KR102254798B1 - Providing system for lost card information - Google Patents

Abstract

The present invention receives first information related to payment of a card from an affiliated store terminal, and when it recognizes that the first information is related to payment of a lost card, the first information, second information related to the affiliated store terminal, and payment cancellation, A server for transmitting a message including third information for requesting input information of a customer related to payment approval or card suspension to a customer terminal; Including, wherein the first information includes payment product information, payment time information, payment amount information, and card information, and the second information includes location information of the affiliated store registering the affiliated store terminal and mutual information of the affiliated store. A system for providing lost card information is disclosed.

Description

Lost card information provision system {PROVIDING SYSTEM FOR LOST CARD INFORMATION}

The present invention relates to a system for providing lost card information.

Recently, cards that are easier to use and carry than cash are used as payment methods. Card types vary depending on the type of payment, such as credit card, cash card, debit card, and transportation card. For example, in general stores and department stores, cards are often used to pay for product purchases. Also, paying bills after adding oil at a gas station or eating at a restaurant, etc., uses a card.

In recent years, cards can also be used for transportation expenses such as taxis, subways, and buses. In addition, on-line electronic commerce and automated teller machines (ATM/CD) are also areas where cards can be used.

As such, card merchants have increased, and the types of payments that can be made with cards have also been diversified.

However, as card merchants increase and the consumption patterns of cardholders become diversified, it is becoming increasingly difficult for cardholders to identify the exact time and location of the loss when losing a card, and actively cope with it.

An object of the present invention is to provide a lost card information providing system capable of guiding the lost card guide information to the cardholder after generating the acquisition information of the lost card at the affiliated store side.

In addition, an object of the present invention is to provide a lost card information providing system capable of providing compensation for acquisition of a lost card to an affiliated store.

On the other hand, the technical problems to be achieved in the present invention are not limited to the technical problems mentioned above, and other technical problems that are not mentioned are clearly to those of ordinary skill in the technical field to which the present invention belongs from the following description. It will be understandable.

The system for providing lost card information according to an embodiment of the present invention receives first information related to payment of a card from an affiliated store terminal, and recognizes that the first information is related to payment of a lost card, the first information and the affiliated store A server for transmitting a message including second information related to the terminal and third information for requesting input information of the customer related to payment cancellation, payment approval, or card suspension to the customer terminal; Including, wherein the first information includes payment product information, payment time information, payment amount information, and card information, and the second information includes location information of the affiliated store registering the affiliated store terminal and mutual information of the affiliated store. .

The server includes: a recognition unit for recognizing that the first information is related to payment of a lost card based on the payment product information of the first information; A message transmission unit for transmitting a message including the first information, the second information, and the third information to a customer terminal upon recognizing that the first information is related to payment of the lost card; A payment cancellation unit for canceling payment at the affiliated store terminal by receiving customer input information related to payment cancellation with respect to the third information; A payment approval unit for receiving input information of a customer related to payment approval for the third information and approving payment at the affiliated store terminal; And a card stopper configured to receive input information of a customer related to card suspension and approve payment at the affiliated store terminal with respect to the third information. It may include.

The affiliated store terminal includes a card payment unit, a code reading unit, a trigger code read by the code reading unit, and a processing unit, and when the information obtained by reading the trigger code from the code reading unit is transmitted to the processing unit, the The processing unit generates a trigger event related to the acquisition of the lost card, and when the trigger event is generated, the processing unit requests a lost payment for transmission of the lost card acquisition information, and thereafter, the payment completion information for the lost payment from the card payment unit When transmitted to the processing unit, the processing unit may include the lost card acquisition information in the payment product information and transmit it to the server.

The server, when receiving input information of a customer related to payment cancellation for the third information, provides compensation information including a compensation type to the customer terminal, and requests input information of the customer related to the compensation information. Compensation provision unit; It may further include.

The reward type may include a gift certificate type for delivering a mobile gift certificate selected based on the customer's input information to the affiliate store; A transfer type of transferring the amount input based on the customer's input information to the affiliated store; And a site promotion type for guiding a sales site on which sales products of the affiliated store are displayed based on the customer's input information. It may include.

