KR102289829B1 - Method and apparatus for providing card information protection service and supplementart service - Google Patents

Abstract

A method and apparatus for protecting card information and providing additional services are provided. The method is a method in which a service providing server operated by at least one processor provides a service associated with card information, the method comprising: receiving a request for blocking identification using card information for at least one card from a customer terminal; Transmitting an identity verification blocking request to at least one card company server corresponding to at least one card, receiving an identity verification blocking history for the card for which identification is requested from the at least one card company server, and blocking the identification verification and notifying the customer terminal that an identity confirmation request occurs in the card for which identity confirmation blocking is requested, based on the history, wherein the at least one card company server requests identity confirmation based on the card for which identity confirmation blocking is requested. When this occurs, the identity verification request is rejected.

Description

Method and device for protecting card information and providing additional services

The present invention relates to a method and apparatus for protecting card information and providing additional services.

With the revision of the Act on Promotion of Information and Communications Network Utilization and Information Protection and the Personal Information Protection Act, the use of resident registration numbers online was completely prohibited. Therefore, online and offline self-authentication, which was previously performed with a resident registration number, was stopped under normal circumstances, and a 'personal identification service' was provided to verify the identity without using the resident registration number.

'Identity Verification Service' means a business that meets certain requirements by the Korea Communications Commission as an 'identity verification institution', and the designated institutions check whether the counterparty is the person in online/offline membership registration, commerce, financial transaction, etc. service is said to be given.

Currently, three types of 'identity verification services' are provided in Korea, which are 'i/PIN identification verification', 'mobile phone identification verification', and 'card identification verification'. Among them, 'card identity verification' has been in service since 2018.

As an authentication method of 'card identity verification', one method is to enter the card number and mobile phone number (information registered with the card company when issuing the card) issued in your name, and then enter the two-digit card password into the ARS (Automatic Response System). way to do it Another method is to run your own APP card and enter the password of the APP card set in advance. At this time, the card information must be registered in the APP card in advance. This authentication method of 'card identity verification' can be used with both debit and credit cards, and is provided by domestic card companies.

Currently, various additional services using card information are provided in Korea. Not only card companies, but also non-card companies, collect information directly from customers, or through payment details on smartphones, etc.

However, in most cases, such information is merely a simple inquiry or analysis based on payment details.

Credit/debit cards (hereinafter referred to as 'cards') have become the most used payment methods from an individual's point of view and have played a major role in moving toward a cashless society. It is estimated that about 200 million cards are currently issued in Korea, thanks to the government's year-end tax settlement benefits and various point/discount and reward systems from card companies. This means that each economically active population in Korea has 4-5 or more cards.

Cards have gone beyond being used as a means of payment in offline stores, and now their main use has changed online. The use of the card is infinitely expanded to be used in various infrastructures of society, and for example, it is used in identity verification, public transportation, toll gates on toll roads, communication, and automatic debit. And its use is expected to continue to expand in the future.

In addition, as the spread of smartphones has recently expanded, cards are being used in mobile as well. As many simple payment providers provide payment services linked to cards, cards are connected to mobile and services that can be used even if they no longer have a card are expanding. is becoming

As such, as the use of cards is gradually expanded, the risk of exposure of cards to various accidents has also increased in proportion, and personal card information has been a target of hackers or criminals.

Recently, as the card has been extended to the means of identification, the risk of identity theft also arises in other transactions using the card.

From the customer's point of view, when using a card as a means of identification, unlike other identification methods (i-Pin, mobile phone), the original purpose of possession is relative in that it is a means of personal money payment (both monetary and authentication methods). Therefore, there is a sensitive part in use compared to other means.

People sensitive to these issues are concerned that their payment method information (for example, card number or password) may not be exposed, and may be anxious that it will lead to financial damage in case of an accident or identity theft. .

Of course, domestic systems have established damage relief procedures for accidents and most of the systems for preventing or protecting various accidents are well equipped. It is necessary to manage it directly so that it is not used against the will, and to inform customers that your card is being maintained without any problems through continuous communication after that.

On the other hand, in general, when recommending a card product or loan product to a customer, it is common to simply have good benefits or to classify them by category and then to provide information and then let the customer decide and select them. However, customers have to spend a lot of time comparing and judging them, and it is not easy to choose a card product or loan product that is optimized for them.

SUMMARY OF THE INVENTION An object of the present invention is to provide a method and an apparatus for protecting card information and providing additional services based on card-related information such as identification details using a card and card usage details.

According to one aspect of the present invention, there is provided a method in which a service providing server operated by at least one processor provides a service related to card information, and a request for blocking identification using card information for at least one card from a customer terminal receiving, transmitting an identity verification blocking request to at least one card company server corresponding to the at least one card; and, based on the identification blocking history, notifying the customer terminal that an identification request occurs in the card for which identification blocking is requested, wherein the at least one card company server includes the card for which identification blocking is requested. If an identity confirmation request is generated based on the , the identity confirmation request is rejected.

Collecting card issuance information based on the unique identification information of the customer terminal before receiving the identity verification blocking request, and providing a list of cards held by the customer based on the card issuance information and, the request for blocking identification may be for at least one card selected by the customer terminal from the card list.

After receiving the identification blocking history, receiving identification history for at least one card included in the card list, and the identification blocking history and the identification history according to the inquiry request of the customer terminal It may further include the step of providing.

After providing the card list, receiving an alarm setting request for payment for at least one card included in the card list, transmitting an alarm setting request for payment to at least one card company server, a card with an alarm set at the time of payment receiving payment details for at least one card company server or selecting payment texts of the card for which an alarm is set at the time of payment from among the payment texts received to the customer terminal, and based on the payment details or the selected payment text, The method may further include the step of notifying the customer terminal of the occurrence of payment.

After providing the card list, receiving a request from the customer terminal to set an identification blocking time for at least one card, transmitting a request for setting an identification blocking time to at least one card company server, blocking identification When an identity verification request occurs at the time, receiving the identification blocking history from at least one card company server, and based on the identification blocking history, the customer terminal is informed that the identification request occurs at the identification blocking time The method may further include the step of notifying, wherein the at least one card company server may reject the identity confirmation request if the identity confirmation request occurs at the identity confirmation blocking time.

