KR101102619B1 - System for Managing Multi-Cards by Using a Card - Google Patents

Abstract

The present invention provides a multi-card operating system using a single card, means for linking and processing customer card information and a plurality of merchant card information in a storage medium, and when using the card of the customer, according to the use of the card transmitted from the merchant terminal Checking card information corresponding to the customer card using merchant among the plurality of merchant card information stored in connection with the customer card in the storage medium, based on the card using merchant information or the merchant usage history information extracted from the payment approval request message; And means for adjusting customer utilization rate or customer royalty information for the identified card information.

Revenge, card, add, replace

Description

System for Managing Multi-Cards by Using a Card}

1 is a simplified block diagram of a system for imparting multiple card functions to a preferred single card according to the present invention.

2 is a simplified structural diagram of a preferred information storage medium according to the present invention.

3 is a simplified flowchart of a preferred embodiment of the present invention.

<Description of main parts of drawing>

100: server 105: storage

110: approval unit 115: extraction unit

120: confirmation unit 125: adjustment unit

130: judgment unit 135: replacement unit

140: usage history DB 145: merchant information DB

150: customer information DB 155: storage media

160: card 165: merchant terminal

The present invention provides a means for storing customer card information and a plurality of affiliated card information in association with the storage medium, and when using the card of the customer, the card using affiliated store extracted from the full payment approval request message according to the use of the card transmitted from the affiliated store terminal. Check card information corresponding to the customer card using affiliated store among the plurality of affiliated card information stored in association with the customer card in the storage medium based on the information or the affiliated store usage information, and the customer for the confirmed card information A multi-card operating system using a single card having means for adjusting utilization or customer loyalty information.

With the spread of the card infrastructure, many card companies are developing various card products. Recently, as leisure time such as five-day work week is increased, the client's life, targeting leisure activities, leisure activities, and consumption activities By presenting the card products across, the trend is to provide a wide range of services to subscribers.

For example, if you have signed up for travel-related card products, you can get discounts when purchasing travel products, free travel insurance, currency exchange services. To provide services.

However, in order to receive the service or benefit, you must subscribe to the relevant card product, and for other services or benefits, you must cancel the card product from the user's point of view. Or there was an inconvenience to repeat the subscription.

An object of the present invention for solving the above problems is a means for linking and processing the customer card information and a plurality of merchant card information in a storage medium, and when using the card of the customer, according to the use of the card transmitted from the merchant terminal Checking card information corresponding to the customer card using merchant among the plurality of merchant card information stored in connection with the customer card in the storage medium, based on the card using merchant information or the merchant usage history information extracted from the payment approval request message; The present invention provides a multi-card operating system using a single card having means for adjusting a customer utilization rate or customer loyalty information for the identified card information.

In the multiple card operating system using a single card according to the present invention, means for storing and storing the customer card information and the plurality of merchant card information in a storage medium, and when using the card of the customer, using the card transmitted from the merchant terminal Card information corresponding to the customer card using affiliated store among the plurality of affiliated card information stored in connection with the customer card in the storage medium based on the card using affiliated store information or the affiliated store usage information extracted from the payment approval request message according to the present invention. And means for adjusting the customer utilization rate or customer royalty information for the identified card information.

In addition, the characteristic or use corresponding to the customer card information is replaced with the characteristic or use of a card having a high customer utilization rate or customer loyalty among the plurality of affiliate cards, or the plurality of feature or use corresponding to the customer card information. And a means for adding a characteristic or use of a card having a high customer utilization rate or a customer loyalty rate among merchant cards.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, predetermined reference numerals are added to elements illustrated in the drawings. However, it is noted that the same components shown in different drawings are denoted by the same reference numerals as much as possible.

In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be made without these specific details. It will be apparent to those skilled in the art that this may be practiced.

In addition, in describing the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a simplified block diagram of a system for imparting multiple card functions to a preferred single card according to the present invention.

Referring to FIG. 1, a system for granting a multi-card function to a single card includes a server 100, a client card 160, and an affiliated store terminal 165.

The server 100 includes a plurality of function execution units for performing a corresponding function, and the server 100 may be a financial company server including a card company server and a bank server, or a VAN company or a mobile communication company server.

Preferably, according to this drawing, the server 100 includes a storage unit 105, an approval unit 110, an extraction unit 115, a confirmation unit 120, an adjustment unit 125, a determination unit 130, and a replacement unit. It comprises a 135.

