the present invention.

That is, the asset transaction management system according to the first embodiment of the present invention is provided with a card reader (100) each provided in a business that provides goods or services for payment of various credit cards, and the fee for this, and each customer It is configured to include an operation server 200 for operating a website to manage asset changes of the online and customer DB server 300 for storing each customer information.

At this time, the operation server 200 is associated with each card reader 100 to request a brief message related to the payment details from each customer during the payment process, and the contents of the input message and payment price information for the request Received, and further performs the role of issuing a bill based on the received details.

Such an operation server 200 may be built in a service company for professionally performing only a service according to the present invention, but more preferably, it is established as an operation server of a website operated by a typical credit card company. This is also shown in the embodiment of the present invention. However, this is not necessarily the case.

In addition, the card reader 100 is a means for receiving the details of the payment details from each customer, the user interface unit 110 for receiving a brief message about the payment contents from the customer when performing various payments, and the input In order to transmit the received message to the operation server is configured to include a transmission unit 120 and the display unit 130 for displaying a variety of information online and the operation server.

At this time, the transmission unit 120 for the online connection between the card reader 100 and the operation server 200 may be configured as a device capable of connecting to the Internet, such as a network interface card (NIC).

Hereinafter, the service method using the first embodiment of the present invention configured as described above will be described in more detail with reference to the flowcharts of FIGS. 2 and 3.

First, the operation server 200 continuously checks whether or not each customer asset transactions.

This is because the operation server 200 is associated with a card reader 100 built in each business, and when credit card payment is performed through the card reader 100, the credit card holder's asset transaction is determined. It is possible to check.

However, it is not always possible to confirm whether each customer's assets are traded in the above-described way, and the credit card company is connected to the network of the credit card company 400 that performs the credit transaction for the credit card. When the authorization request is generated according to the occurrence of the credit transaction through the network 400, it is possible to apply a method of determining that the asset transaction of the credit card holder is made.

And, if it is confirmed whether the asset transaction of a specific customer by the above process, the operation server requests to input a brief message about the transaction details.

This is performed by displaying a message input screen for inputting a brief message on the display unit 130 of the card reader 100. The customer responds to the request through the user interface 110 of the card reader 100. You will enter a message.

At this time, the message input by the customer is freely designated by the convenience of the customer.

For example, if you are eating with your family at a restaurant, you can designate "family eating expenses" and enter them in the text box displayed on the screen of the card reader.

And, if it is confirmed that the message input from the customer is completed by the method described above, the card reader 100 checks whether the credit payment is approved, and if the approval is made, the request from the operation server according to the present invention. Accordingly, the message input by the customer and the information about the payment amount are transmitted to the operation server 200 through the transmission unit 120.

Subsequently, the operation server 200 acquires the information received as described above, registers with the corresponding customer DB server 300, and when the bill issuance date of the corresponding credit card is registered, the payment registered with the customer DB server 300. An invoice will be issued that reflects the details and a brief message about this payment.

In other words, not just an invoice containing only information on “use merchant” and “use amount (or payment amount)” like an existing invoice, an item “use history” is added separately, or the “use merchant” Instead of the item, it is issued by filling in the item “Use History”.

For example, in the “Use History” item, an “OO Restaurant, Family Dining Expense” or “OO Dealership, TV Purchase” bill is issued, and the invoice is issued to the customer's e-mail account and the customer's mobile phone. At least one of the message receiving telephone numbers for performing the transmission of the message to the 500 is to be delivered to the customer's account or the address of the customer existing on the online.

In addition, the information registered in the customer DB server 300 of the above process is that the customer is connected to the website operated by the operation server 200 online when the request to confirm the details of the operation server is It is more preferable to enable the inquiry of the bill details issued to the customer after the authentication process for the customer.

In addition, the input method of the message for the corresponding transaction details according to the occurrence of the asset transaction during each process described above is not necessarily performed only through the card reader 100.

Recently, it is more desirable to allow input through this mobile phone given that the majority of customers have a mobile terminal such as mobile phone 500.

That is, when a credit transaction of a specific customer occurs as shown in the flowchart of FIG. 3, the operation server 200 acquires a phone number for the mobile phone 500 of the credit card holder, and then uses the obtained phone number to make a current payment. By sending a short message requesting a reply by entering a short message for the customer, the customer can conveniently enter the message.