After providing the card list, receiving a request for setting a card payment blocking time for at least one card from the customer terminal, transmitting a card payment blocking time setting request to at least one card company server, card payment blocking When a card payment request occurs at the time, receiving a card payment history from the corresponding card company server or selecting a payment text received at the card payment blocking time from among the payment text received from the customer terminal, and the card payment history or Based on the selected payment text, the method may further include the step of notifying the customer terminal that a card payment request occurs at a card payment blocking time.

After the step of notifying, analyzing the customer's card usage pattern based on the identity verification history and card payment details, and providing at least one of a statistical report, card product recommendation, and loan product recommendation based on the card usage pattern may further include.

The card issuance information is based on the unique identification information received from the customer terminal when processing the membership registration in conjunction with the application installed in the customer terminal, or the unique identification information received from the identity verification institution where the customer terminal has verified the identity can be collected as

According to another feature of the present invention, there is provided a device for providing a service related to card information, which is connected to a customer terminal through a communication network, and is connected to at least one card company server and an electronic financial common network through a communication device, in the customer terminal A memory for storing a program for providing a service associated with the card information in conjunction with an executed application, and a processor for executing the program, wherein the program includes card issuance information based on the unique identification information of the customer terminal , collects identification history and card payment details, and processes the collected information to provide a plurality of services calculated through the application, wherein the plurality of services includes a card issuance history inquiry, It includes at least one of an inquiry function including at least one of an identity verification history inquiry, a card payment history inquiry, a statistical report according to a customer's card usage pattern analyzed based on the collected information, a card product recommendation, and a loan product recommendation.

The program generates a card list held by the customer based on the card issuance information and provides it to the application, receives a request for blocking identification of at least one card selected from the card list from the application, and blocking identification It transmits a request to block the identity verification to the card company server of the requested card, and when a request for identification is made based on the card requested to block the identification, it receives the history of blocking the identification from the corresponding card company server, and It may include commands for notifying through at least one of a text message, an email, and a push alarm of the application.

The program receives a reception notification request from the application when paying for at least one card selected from the card list, and transmits a reception notification request at the time of payment to the card company server of the card for which the reception notification is requested at the time of payment. When card payment occurs based on a card, it may include instructions for receiving card payment details from the corresponding card company server, and notifying the card payment details through at least one of a text message, an email, and a push alarm of the application.

The program receives a request for setting an identification blocking time or card payment blocking time for at least one card selected from the card list from the application, and to the card company server of the card in which the identification blocking time or card payment blocking time is set It transmits the setting request, receives the identification blocking history that occurred during the identification blocking time or the card payment history that occurred during the card payment blocking time from the card company server, and sends the identification blocking history or the card payment history through text, email and It may include instructions for notifying through at least one of the push alarm of the application.

The program may include commands to analyze the customer's card usage pattern based on the customer's card payment details and identification details, and to configure and provide the analysis result in the form of a report.

The program analyzes a consumption pattern based on the customer's card payment details and identification details, determines at least one recommended card related to the customer's preference based on the consumption pattern, and collects the customer's information from the credit information management server. Analyze whether the issuance of the at least one recommendation card is possible based on credit information, and whether the limit change and credit rating change according to the issuance, and include the at least one recommendation card, whether or not issuance of each card, limit change and credit rating change It may include instructions for providing card recommendation information.

The program analyzes the loan conditions for a plurality of loan products based on the customer's card payment details, identification details, and income information, determines loanable products, loan limits and loan interest rates according to the analysis, and stores the determined information It may include commands to generate and provide loan recommendation information based on the loan recommendation information.

The program may include instructions for storing the customer's personal information and automatically inputting the stored personal information into an input field of the other service application or the web browser when there is a call from another service application or web browser. .

According to an embodiment of the present invention, the customer can directly inquire, receive notification, and directly manage the customer's card payment details, identification using the card, identification blocking history, and suspected illegal use of the customer periodically.

In addition, it is possible to recommend more advantageous financial products to customers rather than high interest rate products by estimating income based on the customer's main interests and consumption patterns through the customer's identity verification history, card payment/use history, etc.

1 is a block diagram of a system for protecting card information and providing additional services according to an embodiment of the present invention.
2 is a flowchart illustrating a process of collecting customer card-related information according to an embodiment of the present invention.
3 is a flowchart illustrating a membership registration process according to an embodiment of the present invention.
4 is an exemplary diagram of a service screen according to an embodiment of the present invention.
5 is a flowchart illustrating a method of providing a secure card identity verification service according to an embodiment of the present invention.
6 is an exemplary view of a service screen for providing a secure card identity verification service according to an embodiment of the present invention.
7 is a flowchart illustrating a method of providing a card payment management service according to an embodiment of the present invention.
8 is a flowchart illustrating a method of providing a card payment management service according to another embodiment of the present invention.
9 is an exemplary view of a service screen for providing a card payment management service in an embodiment of the present invention.
10 is a flowchart illustrating a process of providing an integrated report according to an embodiment of the present invention.
11 is a flowchart illustrating a process of providing customized card recommendation information according to an embodiment of the present invention.
12 is a flowchart illustrating a process of providing customized loan recommendation information according to an embodiment of the present invention.
13 is a flowchart illustrating a pre-fill service process according to an embodiment of the present invention.
14 is a flowchart illustrating a household account book service process according to an embodiment of the present invention.
15 is a block diagram illustrating a hardware configuration of a server device to which an embodiment of the present invention can be applied.
16 is a block diagram illustrating a hardware configuration of a terminal to which an embodiment of the present invention can be applied.

Hereinafter, with reference to the accompanying drawings, embodiments of the present invention will be described in detail so that those of ordinary skill in the art to which the present invention pertains can easily implement them. However, the present invention may be embodied in various different forms and is not limited to the embodiments described herein. And in order to clearly explain the present invention in the drawings, parts irrelevant to the description are omitted, and similar reference numerals are attached to similar parts throughout the specification.

