KR101756365B1 - Method for processing payment admission of card - Google Patents

Abstract

In the card payment approval processing method, it is discriminated whether or not a tip donation transaction is made from the information included in the approval request telegram, and in the case of the tip donation transaction, at least a part of the card user points given in accordance with the transaction at the time of settlement is added to the affiliated member Settle.

Description

METHOD FOR PROCESSING PAYMENT ADMISSION OF CARD [0002]

The present invention relates to a card settlement processing technique, and more particularly to a point charge processing technique applied to a card user in a payment approval process.

The credit card payment approval is performed when the merchant requests the card payment approval using the merchant terminal, and the request is transmitted to the credit card company server through a VAN company or the like, and the credit card company server returns the inquiry to the payment approval request.

Open Publication No. 10-2014-0069779, published on June 10, 2014, discloses a technique that allows a user to adjust post-settlement methods, whether or not to use an installment method, a discounted benefit, and a payment history method.

Generally, a credit card company gives a point as a promotion for a card user, while adding a fee to the credit card as a payment for the card settlement process. However, the linkage between them is not suggested or implied.

The proposed invention aims at providing a tip providing opportunity to the card user in the card payment approval processing process, thereby linking the card user's point and the commission fee to the merchant.

The proposed invention aims at enabling card users to conveniently and more naturally provide these tips.

In addition, the proposed invention aims at enhancing the service quality of the merchant through the tip donation transaction and further promoting the service quality enhancement through the evaluation of the merchant additionally. Furthermore, it aims to enable efficient marketing of franchisees based on the information obtained through the provision and evaluation of tips.

A card payment approval processing method of a card issuer approval server according to an aspect includes an approval request professional reception step of receiving an approval request telegram from a terminal of a merchant terminal, a tip granting step of identifying whether or not a tip donation transaction is made from the information included in the received approval request telegram And a tip donation settlement step of adding at least a part of the card user's points given to the customer in accordance with the transaction at the time of settlement, to the corresponding merchant for settlement.

In an aspect, the tip donation transaction identification step may include identifying whether the card is a tip card from a card number, a combination of card numbers, or tip card identification data included in the received approval request telegram.

In an aspect, the received approval request telegram may include the tip donation information inputted by selecting the menu displayed on the sign pad of the merchant payment terminal.

In an aspect, the received approval request telegram may include the entered tip grant information by selecting the menu displayed on the merchant's sales management computer display.

In another aspect, the received approval request telegram may include the entered tip grant information by selecting the menu displayed on the display of the smart device including the contactless interface module.

In an aspect, the tip donation information may include a ratio or a value of a point to be added and added to a franchisee.

In an aspect, the tip donation settlement step may be added to a corresponding merchant according to a ratio or a value of a predetermined point through an application of a customer terminal or an Internet homepage, and may be settled.

In an aspect, the tip donation settlement step may include converting the points awarded to the card user according to the transaction into money according to a predetermined conversion criterion.

In an aspect, the tip donation settlement step may further include a credit point award settlement step of adding at least a portion of the points accumulated in the customer to the corresponding merchant for settlement.

In an aspect, a card payment approval processing method of a credit card company server further includes generating a payment approval notification message including a merchant store evaluation UI at the time of payment approval, wherein the merchant store evaluation UI includes a payment approval A notification message can be generated.

In another aspect, a card payment approval processing method of a card company server includes an approval request professional receiving step of receiving an approval request telegram from a terminal of a merchant terminal, a payment acceptance request accepting payment in accordance with the payment information included in the received approval request telegram, An approval notification message generation step of generating an approval notification message for providing a tip dispensing UI at the time of approval of payment, an approval notification message sending step of sending the generated approval notification message to the customer's terminal, A tip donation information receiving step of receiving the tip donation information, and a tip donation settlement step of adding at least a part of the card user's points given to the card user in accordance with the transaction at the time of settlement to the corresponding franchisee.

