KR101852017B1 - Method for providing unusual affiliation distinguishment service using location information and card company server performing the same - Google Patents

Method for providing unusual affiliation distinguishment service using location information and card company server performing the same Download PDF

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KR101852017B1
KR101852017B1 KR1020160136374A KR20160136374A KR101852017B1 KR 101852017 B1 KR101852017 B1 KR 101852017B1 KR 1020160136374 A KR1020160136374 A KR 1020160136374A KR 20160136374 A KR20160136374 A KR 20160136374A KR 101852017 B1 KR101852017 B1 KR 101852017B1
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merchant
franchisee
information
abnormal
franchise
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KR20170142829A (en
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김태호
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비씨카드(주)
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    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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Abstract

According to an embodiment of the present invention, there is provided a method of providing an abnormal merchant identification service using a location information, the method comprising the steps of: (a) receiving a payment approval request including merchant terminal identification information from an affiliated merchant terminal; Querying the location information; (b) checking a distance between the searched merchant position and a previously registered merchant position, and if the distance is equal to or greater than a predetermined distance, transmitting the merchant information to the IRS server and determining whether to change the address information of the merchant for a predetermined period Querying; And (c) if the address information change history of the franchisee is not inquired during the predetermined period, identifying the franchisee as an abnormal franchisee.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method of providing an abnormal merchant point identification service using location information and a card company server performing the method.

The present invention relates to a method of providing an abnormal merchant point identification service using location information and a card company server performing the same. More particularly, the present invention relates to a method of providing a merchant server, A method of providing an abnormal merchant's identification service using location information that minimizes consumption of time and cost for inputting a labor force to identify an abnormal merchant by identifying whether the merchant requesting payment approval is a normal merchant, To the card issuer server.

In recent years, as the economic activities of consumers have become more active, the number of merchants who register fraudulent or illegitimate business information in order to generate high profits or generate false sales is increasing, and the occurrence of fraudulent transactions through such merchants In order to prevent the illegal business sites from being visited, information on the merchant sites is checked and checked.

However, as a method of surveying actual conditions currently being implemented, it is possible to visually check whether the actual workforce is put into the address of the business site and whether the business is in conformity with the registered address and the location of the franchisee, There is a problem that the consumption of space is considerable.

Therefore, there is an increasing demand for a system that can reduce the time and manpower consumption for surveying the actual condition of the workplace by making it possible to identify the illegal workplace through computerization, There is an urgent need for a solution for solving the above-mentioned problems.

Korean Patent Publication No. 2002-0071092

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the conventional art, and it is an object of the present invention to provide a method and apparatus for identifying whether a merchant requesting payment approval is a normal merchant through a check of a separation distance between a location of a merchant terminal The present invention provides a method of providing an abnormal merchant identification service using location information that minimizes consumption of a time and cost for inputting a workforce for identifying an abnormal merchant, and a card company server performing the same.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method for providing an abnormal merchant identification service using a location information, the method comprising the steps of: (a) receiving a payment approval request including merchant terminal identification information, A step of inquiring position information of an affiliate shop when it is received from the terminal; (b) checking a distance between the searched merchant position and a previously registered merchant position, and if the distance is equal to or greater than a predetermined distance, transmitting the merchant information to the IRS server and determining whether to change the address information of the merchant for a predetermined period Querying; And (c) if the address information change history of the franchisee is not inquired during the predetermined period, identifying the franchisee as an abnormal franchisee.

In the step (b), the merchant information may include a business name of the merchant, a merchant identification code, and the like, and may be stored and matched with the registered merchant location information.

Wherein the step (a) comprises the steps of: when the payment approval request including the merchant terminal identification information is received from the merchant terminal, transmitting the received merchant terminal identification information to the communication company server and inquiring the location information of the merchant . ≪ / RTI >

The step (b) may include a step of identifying a distance between the inquired merchant location and a previously registered merchant location, and identifying the merchant as a normal merchant store if the distance is within a certain distance.

In the step (c), when the address information change history of the franchisee is inquired during the predetermined period, the franchisee checks the franchise position detected through the communication company server and the franchise position corresponding to the changed address information, The step of identifying the franchisee as an abnormal franchisee may be included.

In the step (c), when the address information change history of the franchisee is inquired during the predetermined period, the franchisee checks the franchise position detected through the communication company server and the franchise position corresponding to the changed address information, The step of identifying the franchisee as a normal franchisee may be performed.

further comprising the steps of: (d) rejecting the received payment request when the franchisee is identified as an abnormal franchisee; (e) performing monitoring to prevent an unauthorized transaction with the abnormal franchisee, And performing the management of the abnormal merchant by rejecting the received payment request when the payment approval request is received from the abnormal merchant.

