KR101408446B1 - System and method for adjusting payment of credit card - Google Patents

Abstract

The present invention relates to a credit card payment adjustment system and method. The credit card payment adjustment system includes a user terminal and a credit card terminal for requesting a credit card payment, A payment system comprising: a credit card number and a payment amount received from the credit card terminal through a communication network; a confirmation message indicating whether or not a credit card payment approval is approved, to the credit card terminal; A communication unit for transmitting the changeable information to the user terminal and transmitting the payment approval details to the user terminal; A payment approval unit for checking whether the credit card can be approved by referring to the user's credit card number and payment amount; A payment adjustment unit for extracting information that can be changed in the credit card payment information and delivering the information to the user terminal through the communication unit and adjusting the payment information when receiving the payment information change request from the user terminal through the communication unit; A settlement processing unit for transferring the settlement details adjusted through the settlement adjustment unit to the credit card terminal through the communication unit to finally finalize settlement approval and perform a final settlement process; And a database in which various information related to the credit card and information that can be changed among the credit card payment information are recorded and stored.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a credit card payment system,

The present invention relates to a credit card settlement system and method, and more particularly, to a credit card settlement system and a credit card settlement system capable of post-settlement of settlement history and methods such as a settlement method, ≪ / RTI >

Benefits of using credit cards include discounts on merchants and points. In addition, when a user makes a purchase of a card rather than making a purchase at a merchant, the user can obtain cash by holding the cash until the payment date.

In the case of the merchant discount mentioned above, if the merchant uses a discounted credit card at the merchant's shop without any condition, the discount can be discounted at the field discount or card billing. In addition, by specifying specific conditions, discounts can be applied to excellent credit card users who have used credit cards in the past. For example, users who have paid an average of 300,000 won or more over the past three months will be discounted at a specified rate at a specific merchant.

Likewise, in the case of point accumulation, points can be accumulated at a predetermined rate in a uniform manner without any condition, or points can be accumulated at a relatively high rate when a card payment amount is equal to or greater than a specified reference amount.

Therefore, the credit card user judges which credit card is best consumed at the merchant, and makes payment using the corresponding credit card. Furthermore, in order to continuously utilize the benefits provided by the credit card company, the payment is made while confirming the minimum payment amount set for the credit card in question. Further, a credit card is used as the main credit card to receive the highest point benefit of the user's credit cards.

According to the trend of credit card usage, 'card tech' is a new word, which reduces the expenditure by using the optimal credit card for each merchant. As a result, credit card companies provide so many and varied card benefits that real users are confused about which credit card they own, which card they should use, and which card should be used as the main card I feel.

Therefore, after the credit card users make a payment for the purchase of goods or services with the card, they frequently request payment cancellation and re-settlement through another credit card for reasons such as card benefits and use of the main card And users are increasingly complaining about credit card payment information.

The present invention has been made in view of the above problems and needs, and it is an object of the present invention to provide a credit card payment system capable of post-settlement of settlement history and method such as payment method, It is an object of the present invention to provide an adjustment system and method.

To this end, the credit card settlement system according to the present invention is a credit card settlement system connected to a user terminal and a credit card terminal for a credit card settlement request through a communication network to process a credit card settlement, Receives a credit card number and a payment amount through a communication network and transmits a confirmation message to the credit card terminal about whether or not the credit card payment is approved and transmits information that the user can change in the credit card payment information to the user terminal And transmits the settlement approval details to the user terminal; A payment approval unit for checking whether the credit card can be approved by referring to the user's credit card number and payment amount; A payment adjustment unit for extracting information that can be changed in the credit card payment information and delivering the information to the user terminal through the communication unit and adjusting the payment information when receiving the payment information change request from the user terminal through the communication unit; A settlement processing unit for transferring the settlement details adjusted through the settlement adjustment unit to the credit card terminal through the communication unit to finally finalize settlement approval and perform a final settlement process; And a database in which various information related to the credit card and information that can be changed among the credit card payment information are recorded and stored.

Preferably, the information that can be changed among the credit card payment information includes the number of months of installment of the credit card, whether or not the point is used and the usage amount, whether the discount benefit is used, whether payment is confirmed after confirming the payment information, .

Preferably, after the credit card approval confirmation message is transmitted to the credit card terminal through the payment approval unit, the payment details adjusted through the payment adjustment unit are transmitted to the credit card terminal through the communication unit after a predetermined time .