Throughout the specification, when a part "includes" a certain element, it means that other elements may be further included, rather than excluding other elements, unless otherwise stated.

In addition, terms such as “…unit”, “…group”, and “…module” described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. can

As used herein, "transmission or provision" may include not only direct transmission or provision, but also transmission or provision indirectly through another device or using a detour path.

In the present specification, expressions described in the singular may be construed in the singular or plural unless an explicit expression such as “a” or “single” is used.

In this specification, the same reference numbers refer to the same components regardless of the drawings, and "and/or" includes each and every combination of one or more of the referenced components.

In this specification, a card collectively refers to a credit card, a check card, a debit card, etc. that can be used for identification and payment, and excludes cards that cannot be used for identification, such as a prepaid card.

With reference to the drawings, a method and apparatus for protecting card information and providing additional services according to an embodiment of the present invention will be described.

1 is a block diagram of a system for protecting card information and providing additional services according to an embodiment of the present invention.

Referring to FIG. 1 , a system for protecting card information and providing additional services includes a service providing server 100 , an integrated database 101 , a credit information management server 200 , and an Electronic Financial Cooperation Network 300 . ), a plurality of card company servers 400 , a communication network 500 , a customer terminal 600 , a message server 700 , and an email server 800 . The service providing server 100 is a credit information management server 200 . Based on the customer's credit information collected through the process, the information required by the customer is provided to the customer terminal 600 . Here, the information required by the customer is provided in the form of a service through a dedicated application installed in the customer terminal 600 (hereinafter referred to as a 'dedicated app').

That is, the service providing server 100 does not collect customer information from the customer terminal 600 every day, but based on the credit information provided by the credit information management server 200 and customer information stored in the integrated database 101, provide services.

Here, the services include a secure card identity verification service, a card payment management service, an integrated card report, a customized recommendation service, a pre-fill service, and a household account book service. In this case, the security card identity verification service and card payment management service are classified as card information protection services, and integrated card report, customized recommendation service, prefill service, and account book service are classified as additional services.

The integrated database 101 stores customer information necessary to provide the above service, and the stored information may be provided from the credit information management server 200 . Also, the stored information may be information collected by the service providing server 100 from a plurality of card company servers 400 .

The credit information management server 200 collects and manages customer credit information. The credit information management server 200 may collect and manage the customer's financial transaction information and non-financial information registered by the customer in conjunction with a plurality of financial institutions. The financial transaction information may include card issuance information, overdue information, and the like. Non-financial information is information registered by the customer or consented to by the customer, and may include income amount, tax payment history, health insurance payment history, national pension payment history, communication fee payment history, utility bill payment history, etc. Here, the financial institution collectively refers to an institution handling financial business, such as a bank or a credit card company.

Also, the credit information management server 200 may periodically collect card usage information for configuring the customer's credit information from the plurality of card company servers 400 . For example, it includes card payment details, overdue information, and the like. Here, the overdue information may be collected at the time of overdue.

The service providing server 100 is connected to the credit information management server 200 . The credit information management server 200 is connected to a plurality of card company servers 400 through the electronic financial common network 300 . The electronic financial network 300 refers to a financial network that provides a common service by connecting the computer networks of each financial institution to each other. The plurality of card company servers 400 are servers of financial institutions that handle cards. Banks, credit card companies, etc. are included, but are collectively referred to as credit card companies. The plurality of card company servers 400 are in charge of card-related tasks such as card issuance, card payment, and card use history management by customers, but the operation is not limited thereto.

When the service providing server 100 determines that it is necessary to collect card-related information, the service providing server 100 may directly request and receive information from the plurality of card company servers 400 .

The service providing server 100 is connected to the customer terminal 600 , the message server 700 , and the email server 800 through the communication network 500 . The communication network 500 may include a wired communication network, a mobile communication network, a wireless network, and a combination thereof. For example, the wired communication network includes an IP (Internet Protocol) based wired network. The mobile communication network includes a 5G network, a long term evolution (LTE) network, a wideband code division multiple access (WCDMA) network, and the like. The wireless network includes various types of wireless networks such as Wi-Fi networks. However, the communication network 500 is not limited to a specific technology, since it may include all the networks developed in the future as well as the already established networks as described above.

The customer terminal 600 is a device that can connect to the communication network 500 , and includes an input device, a display device, and the like. The customer terminal 600 may include any one of a wired terminal including a PC and the like and a wireless terminal including a smart phone.

The customer terminal 600 may access a web site provided by the service providing server 100 by driving a web browser.

The customer terminal 600 may download, install, and execute a dedicated app from an app store or the like. In this case, the dedicated app is a dedicated application for providing card information protection and additional services of the present invention, and operates to implement the service provided by the service providing server 100 .

The message server 600 provides a message service of a mobile communication service provider such as Short Message Service (SMS). The message server 600 transmits a message according to the request of the service providing server 100 to the customer terminal 600 .

The email server 700 is a server holding a customer's email account. The email server 700 transmits an email according to the request of the service providing server 100 to the email account of the customer terminal 600 .

The service providing server 100 collects card-related information from the credit information management server 200 based on the customer's unique identification information. Uniquely identifiable information is information about an individual and means information that can identify an individual by the information. Unique identification information that can be handled online includes resident registration number or member connection information (hereinafter referred to as 'CI'). CI is unique identification information given by an identity verification organization for service linkage. Here, the identity verification institution refers to a person who provides a method of verifying a user without using the user's resident registration number and has been designated as an identity verification institution by the Korea Communications Commission pursuant to Article 23 (1) of the Act.

As the unique identification information, a resident registration number or CI is used, but other identification values that can identify a customer may also be used, so it is not limited to a resident registration number or CI.

The service providing server 100 collects CI from a resident registration number received from the customer terminal 600 or an identity verification institution (not shown) where the customer terminal 600 has performed identity verification authentication, and based on this, a credit information management server ( 200) to collect card-related information. Such card-related information is stored in the integrated database 101 .