According to an embodiment of the present invention, it is possible to guide the lost card guide information to the cardholder after generating the acquisition information of the lost card at the affiliated store side.

According to an embodiment of the present invention, it is possible to provide a compensation for the acquisition of a lost card to the affiliated store.

On the other hand, the effects obtainable in the present invention are not limited to the above-mentioned effects, and other effects not mentioned will be clearly understood by those of ordinary skill in the art from the following description. I will be able to.

1 is a block diagram schematically showing a system for providing lost card information according to an embodiment of the present invention,
Figure 2 is a block diagram schematically showing the configuration of the affiliated store terminal and server of Figure 1,
3 is a flowchart illustrating a method of providing lost card information using a system for providing lost card information according to an embodiment of the present invention.
4 is an exemplary view showing an affiliated store terminal to explain a method of providing lost card information according to an embodiment of the present invention,
5 to 7 are exemplary views showing a screen of a customer terminal to explain a method of providing lost card information according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in more detail with reference to the accompanying drawings. The embodiments of the present invention may be modified in various forms, and the scope of the present invention should not be construed as being limited to the following embodiments. This embodiment is provided to more completely describe the present invention to those with average knowledge in the art. Therefore, the shape of the element in the drawings is exaggerated to emphasize a more clear description.

The configuration of the present invention for clarifying the solution to the problem to be solved by the present invention will be described in detail with reference to the accompanying drawings based on a preferred embodiment of the present invention, but the same in assigning reference numerals to the components of the drawings. For the components, even if they are on different drawings, the same reference numerals are given, and it should be noted in advance that components of other drawings can be cited if necessary when describing the drawings.

1 is a block diagram schematically showing a system for providing lost card information according to an embodiment of the present invention, and FIG. 2 is a block diagram schematically showing the configuration of an affiliated store terminal and server of FIG. 1.

1 and 2, a system for providing lost card information 1000 according to an embodiment of the present invention includes a plurality of affiliated store terminals 10 and 20, a communication network 50, and a plurality of customer terminals 60 and 70. And a server 100.

Each of the affiliated store terminals 10 and 20 accesses the server 100 via a wired telephone subscriber network or an Internet communication network 50 to transmit credit card information and transaction details to request transaction approval.

Meanwhile, the affiliated store terminal 10 includes a card payment unit 11, a code reading unit 12, a trigger code 13 and a processing unit 14.

The card payment unit 11 recognizes the card and proceeds with payment through the recognized card for an ongoing payment situation.

Here, the card payment unit 11 may recognize the card through NFC (Near Field Communication), magnetic, barcode, or QR (Quick Response) code method.

The code reading unit 12 may read product information stored in a barcode or a QR code, and transmit the read product information to the processing unit 14.

The trigger code 13 may be disposed on the surface of the affiliated store terminal 10, and may be configured as a barcode or QR code including card acquisition event information for generating a trigger event related to acquisition of a lost card.

The processing unit 14 receives the read information of the code reading unit 12, generates payment product information, and processes the payment amount of the payment product information to be settled through the card payment unit 11.

In addition, the processing unit 14 may transmit payment product information paid through the card payment unit 11 to the server 100.

Here, when the code reading unit 12 transmits the information obtained by reading the trigger code 13 to the processing unit 14, the processing unit 14 generates a trigger event related to the acquisition of the lost card, and You can request a lost payment.

Here, the lost payment is not a payment for an act in which the product is actually transacted, but is a payment for a virtual transaction for transmitting card loss information to a customer.

Meanwhile, the payment amount for the lost payment may be an amount within the allowable range when the customer registers the card.

For example, it may be about 100 to 50,000 won.

Here, the payment amount is preferably set to 112 won to remind the cardholder of the loss.

On the other hand, it is possible for the lost payment to be approved or canceled at the request of the customer afterwards.

Thereafter, when payment is completed in the card payment unit 11 for the requested lost payment, the payment completion information is transmitted to the processing unit 14, and the processing unit 14 includes the lost card acquisition information in the payment product information and includes the server ( 100).

Each of the customer terminals 60 and 70 is a terminal carried by a customer who owns a card, and is a device capable of receiving at least a text message through the communication network 50.

Each of the customer terminals 60 and 70 may receive a message including card payment-related information, card loss-related information, card stop-related information, etc. provided by the server 100 through the communication network 50.