According to one aspect, the tip rendering UI may include the URL of the tip rendering information input page.

The tip donation information according to one aspect may include a ratio or a value of a point to be added to the merchant and settled.

According to one aspect, the tip donation settlement step can be added to the corresponding merchant and settled according to a ratio or a value of a predetermined point through the application of the customer terminal or the Internet homepage.

In an aspect, the tip donation settlement step may include converting the point into money according to a predetermined conversion criterion.

In an aspect, the tip donation settlement step may further include a credit point award settlement step of adding at least a portion of the points accumulated in the customer to the corresponding merchant for settlement.

In an aspect, the payment approval notification message including the tip donation UI may include the merchant evaluation UI, and the merchant evaluation UI may include the URL of the merchant evaluation page.

The proposed invention allows a card user to provide a tip to a merchant at the time of payment so that the customer can express the satisfaction of the merchant's service in a manner that is economically beneficial to the merchant.

The credit card company has the effect of reducing the commission fee of the merchant by providing the customer's tip and settlement of the commission fee charged to the merchant for each settlement. In order to reduce the commission burden on the customer, There is an effect to settle culture that cares each other.

It provides the card user with the point of use of the point of the tip donation to increase the utilization of the point and provides the card company with the opportunity of acquiring the tip information and the evaluation information, thereby increasing the efficiency of marketing to the franchisee.

1 is a diagram illustrating a configuration of a card settlement system according to an embodiment.
2 is a flowchart showing a configuration of a card payment approval processing method of a card company server according to an embodiment.
FIG. 3 is a flowchart illustrating a card payment approval processing method of a card issuer server in the configuration of a card payment system according to an embodiment.
4 illustrates an embodiment of a tip boring user interface displayed on a customer's terminal according to one embodiment.
Figure 5 illustrates one embodiment of a payment acceptance message that includes a user interface element for merchant evaluation.
Figure 6 illustrates one embodiment of a payment acceptance message including a URL.
7 is a flowchart showing a configuration of a card settlement approval processing method of a card issuer server according to another embodiment.
FIG. 8 is a flowchart illustrating a card payment approval processing method of a card issuer server in the configuration of a card settlement system according to another embodiment.

The foregoing and further aspects of the present invention will become apparent through the following embodiments. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

1 is a view for explaining an embodiment of a card settlement system to which the proposed invention can be applied. The exemplary card payment system includes an affiliate terminal 10 (CAT terminal or POS terminal), a VAN server 20, a card issuer server 30, a settlement server 40 and a customer management server 50.

When a customer who purchased a product or service requests a payment by presenting the card, the franchisee terminal 10 recognizes the card payment in a contact or non-contact manner. The merchant terminal (10) recognizing the card payment requests the credit card company server (30) to approve payment through the VAN server (20).

The merchant terminal 10 is a credit application terminal (CAT) in one embodiment. However, the present invention is not limited to this, and includes wired, wireless, and mobile terminals used for settlement of the merchant. For example, the merchant terminal 10 may be a mobile terminal such as a smartphone of a merchant. As another example, the merchant terminal 10 may be a customer's smartphone. In this case, the merchant ID is input to the customer's smartphone, and the merchant can be used for settlement of the transaction. As another example, the merchant terminal 10 may be a POS terminal of the merchant. As another example, the merchant terminal 10 may be a payment plug-in used for settlement of an online shopping mall.

The card issuer server 30 processes payment approval in response to the payment approval request. The card company server 30 that has approved the settlement can settle the purchase transaction through the settlement server 40 to pay the merchant and can access the customer management server 50 to manage the membership information for the settlement customer have. Here, the settlement server 40 and the customer management server 50 may be composed of two logical servers existing on one physical server, or two processes or programs executing simultaneously on one physical server Or may be a physically separate server. As another example, the settlement server 40 and the customer management server 50 may be implemented as a single server with the card issuer server 30, or may be implemented as separate programs independently of the payment approval program in the same card company server 30 . In another example, the customer management server may be operated by a separate operator from a card issuer through a convention or a contracted protocol.