A series of processes in which the service providing server 100 collects card-related information will be described with reference to FIG. 2 .

2 is a flowchart illustrating a process of collecting customer card-related information according to an embodiment of the present invention.

Referring to FIG. 2 , the credit information management server 200 periodically or aperiodically collects and holds card issuance information, card payment details, overdue information, etc. from a plurality of card company servers 400 ( S101 , S103 ). .

On the other hand, the service providing server 100 performs membership registration according to the request of the customer terminal (600) (S105). At this time, the customer terminal 600 authenticates the user for membership registration (S107). The service providing server 100 may acquire CI or collect a resident registration number from the customer terminal 600 if the identity authentication is successful (S109).

The service providing server 100 collects card-related information by requesting an inquiry from the credit information management server 200 based on CI or resident registration number, that is, unique identification information (S111, S113). Card-related information may include card issuance information, card payment details, overdue information, and the like.

The service providing server 100 transmits the card-related information collected (S113) to the integrated database 101, matches it with the unique identification information, and stores it (S117).

In addition, if it is determined that the service providing server 100 requires information collection (S119), it connects to a plurality of card company servers 400 and collects card-related information based on the customer's unique identification information (S121, S123) or Alternatively, customer information may be collected by requesting the customer terminal 600 (S125).

The service providing server 100 transmits the collected information (S121, S123, S125) to the integrated database 101 and stores it by matching with the unique identification information (S129).

It collects, stores and manages customer card-related information from a plurality of card company servers 300 . Such card-related information is stored in the integrated database 101 .

The service providing server 100 may collect card issuance information and identification details based on unique identification information as shown in Table 1 below and store it in the integrated database 101 . Here, the identification details are identification details using the card.

division Kinds unique identification information Card Issuance Information Identification history

The membership registration procedure of step S105 may be performed as shown in FIG. 3 .

3 is a flowchart illustrating a membership registration process according to an embodiment of the present invention.

Referring to FIG. 3 , the service providing server 100 requests and receives basic information and login information necessary for membership registration by accessing the customer terminal 600 ( S201 ) ( S203 ).

Personal information includes mobile phone numbers, email addresses, residential addresses, and the like. The login information is information required for login, and may include at least one of ID and password, simple login password, and biometric information login information.

The service providing server 100 receives the consent information by requesting the customer terminal 600 to consent to the collection of personal information and related matters (S205). The customer terminal 600 performs identity verification authentication according to the request of the service providing server 100 . Here, the identity verification authentication is performed in one way according to the customer's selection among i-PIN identity confirmation, mobile phone identity confirmation, and card identity confirmation.

When the identity verification authentication is completed, the service providing server 100 acquires the customer's CI from the identity verification institution (not shown) (S207). In addition, the service providing server 100 may request and receive a resident registration number as the customer's unique identification information at the time of identity verification authentication or before (S207).

The service providing server 100 registers basic information and login information as member information by using unique identification information such as CI or resident registration number as a database key (S209).

The service providing server 100 collects card-related information and credit information provided from the credit information management server 800 and processes it to provide card information protection and additional services.

The service providing server 100 may provide a notification service according to card information protection and additional services to the customer terminal 600 by interworking with the message server 700 and the email server 800 . That is, the notification service may include SMS notification and email notification. In addition, it may be provided in the form of a push alarm on the service app installed in the customer terminal (600).

As described above, the card information protection service includes a secure card identity verification service and a card payment management service. In addition, the additional services include integrated card report, customized recommendation service, pre-fill service, and household account book service.

The safety card identity verification service is a service to prevent theft of identity due to theft, loss, or leakage of the customer's card.

The card payment management service collects the customer's actual card usage history with the customer's consent, analyzes the customer's consumption pattern based on this, and provides an emergency alarm for payments that may occur without the customer's knowledge.

The integrated card report provides the customer in the form of a report by comprehensively analyzing all activities using the card, such as the customer's card payment details and identification details. Although there is some analysis of consumption patterns through card payment details on credit card company websites, an analysis form based on identification details has not yet been proposed.

The service providing server 100 synthesizes the details of the identity verification site visited by the customer during a specific period, the details of the payment by the customer, and the like through the integrated card report, and provides the report in the form of a report. The service providing server 100 may provide a report in various types such as graphics, tables, animations, and the like.

The service providing server 100 provides daily/monthly card-specific identification attempts and results, card identification details for 1 month, card identification attempts major industry analysis, previous month comparison, daily/monthly card payment history, card for 1 month Payment details for each month, comparison with the previous month, analysis of major types of payment use, overdue history and trends for the current month, card issuance attempts and inquiries for the current month, card issuance history for the current month, card information with expiration date, card limit inquiry, credit rating due to delinquency or card issuance Change prediction, billing address registered with the credit card company, and contact information inquiry can be provided as an integrated card report.

Through this integrated card report, the customer can inquire the activity history using his/her card for each specific period and check the authentication/payment history that he/she was not aware of. In addition to this, it is possible to manage delinquency management using a card, credit management, and whether or not the billing address is correct. In addition, through this information, it is possible to develop a wiser consumption habit, or to minimize the possibility of exposure to risks such as excessive limits and delinquency that may occur due to the person not being aware of it.

Based on the customer's consumption pattern and creditworthiness information, the customized recommendation service may provide information such as an optimized card recommendation to the customer, whether the card can be issued, the change in the total limit after issuance, and the effect on the creditworthiness. In addition, the customer-customized recommendation service may provide loanable products and loan limit/interest rate based on the customer's payment history, income information, and credit information.

The service providing server 100 may recommend a customized card that can give the best benefit to the customer by analyzing the consumption pattern based on the customer's payment history. Furthermore, based on credit information, it is possible to inform whether a credit card is available for issuance, how the total limit will change after issuance, and whether or not credit quality is affected. Accordingly, problems such as being issued a card without any countermeasures or impulsively issued a card by being deceived by marketing can be significantly reduced.

