KR102664462B1 - System and method for integrated management of card payments using standardized store information and computer program for the same - Google Patents

Abstract

The card usage integrated management system includes a database configured to store usage information associated with a card merchant; Configured to receive affiliated store classification information from a plurality of card company servers, classify the affiliated store classification information into one or more categories corresponding to the usage information, generate standardized store information, and store the standardized store information in the database. Information Processing Department; And receiving a card approval request containing affiliated store information from the card company server, verifying the affiliated store corresponding to the card approval request based on the standardized store information, and if the affiliated store corresponding to the card approval request is verified, the card It may include a usage history management unit configured to transmit approval information for usage to the card company server.

Description

Integrated management system and method for card use using standardized store information and computer program therefor {SYSTEM AND METHOD FOR INTEGRATED MANAGEMENT OF CARD PAYMENTS USING STANDARDIZED STORE INFORMATION AND COMPUTER PROGRAM FOR THE SAME}

Embodiments relate to a card use integrated management system and method and a computer program therefor. More specifically, embodiments manage the industry classification codes of different affiliated stores for each card company as standardized store information according to consistent standards, so that card use management according to the merchant's industry, for example, settlement of subsidies such as national subsidies, etc. It is about technology that ensures that it is done without errors.

It is a support system for individuals or companies implemented at the government level, including employment incentives that support labor costs for small and medium-sized companies, work/child incentives that support childcare costs for children of working households, and job stabilization funds that subsidize a set monthly amount per worker. There is a worker vacation subsidy that provides additional support for workers' travel expenses. In addition, recently, systems such as the Corona Win-Win National Subsidy and the Win-Win Consumption Subsidy are being operated to support people who have suffered economic damage due to the spread of the coronavirus infection (COVID-19).

In the case of the Corona Win-Win National Subsidy and the Win-Win Consumption Subsidy, in order to receive the subsidy, the user must apply for the subsidy based on a specific card through the card company website, application, call center, ARS, etc., or receive a local love gift certificate through the local love gift certificate website or application. You must apply. Users can receive support funds by selecting a credit card, check card, prepaid card, or local love gift certificate. The use of the support fund and its limit management are also carried out by each card company based on the card or gift certificate selected by the user.

However, each card company classifies the business type of affiliated stores in its own unique way, so even if the subsidy is set to be used only in stores of a specific industry or in stores of a specific type (e.g., traditional market), the subsidy may not be applied due to the different types of affiliated store management for each card company. There is a problem in ensuring that the operation is carried out accurately according to the original purpose.

Public Patent Publication No. 10-2009-0016353

According to one aspect of the present invention, by managing the industry classification codes of different affiliated stores for each card company as standardized store information according to consistent standards, card use management according to the merchant's industry, for example, settlement of subsidies such as national subsidies, etc. It is possible to provide an integrated management system and method for card use that can be performed without error, as well as a computer program for the same.

An integrated card usage management system according to one aspect of the present invention includes a database configured to store usage information associated with a card merchant; Configured to receive affiliated store classification information from a plurality of card company servers, classify the affiliated store classification information into one or more categories corresponding to the usage information, generate standardized store information, and store the standardized store information in the database. Information Processing Department; And receiving a card approval request containing affiliated store information from the card company server, verifying the affiliated store corresponding to the card approval request based on the standardized store information, and if the affiliated store corresponding to the card approval request is verified, the card It includes a usage history management unit configured to transmit approval information for usage to the card company server.

In one embodiment, the information processing unit is further configured to synchronize the standardized store information with the affiliated store classification information of one or more card company servers among the plurality of card company servers.

In one embodiment, the information processing unit is further configured to receive subsidy information including one or more users and a subsidy amount for the one or more users from a support agency server, and store the subsidy information in the database. At this time, the usage information defines the card affiliated stores that can use the support amount, and the usage history management unit determines whether the support amount can be used by matching the affiliated store information included in the card approval request with the standardized store information. It is more structured.

In one embodiment, the subsidy information includes cashback information for at least a portion of the subsidy amount used at one or more locations. At this time, the usage history management unit is further configured to update the subsidy information to grant the user a cashback amount corresponding to the subsidy usage amount, based on the cashback information.

A card usage integrated management method according to an aspect of the present invention includes the steps of a card usage integrated management system receiving affiliated store classification information from a plurality of card company servers, respectively; The integrated card usage management system classifies the affiliated store classification information into one or more categories corresponding to preset usage information to generate standardized store information; Receiving, by the card use integrated management system, a card approval request including affiliated store information from the card company server; Verifying, by the card use integrated management system, an affiliated store corresponding to the card approval request based on the standardized store information; and the step of transmitting, by the card use integrated management system, approval information for card use to the card company server when an affiliated store corresponding to the card approval request is verified.