In addition, each of the customer terminals 60 and 70 may process the customer's input information into data for input information requested by the server 100 and transmit it to the server 100.

Based on the information received from the server 100, each of the customer terminals 60 and 70 may check the lost information of the owned card, and may check the address and the mutual information of the affiliated store that acquired the lost card.

In addition, the card holder may select whether to approve or cancel payment for the lost payment through the customer terminals 60 and 70, and may request a suspension of the confirmed lost card.

In addition, the cardholder may acquire a lost card through the customer terminals 60 and 70 and compensate the affiliated store for guiding the lost information.

The server 100 may transmit and receive information with a plurality of affiliated store terminals 10 and 20 and a plurality of customer terminals 60 and 70 through the communication network 50.

On the other hand, the server 100 receives the first information related to the payment of the card from the affiliated store terminals 10 and 20, and recognizes that the first information is related to the payment of the lost card, the first information, the affiliated store terminal 10, A message including second information related to 20) and third information requesting input information of the customer related to payment cancellation, payment approval, or card suspension may be transmitted to the customer terminals 60 and 70.

Here, the first information may include payment product information, payment time information, payment amount information, and card information, and the second information may include location information of the affiliated store in which the affiliated store terminal 10 is registered and mutual information of the affiliated store.

The server 100 includes a recognition unit 110, a message transmission unit 120, a payment cancellation unit 130, a payment approval unit 140, a card stop unit 150, a compensation providing unit 160, and a memory unit 170. ).

The recognition unit 110 may recognize that the first information is related to the payment of the lost card based on the payment product information of the first information received from the affiliated store terminals 10 and 20.

For example, when a lost payment is made through a trigger event in the card payment unit 11, the lost card acquisition information is included in the payment product information, so the recognition unit 110 stores the lost card acquisition information in the payment product information of the first information. By recognition, it is possible to recognize that the first information is related to the payment of the lost card.

When the recognition unit 110 recognizes that the first information is related to the payment of the lost card, the message transmission unit 120 sends a message including the first information, the second information, and the third information to the customer terminals 60 and 70. Transfer to.

With respect to the third information, the payment cancellation unit 130 may cancel the payment details made at the affiliated store terminals 10 and 20 by receiving information input (selected) for payment cancellation at the customer terminals 60 and 70. .

With respect to the third information, the payment approval unit 140 may receive information input (selected) for payment approval at the customer terminals 60 and 70 to approve the payment details made at the affiliated store terminals 10 and 20. .

With respect to the third information, the card stop unit 150 receives the information input (selected) about the card suspension at the customer terminals 60 and 70, and stops the corresponding card paid at the affiliate store terminals 10 and 20. You can proceed.

Here, the card suspension may be a temporary suspension that can be canceled according to a customer's request thereafter.

Regarding the third information, upon receiving the information input (selected) for payment cancellation from the customer terminals 60 and 70, the compensation providing unit 160 transmits compensation information including the compensation type to the customer terminals 60 and 70. And request the customer's input information related to the compensation information.

Here, the compensation type is based on the gift certificate type that delivers the mobile gift certificate selected based on the customer's input information to the affiliated store, the transfer type that transfers the amount entered based on the customer's input information to the affiliated store, and the customer's input information. It may include a type of site promotion that guides the sales site on which the merchandise sold by the affiliated store is displayed.

Here, when the amount paid in the lost payment is approved by the customer terminals 60 and 70, the corresponding payment amount may be a compensation of the affiliated store.

On the other hand, when the amount paid in the lost payment is canceled at the customer terminals 60 and 70, the server 100 provides a separate compensation type to the customer terminals 60 and 70, Compensation can be provided to the affiliated store.

The memory unit 170 is a member store's address information, the member store's mutual information, the member store's sales site information, other member store information, and the customer who has the customer terminals (60, 70). Information such as personal information and compensation type information may be stored.

Hereinafter, a method of providing lost card information using a system for providing lost card information according to an embodiment of the present invention will be described with reference to FIGS. 3 to 7.