2 to 3 are flowcharts showing a configuration of a card payment approval processing method of the card issuer server 30 according to the embodiment. As shown in FIG. 2, the card issuer server 30 receives the approval request message from the terminal of the merchant in the approval request message receiving step S01. The approval request telegram includes the card information recognized by the merchant terminal 10, the entered transaction amount, and payment information such as the merchant ID.

According to an aspect, the card issuer server 30 identifies whether or not a tip donation transaction is made from the information included in the approval request message received in the tip donation transaction identification step (S02). In one embodiment, the authorization request telegram may include information that identifies whether a tip grant transaction is to be made. As will be described later, such identification information may be a combination of information included in a general approval request message.

According to one aspect, the card issuer server 30 adds at least a part of points awarded to the customer in accordance with the transaction of the card user at the time of settlement, in the tip donation transaction (S03). In the case of card payment, the card company gives points to the customer in order to use the card as a payment amount for other products or to give the gift when the card is accumulated over a certain level as a part of the card use promotion policy. Points can also be referred to as names of reserves, mileage, and so on. In one embodiment, payment of a point to a customer at the time of payment may be made via the customer management server 50. [ For example, the customer management server 50 can update the point information in response to a request from the card issuer server 30. Such a customer, that is, a credit card user, is awarded at the time of acceptance of a credit card or after completion of payment of a credit card. After the payment approval, the card company usually pays the settlement amount to the merchant by excluding the commission fee from the sales. According to an aspect of the proposed invention, when the card issuer server 30 identifies a tip donation transaction in the transaction, it includes a step of adding at least a part of points awarded to the card user in the step of the adjustment to the merchant as a tip . In other words, the card company can pay the merchant the amount calculated by adding a part of the card user's points, excluding the commission fee from the sales. The amount added to the merchant will be described later. Specifically, when a card user makes a payment at an affiliate shop that provides a product or service in a credit card transaction, the card user pays the payment to the card company, and the merchant excludes commissions such as merchant fees and card fees from the card company The tip of the proposed invention can reduce the commission burden of the merchant by filling the fee that the franchisee should bear.

In a further aspect, the tip donation settlement step may further include a credit point award settlement step of adding and adjusting at least a part of the points accumulated in the customer to the merchant. As described above, in addition to the points to be given at the time of payment, points that have been earned and earned at the time of payment in the past can be provided as tips.

In another embodiment, the point information of the customer management server 50 may be updated together with the tip donation settlement. In addition to the points incurred in the transaction, the customer may tip some of the accumulated points, for example 1,000 points or 10% of the upright points, to the merchant that generated the transaction. For example, when the card user donates 10% of his / her points as a tip, when the card dealer server 30 or the settlement server 40 finishes the tip donation settlement, the point of the customer management server 50 is 90% The information is updated with the remaining information.

In another embodiment, the tip donation settlement step may be performed in the settlement server 40, not in the card issuer server 30. In this case, specifically, the card issuer server 30 only processes payment approval, and the above-described settlement step can be performed in the settlement server 40. [

In a specific aspect, the tip donation transaction identification step (S02) includes the step of identifying whether or not a tip card is selected from a card number, a combination of card numbers, or tip card identification data included in the received approval request telegram. In one embodiment, the tip card capable of tip borrowing upon payment may include an identifiable card number that is a tip card. For example, the card number may include a preset number of the predetermined number of digits of the entire card, or the number of digits of the card number may be different from that of the general card. Alternatively, information that combines card numbers by a predetermined method may be information that identifies a tip card. In another embodiment, when payment is made with a card capable of tip-boring, data for identifying the tip card may be separately included in the approval request telegram, and the card company server 30 receiving the approval request telegram extracts the data Thereby identifying the tip card. For example, one of the unused reserved fields in the payment authorization request field may be used for this purpose. More specifically, fields that are not used, frequently used, or not used domestically among the card information can be used as information for identifying the tip card transaction. According to one aspect, since this information is the card information itself, it is not necessary to input it at the user or the merchant.

