KR102222342B1 - System and method for controlling use of credit cards in advance and computer program for the same - Google Patents

Abstract

The present invention relates to a system for controlling use of a card in advance which comprises: a storage unit configured to store use rule information of a card and access information to a card company server associated with the cards; an audit unit configured to receive a card use request from a user device of a card user, and to determine whether the card use request conforms to a use rule based on the card use rule information; and a communication unit configured to convert the card registered in the card company server to a usable state by communicating with the card company server using the access information when the audit unit determines that the card use request meets the use rule. According to the present invention, the system for controlling use of a card in advance checks whether the use rule, based on the time to use the card, location, pre-approval, employee limits, and the like, is met by using web scraping technology and a user′s mobile device, can use the card only when the use rule is met, and, accordingly, can reduce manpower and cost required for monitoring and auditing to check whether use history meets the use rule after using the card.

Description

Card use advance control system and method, and computer program for the same TECHNICAL FIELD [SYSTEM AND METHOD FOR CONTROLLING USE OF CREDIT CARDS IN ADVANCE AND COMPUTER PROGRAM FOR THE SAME}

The embodiments relate to a card use pre-control system and method, and a computer program therefor, and more specifically, the use of an inappropriate card in advance when an employee of a company intends to use a corporate card to use company expenses. By controlling it, it is about techniques that can reduce the additional time and cost required for post-audit.

In some cases, corporations issue corporate cards and pay them to executives and employees so that executives and employees can use the corporate card to pay the expenses necessary for their job duties. At this time, expenses made by using the corporate card may be limited according to the company's usage regulations that stipulate the time of use, the range of the area of use, and the amount of use. For example, if an employee's card is used in violation of these usage regulations, companies may not provide support for the cost or request an explanation from the card user.

Conventionally, the determination as to whether or not the card user's expense expenditure complies with the usage regulations has to be made after the card usage details are transmitted from the card company to the company. However, since the card usage details are transmitted from the card company to the company from a few days to tens of days after the card user uses the card, if the corporate card payment is inappropriate, cancel or supplement the payment or the employee who is the card user. Explaining the payment details to the person is cumbersome and difficult.

In addition, there is a case in which a company has a separate manpower to monitor the use of expenses to monitor the usage history of the corporate card. In this case, there is a problem that additional manpower and expenses are continuously required for monitoring and auditing the use of expenses.

Registered Patent Publication No. 10-1885072

According to an aspect of the present invention, in the case of using a card of a controlled user, for example, when an employee of a company wants to use a corporate card to use company expenses, it is required for post-audit by controlling the use of inappropriate expenses in advance. Card usage advance control system and method that can save additional time and cost and a computer program for the same can be provided.

A system for controlling card use in advance according to an aspect of the present invention includes: a storage unit configured to store card use rule information and access information to a card company server associated with the card; An audit unit configured to receive a card use request from a user device of a card user, and determine whether the card use request conforms to the use rule based on the card use rule information; And a communication unit configured to convert the card registered in the card company server into a usable state by communicating with the card company server using the access information when it is determined by the audit unit that the card use request conforms to the usage regulations. Includes.

In one embodiment, the communication unit is further configured to change the suspension status or limit of the card registered in the card company server when it is determined that the card use request satisfies the usage regulations.

In one embodiment, the communication unit is further configured to change the card suspension status or limit in a scraping method by accessing a web page provided by the card company server using the access information. .

In one embodiment, the audit unit is further configured to provide information on whether a card is available or not to a user device of the card user in response to the card use request.

In one embodiment, the audit unit is further configured to set a valid time during which the card can be used when it is determined that the request for using the card meets the usage regulations. At this time, the communication unit is further configured to convert the card registered in the card company server into an unusable state by communicating with the card company server when the valid time set by the audit unit elapses after switching the card to a usable state. It is composed.

The card use dictionary control system according to an embodiment further includes a management unit configured to receive the use rule information from a user device of an administrator corresponding to the card and store the information in the storage unit.