The card use integrated management method according to an embodiment further includes the step of synchronizing the standardized store information with the affiliated store classification information of one or more card company servers among the plurality of card company servers, wherein the card use integrated management system.

The card use integrated management method according to an embodiment further includes the step of receiving, by the card use integrated management system, subsidy information including one or more users and a subsidy amount for the one or more users from a support agency server. At this time, the usage information defines the card affiliated stores that can use the support amount, and in the step of verifying the affiliated stores, the card use integrated management system converts the affiliated store information included in the card approval request into the standardized store information. It includes a step of determining whether the subsidy is available by matching with.

In one embodiment, the subsidy information includes cashback information for at least a portion of the subsidy amount used at one or more locations. At this time, the card use integrated management method further includes the step of updating the subsidy information so that the card use integrated management system grants a cashback amount corresponding to the subsidy usage amount to the user, based on the cashback information.

The computer program according to one aspect of the present invention is combined with hardware to execute the card use integrated management method according to the above-described embodiments, and may be stored in a computer-readable recording medium.

According to the integrated card use management system and method according to one aspect of the present invention, the industry classification codes of different affiliated stores for each card company are managed as standardized store information according to consistent standards, so that card use management according to the merchant's industry is managed by each card company. It can be done through a unified system without being affected by different franchise classifications.

In particular, the card use integrated management system and method according to one aspect of the present invention is applied to the use of subsidies, such as national subsidies, in the form of using the amount provided to individual consumers by support organizations such as the government through a card, The availability of subsidies and settlement of usage amounts can be managed in a unified manner through an integrated system. Through this, users of the subsidy can use the subsidy using any card they wish without being limited by the card company or card type, and there is an advantage in ensuring that the subsidy is settled without error.

1 is a schematic block diagram of an integrated card usage management system according to an embodiment.
Figure 2 is a flowchart showing a method of standardizing store information in an integrated card use management method according to an embodiment.
Figure 3 is a flowchart showing a method of verifying a card approval request using standardized store information in the integrated card use management method according to an embodiment.
Figure 4 is a flowchart showing a method of processing the use of a subsidy using a card use integrated management method according to an embodiment.
Figure 5 is a flow chart showing a method of managing cashback according to the use of subsidy in the card use integrated management method according to an embodiment.

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

1 is a schematic block diagram of an integrated card usage management system according to an embodiment.

Referring to FIG. 1, the integrated card use management system 3 according to this embodiment operates by communicating with a plurality of card company servers 41-44 affiliated therewith, and receives affiliated store classification information from each card company server 41-44. It may be configured to receive and standardize the affiliated store classification information based on preset usage information to generate standardized store information.

In one embodiment, the card usage integrated management system 3 receives usage information related to card merchants from a support agency such as the government 5, and processes merchant classification information for each card company based on this usage information to create a standardized store. Information can also be generated.

The card 110 in this specification refers to a credit card, check card, prepaid card, etc., and the card company server 41-44 may refer to a card company that issues such cards, but is not limited thereto. For example, in another embodiment, the card 110 may not be a physical card but a virtual card or gift certificate that can be used on a mobile device 1 such as a user's smartphone. In this case, the card company server 41-44 ) may be a payment service server or payment brokerage service server that issued a virtual card or gift certificate.

In one embodiment, the card usage integrated management system 3 communicates with one or more card company servers 41-44 when the user 100 uses the card 110 at the affiliated store 2, thereby ), a verification process may be further performed by receiving a card approval request from, determining whether to approve card use based on standardized store information, and transmitting a response regarding approval to the card company server 41-44. .

For example, the card use integrated management system (3) is applied to a subsidy operation system in which the subsidy paid by the support organization (5) to users can be used through the card (110), and is linked to the card company system to provide subsidy funds. Limit confirmation and/or settlement can be performed. In other words, when there is a request from the user 100 to use the card 110, the card use integrated management system 3 compares the information of the affiliated store 2 for which card use was requested with the standardized store information and determines the information of the affiliated store 2. You can verify whether the subsidy can be used based on industry, etc. In addition, the card use integrated management system (3) checks whether there is a support fund balance for the user (100), compares the amount requested to be used by the user (100) and the support fund balance, and approves part or all of the card usage amount. In addition, settlement processing can be performed by deducting the approved amount from the balance of the support fund of the user (100).

For the above operation, the card use integrated management system 3 may operate while communicating with the support organization 5 and one or more card company servers 41-44. In addition, the card use integrated management system 3 includes a database (DB) 30, an information processing unit 32, and a usage history management unit 33. In one embodiment, the card usage integrated management system 3 may further include a communication unit 31. Additionally, in one embodiment, the card use integrated management system 3 may further include a notification transmission unit 34.