This is possible by constructing a Short Message Service (SMS) server 210 for use of the short message service in the operation server 200.

In particular, in the process of providing a real-time text message transmission service to the customer's mobile phone on the credit card authorization history that is being performed through SMS, an item is added to request a short message about the approval history. More preferred.                     

Then, the message returned from the mobile phone 500 of the customer by the above method is registered in the customer DB server 300 so that it can be used for issuing invoices and online inquiry.

On the other hand, shown in Figure 4 shows a configuration according to a second embodiment of the present invention.

That is, in the second embodiment of the present invention, the card transaction 100 is connected to the card transaction system 100 in order to share information with various card readers in the configuration of the asset transaction management system according to the first embodiment of the present invention. The belonging classification name further shows that the product is further included in the stored product information DB server 600.

This configuration is such that even if the message input of the credit card usage history by the customer is not performed, the details of the usage history can be automatically registered from the product information DB server 600.

In this case, the product information DB server 600 is most preferably provided in a company for selling each product so that the product information DB server 600 can be linked with the card reader 100 of the corresponding company.

In addition, the operation server 200 is connected to each card reader 100 and the product information DB server 600 to receive the belonging classification name and payment price information of the payment details during the payment process for the fee.

Hereinafter, the service method using the second embodiment of the present invention configured as described above will be described in more detail with reference to the flowchart of FIG. 5.                     

First, as in the above-described first embodiment, the operation server continuously checks whether or not each customer's asset is traded.

In this process, when it is confirmed that an asset transaction of a specific customer has occurred, the operation server 200 receives a product classification name of the corresponding transaction details together with payment information about the transaction details from the product information DB server 600.

That is, the product information DB server 600 searches for the classification of the corresponding product based on the payment information input through the card reader and transmits the card reader to the card reader while interworking with the card reader 100. The product classification name and the corresponding payment details are transmitted to the operation server 200.

For example, when a customer purchases ramen at a department store, the product information DB server 600 recognizes a product number or a barcode input through the card reader in the process of inputting the details into the card reader 100. The item “foods” to which the ramen belongs is transmitted to the card reader 100, and the card reader 100 issues a card statement (slip) in which the details transmitted from the product information DB server 600 are written. do.

In addition, the card reader 100 transmits the item of the product classification purchased by the customer to the operation server 200 together with the corresponding payment details.

Subsequently, the operation server 200 registers the payment details and the corresponding product classifications received through the card reader 100 and the product information DB server 600 to the customer DB server 300, and later the card for the corresponding customer. When issuing an invoice, it reflects each payment details registered in the customer DB server 300 and a brief message (product classification name) related to this payment, and thus the invoice is issued to an account designated by the corresponding customer.

At this time, the bill issuing process and the process of transmitting the issued bill are the same as in the above-described first embodiment, and a detailed description thereof will be omitted.

On the other hand, the configuration and operation method according to the first and second embodiments of the present invention as described above is suitable for the payment of the card in the usual offline, but not in the payment of the card on-line.

Accordingly, the third embodiment of the present invention suggests that a simple message regarding the card usage history which can be easily checked by the customer can be processed even when the payment is made online.

To this end, the configuration according to the third embodiment of the present invention is a web constructed to sell goods online or provide various services as well as charges thereof online through each payment means as shown in FIG. The network 700 of the shopping mall company that operates the site, the network 800 of the company providing each payment method so as to enable payment related to various charges online, and the network of the company providing the payment method The information on the customer-specific assets and the corresponding customer-related information are registered and stored to show that the customer DB server 300 is included.

At this time, the network 700 of the shopping mall company requests the customer to input a brief message related to the payment details during the payment process using various payment means, and the contents of the input message and the payment price information for the request are settled. It further performs the role of transmitting to the network 800 of the company providing the means.

In addition, the network 800 of the company providing the payment method receives payment information and a brief message about the corresponding payment history from the network 700 of the shopping mall company, and reflects the received information to the payment history. In addition to issuing invoices, it also manages on-line changes in the assets of the customer.