3 is a flowchart illustrating a method of providing lost card information using a system for providing lost card information according to an embodiment of the present invention, and FIG. 4 is a merchant terminal for explaining a method of providing lost card information according to an embodiment of the present invention. 5 to 7 are exemplary diagrams showing a screen of a customer terminal to explain a method of providing lost card information according to an embodiment of the present invention.

First of all, referring to FIG. 1, the method of providing lost card information includes the step of recognizing lost payment information (S10), sending a text message for lost payment (S20), receiving customer selection information (S30), determining card suspension (S40), and payment. It may include an approval determination step (S50), a payment cancellation determination step (S60), and a non-response determination step (S70).

In addition, the method of providing lost card information may include a compensation step (S64).

Referring to FIG. 2, when a member store acquires a lost card, the trigger code 13 is read through a barcode reader (not shown) of the member store terminal 10 to generate a trigger event related to acquisition of the lost card.

Thereafter, the affiliated store terminal 10 requests a lost payment to transmit the lost card acquisition information, and the affiliated store side reads the acquired card through the card payment unit 11 of the affiliated store terminal 10 to perform the lost payment.

Thereafter, the affiliated store terminal 10 transmits the payment product information including the lost card acquisition information to the server 100.

Thereafter, the server 100 receives first information including payment product information, payment time information, payment amount information, and card information, and second information related to the affiliated store terminals 10 and 20, and the recognition unit 110 The lost card acquisition information is recognized from the payment product information of 1 information (S10).

Thereafter, the server 100 transmits a message including the first information, the second information, and the third information to the customer terminals 60 and 70 through the message transmission unit 120 (S30).

Here, referring to FIG. 5, the message 61 transmitted from the server 100 may be provided to the customer terminal 60 in a text form.

The message 61 may include a first message 62 and a second message 63.

The first message 62 may be provided to the customer by expressing the first information in text form, and the second message 63 may be provided to the customer by expressing the second information in text form.

In addition, in order to prevent confusion with the spam message, the second message 63 may include information indicating that the message is a message provided by a card company.

In addition, the second message 63 may also provide a link for confirming detailed information of the second information.

Here, referring to FIG. 6, when a customer selects the link, a site 200 linked to the link is provided, and the site 200 obtains a lost card and a schematic diagram 210 of the affiliated store in which the lost payment was made. And detailed location information 211, detailed address information 220 of affiliated stores, mutual information 230 of affiliated stores, payment time information 240, and payment amount information 250 may be provided.

In addition, the site 200 requests including a payment approval request UI 261 for requesting payment approval from a customer, a payment cancellation request UI 262 for requesting payment cancellation, and a card stop UI 263 for requesting card suspension. A UI 260 may be provided.

Thereafter, the server 100 receives the customer selection information and determines the type of the selection information (S30).

First, the server 100 determines whether the customer's selection information is a card stop (S40).

Here, if the customer's selection information is the card stop, the payment card is stopped (S41).

Here, if the customer's selection information is card suspension, it is possible to confirm whether to approve or cancel payment details for the lost payment before the card is stopped and the card is stopped.

Thereafter, the server 100 determines whether the customer's selection information is payment approval (S50).

Here, if the customer's selection information is payment approval, the payment details related to the lost payment are approved (S51).

Here, when payment for the lost payment is approved, the payment amount may be provided as a compensation for the affiliated store that acquired the lost card.

Thereafter, the server 100 determines whether the customer's selection information is payment cancellation (S60).

Here, if the customer's selection information is payment cancellation, the payment details related to the lost payment are canceled (S61).

Thereafter, referring to FIGS. 6 and 7 together, the server 100 cancels the payment for the lost payment and transmits compensation information to the customer terminal 60 (S62).

In practice, when the customer selects the payment cancellation request UI 262 in the customer terminal 60, the compensation providing site 300 may be provided to the customer.

Here, the compensation providing site 300 may provide a compensation cancellation request UI 310 for requesting compensation cancellation and a compensation type UI 320 for selecting a compensation type.

When the customer selects the compensation cancellation request UI 310 and receives the compensation cancellation information from the server 100, the affiliated store may terminate without compensation.

Here, the reward type UI 320 is a gift certificate selection UI 321 for transferring a mobile gift certificate to the affiliated store, an account transfer UI 322 for transferring the customer input amount to the affiliated store, and a sales site operated by the affiliated store. It may include a site promotion UI (323).