The storage unit 105 may request a new issuance by a client accessing the server 100 through a network (eg, an information communication network such as the Internet), or use card information (for example, a card number and a card that is already issued and used by the client). At least one of a plurality of virtual card information (eg, card product information, card providing service information, use merchant information, etc.) having different functions, characteristics, and / or uses with respect to the card 160; Information including the above) is cooperatively stored in a predetermined storage medium 155.

For example, the card 160 for which the client requests a new issuance or is already issued and used is provided with a card 160 that provides transportation related services (eg, a gas discount service, a point accumulation service at a gasoline, a repair / maintenance service, etc.). In this case, the virtual card is a card that provides shopping-related services (eg, interest-free installment service when purchasing a product, annual fee waiver service when using a certain amount of money, shopping information providing service, etc.) or sports-related service (eg, a game ticket discount service, etc.). Can be.

In addition, the plurality of virtual card information stored in the storage medium 155 in association with the client card information may be selected by the client's selection and / or request and / or input when the card 160 is issued. In addition, the server 100 may discriminatively store the virtual card in association with each client based on the card usage history of the client (for example, the amount of the card used, the delinquent payment, the credit rating, etc.). More virtual cards can be associated with clients with high credit or high card spending)

Through the storage unit 105, the client requests new issuance, or the card information being used by the client, and a plurality of virtual card information whose function, characteristics and / or uses are different from those of the client card 160 are stored. The storage medium 155 stored in association with each other may be located inside or outside the server 100.

The approval unit 110 connects the terminal using the server 100 and the client card 160 through a predetermined network, receives data transmitted from the terminal through the network, or sends predetermined data to the terminal. send.

For example, when the server 100 is a card company server, the approval unit 110 receives the full payment approval request message with the card terminal through a VAN, etc., and transmits an approval response message.

As known, the payment approval request text provided from the terminal in which the client card 160 is used to the approval unit 110 may include the client card 160 information (eg, the card 160 number, etc.), the merchant usage history information ( For example, payment amount information, payment product information, etc.), payment merchant terminal 165 information (e.g., terminal unique ID, etc.), payment merchant information (e.g., merchant name, merchant unique code, merchant business number, etc.) and the like sufficiently. Can be.

When the extraction unit 115 of the server 100 receives the payment approval request message provided from the card 160 terminal through the approval unit 110, the client card 160 is received from the received payment approval request message. Used merchant information and / or merchant usage history information is extracted.

The verification unit 120 of the server 100 is processed in association with the client card information based on the affiliate store information and / or affiliate store usage information used by the client card 160 extracted through the extractor 115. The virtual card information corresponding to the extracted affiliated store information and / or affiliated store usage information is checked among the plurality of virtual card information stored in the storage medium 155.

For example, when the affiliated store (terminal) in which the client card 160 is used is a gas station (terminal), the identification unit 120 may include a traffic related service (eg, a fueling discount) among the plurality of virtual card information stored in the storage medium 155. Check the virtual card information that provides services, points service when refueling, repair / maintenance services, etc.). In addition, when the affiliated store (terminal) in which the client card 160 is used is a department store (terminal), the verification unit 120 is a shopping-related service (eg, when purchasing a product of a plurality of virtual cards stored in the storage medium 155) Check the virtual card information that provides interest-free installment service, annual fee waiver service, shopping information service, etc.).

The adjusting unit 125 of the server 100 adjusts the customer utilization rate and / or customer royalty information for the virtual card confirmed through the confirmation unit 120.

The customer utilization rate preferably represents how often the client card 160 is used at the affiliate store in a predetermined ratio or proportional expression. For example, the customer utilization rate may be calculated by the client in response to the use of the card for a predetermined period of time (eg, a card payment cycle, or the like) or through real-time accumulation processing.

Therefore, the adjustment unit 125 allows the determination unit 130 to replace the client's card 160 with a specific virtual card by adjusting the customer utilization rate and / or royalty information, which may change every time the client's card 160 is used. Provide a basis for judging.

The determination unit 130 of the server 100 periodically and / or changes in the customer utilization rate and / or royalty information change through the adjustment unit 125 every time the customer uses the card 160. Add the customer utilization and / or customer royalties of a particular virtual card associated with the client card 160 to the functionality and / or characteristics and / or uses of the client card 160 to the functionality and / or characteristics and / or uses of the virtual card or to the client card ( It is determined whether the function and / or characteristic and / or use of the 160 is matched with predetermined condition policy information that is prescribed to replace the function and / or characteristic and / or use of the specific virtual card.