A method for controlling card use according to another aspect of the present invention includes the steps of storing card usage rule information and access information to a card company server associated with the card in a card use advance control system; Receiving, by the card use advance control system, a card use request from a user device of a card user; Determining, by the card use advance control system, whether the card use request conforms to the use rule based on the card use rule information; And when the card use pre-control system determines that the card use request satisfies the usage regulations, the card use the access information to communicate with the card company server to convert the card registered in the card company server into a usable state. Includes steps.

In one embodiment, the step of converting the card to a usable state includes the step of changing, by the card use advance control system, a state or limit of suspension of use of the card registered in the card company server.

In one embodiment, the step of changing the card use suspension state or limit registered in the card company server, the card use advance control system, by accessing the web page provided by the card company server using the access information And changing the status or limit of the card in use by a scraping method.

The card use dictionary control method according to an embodiment further includes the step of, by the card use dictionary control system, providing information on whether or not a card is available to the card user's user device in response to the card use request. do.

A method for pre-controlling use of a card according to an embodiment includes the steps of, by the card use pre-control system, setting a valid time in which card use is possible when it is determined that the card use request satisfies the use rule; And when the valid time elapses after converting the card to a usable state, the card use advance control system, by communicating with the card company server, converting the card registered in the card company server to an unusable state. Includes.

The card use dictionary control method according to an embodiment further includes the step of receiving, by the card use dictionary control system, the use rule information and the access information from a user device of an administrator corresponding to the card, before the storing step. Includes.

A computer program according to an embodiment is for executing the card usage pre-control method according to the above-described embodiments by being combined with hardware, and may be stored in a computer-readable recording medium.

According to the system and method for controlling card use in advance according to an aspect of the present invention, when an employee of a company or the like wants to spend company expenses using a corporate card, the time, location, and time when the card is to be used using the user's mobile device. It is possible to check whether the usage regulations based on prior approval, limit for each employee, etc. are satisfied, and only when the usage regulations are met, access the card company server through web scraping technology to enable card use. .

According to the system and method for controlling card use according to an aspect of the present invention, it is possible to manage the use of the card only for request for use that meets the usage regulations before approval of the card. There is an advantage of reducing the manpower and cost required for monitoring and auditing to check whether the card usage history conforms to the usage regulations.

1 is a block diagram of a system for controlling card usage in advance according to an exemplary embodiment.
2 is a flowchart illustrating a process of registering usage rules and access information according to a method for controlling card usage in advance according to an exemplary embodiment.
3 is a conceptual diagram illustrating a state in which a card use advance control system according to an exemplary embodiment is connected to a card company web page.
4 is a flow chart illustrating a process of auditing and processing whether a card is used in accordance with a usage rule according to a method for controlling a card usage in advance.
5A and 5B are conceptual diagrams illustrating exemplary user interfaces displayed on a user device of a card user by a card usage pre-control system according to an exemplary embodiment.

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

1 is a block diagram of a system for controlling card usage in advance according to an exemplary embodiment.

Referring to FIG. 1, the card use advance control system 3 according to the present embodiment controls the card user's user device 1 (or also referred to as the first user device) and/or the card user's expense use, It may be a server that communicates with and operates with the managing administrator's user device 2 (or also referred to as a second user device). For example, the card user may be an employee of a company who spends expenses using the company's corporate card, and the manager may be a person in charge of handling expenses of the company.

However, the situation in which the card use pre-control system according to the embodiments is applied is not limited to the use of corporate cards by corporate executives and employees, and management and supervision of a predetermined manager is required for card users' use activities such as card use by minors. It can be applied to any field.

In FIG. 1, the user device 1 of the card user is shown as a smartphone, and the user device 2 of the administrator is shown in the form of a notebook computer. ) May be any computing device such as a mobile computing device such as a smartphone, a personal computer, a notebook computer, a tablet computer, and a personal computer (PC).