Thereafter, the server 100 receives compensation type information based on the customer's input (selection) information (S63).

Thereafter, the server 100 may perform compensation to the affiliate store based on the compensation type information input by the customer and other information of the affiliate store stored in the memory unit (S64).

Here, the other information of the affiliated store may be account information or contact information of the affiliated store registrant.

For example, when a customer selects the account transfer UI 322 and inputs the desired transfer amount, the server 100 generates a secure payment such as Naver Pay, and the amount entered by the customer is paid from the customer's own card to be paid to the merchant account. Can be transferred to.

Thereafter, the customer may visit the affiliated store and find the lost card through the provided contact information, location information, and mutual information of the affiliated store.

Of course, the customer can receive the lost card from the affiliated store side by using a courier service provided separately from the server 100 without directly visiting the affiliated store.

The detailed description above is illustrative of the present invention. In addition, the above description shows and describes preferred embodiments of the present invention, and the present invention can be used in various other combinations, modifications, and environments. That is, changes or modifications may be made within the scope of the concept of the invention disclosed in the present specification, the scope equivalent to the disclosed contents, and/or the technology or knowledge in the art. The above-described embodiments are to describe the best state for implementing the technical idea of the present invention, and various changes required in the specific application fields and uses of the present invention are also possible. Therefore, the detailed description of the invention is not intended to limit the invention to the disclosed embodiment. In addition, the appended claims should be construed as including other embodiments.

1000: Lost card information providing system
10, 20: affiliated store terminal 50: communication network
60: customer terminal 100: server

Claims (5)

Upon receiving the first information related to the payment of the card from the affiliated store terminal, and recognizing that the first information is related to the payment of the lost card, the first information, the second information related to the affiliated store terminal, and payment cancellation, payment approval or A server for transmitting a message including third information for requesting input information of a customer related to card suspension to a customer terminal; Including,
The first information includes payment product information, payment time information, payment amount information, and card information,
The second information includes location information of the affiliate store in which the affiliate store terminal is registered and mutual information of the affiliate store,
The affiliated store terminal includes a card payment unit, a code reading unit, a trigger code read by the code reading unit, and a processing unit,
When the code reading unit transmits the information obtained by reading the trigger code to the processing unit, the processing unit generates a trigger event related to acquisition of a lost card,
When the trigger event is generated, the processing unit requests a lost payment for delivery of lost card acquisition information,
Thereafter, when the card payment unit transmits the payment completion information for the lost payment to the processing unit, the processing unit includes the lost card acquisition information in the payment product information and transmits it to the server,
The trigger code is disposed on the surface of the affiliated store terminal, and is composed of a barcode or QR code including card acquisition event information,
The lost payment is not a payment for an act in which the product is actually transacted, but a payment for a virtual transaction to deliver the lost card information to the customer, and the payment amount for the lost payment is when the customer registers the card, Lost card information providing system that is within the allowable range.
The method of claim 1,
The server,
A recognition unit for recognizing that the first information is related to payment of a lost card based on the payment product information of the first information;
A message transmission unit for transmitting a message including the first information, the second information, and the third information to a customer terminal upon recognizing that the first information is related to payment of the lost card;
A payment cancellation unit for canceling payment at the affiliated store terminal by receiving customer input information related to payment cancellation with respect to the third information;
A payment approval unit for receiving input information of a customer related to payment approval for the third information and approving payment at the affiliated store terminal; And
A card stopper for receiving input information of a customer related to card suspension and approving payment at the affiliated store terminal for the third information;
Lost card information providing system comprising a.
delete The method of claim 1,
The server,
Regarding the third information, when receiving customer input information related to payment cancellation, a compensation providing unit for providing compensation information including a compensation type to the customer terminal and requesting customer input information related to the compensation information; Lost card information providing system further comprising a.
The method of claim 4,
The above compensation type is
A gift certificate type for delivering a mobile gift certificate selected based on the customer's input information to the affiliated store;
A transfer type of transferring the amount input based on the customer's input information to the affiliated store; And
A site promotion type for guiding a sales site on which sales products of the affiliated store are displayed based on the customer's input information; Lost card information providing system comprising a.

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