The devices described herein may be entirely hardware, or may have aspects that are partly hardware and partly software. For example, each unit constituting the card use integrated management system 3 and each system, device, server, etc. that communicate with it, and each module or unit included therein, transmit data of a specific format and content through electronic communication. It can refer to devices for sending and receiving and software related to them. In this specification, terms such as “unit,” “module,” “server,” “system,” “platform,” “device,” or “terminal” are intended to refer to a combination of hardware and software driven by the hardware. do. For example, the hardware here may be a data processing device including a CPU or other processor. Additionally, software driven by hardware may refer to a running process, object, executable, thread of execution, program, etc.

Additionally, in this specification, each device constituting the card use integrated management system 3 is not necessarily intended to refer to a separate, physically distinct component. That is, in FIG. 1, each DB 30 and units 31-33 included in the card use integrated management system 3 are shown as separate blocks, which are distinct from each other, but this represents the card use integrated management system 3. It is functionally classified according to the operation performed by it. Depending on the embodiment, some or all of the above-described parts may be integrated into the same device, or one or more parts may be implemented as a separate device that is physically separated from other parts. For example, each device constituting the card use integrated management system 3 may be components communicatively connected to each other under a distributed computing environment.

The communication unit 31 is configured to communicate with the support organization 5 and one or more card company servers 41-44 through a wired and/or wireless network. The communication unit 31 may receive affiliated store classification information for each card company from one or more card company servers 41-44. Additionally, in one embodiment, the communication unit 31 may transmit store information that standardizes different affiliate store classification information for each card company based on preset usage information to the card company server 41-44.

The information processing unit 32 functions to generate standardized store information by systematizing and standardizing information on different affiliated stores 2 for each card company and classifying it according to preset usage information. In one embodiment, the information processing unit 32 includes a receiving unit 321 and a standardizing unit 322. Also, in one embodiment, the information processing unit 32 may further include a synchronization unit 323.

The receiving unit 321 may receive affiliated store classification information from each of the plurality of card company servers 41-44. The standardization unit 322 may classify affiliated store classification information into one or more categories to generate standardized store information and store this in the DB 30. Usage information for standardization work may be entered or stored in the card use integrated management system (3), or may be received from a support agency (5) such as the government. In addition, the synchronization unit 323 transmits standardized store information to one or more card company servers (41-44) through the communication unit 31 or synchronizes it with the affiliated store DB of one or more card company servers (41-44). You can.

The usage history management unit 33 receives a card approval request containing information about the affiliated store 2 from the card company server 41-44, and responds to the card approval request based on the standardized store information stored in the DB 30. The corresponding affiliated store (2) can be verified. This refers to the process of determining whether the affiliated store 2 is a store where the user 100 can use the card 110 according to preset usage rules (i.e., usage location information). If the affiliated store 2 corresponding to the card approval request is verified as an available store, the usage history management unit 33 may transmit approval information for card use to the card company server 41-44.

The operation of the card use integrated management system 3 as described above can be applied to a subsidy operation system in which the subsidy paid by the support organization 5 to users can be used through the card 110. These embodiments are described below.

In this specification, the support organization 5 refers to a government, public institution, company, or organization that pays the user 100 an amount that the user 100 can use according to a certain standard. For example, the support agency (5) is the government of the Republic of Korea, and the support money paid by the support agency (5) is the Corona Win-Win National Support Fund and the Win-Win Consumption Subsidy paid to the people as part of the welfare or disaster relief policy for the people of the Republic of Korea. etc. can be mentioned. However, this is an example, and the support organization 5 and the form of the support fund may differ depending on the embodiments. For example, in another embodiment, the support organization 5 is a private company, and the support fund may be a welfare cost provided by the company to its executives and employees as part of in-house welfare.

In this case, the communication unit 31 may first receive support information including information for identifying one or more users 100 and the support amount for each user 100 from the support organization 5. Subsidy information received by the communication unit 31 may be stored in the DB 30. In addition, when the user 100 attempts to use the subsidy using the card 110 at the affiliated store 2, the communication unit 31 is one or more card company servers associated with the card 110 used by the user 100. Requests for use of support funds can be received from (41-44). Additionally, the communication unit 31 may provide subsidy settlement information, including whether the user 100 can use the subsidy and the amount of subsidy used, to the card company server 41-44.

When a request to use the subsidy is received from the card company server 41-44, the usage history management unit 33 approves the card based on store information standardized by the card companies' affiliated store classification based on the usage information of the support organization 5. It is possible to verify whether the requested target affiliated store (2) is a store that can use the subsidy.

Additionally, the usage history management unit 33 may verify the request for use of a subsidy based on the subsidy information of the user 100 stored in the DB 30. In other words, the usage history management unit 33 checks whether a subsidy exists for the user 100 and/or the balance of the subsidy, and if the subsidy can be used, compares the amount requested to use the card with the subsidy balance to determine the use of the subsidy. It can be verified.