In another aspect of the proposed invention, the approval request message received by the card issuer server 30 may include the tip donation information inputted by selecting the menu displayed on the sign pad of the merchant payment terminal. In another aspect, the tip donation information may include a ratio or a value of a point to be added and added to a franchisee. In this embodiment, when the card user selects the card settlement, the card is identified as a tip card by the merchant terminal 10 and the transaction is identified as a tip grant transaction, the card issuer server 30 The menu related to the tip donation transaction is displayed on the sign pad of the merchant payment terminal. Specifically, the menu relating to the tip donation transaction may be configured to ask whether to donate a tip, or to input a value or a ratio of a tip donation point. The card user can input the desired tip donation information by selecting the menu displayed on the sine pad, and contents of the approval request specialist can be configured according to the tip donation information inputted by the user.

In another aspect, the approval request message received by the card issuer server 30 may include the entered tip grant information by selecting the menu displayed on the merchant's sales management computer display. As described above, the tip donation information refers to information including a ratio or a value of a point to be added and added to a merchant. In one embodiment, when a card user selects a card payment, the card is identified as a tip card by the sales management computer of the merchant processing the payment, and the transaction is identified as a tip grant transaction, To display a menu related to the tip-donation transaction. Specifically, the menu relating to the tip donation transaction may be configured to ask whether to donate a tip, or to input a value or a ratio of a tip donation point. The user of the merchant terminal 10 asks the card user about the donation of the tip and selects the menu displayed on the display so that the customer can input the tip donation information desired by the customer. The tip donation information inputted in this way can be composed of contents of the approval request specialist.

In another aspect of the proposed invention, the approval request telegram received by the card issuer server 30 may include the input tip donation information by selecting the menu displayed on the display of the smart device including the contactless interface module. FIG. 4 is a view illustrating a menu for determining whether a tip is donated in a smart device, which is a payment means according to an exemplary embodiment. In the illustrated embodiment, the non-contact type interface module is a configuration of a smart device to which an MST (Magnetic Security Transmit) technology is applied, causing a magnetic field to generate a magnetic field in a component causing a magnetic field to induce an electromagnetic induction phenomenon. However, the present invention is not limited to this, and may be any of short-range wireless communication such as NFC, Bluetooth, zigbee, and the like. The detailed description thereof is omitted because it is a known matter. In one embodiment, when a customer requests payment with a smart device that includes a contactless interface module, the smart device displays a menu on the tip donation transaction on the screen. Specifically, the menu relating to the tip donation transaction may be configured to ask whether to donate a tip, or to input a value or a ratio of a tip donation point. The customer can input the desired tip donation information by selecting the menu displayed on the display of the smart device. The customer can enter the desired tip donation information by selecting the menu displayed on the display of the smart device, 10) or the content of the approval request text generated by the sales management computer.

In a specific aspect, the tip donation settlement step includes a step of adding and adjusting the tip donation to the corresponding merchant according to a ratio or a value of a predetermined point through an application of the customer terminal 60 or an Internet homepage. The tip donation information including the ratio or the value of the point to be settled by adding to the merchant can be set by the customer in advance. In one embodiment, the card issuer server 30 provides an application to the smart device, and inputs a ratio or a value of a tip donation point to be performed at the time of payment through a menu provided in the application, The customer management server can store it. In another embodiment, the card issuer server 30 may input information on the tip granting proceeding at the time of payment through the menu provided on the Internet homepage, and may store it in the card issuer server 30. As another example, the tip donation information may be input and received from a customer through a VAN company's Internet homepage. The van server analyzes the card information of the payment request telegram received from the merchant terminal 10 and identifies the corresponding card transaction of the customer. When the payment server transmits the payment approval request telegram to the card company server 30, do. According to this aspect, the tip donation settlement step is added to the corresponding merchant according to the ratio or value of the points stored in advance as described above, and is settled. For example, when a customer makes a payment at a specific merchant through an application, the card company server 30 receives and stores 1% of the points awarded by the card company server 30 as a tip, If a payment is made at 1% of the points awarded by the customer without additional input, a tip is given to the merchant as a tip. In another example, if the customer sets 50 points as a tip to be donated when the tip donation transaction proceeds through the Internet homepage provided by the card issuer server 30, the card company server 30 receives and stores the tip , A tip card can be paid at a merchant later, or when a tip transaction is inputted through the tip donation UI provided according to a payment request, 50 points can be tipped to the merchant without additional input. In one embodiment, the percentage or value of a preset point may be changed later in the application or on the Internet homepage.