The step (d) may include approving the received payment request when the franchisee is identified as a normal franchisee.

According to another embodiment of the present invention, there is provided a merchant location information inquiry unit for inquiring location information of an affiliate store when a payment approval request including the merchant store terminal identification information is received from the affiliate store terminal; The franchise point information is transmitted to the IRS server and the franchisee's shop information is inquired as to whether the franchisee has changed the address information for a predetermined period of time Address information change inquiry unit; And an abnormal merchant identification unit for identifying the merchant as an abnormal merchant when the address information change history of the merchant is not inquired during the predetermined period.

In the merchant address information change inquiry unit, the merchant information may include a business name of the merchant, an identification code of the merchant, and the like, and may be stored in advance in correspondence with the merchant location information registered in advance.

The merchant location information inquiry unit receives the payment approval request including the merchant terminal identification information from the merchant terminal, and transmits the received merchant terminal identification information to the communication company server to inquire about the location information of the merchant have.

The merchant address information change inquiry unit identifies the franchisee as a normal franchisee when the distance between the searched franchisee location and the previously registered franchisee location is within a certain distance.

Wherein the abnormal merchant identification unit identifies a distance between a merchant position inquired through the communication company server and a merchant position corresponding to the changed address information when the history information of the merchant's address is changed for the predetermined period, If the distance is equal to or greater than the predetermined distance, the franchisee can be identified as an abnormal franchisee.

Wherein the abnormal merchant identification unit identifies a distance between a merchant position inquired through the communication company server and a merchant position corresponding to the changed address information when the history information of the merchant's address is changed for the predetermined period, If the distance is within the predetermined distance, the franchisee can be identified as a normal franchisee.

Further comprising a payment approval unit for refusing the received payment request when the franchisee is identified as an abnormal franchise point, performing monitoring for preventing an unauthorized transaction with respect to the abnormal franchisee, The abnormal merchant management unit performing the management of the abnormal merchant by accepting and rejecting the received payment request when the request is received.

The payment approval unit may approve the received payment request when the franchisee is identified as a normal franchisee.

According to an embodiment of the present invention, the card issuer server inquires information required for identifying an abnormal merchant through the external information management server, and determines whether or not the merchant requesting payment approval is normal. Therefore, Consumption of manpower and time is not required, so that it is possible to shorten the time and manpower consumed for selecting an abnormal merchant shop.

In addition, according to an embodiment of the present invention, an abnormal merchant point is identified by using position information obtained based on the merchant terminal identification information, so that it is possible to identify an abnormal merchant point based on accurate distance information.

Further, according to the embodiment of the present invention, it is possible to carry out monitoring on the merchant identified as the abnormal merchant and to reject the payment request received from the abnormal merchant, so that the abnormal merchant can be post-processed, It is possible to prevent illegal transactions that may occur.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

FIG. 1 is a view schematically showing a configuration of a system for providing an abnormal merchant point identification service using location information according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of a card issuer server according to an embodiment of the present invention.
3 is a flowchart illustrating a process of providing an abnormal merchant point identification service using location information according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a view schematically showing a configuration of a system for providing an abnormal merchant point identification service using location information according to an embodiment of the present invention.

Referring to FIG. 1, an abnormal merchant point identification service providing system using location information according to an exemplary embodiment of the present invention includes a merchant terminal 100, a card issuer server 200, a communication company server 300, and an IRS server 400 .

First, the card company server 200, the communication company server 300, the card company server 200, and the IRS server 400 may be connected to each other through a communication network as well as the merchant terminal 100 and the card company server 200, The communication network may be configured without regard to its communication modes such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like.

The merchant terminal 100 may be a CAT (Credit Authorization Terminal) terminal or a POS (Point Of Sales) terminal. When the payment card is recognized by the user, the merchant server 200 is connected to the merchant terminal 200 through a VAN server (not shown) Payment request information including the identification information of the terminal 100, payment approval request amount information, and payment means information. The identification information of the franchisee terminal 100 may be identification information configured in a form capable of acquiring position information, and a representative example may include an IP address configured based on the position information.

The merchant terminal 100 may receive the result of the requested payment approval from the card issuer server 200. [

When a payment approval request including the merchant terminal identification information is received from the merchant terminal 100, the card issuer server 200 transmits the received merchant terminal identification information to the communication company server 300 to inquire about the location information of the merchant have.