As a result of the verification, if it is determined that the user (100) can use the subsidy at the affiliated store (2), the usage history management unit (33) will generate a response approving the use of the subsidy and/or settlement information including the amount of subsidy used, etc. You can. Additionally, when the use of the subsidy is approved, the usage history management unit 33 may update the subsidy information in the DB 30 to subtract the used amount from the subsidy amount for the user 100.

In embodiments of the present invention, the usage history management unit 33 allows the user 100 to use the subsidy granted to the user 100 on one or more cards 110 issued by one or more card companies, Verification of the use of subsidy and settlement of subsidy can be managed by unifying it. In other words, information on the subsidy provided by the support agency 5 to the user 100 through a process such as service subscription or authentication by the user or the support agency is stored in the card use integrated management system 3. Afterwards, the amount used by the user with the first card issued by the first card company is deducted from the subsidy limit, and if the user uses the second card issued by the second card company, the subsidy amount is deducted from the amount previously used by the first card. Subsidy use and subsidy balances through multiple cards are integrated and managed so that the amount used on the second card is deducted from the balance.

In one embodiment, the usage history management unit 33 includes an affiliated store verification unit 331 that verifies whether the affiliated store 2 requested to use the subsidy is eligible for subsidy use, and a subsidy settlement unit that manages and settles the balance of the subsidy. (332), and a cashback management unit 333 configured to reflect in the subsidy information the benefits corresponding to the amount used that meets the conditions among the subsidy according to preset cashback information. The operation of each of these units 331-333 will be described in detail later.

The notification transmission unit 34 functions to provide the user 100 with notifications related to the payment, use, and management of the support fund to the user 100. For example, the notification transmission unit 34 communicates with the user device 1, such as the user's smartphone, to notify the user device 1 in a text message, email, push notification through an application, or other appropriate form. Messages can be sent. In one embodiment, the notification message transmitted to the user device 1 may be a message requesting confirmation or approval for the use of cashback paid to the user 100, which will be described in detail later with reference to FIG. 4.

Figure 2 is a flowchart showing a method of standardizing store information in an integrated card use management method according to an embodiment.

Referring to FIG. 2, the card use integrated management system 3 may receive usage information defining the usage of the subsidy from the support agency server 5 (S11). At this time, usage information refers to information that classifies stores that can use the subsidy into one or more preset categories, and takes the form of a classification code that classifies the type of store or type of store (e.g., traditional market). That is, in this embodiment, the classification of each card company's affiliated stores is standardized based on the usage classification defined by support organizations such as the government.

However, in other embodiments, usage information for standardizing store information may be pre-entered or stored in the card usage integrated management system 3 in other different ways, and is not limited to being defined by the support agency of the subsidy.

Next, the card use integrated management system (3) may receive each card company's affiliated store classification information from one or more card company servers (41, 42) whose subsidy use is managed through the card use integrated management system (3) (S12 , S13). Each card company classifies the business types of affiliated stores in its own unique way. In this embodiment, the card use integrated management system (3) can generate standardized store information by matching different industry classifications for each card company to a unified classification system. There is (S14). For example, the card usage integrated management system 3 may generate standardized store information by classifying the card company's affiliated stores according to one or more categories defined in the usage information of the supporting agency.

The standardized store information generated in this way can be stored in the card use integrated management system (3) (S15). In addition, the card use integrated management system (3) uses this standardized store information in the card use verification process described later with reference to FIG. 3, so that it is not affected by different store classifications for each card company and based on the affiliated store's industry classification, etc. The defined card use rules can be applied comprehensively regardless of the type of card company or type of card used.

In one embodiment, the card use integrated management system 3 synchronizes the standardized store information generated by the above-described process with each card company server 41 and 42 (S16, S17), thereby establishing different affiliate store classification systems for each card company. It is also possible to maintain it in an integrated form. At this time, synchronization of standardized store information can be done at a certain time period (eg, day, week, month, etc.) or in real time, and is not limited to a specific method.

For example, in one embodiment, the card use integrated management system 3 is updated whenever there is a change in the merchant classification managed by each card company server 41, 42 or periodically updated from each card company server 41, 42. It is possible to receive affiliated store classification information and generate standardized store information based on the updated affiliated store classification information in response to receiving it. In addition, the integrated card usage management system 3 can synchronize standardized store information targeting only the card company servers 41 and 42 that have sent updated affiliate store classification information among multiple card company servers.