The pre-fill service is a service that stores customer personal information in a dedicated app in advance, and retrieves personal information from the dedicated app when registering as a member of another site and enters it instead.

The dedicated app can store the personal information entered when signing up for the service. Alternatively, the dedicated app may collect personal information stored in the integrated database 101, but in this case, the collectable information may be limited to some personal information agreed by the customer.

In addition, it is premised on the ability to obtain prefill information from a dedicated app on other sites. For example, a button to call personal information in the dedicated app should be provided on other sites or third-party apps.

According to one embodiment, the prefill service may use a method of directly calling information through the connection between the app and the app and the app and the web browser.

According to another embodiment, the prefill service may use a method in which the service providing server 100 automatically inputs information that requires input in the service provided by the service providing server 100 .

Users can conveniently use the site by accessing the site to which the prefill function is applied and calling the information stored in the dedicated app when registering as a member.

The account book service automatically creates an account book based on the customer's card payment details.

The above-described services are provided as service menus, as shown in FIG. 4 .

4 is an exemplary diagram of a service screen according to an embodiment of the present invention.

Referring to FIG. 4 , a service screen provided by a customer logging in includes a plurality of menus, and when a desired menu is selected, the service can be used.

The plurality of menus may include secure card identity verification, card payment management, integrated card report, customized recommendation (card product/loan product), pre-fill, household account book, and the like.

The operation of each menu is described as follows.

First, the operation when the security card identification is selected from the service menu will be described as shown in FIG. 5 .

5 is a flowchart illustrating a method of providing a secure card identity verification service according to an embodiment of the present invention, and FIG. 6 is an exemplary view of a service screen for providing a secure card identity verification service according to an embodiment of the present invention.

Referring to FIG. 5 , the service providing server 100 generates a customer card list based on the card issuance information collected from the credit information management server 200 based on the customer's unique identification information (S301).

The service providing server 100 outputs a service screen including a list of holding cards and a setting item for each card (S303).

The service providing server 100 receives identification blocking selection information for each card or collectively from the customer terminal 600, and sets identification blocking based on this information (S305). In this case, the default is to allow identification, and the customer may select whether to allow identification. In addition, identification is allowed, but you can set the time during which identification can be confirmed.

Referring to FIG. 6 , the service providing server 100 may provide the identification blocking setting screen 10 when the safe card identification menu is selected.

The identification blocking setting screen 10 includes a holding card list 11 , an identification blocking item 13 , and an identification blocking time setting item 15 . The holding card list 11 lists card information issued by the customer for each card company, and the card information may include a card number, card name, expiration date, and the like. The identification blocking item 13 is set for each card or selected in bulk. The identification blocking time setting 15 may allow the customer to directly block a specific time, or the service providing server 100 may provide a selection time divided for each specific time zone. For example, it is possible to select from work hours set to 9:00 to 6:00, sleep time set to 10:00 to 6:00, and the like.

The service providing server 100 generates an identity confirmation blocking request message including card information and/or time information for which identity confirmation blocking is set for each card company (S307).

The service providing server 100 transmits the identification blocking request message to the corresponding card company server 300 (S309, S311).

The card company server 300 that has received the identification blocking request message determines whether the identification blocking request is set to the card when the identification verification request using the card is received (S313) (S315).

If it is a card for which identification blocking is not set, it is determined whether the time for blocking identification is set (S317).

The card company server 300 blocks the received (S313) request for identification (S319) if it is a card for which identification blocking is set in step S315 or corresponds to a time set for blocking identification in step S317 (S319). And transmits the identification request blocking history to the service providing server 100 (S321).

The service providing server 100 immediately informs the customer of the identity verification blocking history by SMS, e-mail, app push, etc. (S323).

On the other hand, the service providing server 100 performs identity verification authentication using a card when no identification blocking is set in step S317 and no identification blocking time is set or it is not the identification blocking time (S325). And transmits the identity verification authentication history to the service providing server 100 (S327).

The service providing server 100 provides the identity verification authentication history through the service menu (S329). The service providing server 100 provides the identity verification history inquiry function through the menu, and enables inquiry of the identity confirmation history collected from the card company server 300 .

As such, the service providing server 100 generates a card list owned by the customer based on the card issuance information for each of the plurality of card companies and provides the list through the service menu. Accordingly, the customer does not need to separately register what card he/she has in order to use the service of the present invention. In addition to this, it is also possible to check whether there are cards issued without the customer himself/herself, and whether there are any cards that have been issued but not used for a long time.

In addition, the service providing server 100 allows the customer to select whether to allow the use of identity verification from the list of cards held by the customer. That is, the customer can block identification using the card for each card or collectively. There are no restrictions on the card selected for being allowed to be used for identification, and cards that are not allowed cannot be used for identification unless the customer directly changes it to permission.

In addition, the service providing server 100 may set an identity verification time period according to the customer's selection as an additional option. Accordingly, the customer may set the identification to be impossible at a specific time such as sleep time or work time. Then, in the event of an accident or problem, it is possible to solve a problem that was physically impossible for the person to respond quickly.

In addition, the service providing server 100 collects the identity verification history from the card company server 300 in real time. In addition, the phone number and/or e-mail registered at the time of membership registration are notified of the occurrence of identity verification. Therefore, if there is no fact that the customer has performed identity verification, it is possible to prevent an accident by responding immediately and minimize additional damage.

In addition, the service providing server 100 provides a function that allows the customer to inquire about the identification details collected in real time for each card. Accordingly, the customer can check the identity verification history that has not been used by the customer at any time. At this time, if it is determined that there is an authentication history that the person is not aware of or that there is a possibility of an accident occurring, the user can access the accident response menu and take measures such as immediately calling the customer center of the card company.

An operation when the card payment management menu is selected from the service menu of FIG. 4 will be described as follows.

7 is a flowchart illustrating a method of providing a card payment management service according to an embodiment of the present invention, FIG. 8 is a flowchart illustrating a method of providing a card payment management service according to another embodiment of the present invention, and FIG. is an exemplary view of a service screen for providing a card payment management service in an embodiment of the present invention.