In an aspect, in the tip donation settlement step (S03), a point to be added to the franchise point and converted is converted into money according to a predetermined conversion criterion. In one embodiment, the points awarded to the card user may have different values than the actual money. In this case, the card company server 30 sets a conversion reference for converting the point into money in advance, and uses it when the card user donates the point as a tip to the merchant. Specifically, when a card user donates a part of his points to a merchant using a tip card at the time of transaction, the card company server 30 converts the points into money in accordance with a predetermined conversion criterion, The amount to be paid to the merchant is settled by adding the converted value of the points, excluding the fee. The tip converted as described above replaces a certain portion of the merchant fee. Therefore, it is possible to reduce the burden of the commission fee of the merchant, and to enhance the service of the merchant and improve the service to the consumer.

In an aspect, the card payment approval processing method of the card issuer server 30 may further include generating a payment approval notification message including the merchant store evaluation UI at the time of payment approval. In one embodiment, the card issuer server 30 may provide a service for receiving an evaluation of an affiliated store from a customer in addition to providing a service relating to tip donation, as described above, when processing the card payment approval. Specifically, the card issuer server 30 processes the card payment approval, and then generates a payment approval notification message including payment information for the transaction. In one embodiment, the payment approval notification message may be a text message, an MMS, a messenger message, or an e-mail. The card issuer server 30 transmits the generated payment approval message to the customer's terminal or the merchant terminal 10. For example, the customer terminal 60 may be a smart phone, a tablet, a notebook, or a general PC. The transferred payment approval notification message may be displayed on the customer's terminal or on a sign pad of the merchant terminal 10 or on a display displayed to the customer at the merchant terminal 10. Such a payment approval notification message may include a merchant evaluation UI. FIG. 5 is a diagram illustrating an embodiment of the merchant store evaluation UI included when the payment approval notification message is E-mail. In one embodiment, the merchant evaluation UI may be configured to select a score or rating for the merchant. For example, the user can select a rating for the merchant by presenting the option of "Best, Good, Normal, Bad, Very Bad".

In a specific aspect, the merchant evaluation UI may include the URL of the merchant evaluation page. In one embodiment, the payment approval notification message generated and transmitted by the card issuer server 30 may include the URL of the merchant evaluation page. For example, when the card issuer server 30 approves the payment and transmits a payment approval notification message to the card-using customer's terminal, the message includes the URL of the merchant's evaluation page. The customer using the card can access the merchant evaluation page by selecting the URL by clicking or touching the URL. 6 is a diagram illustrating an embodiment including a URL of a merchant evaluation page included in a payment approval notification message. In one embodiment, the merchant evaluation page may be configured to select a score or rating for the merchant.

In one embodiment, in order to induce the customer to click on the URL to access the merchant evaluation page to evaluate the merchant, the card company server 30 can give the customer a point when the merchant evaluates the merchant.

In one embodiment, the card issuer server 30 may donate some of the points awarded by the customer who entered the evaluation according to the evaluation content of the merchant to the tip of the merchant. The tip provided as described above may substitute a certain portion of the merchant fee. Therefore, a franchisee who receives a good franchisee evaluation can reduce the commission fee of the franchisee, thereby enhancing the service of the franchisee and improving the service to the consumer.