In one embodiment, the card use integrated management system 3 may refer to the standard industrial classification code obtained from the National Statistical Office server when standardizing the affiliated store classification of each card company. For example, the standardized store information may have a relatively less detailed form compared to the affiliated store classification obtained from each card company server 41 and 42. In other words, if the classification code for a specific affiliated store is different for each card company, create a major classification code that covers one or multiple subcategories by using each card company's classification as a subcategory, and define a code for each industry based on this major classification code. Standardized store information can be created. At this time, the standard industrial classification code may be referred to in determining the major classification.

For example, for a specific affiliated store corresponding to a movie theater, the first card company classifies it as [movie theater], while the second card company classifies it as [concert hall/exhibition hall], so the classifications may be different. If the industry classification is different for each card company, it becomes difficult to manage card use rules in an integrated manner. To unify this, an industry code corresponding to [Performance Facility Management] can be created as a category that encompasses both [Movie Theater] and [Concert Hall/Exhibition Hall]. You can. For example, in the case of the store category [performance facility operation] created by the above-mentioned process, it includes [movie theater] and [performance hall/exhibition hall] as subcategories and falls under the [performance facility operation] industry with the standard industrial classification code 90110. However, it is not limited to this.

In one embodiment, pattern recognition using the name of the affiliated store may be used to define a category for a specific affiliated store where the affiliated store classification is different for each card company. For example, a specific affiliated store with the name “○○ Cafe” may be classified as [Coffee Shop] by the first credit card company, but the same affiliated store may be classified as [Other Restaurant] by the second credit card company. In this case, even if referring to the standard industrial classification code, [coffee shop] corresponds to [non-alcoholic beverage store] with standard industrial classification code 56220, while [other restaurant] falls under [others] with standard industrial classification code 56199. [Restaurant business], it is impossible to determine the category of the store encompassing each card company's classification by referring only to the standard industrial classification code.

In this case, in this embodiment, the category (e.g., industry) of the affiliated store within the standardized store information for the target affiliated store is referred to the industry classification of other affiliated stores with names similar to the target affiliated store name "○○ Cafe". code) can be determined. For example, the card use integrated management system (3) separates the target affiliated store name "○○ Cafe" into "○○" and "Cafe" for each word, and preset regional classification (e.g., district or city). As a standard, search for "○○" and "cafe" from the store names of other affiliated stores located in the same area as the target affiliated store, respectively, and search for words (e.g., "○○") where the frequency of the store name containing the word is below a preset level. (part) can be judged to be the store's unique name.

In this case, the card use integrated management system (3) searches the standardized store information for words other than the part determined to be a unique name from the store name, or words separated from the store name, and as a result, the card usage is higher than the preset level at other affiliated stores. In the case of words that are used frequently (for example, the “cafe” part), they can be judged to be words representing industry categories. In this case, the card use integrated management system (3) checks the categories in the standardized store information for other affiliated stores that contain the corresponding word, and adopts the category that represents the relatively large number or most frequently. information can be determined.

Figure 3 is a flowchart showing a method of verifying a card approval request using standardized store information in the integrated card use management method according to an embodiment.

Referring to FIG. 3, when the user reads the card to the affiliated store terminal (2) to use the card at an affiliated store, the affiliated store terminal (2) sends an authorization request including information such as affiliated store information and amount used to the card company server (4). ) can be transmitted (S21). At this time, the card company server 4 may request verification of card use from the card use integrated management system 3 before deciding whether to approve card use (S22).

The card use integrated management system (3) stores preset usage information and standardized store information, and can use this to verify the affiliated store for which card use approval has been requested (S23). For example, usage information may include usage rules that predefine the types of stores that companies, public institutions, governments, etc. can use the funds in, depending on the type of funds being used. In this case, the usage rules may include the business classification of the affiliated store. It can be based on For example, usage information may be information that limits the industries in which subsidies paid to users by support organizations such as the government can be used, or it may be information that companies such as companies limit the industries in which corporate cards issued to their employees can be used. It could be information.

The card use integrated management system (3) checks whether the category of the merchant for which card use has been requested, such as store type (traditional market, etc.), is a usable category (or not an unusable category) defined in the usage information. By doing so, the affiliated store corresponding to the card approval request can be verified (S23). When the affiliated store is verified, the card use integrated management system (3) transmits a response approving the card use to the card company server (4), and the card company server (4) approves the card use in response (S25) and approves the card use. Information can be transmitted to the affiliated store terminal (2) (S26).

Meanwhile, as described above, the card use integrated management system according to the embodiments can be applied to a subsidy operation system in which the subsidy paid by the support agency to users can be used through a card, and this operation form is described below. This will be described in detail with reference to FIGS. 4 and 5.

Figure 4 is a flowchart showing a method of processing the use of a subsidy using a card use integrated management method according to an embodiment.