In one embodiment, the card usage pre-control system 3 is at least partially communicated with an application (or app) running on the user devices 1 and 2 to enable the execution of the function of the application. Function can be performed. Or/In addition, the card use advance control system 3 is a web server that provides a predetermined web page that can be accessed through a web browser or the like that is at least partially executed on the user devices 1 and 2 It can also perform the function of (web server).

The card use advance control system 3 is configured to communicate and operate with the card company server 4 in order to manage the availability of the card used by the card user. In addition, for the above operation, the card use pre-control system 3 includes authentication information (e.g., ID, password, card number, expiration date, CVC, authorization) for performing authentication on a web page provided by the card company server 4, etc. Certificates, etc.) can be stored. This is particularly advantageous if the card used by the card user is a corporate card. In this case, the card use advance control system (3) communicates with the card company server (4) to control whether or not the corporate card can be used. You can save the authentication information.

The card use advance control system (3) audits whether or not the card user's request for card use meets the pre-set rules of use, and only if the card user's request for use meets the rules of use, the card can be used through communication with the card company server (4). By switching to the state, preliminary control is carried out to prevent card usage that does not conform to the usage rules. In order to check whether the card usage request conforms to the usage rules, the card usage advance control system 3 may be configured to further communicate with one or more external servers 5, which will be described in detail later.

In one embodiment, even if the card use request conforms to the usage rules, the card use advance control system 3 grants an expiration time to allow limited use of the card, and when the expiration time elapses, the card company server 4 It is also possible to convert the card into an unusable state through communication with.

For the above operation, the card use advance control system 3 may communicate with the user devices 1 and 2, the card company server 4, and/or the external server 5 through a wired and/or wireless network. In the present specification, the communication method through a wired and/or wireless network may include all communication methods capable of networking an object and an object, and is not limited to wired communication, wireless communication, 3G, 4G, or other methods. .

In one embodiment, the card use advance control system 3 includes a storage unit 30, an audit unit 32 and a communication unit 33. In addition, in one embodiment, the card use advance control system 3 may further include a management unit 31.

The devices described herein may be wholly hardware, or may have aspects that are partly hardware and partly software. For example, the card use advance control system 3 and each system, device, server and each unit included therein communicate with each other, a device for sending and receiving data of a specific format and content in an electronic communication method, and related thereto. It can be collectively referred to as software. In this specification, terms such as "unit", "module", "server", "system", "platform", "device" or "terminal" refer to a combination of hardware and software driven by the hardware. It is intended to do. For example, the hardware here may be a data processing device including a CPU or other processor. In addition, software driven by hardware may refer to an executing process, an object, an executable file, a thread of execution, a program, and the like.

In addition, in this specification, each unit constituting the card use advance control system 3 is not necessarily intended to refer to separate components that are physically separated. That is, in FIG. 1, each unit 30-33 of the card use advance control system 3 is shown as a separate block, which is distinguished from each other, but this is functional by the operation executed by the card use advance control system 3 It is divided into. Depending on the embodiment, some or all of the above-described units may be integrated into the same single device, or one or more units may be implemented as separate devices that are physically separated from other units. For example, each unit of the card use advance control system 3 may be components that are communicatively connected to each other in a distributed computing environment.

The storage unit 30 of the card use advance control system 3 is configured to store card use rule information related to a card used by a card user and access information to a card company server related to the card.

In this specification, the card usage regulation information refers to information that serves as a standard for regulating or limiting the usage time, usage location, usage amount, and business type of the card in relation to the card and/or the user of the card. For example, the target card is a corporate card of a company, and in this case, the card usage regulation information may be an expense expenditure regulation related to the use of company expenses by employees. Such card usage regulation information may be determined irrespective of the user, or may be determined for each user based on the card user's position, rank, job, career, pre-approval status, business trip, or business vehicle use. For example, when an employee is traveling to a specific area, usage regulation information may be defined so that expenses can be spent only in that area.

In addition, in the present specification, the access information refers to information used to manage the availability of the card by accessing the card company server 4 in the card use advance control system 3. For example, the access information may include the card company's web page address, the cardholder's subscription information for the card company's service (eg, ID, password, etc.), authentication information for the card owner's identity authentication (authorized certificate, etc.), etc. , But is not limited thereto.