A credit card settlement method according to the present invention is a settlement method of a credit card settlement system that is connected to a user terminal and a credit card terminal for a credit card settlement request through a communication network, Receiving a credit card number and a payment amount through a communication network; Checking whether the credit card can be approved by referring to the received credit card number and the amount of payment; Transmitting a confirmation message to the credit card terminal as to whether or not the credit card can be approved; Extracting changeable payment information by the user from the credit card payment information; Transmitting the extracted changeable payment information to the user terminal; Receiving a payment information change request for requesting a change of credit card payment information from the user terminal; Checking the payment information change request and changing the payment information; And transferring the changed payment information to the credit card terminal and confirming payment approval.

Preferably, the information that can be changed among the credit card payment information includes the number of months of installment of the credit card, whether or not the point is used and the usage amount, whether the discount benefit is used, whether payment is confirmed after confirming the payment information, .

Preferably, the credit card authentication method further includes transmitting the confirmation message to the credit card terminal, transmitting the changed payment information to the credit card terminal after a predetermined time, and confirming the payment approval .

As described above, according to the present invention, after the user makes a credit card payment, the payment history and the method such as the installment method, the discount use availability, and the bonus usage can be adjusted after the purchase.

In addition, as the recharging of the credit card due to the customer's remorse becomes unnecessary, there is an effect that the effort to cope with the inconvenience of the card merchant and the remorse of the consumer is reduced.

In addition, there is an effect that voice phishing, unauthorized use of the card, and the like can be prevented by making a time lag between the payment of the card and the actual payment approval.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram showing a schematic configuration of a credit card payment system according to an embodiment of the present invention; FIG.
FIG. 2 is a block diagram schematically illustrating an internal configuration of a credit card settlement server according to an embodiment of the present invention; FIG.
FIG. 3 is a diagram illustrating a credit card settlement adjustment process according to an exemplary embodiment of the present invention; FIG.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. The configuration of the present invention and the operation and effect thereof will be clearly understood through the following detailed description. Before describing the present invention in detail, the same components are denoted by the same reference symbols as possible even if they are displayed on different drawings. In the case where it is judged that the gist of the present invention may be blurred to a known configuration, do.

First, a credit card payment adjustment system according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a configuration of a credit card payment system according to an embodiment of the present invention.

1, the credit card payment system includes a credit card 101 held by a user, a user terminal 103 allowing a user to confirm payment details, a credit card terminal (not shown) 105, and a credit card settlement system 200 that processes the credit card settlement of the user and adjusts the credit card settlement.

The credit card 101 is a plastic card used for credit transactions. The credit card 101 is provided with a magnetic or IC chip, and the magnetic or IC chip contains card information such as a credit card number and an expiration date.

The user terminal 103 is a terminal capable of transmitting and receiving various data via a communication network according to a key operation of a user. The user terminal 103 is a tablet PC, a laptop, a personal computer (PC) A smart phone, a personal digital assistant (PDA), a smart TV, and a mobile communication terminal.

The user terminal 103 includes a browser for communicating with the credit card settlement adjustment system 200 via a communication network, a memory for storing programs and protocols, a microprocessor for executing and controlling various programs, and the like Quot; That is, the user terminal 103 is capable of communicating with the credit card settlement control system 200 and can be any terminal as long as it can access the system, and includes all communication computing devices such as a notebook computer, a mobile communication terminal, and a PDA Is a broad concept.

The credit card terminal 105 is provided in a store or a shop and used for credit card settlement. The credit card terminal 105 extracts the credit card number from the magnetic or IC chip of the credit card 101, and receives the payment amount of the goods. The credit card terminal 101 transmits the extracted credit card number and the inputted payment amount to the credit card payment adjustment system 200 through the communication network.

The communication network is connected to the credit card terminal 105, the user terminal 103, and the credit card settlement adjustment system 200, and is a network for transmitting and receiving a message for a credit card settlement approval request and a credit card settlement adjustment request do. The communication network refers to a network capable of transmitting and receiving data using an Internet protocol using various wired and wireless communication technologies such as an Internet network, an intranet network, a mobile communication network, and a satellite communication network. The communication network 110 may be a closed network such as a LAN (Local Area Network) or a WAN (Wide Area Network), an open network such as the Internet, a CDMA (Code Division Multiple Access), a WCDMA The concept is called the next generation network and computing network that will be implemented next, such as Multiple Access, Global System for Mobile Communications (GSM), Long Term Evolution (LTE) and Evolved Packet Core (EPC)

Hereinafter, the credit card payment coordination system 200 will be described in detail with reference to FIG.