When the location information inquiry of the merchant requesting payment approval is completed based on the merchant terminal identification information, the card issuer server 200 transmits the location information of the merchant server 200 to the card issuer server 200, If it is determined that the separation distance is equal to or greater than a predetermined distance, the merchant information may be transmitted to the IRS server 400 to inquire whether the merchant has changed address information for a predetermined period of time. The merchant information may include a business name of the merchant, a merchant identification code, or the like, and may be stored and matched with the registered merchant location information.

According to an embodiment of the present invention, when the location information inquiry of the merchant requesting payment approval is completed based on the merchant terminal identification information, the card issuer server 200 determines the distance between the searched merchant location and the registered merchant location If it is confirmed that the separation distance is within a certain distance, the merchant who has requested payment approval can be identified as a normal merchant.

When the address change history of the merchant is not retrieved for a predetermined period, the card issuer server 200 can identify the merchant that requested payment approval as an abnormal merchant.

When the address change history of the merchant is inquired for a predetermined period of time, the card issuer server 200 confirms the distance between the merchant location inquired through the communication company server 300 and the merchant location corresponding to the address information of the changed merchant, If the distance is more than a certain distance, it is possible to identify the merchant who requested payment approval as an abnormal merchant.

According to an embodiment of the present invention, when the address change history of an affiliated store is inquired for a predetermined period, the card issuer server 200 stores the location of the affiliated store inquired through the communication company server 300 and the affiliated store corresponding to the address information of the changed affiliated store And if the distance is within a certain distance, it is possible to identify the merchant who requested payment approval as a normal merchant.

When the card issuer server 200 identifies the merchant for which the payment approval is requested as an abnormal merchant, the payment request can be rejected.

According to an embodiment of the present invention, when the card issuer server 200 identifies a merchant whose payment approval is requested as a normal merchant, the user can approve the received payment request.

The card issuer server 200 performs monitoring to prevent illegal transactions that may occur with respect to the merchant identified as the abnormal merchant, and if the payment approval request is received from the merchant identified as the abnormal merchant, , The management of the merchant identified as the abnormal merchant can be performed.

The communication company server 300 may receive the merchant location information inquiry request including the merchant terminal identification information from the card issuer server 200. [

The communication company server 300 may inquire the merchant location information based on the merchant terminal identification information received along with the request and send the merchant location information inquiry result to the card issuer server 200 according to the received merchant location information inquiry request have.

The IRS server 400 may receive a request to inquire whether the merchant address information is changed for a predetermined period including the merchant information from the card issuer server 200. [

In response to the request to inquire whether the merchant address information has been changed for a predetermined period, the IRS server 400 inquires whether the address information of the merchant corresponding to the merchant information received along with the request is changed, To the card issuer server (200).

2 is a block diagram showing the configuration of a card issuer server 200 according to an embodiment of the present invention.

2, a card issuer server 200 according to an embodiment of the present invention includes a merchant location information inquiry unit 210, an merchant store address information change inquiry unit 220, an abnormal merchant store identification unit 230, (240) and an abnormal merchant management unit (250).

The merchant location information inquiry unit 210 may receive a payment approval request including the merchant store identification information from the merchant terminal 100. [

The merchant location information inquiry unit 210 transmits a merchant location information inquiry request including the received merchant store identification information to the communication company server 300 when the payment approval request including the merchant identification information is received, The merchant location information inquiry based on the merchant store identification information can be performed.

For example, assuming that the merchant terminal identification information received together with the payment information from the merchant terminal 100 is "123.456.78.90", the merchant location information inquiry unit 210 transmits "123.456.78.90" to the carrier server 300, And can receive the location information corresponding to "123.456.78.90" from the communication company server 300, "275 in Hyosung-ro, Seocho-gu, Seoul. &Quot;

The merchant address information change inquiry unit 220 determines whether the merchant address information is changed based on the location information of the merchant shop inquired through the communication company server 300 and the location information of the corresponding merchant shop registered in advance in the database (not shown) It is possible to calculate the distance between the location of the franchisee inquired through the terminal 300 and the previously registered location of the franchisee.

The merchant address information change inquiry unit 220 checks the distance between the location of the merchant terminal that is inquired through the calculated communication company server 300 and the previously registered location of the merchant store, and determines whether the calculated distance distance is a predetermined distance If it is judged to be more than the standard, the franchisee can be firstly classified into the abnormal franchise group.