In one embodiment, the aforementioned card usage regulation information and access information may be received from the user device 2 of the administrator by the management unit 31 and stored in the storage unit 30.

The audit unit 32 receives a card use request from the user device 1 of the card user. In addition, the audit unit 32 is configured to determine whether or not the card user's request to use the card meets the usage regulation, based on the card usage regulation information stored in the storage unit 30. The audit unit 32 may transmit information on whether the card user's request to use the card meets the usage regulations to the user device 1 of the card user who requested the card use.

The communication unit 33 communicates with the card company server 4 by using the access information stored in the storage unit 30 when it is determined by the audit unit that the card user's request to use the card meets the usage regulations. It is configured to switch the card registered in the server 4 into a usable state. For example, the communication unit 33 connects to the card company server 4 and releases the card's suspension status to convert the card into a usable state, or by increasing the limit of the card to convert the card into a usable state. have.

The above operation is performed by web scraping (or screen scraping or web scraping) in which the communication unit 33 automatically accesses the web page provided by the card company server 4 using the access information to perform the necessary operation. It may be performed by crawling (also referred to as web crawling), which will be described in detail later.

2 is a flowchart illustrating a process of registering usage rules and access information according to a method for controlling card usage in advance according to an exemplary embodiment.

Referring to FIG. 2, the manager 200 may access the card use pre-control system 3 to register a usage rule (S11). Although not shown in the drawings for convenience of explanation, it is common that communication between the manager 200 and the card use advance control system 3 is performed through communication means such as a user device 2 (FIG. 1) of the manager 200. It will be easily understood by the technicians.

The management unit 31 of the card use advance control system 3 may receive the card use rule from the manager 200 and store it in the storage unit 30 of the card use advance control system 3 (S12). At this time, the card usage regulations refer to the allowed user information for each card, information on the card usage time, information on the card usage location (e.g., work place, employee residence, etc.), usage limit information for each employee, usage limit information for each department, usage limit information for each budget, It may refer to any information that regulates or restricts the use of a card according to business vehicle availability information, availability information according to the presence or absence of prior approval, and other company business policies.

In addition, the manager 200 may register access information for changing the use state of the card in the communication unit 33 of the card use advance control system 3 (S13). For example, the access information includes the address of a web page related to the card company's card service, the card holder's subscription information for the card company service (e.g., ID, password, etc.), and authentication information for the identity verification of the card owner (authorized certificate, etc.). ) And the like. In an embodiment, the communication unit 33 may store the received access information in the storage unit 30.

Next, the communication unit 33 of the card use advance control system 3 connects to the card company server 4 using the received connection information, and registers regulations for controlling the use of the card in the card company server 4. It can be done (S14). This means that the target card for which the use of the card is to be controlled in advance is placed in a state in which card approval is not possible through communication with the card company server 4, for example, the card is suspended or the limit of the card It may mean that the amount is substantially unusable (eg, 0 won).

3 is a conceptual diagram illustrating a state in which a card use dictionary control system according to an exemplary embodiment accesses a card company web page.

2 and 3, the communication unit 33 of the card use advance control system 3 may automatically access a card company web page as shown in FIG. 3 through web scraping using access information. The web page of the card company provides information 410 on the service target card and a user interface 400 (eg, a button, etc.) that can change the usage status of the card, and the communication unit 33 automatically By entering the service page of the target card and interacting with the user interface 400 (eg, clicking a button, etc.), the target card may be disabled.

In Fig. 3, it has been described that the card cannot be used by registering the suspension of use of the card, but the card cannot be used in any other way or by changing the limit of the card to an amount that is practically impossible to use. It can also be done, and this operation can be realized through the above-described web scraping.

FIG. 4 is a flowchart illustrating a process of auditing and processing whether a card is used according to a method for controlling use of a card according to an exemplary embodiment.