In addition, each of the above payment means means the usual payment means commonly used on-line means a means for performing a credit card, mobile communication charges, online payment or other payment, the means of performing the payment method of the company The network 800 suggests that the network 810 of the credit card company and the network 820,830 of at least one of a mobile communication company and a financial company are included.

Hereinafter, with reference to the flow chart of Figure 7 showing the operating process according to a third embodiment of the present invention configured as described above in detail as follows.

First, each shopping mall network 700 on-line continuously checks whether a customer has a request for purchasing a specific product or providing a service through a website operated by the company.

This is done by checking whether the customer who has visited the website has a choice to request a purchase of a specific product or to provide a service.

In addition, when the request is made, a text box for displaying the purchase details is displayed and a text box for inputting a brief message related to the payment details is displayed on the web page.

At this time, the request method for inputting a short message related to the payment details is not necessarily the method described above, but as in the first embodiment of the present invention, the short message is input by using an SMS service through the mobile phone of the corresponding customer. Can also be set to lose.

When the customer completes input of various information related to the corresponding payment in response to the request for inputting the various information requested by the shopping mall company, the network 700 of the shopping mall company confirms the input information and the input information from the input information. The customer will check the information of the company designated as the payment method.

For example, when it is confirmed that the payment to the credit card has been performed, the network 700 of the shopping mall company checks the credit card company where the payment was performed and performs payment authentication of the credit card to the credit card company. When the transaction is approved by the network, the credit card company's network 810 operates a payment message and a brief message about the payment details entered by the customer.

At this time, the method of transmitting the above information is preferably used by a method (eg, e-mail, telephone or information sharing, etc.) agreed in advance between the two companies, the method can be made in various ways to the embodiment The description is omitted.

Then, if the payment method provider network 800 receives the information on each payment details from each shopping mall network 700 through the above process, the received information is the corresponding customer of the customer DB server 300 The information is updated in the area where the information is registered.

In addition, when the bill issuance date of the customer's payment means is issued using the updated information is issued a bill reflecting a brief message about the payment details.

The invoice issued as described above is sent to the place designated by the customer, which is the same as the first embodiment of the present invention described above.

Meanwhile, when each of the above-described processes is performed, when a customer requests confirmation of information about the payment history and a brief message about the payment history online, the network 800 of the company that provides the payment method runs its own website. It is preferable to display the information registered in the customer DB server 300 through the web page so that the customer can easily check.

In this case, the web page is a web page of a website operated by each credit card company or a mobile communication company to perform an inquiry of payment details online, or online at each financial company. It is a web page of a website operated to perform an inquiry of account information and the like, and suggests that its service method is performed in the same manner as a service method provided by each payment means company.

As described above, the asset transaction management system and the method of operating the system according to the present invention allow customers to easily recognize the usage history of each post-paid credit payment, such as a credit card used offline or online. There is an effect that can be improved.

Claims (25)