Referring to FIG. 7 , the service providing server 100 generates a holding card list based on the card issuance information collected from the credit information management server 200 based on the unique identification information (S401).

The service providing server 100 outputs a service screen including a list of holding cards and a setting item for each card (S403).

The service providing server 100 receives alarm permission information upon payment by card or collectively from the customer terminal 600, and sets an alarm notification upon payment based on this information (S405). In this case, the default is not receiving an alarm at the time of payment, and the customer can select whether to alarm. Here, the alarm is separate from receiving a payment message after paying a certain amount (eg, 300 won) from a credit card company.

In addition, a payment blocking time can be set separately from the alarm at the time of payment. That is, whether an alarm is set at the time of payment or not, the payment blocking time can be set.

The service providing server 100 generates an alarm request message at the time of payment including card information for which an alarm is allowed and/or payment blocking time information for each card company for each card company (S407).

The service providing server 100 transmits an alarm request message to the corresponding card company server 400 during payment (S409, S411).

The card company server 400 that has received the alarm request message at the time of payment determines whether the card has an alarm request at the time of payment when the payment details occur (S413) (S415).

If it is not a card for which an alarm has been requested during payment, it is determined whether the payment is blocked time (S417).

The card company server 400 transmits payment details to the service providing server 100 when an alarm is requested for a card or a payment blocking time is set during payment (S419).

The service providing server 100 immediately informs the customer of the payment details by SMS, e-mail, app push, etc. (S421).

The service providing server 100 provides a payment history inquiry through the service menu (S423).

In this case, it is not possible to determine whether to block payment in the present invention. The use of the card is the responsibility of the card company. However, the user can set the card usage notification and payment blocking time at once without accessing the card company website every day.

In addition, although it has been described that the payment details are received from the card company server 300 , there are cases where the payment details are received as text messages to the customer terminal 500 . An embodiment for this will be described as shown in FIG. 8 .

8 is a flowchart illustrating a method of providing a card payment management service according to another embodiment of the present invention.

In this case, FIG. 8 is applied to an embodiment in which the service of the present invention is implemented through a service app installed in the customer terminal 600 .

Referring to FIG. 8 , the service providing server 100 generates a card holding list based on the card issuance information collected from the credit information management server 200 ( S501 ), and includes a card holding list and card-specific setting items. A service screen is generated (S503) and output to the service app of the customer terminal 600 (S505).

The customer terminal 600 selects whether or not to allow an alarm upon payment for each card or collectively (S507), and transmits the selection information to the service providing server 100 (S509).

The service providing server 100 sets alarm permission for each card company or collectively during payment according to the selection information received in step S509 (S511).

Thereafter, the service app of the customer terminal 600 monitors whether a payment notification text is received, and when the payment notification text is received (S513), it transmits the payment notification text to the service providing server 100 (S515).

According to one embodiment, the dedicated app of the present invention scans the SMS text received by the message application (eg, the SMS app) of the customer terminal 600 and, if it is determined as the customer's payment text, sends a payment notification text to the service providing server ( 100) can be transmitted.

The customer's payment text may be stored in the integrated database 101 after being transferred from the dedicated app to the service providing server 100 if the customer's consent is obtained.

The service providing server 100 recognizes the text of the payment alarm text, and determines whether the card has an alarm set at the time of payment based on this (S517). If it is not a card with an alarm set at the time of payment, it is determined whether the payment blocking is set time (S519).

The service providing server 100 immediately notifies the customer of the payment details by SMS, e-mail, app push, or the like, when an alarm is set for a card at the time of payment or when a payment block is set (S521). The service providing server 100 provides a payment history inquiry through the service menu ( S523 ). The service screen of step S403 of FIG. 7 or step S503 of FIG. 8 may be implemented as shown in FIG. 9 .

9 is an exemplary view of a service app screen for providing a card payment management service in an embodiment of the present invention.

Referring to FIG. 9 , the service providing server 100 may provide the card payment management screen 20 when the card payment management menu of FIG. 4 is selected.

The card payment management screen 20 includes a holding card list 21 , a payment alarm reception item 203 , and a payment blocking time setting item 25 . In the holding card list 21, card information issued by a customer is listed for each card company, and the card information may include a card number, card name, expiration date, and the like. The payment alarm reception item 203 is set for each card or to be collectively selected. When this item 203 is selected, when a corresponding card payment occurs, card payment details are transmitted from the card company server 300 to the service providing server 100 .

The payment blocking time setting item 25 is an item for setting a payment blocking time for the corresponding card, regardless of whether payment alarm reception is permitted or not. The customer may directly block a specific time, or the service providing server 100 may provide a selected time divided for each specific time zone. For example, it is possible to select from work hours set to 9:00 to 6:00, sleep time set to 10:00 to 6:00, and the like.

As described above, according to the card payment management service of the present invention, the customer can select whether to receive a payment alarm from among the cards he owns. In the present invention, the card set for payment alarm reception is highly likely to be a card issued by the person but not actually used. When payment occurs with this card, the service app 501 provides an alarm with a type of alarm sound and vibration that can recognize the urgency to the customer. Therefore, the customer can quickly recognize the payment incident and can take an agile response.

In addition, by setting the payment blocking time as an additional option, it is possible to solve the problem in which it is physically impossible for the person to respond quickly in the event of an accident or problem by setting the payment to be impossible during the customer's sleeping time or business hours.

In addition, through the payment history inquiry function, you can inquire your payment history in the form of a report for each card company at any time. After checking the history, the customer can minimize the damage that the customer may incur by guiding them to take action if there is no payment or if there are any suspected accidents.

Now, an additional service according to an embodiment of the present invention will be described for each embodiment.

10 is a flowchart illustrating a process of providing an integrated report according to an embodiment of the present invention.

Referring to FIG. 10 , the service providing server 100 collects card payment details from the credit information management server 200 based on the customer's unique identification information on a monthly basis and collects identification details from the integrated database 101 . (S601).