Referring to FIG. 4, in a state in which the card use regulation is registered in the card company server 4 by the above-described process, the card user 100 is sent to the audit unit 32 of the card use advance control system 3. You can request the use of the card you want to use (S21). At this time, it will be readily understood by those of ordinary skill in the art that communication between the card user 100 and the card use advance control system 3 is performed through communication means such as the user device 1 (FIG. 1) of the card user 100. .

In one embodiment, the audit unit 32 may receive time information and/or location information of the user device from the user device of the user 100 when the user 100 requests to use the card. For example, the location information of the user device may be obtained by a Global Positioning System (GPS) device provided in the user device. The above operation may be implemented by an application (or app) installed on the user device 1 (FIG. 1) and communicating with the card use pre-control system 3, but is not limited thereto.

The audit unit 32 uses the information received from the user 100 and the usage regulation information previously stored in the storage unit 30 to determine whether the user's 100 card usage request meets the usage regulation. It can be determined (S22).

For example, if the current location of the user 100 is not the location of use defined by the usage regulations (e.g., work place, employee residence, etc.), the current time in the area where the user 100 is located is the prescribed usage time (e.g. , Working hours), or when the limit for the use of the user (100) individual, the department to which the user (100) belongs, or the budget related to the user (100) is exceeded, etc., it is determined that the use of the card does not comply with the usage regulations. I can. In addition, whether or not the limit is exceeded may be determined based on the cumulative amount of use of a specific user 100 or a department to which the user 100 belongs, or a related budget.

In another embodiment, a usage rule may be defined so that the card can be used only when expenditure is pre-approved for each user/department/budget. In this case, the audit unit 32 receives a predetermined identifier (eg, approval number, etc.) indicating the fact of prior approval from the user 100 requesting the use of the card, and the corresponding identifier is received from the administrator 200 Alternatively, it may be determined that the use of the card by the user 100 meets the usage rule only when it is verified through other information.

In another embodiment, a usage rule may be defined to specify the business type of affiliate stores that can be spent for each user/department/budget. For example, the usage rules may define usage rules so that only employees who use business vehicles can use corporate cards at gas stations, including information on whether or not each employee uses a business vehicle. In this embodiment, the audit unit 32 receives information (e.g., a card affiliated store number, a business registration number, etc.) that can specify the location to use the card from the user 100 requesting the use of the card, and receives the corresponding information. It may be determined that the use of the card by the user 100 conforms to the usage regulation only when the business category of the user to be identified using is the expenditureable business category defined by the usage regulation.

At this time, in order to check whether the business type of the user is classified as an expenditureable business type defined in the usage regulation, the audit unit 32 uses the information of the user (e.g., card affiliated store number) received along with the card use request to the card company server 4 ), you can receive the industry classification of the user. Alternatively, the audit unit 32 can receive the business type classification of the user by inquiring an external server (5; Fig. 1) such as the IRS server using the information (eg, business registration number) received together with the card use request. May be.

When it is confirmed by the audit unit 32 that the card use of the user 100 satisfies the usage regulations, the communication unit 33 accesses the card company server 4 using the previously received access information to access the card company server 4 It is possible to release the regulation on the use of the card registered in) (S24). This means that if the card was previously registered in a suspended state, the suspended state is canceled, or if the card's limit was previously set to an unusable amount (e.g., KRW 0), the limit can be used. It can mean increasing the amount up to the amount.

In addition, in an embodiment, the audit unit 32 may notify the user 100 of information that the card user 100 has confirmed that the card can be used as a result of the audit (S25). Alternatively, if it is determined that the card user 100 does not use the card, the audit unit 32 notifies the card user 100 of information indicating that the card user 100 cannot use the card. It can also be done (S25). The card user 100 confirmed that the card can be used can use the physical card at the place of use (S26).

In an embodiment, even if the card usage request meets the usage regulation, the release of the regulation on the usage of the card may be made temporarily by setting an expiration time. In this case, the audit unit 32 sets a predetermined valid time for card use before releasing the restriction on use through communication with the card company server 4 (S24), and the valid time elapses after the regulation is released. Then, the communication unit 33 can switch back to the previous state in which the card cannot be used through communication with the card company server 4 (S27). This may mean that the card is suspended or the card usage limit is changed to an amount that cannot be used substantially (eg, 0 won).