According to one embodiment of the present invention, the merchant address information change inquiry unit 220 checks the distance between the location of the affiliated merchant inquired through the calculated communication company server 300 and the previously registered location of the merchant, It is possible to identify the franchisee as a normal franchisee.

The merchant address information change inquiry unit 220 can send a request to inquire whether or not the address information of the corresponding merchant including the merchant information including the merchant information is firstly transmitted to the IRS server 400 for the merchant that is firstly classified as the abnormal merchant group, 400) of the corresponding affiliated store.

For example, when the merchant terminal identification information received along with the payment approval request from the merchant terminal 100 of "coffee specialty store A" is "123.456.78.90", the merchant location information inquired by the merchant location information inquiry unit 210, The location information of the franchise terminal 100 of the "coffee specialty store A" requested to be approved for payment is "hyojung rou 275, Seocho-gu, Seoul" and the address of the "coffee specialty shop A" registered in advance in the database (not shown) Assuming that the reference at a preset distance is "1 km or more ", the merchant address information change inquiry unit 220 inquires of the" shop coffee shop A "about the merchant terminal identification information Quot ;, " 275 ", " Hyosungro 275, Seocho-gu, Seoul, "

The merchant address information change inquiry unit 220 determines that the separation distance between the "275 " and" Seocho central road 52 in Seocho-gu, Seoul, Korea, as a result of calculation of the separation distance is 447 m, As a result of calculating the separation distance, the separation distance between "Hyosungno 275" in Seocho-gu, Seoul and "Seocho-chuanro 52" in Seocho-gu, Seoul is 1302m, while "Coffee specialty shop A" The calculated distance exceeds the predetermined distance of 1 km, so that the "coffee specialty store A" can be firstly classified into the abnormal merchant group.

The merchant address information change inquiry unit 220 transmits the merchant store code number "102837" of "coffee specialty store A" to the IRS server 400 when the "coffee specialty store A" is first classified into the abnormal merchant store group, &Quot; Coffee shop A "

The abnormal merchant identifier 230 may identify the merchant as an abnormal merchant when the address information change history of the merchant is not retrieved for a predetermined period of time.

When the address information change history of the merchant is inquired for a predetermined period, the abnormal merchant identifier 230 identifies the merchant location, which is inquired through the communication company server 300, and the most recent address information changed on the IRS server 400 The distance between the franchisee positions can be calculated.

The abnormal merchant identifier 230 identifies the location of the merchant searched through the calculated communication company server 300 and the location of the merchant corresponding to the most recent address information changed on the IRS server 400, , It is possible to identify the franchisee as an abnormal franchisee.

According to the embodiment of the present invention, the abnormal merchant identifier 230 identifies the location of the merchant inquired through the calculated communication company server 300 and the merchant location corresponding to the most recent address information changed on the IRS server 400 , It is possible to identify the franchisee as a normal franchisee.

For example, when the merchant address information change inquiry unit 220 transmits the merchant shop code number "102837" of "coffee shop A" to the IRS server 400, the address information of "coffee shop A" Assuming that the history changed from "Seocho Seocho Central Road 52" to "Seocho-gu Seocho-chung 2 Road 22, Seoul City" is inquired, the abnormal merchant point identification unit 230 identifies the location of the merchant requesting the payment approval inquired through the communication company server 300, It is possible to calculate the separation distance between the " 275 " and the franchise shop corresponding to the changed address information of the merchant.

The abnormal merchant identification unit 230 identifies the merchant location corresponding to the changed address information of the merchant and the "275 ", which is the location of the merchant requesting payment approval inquired through the communication company server 300, And the distance 22 'is 523 m, it is determined that the calculated distance does not exceed 1 km, which is a preset predetermined distance, so that the franchisee is identified as a normal franchisee, while the communication company server 300 Assuming that the separation distance between "Hyosungro 275, Seocho-gu, Seocho-gu, Seoul, which is the location of the requested merchant for payment approval and 1124m, is the distance between the merchant location corresponding to the changed address information of the merchant and" It is determined that the calculated separation distance exceeds 1 km, which is a predetermined distance reference, and the corresponding merchant is referred to as an abnormal merchant It can be identified.

The payment approval unit 240 may approve the payment request if the merchant for which payment approval is requested is identified as an abnormal merchant.

According to an embodiment of the present invention, the payment approval unit 240 can approve the payment request when the merchant whose payment approval is requested is identified as a normal merchant.