The service providing server 100 analyzes the customer's card usage pattern based on the collected identification details and card payment details (S603). Here, the card usage pattern may be derived from a site access history, payment history, etc. where identification occurred during a specific period of visit. The service providing server 100 configures the analysis result in the form of a report and provides it as an inquiry service menu (S605).

11 is a flowchart illustrating a process of providing customized card recommendation information according to an embodiment of the present invention.

Referring to FIG. 11 , the service providing server 100 collects card payment details from the credit information management server 200 based on the customer's unique identification information on a monthly basis and collects the identity verification details from the integrated database 101 . (S701).

The service providing server 100 analyzes the customer's consumption pattern based on the identification details and card payment details (S703). At least one card expected to be preferred by the customer is determined based on the analyzed consumption pattern (S705).

According to one embodiment, the service providing server 100 extracts data such as identification information of the card used for payment, card approval date, card approval time, payment amount, merchant name, etc. included in the card payment details, and provides consumption pattern information. can create The consumption pattern information may include metadata about at least one of card performance information, card use date, card use time, preferred type of merchant type, and card use frequency for each merchant type.

In addition, the service providing server 100 may check the customer's main card based on the identification details, check the type of the main card, benefits, etc., and extract preferred card information by linking it with the card payment details.

Based on the customer's credit information collected from the credit information management server 200, the service providing server 100 determines whether the card determined in step S705 can be issued. and the like are analyzed (S707).

The service providing server 100 matches and provides not only the recommended card information, but also the analysis results regarding the availability of issuance for each recommended card, the limit, and the change in credit rating (S709). This is different from simply recommending a preference card in the prior art.

12 is a flowchart illustrating a process of providing customized loan recommendation information according to an embodiment of the present invention.

Referring to FIG. 12 , the service providing server 100 collects card payment details and credit information from the credit information management server 200 based on the customer's unique identification information on a monthly basis, and income information from the customer terminal 600 . can be collected (S801).

The service providing server 100 analyzes the loan conditions of each loan product for each of the plurality of loan products based on the collected information, and determines the customer's loanable product, loan limit, and interest rate limit (S803).

The service providing server 100 provides customized loan recommendation information composed of loanable products, loan limit, and interest rate limit determined in step S803 (S805). Since this is not simply a customer's preferred loan product recommendation, but information calculated based on the customer's credit rating information, it is expected that the accuracy will be high. In addition, in the prior art, it is possible to simply provide only a loan product or to inquire the loan limit only for a mortgage loan, but it is impossible to know the exact information because the customer's credit rating information is actually required. However, in the embodiment of the present invention, it is differentiated from the prior art in that it is possible to inquire whether a specific loan is possible and the loan limit based on the credit rating of the customer.

13 is a flowchart illustrating a pre-fill service process according to an embodiment of the present invention.

Referring to FIG. 13 , the service app installed in the customer terminal 600 provides the personal information input at the time of membership registration to the service providing server 100 , but also stores it in the app storage area (S901).

Thereafter, when personal information access is requested from another app (S903), the personal information stored in the app storage area is provided so that it can be automatically entered into the membership registration input window (S905).

14 is a flowchart illustrating a household account book service process according to an embodiment of the present invention.

Referring to FIG. 14 , the service providing server 100 collects card payment details from the credit information management server 200 based on the customer's unique identification information on a monthly basis ( S1001 ). Then, a household account book is created based on the card payment details and provided as a service screen (S1003).

Meanwhile, FIG. 15 is a block diagram illustrating a hardware configuration of a server device to which an embodiment of the present invention can be applied, and shows an embodiment configuration of the service providing server 100 described with reference to FIGS. 1 to 14 .

Referring to FIG. 15 , the server device 900 includes a communication device 901 , a memory 903 , a storage device 905 , and at least one processor 907 . The communication device 901 is connected to the processor 907 to transmit and/or receive data through the electronic financial common network 300 and the communication network 500 . The memory 903 is connected to the processor 907 and stores a program including instructions for executing the configuration and/or method according to the embodiments described with reference to FIGS. 1 to 14 . The processor 907 executes the program stored in the memory 903 . The program includes instructions for implementing the operating method of the present invention described with reference to FIGS. 1 to 14 , and the processor 907 executes the present invention in combination with hardware such as a memory 903 .

16 is a block diagram illustrating a hardware configuration of a terminal to which an embodiment of the present invention can be applied, and shows an embodiment configuration of the customer terminal 500 described with reference to FIGS. 1 to 14 .

Referring to FIG. 16 , the terminal 1000 includes a communication device 1001 , a memory device 1003 , a display 1005 , an input device 1007 , and at least one processor 1009 . The communication device 1001 is connected to the processor 1009 to transmit and/or receive data through the communication network 500 . The memory device 1003 is connected to the processor 1009 and stores a program including instructions for executing the configuration and/or method according to the embodiments described with reference to FIGS. 1 to 14 . The display 1005 is connected to the processor 1009 and outputs data according to the embodiments described with reference to FIGS. 1 to 14 on the screen. The input device 1007 is connected to the processor 1009 and is a means for a user input operation according to the embodiments described with reference to FIGS. 1 to 14 . The processor 1009 executes a program stored in the memory device 1003 . The program includes instructions for implementing the operating method of the present invention described with reference to FIGS. 1 to 14 , and the processor 1009 executes the present invention in combination with hardware such as the memory 1003 .

The embodiment of the present invention described above is not implemented only through the apparatus and method, but may be implemented through a program for realizing a function corresponding to the configuration of the embodiment of the present invention or a recording medium in which the program is recorded.

Although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improved forms of the present invention are also provided by those skilled in the art using the basic concept of the present invention as defined in the following claims. is within the scope of the right.