In addition, in an embodiment, the audit unit 32 and the communication unit 33 may release restrictions on the use of the card based on the scheduled use time or the amount of use included in the card use request. For example, the card user 100 may roughly designate the time at which he/she intends to use the card and request the use of the card, and at this time, the communication unit 33 responds to the arrival of the expected use time designated by the user 100. In response, when a certain period of time (eg, 3 minutes) elapses from the expected usage time, the card can be communicated with the card company server 4 to regulate the use of the card again regardless of whether the card is used or not. .

Alternatively, the communication unit 33 may be configured to re-register the regulations for the corresponding card in response to the completion of the card use by the card user 100. Whether the card user 100 has finished using the card can be determined by receiving the card approval details from the card company server 4 through web scraping in the communication unit 33. In addition, when there are multiple approval details, which details are due to the use of the card requested by the card user 100 can be confirmed by comparing the usage time, the amount used, and the usage location of the card usage history with the information included in the card usage request. I can.

Furthermore, when the card user 100 requests the use of the card by designating the amount of use he wishes to use the card, the communication unit 33 uses the card to the extent that the amount of use requested by the user 100 can be approved. By setting the degree, restrictions on card use can be lifted. For example, if the total sum of the monthly amount used by executives and employees using the same card is 10 million won, and the amount requested by the user 100 is 1 million won, the communication department 33 will use the requested amount for the total amount of the existing amount used. It is possible to make it impossible to approve additional cards of more than 1 million won by setting the total amount of 11 million won as the limit. According to this embodiment, since the card can be used for the same amount as the amount used by the user 100 requested and confirmed by the use rule, the card user 100 is prevented from using more than the amount permitted by the rule. It can be prevented at the source.

5A and 5B are conceptual diagrams illustrating exemplary user interfaces displayed on the user device 1 (FIG. 1) of the card user 100 (FIG. 4) by the card use advance control system according to an exemplary embodiment.

5A illustrates a screen displayed on a user device when it is determined that the use of a card meets the usage regulations. As illustrated, in this case, information 510 indicating that the use of the card using the corresponding card is approved may be displayed together with information on the target card 500 approved for use on the user device. In one embodiment, when the card usage is temporarily approved by the valid time, a timer 520 indicating the valid time together with the above-described information may be further displayed on the user device.

FIG. 5B illustrates a screen displayed on a user device when it is determined that the use of the card does not comply with the usage regulation, or when it is determined that the use of the card meets the usage regulation but the card cannot be used during the valid period. As illustrated, in this case, information 540 indicating that the use of the card using the corresponding card has not been approved may be displayed together with the information on the target card 500 on the user device. At this time, the information indicating that the use of the card has not been approved (540) is for the reason for limiting the use of the card (e.g., expiration of valid time, departure from use time or place of use, exceeding the limit, lack of prior approval, violation of the type of business used, etc.) Content may be included.

The operation of the card usage pre-control method according to the above-described embodiments may be implemented at least partially as a computer program and recorded on a computer-readable recording medium. A recording medium in which a program for implementing an operation according to the method according to the embodiments is recorded and the computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. In addition, the computer-readable recording medium may be distributed over a computer system connected through a network, and computer-readable codes may be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing this embodiment may be easily understood by those of ordinary skill in the art to which this embodiment belongs.

The present invention described above has been described with reference to the embodiments shown in the drawings, but these are merely exemplary, and those of ordinary skill in the art will understand that various modifications and variations of the embodiments are possible therefrom. However, such a modification should be considered to be within the technical protection scope of the present invention. Therefore, the true technical scope of the present invention should be determined by the technical spirit of the appended claims.