Referring to FIG. 4, the card use integrated management system 3 can receive and store subsidy information from the support agency server 5 (S31). Subsidy information refers to information that specifies the subsidy provided by the support organization among the consumption amount of users such as citizens of the relevant country, related persons of the relevant institution, or executives and employees of the relevant company by the government, public institutions, or private companies. As such, it may include information that can identify each user, subsidy information for the corresponding user, and usage information for using the subsidy.

In one embodiment, in order to receive subsidy information for the user from the support organization server 5, the card use integrated management system 3 receives subscription information from the user, and uses the subscription information to send the support organization server 5. User authentication can also be performed through However, this is an example, and in another embodiment, the card use integrated management system 3 allows users to receive support funds supported by the support organization 5 from the server of the support organization 5 without a separate registration process by individual users. It is also possible to receive subsidy information in bulk.

In embodiments of the present invention, the user does not need to separately apply to the card company server to use the subsidy for a specific card, and there is no need for the user to specify whether or not the subsidy will be used when requesting card payment. The user can request payment simply by contacting his/her card with the payment terminal of the affiliated store, as in the past.

When a user uses a card at an affiliated store, the affiliated store terminal (2) may request card use approval from the corresponding card company server (4) (S32). When requesting approval for card use, the affiliated store terminal (2) may transmit target card information, used affiliated store information, approval request amount, and approval request date and time to the card company server (4). The specific card approval process may further pass through the server of a Value Added Network (VAN) operator and/or an electronic payment gateway (PG) operator, but for convenience of explanation, description of this is omitted.

In one embodiment, the card company server 4 may check whether the use of the card is eligible for use of the subsidy before requesting approval for use of the subsidy (S33). This means that each card company first determines whether the use of the card falls within the area of use of the subsidy managed by the card use integrated management system (3), and the use of the subsidy is confirmed by the card use integrated management system (3) before card approval. This refers to the process by which the card company decides whether to request it or not. For example, each card company can determine whether the use requires subsidy approval based on the business type of the affiliated store for which card approval is requested, the card approval request amount, and/or the card approval request date and time.

However, this is an example, and in another embodiment, the card company server 4 reports to the card use integrated management system 3 for all card approval requests from a specific card or a specific user without the process of checking whether the card company server 4 is eligible for subsidy use. It is also possible to request the use of subsidies.

If the card company server (4) determines that approval for the use of the subsidy is required for a card approval request, the card use integrated management system (3) may be requested to use the subsidy (S34). The subsidy use request transmitted to the card use integrated management system 3 may include some or all of the information received from the affiliated store terminal 2 when the card company server 4 requests card approval. For example, a request to use a subsidy transmitted to the card use integrated management system 3 may include information that can identify the card user, information on the merchant using the card, the approval request amount, and the date and time of the approval request.

The card use integrated management system (3) that has received the subsidy use request can verify whether the card use is eligible for subsidy use (S35). In particular, the card use integrated management system (3) determines whether the affiliated store for which card approval has been requested is an affiliated store eligible for use of the subsidy, based on standardized store information generated through the information processing process by the card usage integrated management system (3). can be verified.

For example, the subsidy information may be set so that the subsidy can only be used in stores of a specific industry, and in this case, the card use integrated management system (3) uses the industry classification code of the affiliated store information for which subsidy use has been requested from the standardized store information. Based on this, it is possible to verify whether the affiliated store's industry corresponds to the industry that uses the subsidy. Alternatively, based on a classification code that classifies stores according to predetermined standards, it can only be used in stores of a certain category (e.g., traditional markets, franchise stores), and stores in other categories (e.g., supermarkets, direct franchise stores, etc.) may use the subsidy. Subsidy information may be determined to be unusable. In this case, the card use integrated management system 3 may verify the use of the subsidy based on whether the affiliated store for which subsidy use is requested corresponds to a traditional market in the standardized store information.

In addition, the card use integrated management system (3) can verify the subsidy limit for the target user for whom subsidy use has been requested (S36). The amount of support provided by a support organization to each user is not infinite, and the support amount information may specify the amount of support allocated to each user. The card use integrated management system (3) manages the subsidy by deducting it from each user's subsidy amount whenever the subsidy is used, and whenever subsidy use is requested, it checks whether the amount used exceeds the current subsidy balance to determine the subsidy balance. The use of the subsidy may be refused for amounts exceeding the amount.

In this way, the card use integrated management system 3 can determine whether the subsidy can be used and/or the amount to be used for the amount requested to use the subsidy, and transmit this to the card company server 4 as subsidy settlement information (S37). The amount of subsidy used may be determined as part or all of the amount for which card approval has been requested, depending on the user's current subsidy balance. Additionally, if it is determined that the subsidy is usable, the card use integrated management system 3 may update the subsidy information in the DB to deduct the used amount from the user's current subsidy balance (S38).