The aforementioned evaluation of the merchant may be processed by the card issuer server 30, the payment approval processing server of the card company, the customer management server, the settlement processing server, or a separate service server. Such a service server may be operated by a credit card company directly or by an affiliated company. According to modern advanced network technology, such a service server does not need to be installed in the same place as a credit card company, and may be connected to a network and be located at a remote location.

7 to 8 are flowcharts showing a card payment approval processing method according to an embodiment. The card payment approval processing method includes an approval request reception step S11, a payment approval processing step S12, an approval notification message generation step S13, and an approval notification message transmission step S14 ), A tip donor information receiving step (S15), and a tip donor settlement step (S16) thereafter.

In an aspect, in the payment approval processing step, the card issuer server 30 receives the approval request telegram from the terminal of the merchant (S11). As described above, the approval request telegram includes payment information including the card information, the merchant ID, and the payment amount recognized by the merchant terminal 10.

In an aspect, in the approval notification message generation step, the card issuer server 30 generates an approval notification message for providing a tip provision UI at the time of payment approval (S13). When the card issuer server 30 receives a request for card payment approval from the merchant terminal 10, the card issuer server 30 generates an approval notification message informing the card user of the payment approval process while approving the payment. In one embodiment, the payment approval notification message may be a text message, an MMS, a messenger message, or an e-mail. In one embodiment, the approval notification message generated by the card issuer server 30 may include a tip donation UI, regardless of whether the payment card is a tip card capable of a tip donation transaction. In one embodiment, the tip donation UI comprises a menu relating to tip donation transactions. For example, a menu about a tip borrowing transaction can consist of asking whether to donate a tip, or entering a value or percentage of a tip donation point.

In an aspect, in the approval notification message sending step, the card company server 30 sends the generated approval notice message to the customer's terminal (S14). For example, the customer terminal 60 may be a smart phone, a tablet, a notebook, or a general PC.

In an aspect, in the tip donation receiving step, the card issuer server 30 receives the tip donation information from the customer's terminal (S15). In one embodiment, the customer's terminal receives the approval notification message sent by the card issuer server 30 and displays a message received on the screen. Since the approval notification message includes the tip donation UI, the tip donation UI is displayed on the screen of the terminal. In one embodiment, the customer may enter tip donation information via the tip donation UI displayed on the terminal. For example, a customer who receives an approval notification message on his / her terminal can directly input tip granting information through the tip grant UI displayed on his / her terminal. In an aspect, the tip donation information includes a ratio or a value of a point to be added and added to a franchisee. The concrete contents are as described above.

In one embodiment, upon receiving the tip donation information in the above manner, the card issuer server 30 adds the received tip donation information to the payment information. For example, if the existing payment information includes information such as a payment amount, a payment item, a payment time, etc., it is possible to add occasional tip grant information to the tip grant information so that the tip grant information can be considered together at the settlement stage.

In an aspect, in the tip donation settlement step, the card company server 30 adds at least a part of the points given to the card user in accordance with the transaction at the time of settlement to the corresponding merchant for settlement (S16). The tip donation settlement step is the same as described above. Specifically, in the case of card payment, a franchisee or a credit card company gives a point to the customer so that the customer can use it as a settlement amount for another product or the like, or to pay a gift when the predetermined score or more is accumulated. Such a customer, that is, the card user, may be given a credit at the time of payment approval of the card or after completion of payment. After the payment approval, the card company usually pays the settlement amount to the merchant by excluding the commission fee from the sales. In the proposed invention, when the card issuer server 30 identifies the transaction as a tip donation transaction, the step of adding at least a part of the points awarded to the card user in the step of accounting to the merchant as a tip. That is, the credit card company can pay the merchant the amount calculated by adding the part of the points given to the card user, excluding the merchant fee from the sales. Specifically, a tip given to the merchant in the settlement step is paid in place of the merchant fee, and the card user can use the point given to him as a tip for reducing the burden on the commission fee of the merchant. As a tip provided by customers, a franchisee can reduce the burden of commissions, thereby inducing the service enhancement of the franchisee, and the customer is able to obtain a win-win effect between the consumer and the seller by receiving the improved service have.