A card reader which processes payments of various credit cards in order to receive payment for the goods or services provided; A server for requesting a message input related to a payment history to a mobile phone of a corresponding customer while processing the payment by the card reader, and receiving a response message for the request from the mobile phone; Receiving the contents of the response message from the server while processing the payment in association with the card reader, and receiving the payment information from the card reader, and based on the contents of the received message and the payment information An operation server for operating a website for issuing a service and managing a customer's asset change online; Asset transaction management system, characterized in that consisting of a DB server (DataBase Server) for registering and storing the customer-related information and the customer related information. The method of claim 1, wherein the card reader, A user interface unit for receiving a corresponding message as a message input related to the payment details is requested from the operation server, and a transmission for transmitting a message input through the user interface unit online with the operation server to the operation server Asset transaction management system comprising a wealth. delete A card reader which processes payments of various credit cards in order to receive payment for the goods or services provided; A product information DB server (DataBase Server) for storing the product and service information including a classification name of the product and service, and being connected online with the card reader to share the stored information with the card reader; Receiving the billing information of the payment details from the card reader while receiving the classification name of the payment details from the product information DB server while processing the payment in association with the card reader, and bills based on the received payment details. An operation server for operating a website for issuing and managing the customer's asset changes online; And a DB server (DataBase Server) for registering and storing the asset related information of the customer and the related information of the customer. delete delete A transaction confirmation step of continuously checking whether the customer trades the asset; A message input request step of controlling to input a brief message about the details of the generated asset transaction when the asset transaction of the customer occurs; An information acquiring step of acquiring payment history information for the input message and the asset transaction as the input of the message is completed from the customer; And an acquisition information registration step of registering the acquired message and information in the DB server of the customer. 8. The method of claim 7, wherein when the customer's credit card payment through the card reader is performed in association with the card reader established in the trading establishment, it is determined whether the customer's asset trading is performed. Method of operating an asset transaction management system, characterized in that for confirming. The user of the card reader according to claim 7 or 8, wherein when the customer's credit card payment is performed through the card reader, a message input screen for inputting a brief message is displayed on the screen of the card reader. Requesting to input the message via an interface. 8. The request of claim 7, wherein the request for authorization of the credit transaction occurs as the credit transaction of the customer occurs through the network of the credit card provider in connection with the network of the credit card company performing the credit transaction for the credit card. If so, the method of operating the asset transaction management system, characterized in that to determine whether or not the asset transaction of the customer is made. 8. The method of claim 7, wherein after acquiring a telephone number for the mobile phone of the customer, a request message for requesting an input reply to the short message about the generated asset transaction is transmitted to the acquired telephone number to control the input of the message. Operating method of the asset transaction management system, characterized in that. 12. The method of claim 7 or 11, further comprising acquiring payment history information for the input message and the asset transaction through the reply message by receiving a reply message in response to the request message from the mobile phone of the customer. A method of operating an asset transaction management system. The method of claim 7, wherein Generating a bill reflecting the acquisition information registered in the DB server; And transmitting the issued bill to the customer. The method of claim 7, wherein And transmitting the acquired information registered in the DB server to an online account designated by the customer. The method of claim 14, The online account designated by the customer is any one of an E-mail account of the customer and a message receiving telephone number for transmitting a message to the mobile phone of the customer. A transaction confirmation step of continuously checking whether the customer trades the asset; When the transaction of the customer occurs, receiving a product classification name according to the details of the transaction from the product information DB server together with the payment information on the details of the transaction; Acquiring information registration step of registering the received information to the DB server of the customer: operating method of the asset transaction management system characterized in that it is carried out. 17. The method of claim 16, wherein when the customer's credit card payment through the card reader is performed in association with a card reader established in the trading establishment, it is determined whether the transaction of the customer is made. A method of operating an asset transaction management system, characterized in that the identification. 17. The method of claim 16, wherein a request for authorization of the credit transaction occurs as the customer's credit transaction occurs through the network of the credit card provider in connection with a network of credit card companies that perform credit transaction authorization for the credit card. If so, the method of operating the asset transaction management system characterized in that it is determined whether the transaction of the customer is made by the customer transaction of the asset. The method of claim 16, Issuing an invoice reflecting the acquisition information registered in the DB server of the customer; And transmitting the issued bill to the customer. The method of claim 16, And transmitting the acquired information registered in the DB server of the customer to an online account designated by the customer. 21. The asset transaction management according to claim 20, wherein the on-line account designated by the customer is any one of an E-mail account of the customer and a message receiving telephone number for transmitting a message to the mobile phone of the customer. How the system works. When a customer purchases a specific product or receives a service through a website operated by an online shopping mall company, a short message related to the payment details is displayed along with an information field for payment on the web page. Displaying a text box requesting that the request be made; In response to the request, when the customer completes inputting various types of information, confirming information on the provider of the payment means using the input information; And transmitting the various types of payment related information to a network operated by the identified payment means provider. 2. The method of claim 22, The network of the payment method provider further uses the information received from the network operated by each shopping mall company to issue an invoice that reflects a brief message about the payment history, and further sends the issued bill to the customer. Operating method of the asset transaction management system, characterized in that proceeding. The method of claim 23, The payment provider's network is in the process of issuing an invoice Registering information received from a network operated by each shopping mall company on a customer DB server; And displaying the registered information on a web page when a request for information on payment details from a specific customer is performed on-line. The method of claim 22, A web page for a payment method provider is A web page on a website operated by each credit card company to perform a checkup of payment history online, Is a web page of a website operated by each mobile operator to perform an inquiry of payment details online, or A method of operating an asset transaction management system, characterized in that at least one of the web pages of a website operated by each financial institution to perform an inquiry of each account information online.

Images