The abnormal merchant management unit 250 may monitor the merchant identified as the abnormal merchant to prevent the occurrence of the illegal transaction.

The unusual merchant management unit 250 manages abnormal merchants by recognizing an abnormal merchant through the monitoring of the abnormal merchant, rejecting the received payment request when a payment approval request is received from the abnormal merchant, can do.

3 is a flowchart illustrating a process of providing an abnormal merchant point identification service using location information according to an embodiment of the present invention.

First, a payment approval request including the merchant terminal identification information may be transmitted from the merchant terminal 100 to the credit card company server 200 (S301).

The card issuer server 200 that has received the payment approval request from the merchant terminal 100 may transmit the received merchant terminal identification information to the communication company server 300 to perform the merchant location information inquiry based on the merchant terminal identification information (S302).

When the location of the merchant for which payment approval has been requested is inquired through the communication company server 300, the card company server 200 registers in advance in the database (not shown) in the card company server 200 the merchant location searched through the communication company server 300 (Step S303). In step S303, it is determined whether the calculated distance is equal to or greater than a preset distance.

When it is determined that the calculated separation distance is equal to or larger than a predetermined distance reference, the card issuer server 200 first classifies the affiliated merchant into the abnormal merchant group and determines whether the affiliated merchant is normal or not, The merchant information may be transmitted to the IRS server 400 (S304).

On the other hand, if it is determined that the calculated distance does not exceed the predetermined distance reference, the card issuer server 200 can finally identify the corresponding merchant as a normal merchant (S305).

The card issuer server 200 can transmit the merchant information to the IRS server 400 for the merchant that is firstly classified as the abnormal merchant group and confirm the existence of the address information change history of the merchant for a predetermined period of time in step S306.

When it is determined that there is an address information change history of the corresponding merchant for a predetermined period of time, the card company server 200 determines the difference between the merchant location corresponding to the address information confirmed to be changed and the merchant shop location inquired through the communication company server 300 It is possible to determine whether the calculated distance is equal to or greater than a predetermined distance reference (S307).

On the other hand, if it is determined that there is no address information change history of the corresponding merchant for a predetermined period, the card company server 200 can identify the merchant as an abnormal merchant shop (S308).

The distance between the location of the merchant corresponding to the address information confirmed to have been changed through the IRS server 400 and the location of the merchant shop inquired through the communication company server 300 is calculated and the calculated distance is equal to or larger than a predetermined distance reference If it is confirmed, the card issuer server 200 can identify the franchisee as an abnormal franchisee (S309).

On the other hand, the distance between the location of the merchant corresponding to the address information confirmed to have been changed through the NTS server 400 and the location of the merchant shop inquired through the communication company server 300 is calculated, , The card issuer server 200 can identify the corresponding affiliate shop as a normal affiliate shop (S310).

Upon completion of the identification of whether or not the merchant requesting payment approval is normal, the card issuer server 200 may approve or reject the requested payment authorization according to the identification result.

Specifically, if it is identified that the merchant requesting payment approval is a normal merchant, the card company server 200 can approve the payment requested by the merchant. On the other hand, if the merchant whose payment approval is requested is identified as an abnormal merchant, The server 200 can approve the requested payment at the corresponding merchant.

The card issuer server 200 may perform monitoring to prevent an unauthorized transaction from occurring to the merchant identified as an abnormal merchant. By performing the monitoring, if the payment approval request is received from the abnormal merchant after being selected as the abnormal merchant, the payment request can be rejected.

As described above, according to the embodiment of the present invention, the card issuer server inquires the information required for identifying the abnormal merchant through the external information management server and determines whether or not the merchant requesting payment approval is normal, There is an effect that consumption of manpower and time for identification is not required, and time and manpower consumed for selecting an abnormal merchant shop can be shortened.

In addition, according to an embodiment of the present invention, an abnormal merchant point is identified by using position information obtained based on the merchant terminal identification information, so that it is possible to identify an abnormal merchant point based on accurate distance information.