Claims (13)

As a card use pre-control system configured to communicate and operate with a card company server to manage the availability of cards used by card users,
A storage unit configured to store usage regulation information of the card and access information to the card company server associated with the card;
Before the card is used at the place of use, by communicating with the user device of the card user, the user device sends a card use request for the card for which a suspension state or limit limit is set in advance by the card company server from the user device. An audit unit configured to receive and, based on the card usage regulation information, determine whether the card usage request satisfies the usage regulation; And
When it is determined by the audit unit that the card use request meets the usage regulations, the card company is asked to convert the card registered in the card company server to a usable state by communicating with the card company server using the access information. Including a communication unit configured to request the server,
The audit unit is further configured to determine the valid time of the card use when it is determined that the card use request conforms to the use regulations,
The access information includes an address of a card company web page providing a user interface for changing the usage status of a service target card, subscription information of a card owner for a service provided by the card company server, and the card with respect to the card company server. Contains authentication information for authenticating the owner,
The communication unit,
When it is determined by the auditing unit that the card usage request meets the usage regulations, the card can be used in the usage location by accessing the card company web page in a scraping method using the authentication information and interacting with the user interface. The card is converted into a usable state by requesting the card company server to cancel the use of the card or increase the limit of the card so that the card is in use,
Provide information on whether or not a card is available to the user device, and provide the valid time to the user device when it is determined that the card use request meets the usage regulations,
When the valid time elapses after the card is converted to a usable state, the card is used by communicating with the card company server by accessing the card company web page and interacting with the user interface in a scraping method using the authentication information. The card use advance control system further configured to convert the card registered in the card company server into an unusable state by requesting the card company server to put the card in a stopped state or to reduce the limit of the card.
delete delete delete delete The method of claim 1,
Card usage pre-control system further comprising a management unit configured to receive the usage rule information from the user device of the manager corresponding to the card and store it in the storage unit.
A card use advance control method performed by a card use advance control system configured to communicate and operate with a card company server in order to manage the availability of a card used by a card user, comprising:
Storing the card usage rule information and connection information to the card company server associated with the card in the card use dictionary control system;
The card use pre-control system communicates with the card user's user device to request a card use for the card before the card is used at the place of use, for which a use suspension state or limit limit is set in advance by the card company server. Receiving from the user device;
Determining, by the card use advance control system, whether the card use request conforms to the use rule based on the card use rule information; And
When the card use pre-control system determines that the card use request conforms to the usage regulations, it is requested to convert the card registered in the card company server to a usable state by communicating with the card company server using the access information. Including the step of requesting the card company server,
The access information includes an address of a card company web page providing a user interface for changing the usage status of a service target card, subscription information of a card owner for a service provided by the card company server, and the card with respect to the card company server. Contains authentication information for authenticating the owner,
In the step of converting the card to a usable state, when the card use pre-control system determines that the card use request conforms to the use regulations, the card company web page is accessed by a scraping method using the authentication information, and the card use pre-control system accesses the card company web page by a scraping method using the authentication information. By interacting with the user interface, the card is converted into a usable state by requesting the card company server to cancel the use of the card or increase the limit of the card so that the card can be used at the place of use, ,
When it is determined that the card use request satisfies the use regulation, the card use preliminary control system setting an effective time in which the card can be used;
Providing, by the card use pre-control system, information on whether or not a card is available to the user device, and providing the valid time to the user device when it is determined that the card use request satisfies a usage rule; And
When the valid time elapses after converting the card to a usable state, the card use pre-control system accesses the card company web page in a scraping method using the authentication information and interacts with the user interface, so that the card company server Pre-control method for card use, further comprising the step of converting the card registered in the card company server into an unusable state by requesting the card company server to suspend the use of the card or reduce the limit of the card in communication with the card company. .
delete delete delete delete The method of claim 7,
Prior to the storing step, the card use dictionary control method further comprises the step of receiving, by the card use dictionary control system, the use rule information and the access information from a user device of an administrator corresponding to the card.
A computer program stored in a computer-readable recording medium to execute the card usage pre-control method according to any one of claims 7 and 12 in combination with hardware.

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