Claims (16)

A method of providing a service in which a service providing server operated by at least one processor provides a service associated with card information,
Collecting card issuance information based on unique identification information of customer terminals from a plurality of card company servers connected through a common electronic financial network;
providing a list of cards held by the customer to the customer terminal based on the card issuance information;
receiving, from the customer terminal, a request for blocking identification using card information for at least one card selected by the customer terminal from the card list;
transmitting an identity verification blocking request to at least one card company server corresponding to the at least one card;
Receiving an identity confirmation blocking history for the card for which identity confirmation is requested from the at least one card company server, and
based on the identification blocking history, notifying the customer terminal that a request for identification is generated from the card for which identification blocking is requested,
The request to block the identity verification above is,
Including a request for each card or a batch request for all cards included in the card list,
The at least one card company server,
In response to a request for blocking of identification of the service providing server, if a request for identification using a card for which identification blocking is requested occurs, rejecting the request for identification. delete In claim 1,
After receiving the identification blocking history,
Receiving an identity verification history for at least one card included in the card list, and
providing the identification blocking history and the identification identification history according to the inquiry request of the customer terminal;
A method further comprising: In claim 3,
After providing the card list,
Receiving an alarm setting request when paying for at least one card included in the card list;
transmitting an alarm setting request when paying to at least one card company server;
Receiving payment details for the card for which an alarm is set at the time of payment from at least one card company server or selecting payment text of the card for which the alarm is set at the time of payment from among the payment texts received to the customer terminal, and
Notifying the customer terminal of the occurrence of payment based on the payment details or selected payment text
A method further comprising: In claim 4,
After providing the card list,
receiving a request to set an identification blocking time for at least one card from the customer terminal;
sending a request to set an identity verification blocking time to at least one card company server;
receiving a history of blocking identity verification from at least one card company server if a request for identification occurs at the time of blocking identification; and
Further comprising the step of notifying the customer terminal that an identity confirmation request occurs at an identity confirmation blocking time based on the identity confirmation blocking history,
The at least one card company server,
A method of rejecting the request for identification if a request for identification occurs during the blocking time for identification. In claim 4,
After providing the card list,
receiving a request for setting a card payment blocking time for at least one card from the customer terminal;
transmitting a card payment blocking time setting request to at least one card company server;
When a card payment request occurs at the card payment blocking time, receiving a card payment history from the corresponding card company server or selecting the payment text received at the card payment blocking time from among the payment texts received from the customer terminal; And
Notifying the customer terminal that a card payment request occurs at a card payment blocking time based on the card payment history or selected payment text
A method further comprising: In claim 4,
After the step of notifying,
Analyzing the customer's card usage pattern based on the identity verification history and card payment history, and providing at least one of a statistical report, card product recommendation, and loan product recommendation based on the card usage pattern
A method further comprising: In claim 4,
The card issuance information is
In conjunction with the application installed in the customer terminal, the unique identification information received from the customer terminal or the unique identification information received from the identity verification institution that the customer terminal has performed identification in the processing of membership registration, the method. A device for providing services related to card information,
A communication device connected through a communication network with a customer terminal and connected through at least one card company server and a common electronic financial network;
A memory for storing a program for providing a service related to the card information in conjunction with an application executed in the customer terminal, and
a processor executing the program;
The program is
Collecting card issuance information, identification history and card payment details based on the unique identification information of the customer terminal, and providing a plurality of services calculated by processing the collected information through the application,
Based on the card issuance information collected from the at least one card company server, a card list held by the customer is created and provided to the application, and a request for blocking identification of at least one card selected in the application from the card list is sent to the application It receives from and includes instructions (Instructions) for transmitting an identity confirmation blocking request to the card company server of the card for which the identity confirmation blocking is requested,
The request to block the identity verification above is,
Including a request for each card or a batch request for all cards included in the card list,
The plurality of services,
At least one of a search function including at least one of card issuance history inquiry, identity verification history inquiry, and card payment history inquiry, statistical report according to customer's card usage pattern analyzed based on the collected information, card product recommendation and loan product recommendation including one,
The at least one card company server,
In response to a request for blocking identification of a service providing server, when a request for identification using a card for which identification blocking is requested occurs, the device rejects the request for identification. In claim 9,
The program is
If a request for identification is made based on the card requested to block the identification, it receives a history of blocking identification from the server of the relevant card company.
Including commands for notifying the identity verification blocking history through at least one of a text message, an email, and a push alarm of the application. In claim 10,
The program is
Receives a reception notification request from the application when paying for at least one card selected from the card list,
When payment, a receipt notification request is sent to the card company server of the card for which a receipt notification is requested at the time of payment, and when a card payment occurs based on the card for which the reception notification is requested at the time of payment, the card payment details are received from the corresponding card company server,
The device comprising instructions for notifying the card payment details through at least one of a text message, an email, and a push alarm of the application. In claim 11,
The program is
Receiving a request for setting an identification blocking time or card payment blocking time for at least one card selected from the card list from the application,
Sends the setting request to the card company server of the card for which the identification blocking time or card payment blocking time is set,
Receives from the card company server the history of blocking identity verification that occurred during the blocking time of identification or card payment history that occurred during the blocking time of card payment,
The device comprising commands for notifying the identity verification blocking history or the card payment details through at least one of a text message, an email, and a push alarm of the application. In claim 9,
The program is
A device comprising commands to analyze a customer's card usage pattern based on the customer's card payment details and identification details, and to configure and provide the analysis result in the form of a report. In claim 9,
The program is
Analyze the consumption pattern based on the customer's card payment history and identity verification history, and determine at least one recommended card related to the customer's preference based on the consumption pattern;
Analyze whether the issuance of the at least one recommendation card is possible based on the customer's credit information collected from the credit information management server, and whether the limit change and credit rating change according to the issuance,
An apparatus including instructions for providing card recommendation information including the at least one recommendation card, whether or not it is issued for each card, a change in a limit, and a change in credit rating. In claim 9,
The program is
Based on the customer's card payment history, identity verification history, and income information, the loan conditions for multiple loan products are analyzed, and the loanable products, loan limit and loan interest rate are determined according to the analysis, and loan recommendation information based on the determined information A device comprising instructions to generate and provide. In claim 9,
The program is
A device comprising instructions for storing the customer's personal information and automatically inputting the stored personal information into an input field of the other service application or the web browser when there is a call from another service application or web browser.

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