The condition policy information may be set in various ways by those skilled in the art. For example, when the customer utilization rate and / or customer royalties of a specific virtual card exceeds a predetermined rate, the function and / or characteristic and / or use of the specific virtual card may be added to the client card 160 or the client card ( 160 may be replaced with the specific virtual card (e.g., it is preferable that the client's current card service is replaced with the service having the virtual card, rather than physically exchanging the client card with the virtual card).

When the substitute unit 135 of the server 100 determines whether to replace the virtual card of the client card 160 based on predetermined condition policy information, the substitute unit 135 of the server 100 may replace the card of the client ( 160 is replaced with a virtual card.

In addition, when determining whether to add the function and / or characteristics and / or use of the virtual card to the function and / or characteristics and / or use of the client card 160 based on the predetermined condition policy information, The functions and / or features and / or uses of the virtual card may be added to the functions and / or features and / or uses of the client card 160.

Further, according to another preferred embodiment, the replacement unit 135, before the addition or replacement of the client card 160, the customer information stored in the customer information database (for example, wired and wireless telephone number, e-mail, messenger, etc.) Based on this, the client can obtain consent for the addition or replacement.

Preferably, the server 100 is a plurality of function performing unit (for example, storage unit 105, extraction unit 115, confirmation unit 120, adjustment unit 125, determination unit 130, replacement unit 135 It may further include a useful database and information storage medium 155 to interwork with).

According to this drawing, the server 100 may further include a usage history database 140, a merchant information database 145, a customer information database 150, and the like. The databases store the card 160 of the client in association with the plurality of virtual card information, and / or the approval unit 110 receives the payment approval request message from the terminal, and extracts the specific information through the 115. Provides very useful information in extracting (eg, merchant information).

According to the present invention, the client card 160 is characterized in that it comprises at least one credit card, debit card, prepaid card. The card 160 may include at least one MS card, an IC card, a wireless terminal on which an IC chip storing financial information is mounted or detached, and a wireless terminal on which an RF tag storing or detaching financial information is mounted or detached. Characterized in that.

2 is a simplified structural diagram of a preferred information storage medium 155 according to the present invention.

2, an information storage medium 155 according to the present invention includes a card information data file, a first virtual card information data file, a second virtual card information data file, a third virtual card information data file, ..., And the N-th virtual card information data file.

In addition, according to the present invention, the card information data file and the first virtual card information data file to the N th virtual card information data file may be stored in a cooperative process on the information storage medium 155.

Preferably, the card information data file stores customer personal information and card information that the customer intends to issue or card information in use.

For example, the customer personal information of the card information data file may include a card user name, a unique ID, a social security number, a mobile phone number (phone number), an e-mail, a messenger, and the like. The card information of the card information data file may include corresponding card product or service information, a card number, a chip serial number (for a chip card), an expiration date information, a password information, and a security (secure) payment information. .

The first virtual card information data file includes the first virtual card basic information including the functions and / or characteristics and / or uses of the first virtual card, main merchant information, and the merchant of the customer card corresponding to the primary merchant. At least one utilization rate and / or customer royalty information corresponding to the first virtual card, and predetermined condition policy information for adding or replacing a function and / or characteristic and / or use of the first virtual card to the customer card The first virtual card information including the above is stored.

The Nth virtual card information data file includes the Nth virtual card basic information including the functions and / or characteristics and / or uses of the Nth (N = 0, 2, 3, 4, ... N) virtual card, Use merchant information, merchant utilization rate of the customer card 160 corresponding to the main merchant and customer loyalty information corresponding to the first virtual card, and the function of the Nth virtual card on the customer card 160 And / or N-th virtual card information including at least one of predetermined condition policy information for adding or replacing a characteristic and / or a use.

Preferably, the first virtual card or the Nth virtual card may be arbitrarily determined according to the number of card goods provided by the server 100.

Referring to FIG. 2, a card product or a card service of a client is a travel / leisure related card product or a card service, a first virtual card is a traffic service card, a second virtual card is a shopping service card, and a third virtual card. Is set as a sports-related service card.

According to the first virtual card information data file shown in this figure, the customer merchant utilization rate is three times per week, which is predetermined condition policy information for replacing the client card 160 with the first virtual card (as shown in FIG. In this case, the client card 160 is replaced with the first virtual card and used according to the present invention. More specifically, the client may be provided with a service corresponding to the first virtual card (for example, fuel discount service point earning service, repair / maintenance discount service, etc.).