In a further aspect, the tip donation settlement step may further include a credit point award settlement step of adding and adjusting at least a part of the points accumulated in the customer to the merchant. As described above, in addition to the points to be given at the time of payment, points that have been earned and earned at the time of payment in the past can be provided as tips.

In an aspect, the tip rendering UI may include a URL of a tip rendering information input page. As described above, the card issuer server 30, after processing the card payment approval, generates an approval notification message including payment information for the transaction. In one embodiment, the payment approval notification message may be a text message, an MMS, a messenger message, or an e-mail. The card issuer server 30 transmits the generated approval message to the customer's terminal. The transmitted approval notification message is displayed on the display of the customer's terminal. In one embodiment, the approval notification message generated and transmitted by the card issuer server 30 may include the URL of the tip donation information input page. For example, when the card issuer server 30 approves payment and transmits an approval notification message to the terminal of the card-using customer, the URL of the page for entering tip-grant information is included in the message. The customer who uses the card can access the tip donation information input page by clicking the corresponding URL. In one embodiment, the tip donation information input page may provide an input menu for determining whether to give a tip to the merchant who made the payment or an input menu for inputting a point value or ratio of the tip to be donated.

In an aspect, the tip donation settlement step includes a step of adding and adjusting the tip donation to the corresponding merchant according to a ratio or a value of a preset point through an application of the customer terminal 60 or an Internet homepage. In one embodiment, the card issuer server 30 can input the ratio or value of the tip donation point through the menu provided by the application through the application provided to the smart device, and store it in the card issuer server 30. In another embodiment, the card issuer server 30 may input a ratio or a value of a tip donation point through a menu provided on the Internet homepage, and store it in the card issuer server 30. The ratio or the value of the tip donation point stored in the card company server 30 can be applied to a case where the customer decides the tip donation through the approval notification message. For example, if the customer sets 1% of the points given to him / her through the application in advance as a tip, the card company server 30 receives and stores the 1% of the points, and after payment is made, If a tip is donated, 1% of the points awarded by the customer without additional input can be tipped to the merchant as a tip. In another example, if the customer sets 50 points as a tip to be donated when the tip donation transaction proceeds through the Internet homepage provided by the card issuer server 30, the card company server 30 receives and stores the tip , The customer can tip 50 points to the merchant without further input when he / she enters the tip donation through the approval notification message. As described above, the ratio or the value of the preset point can be changed later through the application or the Internet homepage.

The card payment approval processing method of the card issuer server can be stored in a nonvolatile recording medium which can be manufactured by a downloadable computer program and read by a computer. Examples of computer-readable media include ROM, RAM, CD-ROM, magnetic tape, floppy disks, and optical data storage devices.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed embodiments, but, on the contrary, is intended to cover various modifications and similarities that may occur to those skilled in the art. The claims are intended to cover such modifications. For example, the term ' card ' as expressed in the claims is to be interpreted to cover many modified forms according to the development of various modern payment means. The 'card' may be a physical card such as a credit card, a check card, or a complex payment card having a membership function, as well as a payment means implemented in a smart device or an electronic payment and payment information processed in a payment server using a biometric authentication means Various types of checking whether the transaction can be settled based on the payment approval request received by the payment processing server, including checking the account balance or the credit limit of the corresponding customer, including the online payment to be processed and the account transfer through the account It must be interpreted to cover payment technology.