The credit card payment adjustment system 200 includes a communication unit 201, a payment approval unit 203, a payment adjustment unit 205, a payment processing unit 207, and a database (DB) 209.

The communication unit 201 receives the credit card number and the received payment amount from the credit card terminal 105 via the communication network and transmits a confirmation message to the credit card terminal 105 about the credit card payment approval permission / Information that can be changed among the credit card payment information is transmitted to the user terminal 103 and the payment approval details are transmitted to the user terminal 103. [

The payment approval unit 203 checks whether the credit card can be approved by checking the creditworthiness of the user and the possibility of payment by referring to the credit card number and the payment amount of the user.

The payment adjustment unit 205 extracts information that can be changed from the credit card payment information and transmits it to the user terminal 103 via the communication unit 201. When the payment adjustment unit 205 receives a change request for the predetermined payment information from the user terminal 103 Change / adjust the payment information.

According to one embodiment of the present invention, the information that can be changed among the payment information includes the number of months of credit card installment, whether or not a point is used and the amount of usage, whether a discount benefit is used, whether payment is confirmed after confirming payment information, And includes payment card change information, if any.

The payment processing unit 207 transfers the payment details adjusted / changed via the payment adjustment unit 205 to the credit card terminal 105 to finally settle the payment approval and perform the final payment processing to pay the approved amount to the seller financial account .

The database 209 records and stores various kinds of information related to the credit card, and in particular, information that can be changed among payment information is recorded and stored. The information that can be changed among the payment information includes payment card change information when there is a credit card payment installment month, whether or not a point is used and an amount of use, whether a discount benefit is used, .

According to the present invention, after the credit card approval confirmation message is transmitted to the credit card terminal 105 via the payment approval unit 203, To the credit card terminal (105). The time interval (A) is preferably from 1 minute to 10 minutes. In this manner, by setting an appropriate time interval A until the actual payment approval is made, voice phishing and unauthorized use of the card can be prevented.

Hereinafter, a credit card payment adjustment process according to an embodiment of the present invention will be described with reference to FIG.

FIG. 3 is a configuration diagram sequentially illustrating a credit card payment adjustment process according to an embodiment of the present invention.

First, when a user who purchases goods or services wants to pay a credit card, the credit card is provided to the seller to request payment (S301).

The seller transmits the credit card number and the payment amount of the user through the credit card terminal 105 to the system 200 through the communication network to request the card approval (S303).

The system 200 checks whether the credit card can be approved by referring to the credit card number and the payment amount of the user received from the credit card terminal 105. Then, the credit card terminal 105 transmits a confirmation message to the credit card terminal 105 to confirm whether or not the credit card can be approved.

Meanwhile, the system 200 extracts payment information that can be changed by the user through the database 209 among the credit card payment information.

The information that can be changed by the user among the payment information includes the number of months of the credit card installment, whether or not the point is used and the amount of usage, whether the discount is used, whether payment is confirmed after confirming the payment information, And the like.

The system transmits the extracted changeable payment information to the user terminal 103 (S307). At this time, the changeable payment information transmitted to the user terminal may be configured in the form of a push message when SMS, LMS, MMS, e-mail or a predetermined application is installed.

The user confirms the changeable payment information and transmits a payment information change request for requesting the change of the credit card payment information to the system 200 (S309).

The system 200 confirms the payment information change request of the user, changes the payment information, transfers the changed payment information to the credit card terminal 105, and confirms the payment approval (S311)

As described above, in the present invention, after the credit card terminal 105 confirms whether or not the credit card can be approved, the credit card terminal 105 transmits the changed payment information to the credit card terminal 105 after a predetermined time (A) And confirms payment approval. The time interval (A) is preferably from 1 minute to 10 minutes. In this manner, by setting an appropriate time interval A until the actual payment approval is made, voice phishing and unauthorized use of the card can be prevented.

Meanwhile, the above-described credit card payment adjustment method can be implemented by a software program and recorded in a predetermined recording medium readable by a computer.

For example, the recording medium may be a hard disk, a flash memory, a RAM, a ROM, or the like embedded in each reproduction apparatus, or an external optical disk such as a CD-R or a CD-RW, a compact flash card, a smart media, have.