According to the present invention, the information storage medium 155 is characterized in that it is located in a financial company server, a VAN company server or a mobile communication company server including a card company server or bank server.

3 is a simple flowchart of a preferred embodiment of the present invention.

Referring to FIG. 3, when the server 100 checks the information of the card 160 held by the client or the card 160 requested for the new issuance (300) (eg, the client holding card 160 or the issue request card 160). Is a travel / leisure related service card), the storage unit 105 of the server 100 stores the identified client card information in association with a plurality of virtual card information having different functions and / or characteristics (uses). Stored in medium 155 (305).

For example, when the client card 160 is a travel / leisure service card, the plurality of virtual cards may include other cards except for the client card 160 (eg, a traffic service card, a shopping service card, and a sports service). Card).

When the card 160 of the client is used through the merchant terminal 165 (310), the merchant terminal 165 generates a payment approval request message and transmits it to the approval unit 110 of the server 100 through the VAN. In operation 315, the approval unit 110 generates a payment approval response message corresponding to the payment approval request message and provides the terminal to the terminal through the VAN.

In the process, the extraction unit 115 of the server 100 extracts the affiliate store information and / or affiliate store usage information from the payment approval request message transmitted from the affiliate store terminal 165 (320), and confirms the server 100. The unit 120 checks the corresponding virtual card information in the storage medium 155 based on the affiliate store information and / or affiliate store usage information extracted by the extractor 115 (325).

For example, if the affiliated store terminal 165 is a department store terminal, the identification unit 120 of the server 100 may correspond to a department store terminal (eg, provide a predetermined service when using a card in a department store). , Shopping related service card, etc.) is confirmed through the storage medium 155.

The adjusting unit 125 of the server 100 adjusts and stores the customer utilization rate and / or the customer loyalty information for the virtual card information confirmed through the confirmation unit 120 (330), and the determination unit of the server 100 130 determines whether the customer utilization rate and / or customer loyalty information for the adjusted virtual card information matches predetermined predetermined policy information (335).

If the customer utilization rate and / or customer royalty information for the adjusted virtual card information does not meet the predetermined condition policy information (340), until the predetermined condition policy information is satisfied, 310 to 335 The process is repeated.

On the other hand, if the customer utilization rate and / or customer royalty information for the adjusted virtual card information meets predetermined predetermined policy information (345), the replacement unit 135 of the server 100 is the client card It is determined that the 160 replaces the virtual card information (function / characteristic / use) that meets the conditional policy (350), and provides replacement decision information to the client to request replacement approval (355).

If the replacement approval is not made (360) and the notification of the non-substitution to the virtual card is received from the client (365), the process of replacing the card 160 of the client with a predetermined virtual card according to the present invention is performed. On the other hand, if acquiring an acknowledgment for the replacement with the virtual card from the client (370), the replacement unit 135 of the server 100 replaces the client card 160 with the virtual card ( 375) The client may be provided with a predetermined service of the virtual card.

For example, the client's card 160 was a card 160 that provides transportation related services (eg, fuel discounts, maintenance discounts, etc.). According to the present invention, the client may frequently use the card 160 in department stores or the like. If so, the client card 160 is replaced with a shopping service card providing a predetermined service at a department store or the like.

According to the present invention, when a client uses a card, card information (eg, card function and / or characteristic and / or use, etc.) used by the client is based on card usage records for each merchant (eg, Card functions and / or features and / or uses),

Clients have the advantage of being able to receive corresponding services according to their card usage patterns. In addition, there is an advantage that does not need to issue a separate card associated with the specific service.

Operators (eg, card companies, etc.) have an advantage that the card utilization can be further improved by allowing the client to provide other services with a card issued for a specific service.

Claims (2)

Means for linking the customer card information and the plurality of affiliated card information and storing them in a storage medium; When using the card of the customer, a plurality of stored in connection with the customer card in the storage medium, based on the card use merchant information or the merchant use history information extracted from the payment approval request message in accordance with the use of the card transmitted from the merchant terminal Identifying card information corresponding to the customer card using affiliated store among affiliated card information, and replacing the property or use corresponding to the confirmed customer card information with the property or use of the card having the highest customer utilization rate among the plurality of affiliated card; Means; comprising a plurality of card operating system using a single card. delete

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