Further, according to the embodiment of the present invention, it is possible to carry out monitoring on the merchant identified as the abnormal merchant and to reject the payment request received from the abnormal merchant, so that the abnormal merchant can be post-processed, It is possible to prevent illegal transactions that may occur.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: Merchant terminal
200: card company server
210: Merchant location information inquiry unit
220: inquiry whether the merchant address information is changed
230: abnormal merchant identification unit
240: Payment Authorization Unit
250: Abnormal merchant management department
300:
400: IRS server

Claims (16)

A method of providing an abnormal merchant identification service using a location information,
(a) obtaining, when a payment approval request including the merchant terminal identification information is received from the merchant terminal, an inquiry result on the merchant location information, the merchant location information being set by the communication company server;
(b) checking a distance between a franchise point location registered in advance and a franchise point location registered in advance according to a result of inquiry about the acquired franchise point location information, and if at least one of the franchise point name information and the franchise point identification code information Transmitting the merchant information including a part of the merchant information to the IRS server and inquiring whether the address information of the merchant has been changed for a predetermined period of time;
(c) if the address information change history of the franchisee is inquired during the predetermined period of time, a distance between the franchise position according to the inquiry result of the acquired franchise location information and a franchise position corresponding to the changed address information, Identifying the franchisee as an abnormal franchisee only when it is determined that the fancy distance is equal to or greater than the predetermined distance; And
(d) if the franchisee is identified as an abnormal franchisee, refusing the received request for payment.
The method according to claim 1,
In the step (b)
Wherein the merchant information is stored in a matching manner with the registered merchant location information.
delete The method according to claim 1,
The step (b)
And identifying a franchisee as a normal franchisee when the distance between the franchisee point and the previously registered franchisee point is within a predetermined distance by checking the acquired franchisee location information, How to provide merchant identification service.
The method according to claim 1,
The step (c)
And identifying the franchisee as an abnormal franchisee when the address information change history of the franchisee is not inquired during the predetermined period.
The method according to claim 1,
The step (c)
When the address information change history of the franchisee is inquired during the predetermined period, the franchisee checks the franchise position corresponding to the acquired franchise position information and the franchise position corresponding to the changed address information, And identifying the franchisee as a normal franchisee when it is determined that the franchisee is within the predetermined distance.
The method according to claim 1,
(e) performing a monitoring for preventing an unauthorized transaction to the abnormal merchant, and if the payment approval request is received from the abnormal merchant, accepting the received payment request, the abnormal merchant is managed The method further comprising the steps of:
The method according to claim 1,
The step (d)
And accepting the received payment request when the franchisee is identified as a normal franchisee.
An affiliate shop location information inquiry unit that obtains inquiry result on the merchant store location information when the payment approval request including the merchant store terminal identification information is received from the merchant store terminal, the merchant store location information being set by the communication company server;
The method includes confirming a distance between a franchise point location registered in advance and a franchise point location registered in advance according to an inquiry result of the acquired franchise point location information and storing at least a part of the business name information and the franchise point identification code information of the franchisee An affiliate shop address information change inquiry unit for sending merchant information to the IRS server and inquiring whether the address information of the affiliate shop has been changed for a predetermined period of time;
When the address information change history of the franchisee is inquired during the predetermined period, the franchisee checks the franchise position corresponding to the acquired franchise position information and the franchise position corresponding to the changed address information, An abnormal merchant point identification unit that identifies the merchant point as an abnormal merchant point only when it is determined that the distance is equal to or greater than the predetermined distance; And
And a payment approval unit for refusing the received payment request when the franchisee is identified as an abnormal franchisee.
10. The method of claim 9,
In the merchant address information change inquiry unit,
Wherein the merchant information is stored in a matching manner with the merchant location information registered in advance.
delete 10. The method of claim 9,
The merchant address information change inquiry unit,
And identifies the franchisee as a normal franchisee when the distance between the franchisee point and the previously registered franchisee point is within a predetermined distance based on the inquiry result of the acquired franchisee location information.
10. The method of claim 9,
Wherein the abnormal merchant-
And identifies the franchisee as an abnormal franchisee when the address information change history of the franchisee is not inquired during the predetermined period.
10. The method of claim 9,
Wherein the abnormal merchant-
When the address information change history of the franchisee is inquired during the predetermined period, the franchisee checks the franchise position corresponding to the acquired franchise position information and the franchise position corresponding to the changed address information, And identifies the franchisee as a normal franchisee when it is confirmed that the franchisee is within the predetermined distance.
10. The method of claim 9,
An abnormal merchant that performs the management for the abnormal merchant by performing the monitoring for preventing the unauthorized merchant from the abnormal merchant and then accepting the payment request when the payment approval request is received from the abnormal merchant, Further comprising a management unit.
10. The method of claim 9,
The settlement approval unit,
And approves the received payment request when the franchisee is identified as a normal franchisee.
KR1020160136374A 2016-06-20 2016-10-20 Method for providing unusual affiliation distinguishment service using location information and card company server performing the same KR101852017B1 (en)

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