10: Merchant terminal 20: VAN server
30: Card issuer server 40: Settlement server
50: customer management server 60: customer terminal

Claims (17)

A card payment approval processing method implemented by a computer program executed by a card issuer server connected to a merchant terminal via a network and executing a computer program stored in a storage device,
An authorization request professional receiving step in which a credit card company server receives an authorization request telegram from a terminal of an affiliate shop;
A tip transaction identifying step of identifying whether the tip card is a tip card transaction by identifying a tip card that can be tipped from the card information included in the approval request message received by the card company server;
A tip donation settlement step of adding at least a part of the card user's points given to the customer according to the transaction when the card dealer server is a tip donation transaction to the corresponding merchant for settlement;
A credit card acceptance processing method of the card company server.
The method of claim 1, wherein the tip donation transaction identification step
Identifying whether the card is a tip card from a card number, a combination of card numbers, or tip card identification data included in the approval request text received by the card issuer server;
A credit card acceptance processing method of the card company server.
The method according to claim 1,
Wherein the credit request message received by the credit card company server includes tip charging information selected by selecting a menu displayed on the sign pad of the merchant payment terminal.
The method according to claim 1,
Wherein the approval request telegram received by the card issuer server includes tip funding information selected by selecting a menu displayed on a merchant sales management computer display.
The method according to claim 1,
Wherein the approval request telegram received by the card issuer server includes tip donation information selected by selecting a menu displayed on a display of a smart device including a contactless interface module.
6. The method according to any one of claims 3 to 5,
And a ratio or a value of a point to be settled by adding to the merchant point.
The method according to claim 1, wherein the tip donut settlement step
And adding the payment to the corresponding merchant according to a ratio or a value of a predetermined point through an application of the customer terminal or an Internet homepage, and making a settlement.
The method according to claim 1, wherein the tip donut settlement step
Converting the points awarded to the card user according to a transaction to be made by the card company server to the merchant and converting the converted points into money according to a predetermined conversion criterion;
The payment approval processing method of the card company server.
2. The method of claim 1, wherein the tip donation settlement step comprises:
Further comprising a credit point server awarding at least a portion of the points accumulated in the customer to the corresponding merchant for settlement.
The method according to claim 1, wherein the card payment approval processing method of the card company server is:
Generating a payment approval notification message including the merchant store evaluation UI at the time of payment approval and transmitting the message to the customer terminal or the merchant terminal,
Wherein the merchant store evaluation UI includes a URL of the merchant store evaluation page.
A card payment approval processing method implemented by a computer program executed by a card issuer server connected to a merchant terminal via a network and executing a computer program stored in a storage device,
An authorization request professional receiving step in which a credit card company server receives an authorization request telegram from a terminal of an affiliate shop;
A payment approval processing step of approving payment according to the payment information included in the approval request telegram received by the card issuer server;
An approval notification message generating step of generating an approval notification message for providing a tip-providing UI when a credit card company server makes a payment approval;
Transmitting an approval notification message to the customer's terminal, the approval notification message being generated by the card company server;
A tip granting information reception step of the card dealer server receiving tip granting information from a customer terminal;
A tip donation settlement step of adding at least a part of a card user's point given to the card user in accordance with the transaction when the card issuer server is settled to the corresponding merchant for settlement;
A credit card acceptance processing method of the card company server.
12. The method of claim 11, wherein the tip-
A method of processing a payment authorization of a card issuer server including a URL of a tip donation information input page.
12. The method of claim 11, wherein the tip donation information
And a ratio or a value of a point to be settled by adding to the merchant point.
12. The method of claim 11, wherein the tip donut settlement step
And adding the payment to the corresponding merchant according to a ratio or a value of a predetermined point through an application of the customer terminal or an Internet homepage, and making a settlement.
12. The payment approval processing method of claim 11, wherein the tip donation settlement step further comprises a credit point awarding step of adding at least a part of points accumulated in the customer to a corresponding merchant for settlement.
A non-volatile recording medium storing a computer program embodying a card payment approval processing method of a card company server according to claim 1 or 11.
delete

Images