The card company server 4 may approve part or all of the amount for which card approval is requested according to the settlement information received from the card use integrated management system 3 (S39). For example, if the use of the subsidy is approved for only part of the requested approval amount, the card company server 4 approves the use of the card only for the amount approved for use of the subsidy, or uses the subsidy for the amount approved for use of the subsidy. Any other amount can be approved as a general card usage amount separate from the card support fee.

In one embodiment, the card usage integrated management system 3 may transmit subsidy usage information for one or more users managed by the support organization to the support organization server 5 (S40). The subsidy usage information transmitted at this time may include the amount of subsidy used by each user and information on where the subsidy is used (i.e., affiliated stores). This information allows the support agency to provide an overview of the usage status of subsidy used across cards from various credit card companies. It serves to enable clear understanding.

In one embodiment, the card use integrated management system (3) requests the use of the subsidy by the card company server (4) (S33), but in the affiliated store verification process (S35), the affiliated store's industry or store classification is determined by the support organization. Statistical information on card use cases where subsidy use is rejected due to inconsistent information can be generated and the statistical information can be transmitted to the support agency server (5). In addition, in one embodiment, such statistical information is generated for each user, and the notification transmission unit 34 (FIG. 1) of the card use integrated management system 3 transmits the statistical information to the user device 1 or/ In addition, it is also possible to generate recommended information about the subsidy use area based on the statistical information and transmit it to the user device (1).

For example, the subsidy information may be configured so that the use of the subsidy available to an individual varies depending on the individual's residence or the usage area for which the individual has applied to the support agency or the integrated card use management system (3). For example, in the case of the franchise industry, for directly managed stores, the subsidy can only be used at franchise stores where the head office is located in the region where the user resides or applied, and for franchise stores (agents), the subsidy can be used regardless of the region, etc. Subsidy information can be configured so that the usage varies based on both the type (franchise store or affiliated store) and the user's region.

In this case, the card company server (4) does not know the user's residence or application region, so card approval requests for franchise stores as affiliated stores are classified as subsidy targets (S33) and the subsidy is used in the card use integrated management system (3). (S34), and the card use integrated management system (3) can determine whether the affiliated store can use the subsidy based on the user's residence or application region (S35). At this time, if the user resides in the first region, for example, Gyeonggi-do, or applied to use the subsidy in Gyeonggi-do, but the use at franchise stores is mostly done in a different second region, for example, Seoul, the card is used at the Seoul franchise store. Regarding this, the results of the subsidy use being rejected will accumulate in the merchant verification process (S35) of the card use integrated management system (3).

In this case, the usage history management unit 33 (Figure 1) of the card use integrated management system 3 provides information to the user among the statistical information collected on cases in which requests for support funds from the card company server were rejected by the card use integrated management system 3. Cases rejected because the corresponding region (region of residence or application) does not match the judgment criteria for the store (e.g., location of franchise headquarters, etc.) are extracted, and if the ratio of such rejected cases is more than a preset value, the subsidy usage area is selected. Recommendation information that recommends changes to the user can be created. Additionally, the recommendation information generated in this way may be transmitted to the user device 1 by the notification transmission unit 34 (FIG. 1).

In the embodiment of the present invention discussed above, the card use integrated management system (3) standardizes the different affiliate store classifications for each card company according to the support organization's use of the subsidy, so that the subsidy is distributed in a unified manner without being affected by the different affiliate store classifications for each card company. Usage management can be made possible.

Meanwhile, in one embodiment, cashback may be provided as a benefit to encourage users' consumption in relation to subsidies provided by a support organization. In this case, the card use integrated management system 3 can manage subsidy information to provide users with benefits corresponding to the amount of subsidy that satisfies specific conditions.

Figure 5 is a flowchart showing a method of managing cashback according to the use of subsidy in the card use integrated management method according to an embodiment.

Referring to FIG. 5, in this embodiment, the card usage integrated management system 3 may receive and store cashback information from the support agency server 5 (S41). Cashback information, for example, defines the benefits to be paid to the user for the amount of money that meets certain conditions, such as a specific person, a specific usage, or a specific usage amount among the support funds from the supporting organization. It is an integrated management system for card use as part of the support fund information. It can be registered in (3).

Afterwards, when the user uses the card, the card use integrated management system (3) receives a request for use of the subsidy from the card company server (4) (S42), and verifies the use limit and usage destination of the subsidy (S43). , the result can be transmitted to the card company server 4 as subsidy settlement information (S44). Since this process is the same as the embodiment described above with reference to FIG. 2, detailed description is omitted to avoid duplication of description.

Meanwhile, in this embodiment, the card use integrated management system 3 may update the subsidy information to provide benefits to the user when the subsidy usage details meet the conditions defined in the preset cashback information (S45). For example, a benefit provided to a user of a subsidy may be providing a portion (e.g., 10%) of the subsidy used in a specific type of usage (e.g., a traditional market, etc.) to the user as a subsidy in the form of cashback.