The functional operations and implementations described in the present specification may be embodied in digital electronic circuitry, computer software, firmware, or hardware, or a combination of any of the foregoing. The implementations described in the present disclosure may be implemented as one or more computer program products, that is, one or more modules associated with computer program instructions encoded on a program storage medium of the type for control of, or for execution by, Lt; / RTI >

While the drawings of the present invention depict operational processes, it should be understood that such operations should be performed in the order shown, in order to obtain the desired results, or that all illustrated operations should be performed. In certain cases, multitasking and parallel processing may be advantageous.

Further, specific embodiments have been described in the specification of the present invention. Embodiments are within the scope of the following claims. For example, the operations described in the claims may be performed in a different order, still achieving desirable results.

The foregoing description is merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the spirit of the present invention. Accordingly, the embodiments disclosed in the specification of the present invention are not intended to limit the present invention. The scope of the present invention should be construed according to the following claims, and all the techniques within the scope of equivalents should be construed as being included in the scope of the present invention.

101: credit card 103: user terminal
105: credit card terminal 200: credit card payment adjustment system
201: communication unit 203: payment approval unit
205: payment adjustment unit 207: payment processing unit
209: Database

Claims (6)

Claims [1] A credit card payment system for processing a credit card payment through a user terminal and a credit card terminal for requesting payment of a credit card through a communication network,
A credit card number and a settlement amount are received from the credit card terminal through a communication network, and a confirmation message is transmitted to the credit card terminal for credit card payment approval permission. A communication unit for transmitting information that the user can change, including information on whether or not to use the discount, payment confirmation after confirming the payment information, and payment card change information, to the user terminal, and transmitting payment approval details to the user terminal;
A payment approval unit for checking whether the credit card can be approved by referring to the user's credit card number and payment amount;
The credit card payment information includes information on whether or not a user has used a point and whether or not a credit card is used, whether a discount is used, whether payment is confirmed after payment information is confirmed, and payment card change information, and transmits the information to the user terminal A payment adjustment unit for adjusting the payment information when receiving the payment information change request from the user terminal through the communication unit;
A settlement processing unit for transferring the settlement details adjusted through the settlement adjustment unit to the credit card terminal through the communication unit to finally finalize settlement approval and perform a final settlement process; And
A database in which user-changeable information including a variety of information related to a credit card, whether or not a point is used and an amount of usage of the point, whether or not to use a discount, whether payment is confirmed after payment information is confirmed, ≪ / RTI &
The credit card terminal transmits the payment information adjusted through the payment adjustment unit to the credit card terminal after a delay of at least one minute after transmitting the credit card approval message to the credit card terminal, And the approval confirmation is delayed.
delete The method according to claim 1,
The credit card approval confirmation message is transmitted to the credit card terminal through the payment approval unit, and after a delay occurs within a range of one minute to ten minutes, the payment details adjusted through the payment adjustment unit are transmitted to the credit card terminal through the communication unit To the credit card terminal.
A payment method of a credit card payment system, which is connected to a user terminal and a credit card terminal for a credit card payment request through a communication network and processes a credit card payment,
Receiving a credit card number and a payment amount from the credit card terminal through a communication network;
Checking whether the credit card can be approved by referring to the received credit card number and the amount of payment;
Transmitting a confirmation message to the credit card terminal as to whether or not the credit card can be approved;
Extracting payment information changeable by a user including credit card payment information, whether or not a credit card is used, an amount of usage, whether to use a discount, whether payment is confirmed after payment information is confirmed, and payment card change information;
Transmitting the extracted changeable payment information to the user terminal;
Receiving a payment information change request for requesting a change of credit card payment information from the user terminal;
Checking the payment information change request and changing the payment information; And
And transmits the changed payment information to the credit card terminal. After the payment message is delayed by at least one minute after transmitting the confirmation message as to whether or not the credit card can be approved, the changed payment information is transmitted to the credit card terminal, , ≪ / RTI >
And the credit card terminal is configured to delay the settlement approval determination by transmitting the changed settlement information later than the delay time by transmitting a confirmation message as to whether the credit card can be approved.
delete 5. The method of claim 4,
After the credit card approval message is transmitted to the credit card terminal, the credit card terminal transmits the changed payment information to the credit card terminal after a delay of 1 minute to 10 minutes, and confirms the payment approval Wherein said credit card payment adjustment method comprises:

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