In this way, the cashback amount paid to the user can be used by the user using his or her card, just like the support amount. At this time, the cashback provided to the user may be managed by the support organization as a payment method with different characteristics from the support money originally paid to the user. For example, users can use the subsidy at any store of their choice in addition to the usage that satisfies the cashback conditions, but the subsidy paid through cashback can only be used at usage that further satisfies the conditions preset by the support agency. So, in the subsidy information, the subsidy amount and cashback amount for the user can be managed as separate payment methods.

When the card use of the user who received the cashback is requested from the card company server (4) to the card use integrated management system (3) (S46), the card use integrated management system (3) is selected according to the user's selection or according to a preset priority. Accordingly, the subsidy settlement process can be managed so that the cashback amount is used first over part or all of the subsidy. For example, if the use of the user's subsidy is requested, and there is cashback amount available at the store where the user used the card, the card use integrated management system (3) checks whether the cashback amount will be used first before using the general subsidy. A request can be made to the user device (1) (S47).

When the user of the subsidy approves the use of cashback using the user device 1 (S48), the card use integrated management system 3 sends at least part of the amount used by the user from the subsidy and cashback balance to the card company server. It can be sent to (4) (S49), and the subsidy information and cashback information in the card use integrated management system (3) can be updated so that the subsidy and cashback usage amount can be deducted from the balance (S50).

For example, if cashback use is approved by the user and the card usage amount is less than the cashback balance, the card usage integrated management system (3) deducts the entire spent amount from the cashback balance in priority to the subsidy (3) ) DB can be updated. Alternatively, the card usage integrated management system (3) will first deduct the amount corresponding to the cashback balance from the spent amount if the card usage amount exceeds the cashback balance but is less than the sum of the cashback balance and the subsidy balance, and then use the remaining amount as the subsidy balance. The DB of the card use integrated management system (3) can also be updated to be deducted from .

Operations by the card use integrated management method according to the embodiments described above may be at least partially implemented as a computer program and recorded on a computer-readable recording medium. Computer-readable recording media on which programs for implementing operations according to the methods according to the embodiments are recorded include all types of recording devices that store data that can be read by a computer. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, and optical data storage devices. Additionally, computer-readable recording media may be distributed across computer systems connected to a network, and computer-readable codes may be stored and executed in a distributed manner. Additionally, functional programs, codes, and code segments for implementing this embodiment can be easily understood by those skilled in the art to which this embodiment belongs.

Additionally, each block or each step shown in the flowcharts herein may represent a module, segment, or portion of code that includes one or more executable instructions for executing specified logical function(s). Additionally, in some alternative embodiments, it is possible for the functions mentioned in the blocks or steps to occur out of order. For example, two blocks or steps shown in succession may in fact be performed substantially simultaneously, or the blocks or steps may sometimes be performed in reverse order depending on the corresponding function.

The present invention discussed above has been described with reference to the embodiments shown in the drawings, but these are merely illustrative examples, and those skilled in the art will understand that various modifications and modifications of the embodiments are possible therefrom. However, such modifications should be considered within the technical protection scope of the present invention. Therefore, the true technical protection scope of the present invention should be determined by the technical spirit of the attached claims.

Claims (9)

a database configured to store usage information associated with a card merchant;
Configured to receive affiliated store classification information from a plurality of card company servers, classify the affiliated store classification information into one or more categories corresponding to the usage information, generate standardized store information, and store the standardized store information in the database. Information Processing Department; and
Receives a card approval request containing affiliated store information from the card company server, verifies the affiliated store corresponding to the card approval request based on the standardized store information, and uses the card when the affiliated store corresponding to the card approval request is verified Includes a usage history management unit configured to transmit approval information for to the card company server,
The information processing unit is further configured to receive subsidy information including one or more users and a subsidy amount for the one or more users from a support agency server, and store the subsidy information in the database,
The usage information defines the card merchants that can use the support amount,
The subsidy information includes cashback information for at least a portion of the subsidy amount used at one or more places of use,
The usage history management department,
Determine whether the subsidy can be used by matching the affiliated store information included in the card approval request with the standardized store information,
Based on the cashback information, a card use integrated management system further configured to update the subsidy information to grant the user a cashback amount corresponding to the subsidy usage amount.
According to paragraph 1,
The information processing unit is further configured to synchronize the standardized store information with the affiliated store classification information of one or more card company servers among the plurality of card company servers.
delete delete A card usage integrated management system receiving affiliated store classification information from a plurality of card company servers;
The integrated card usage management system classifies the affiliated store classification information into one or more categories corresponding to preset usage information to generate standardized store information;
Receiving, by the card use integrated management system, subsidy information including one or more users and a subsidy amount for the one or more users from a support agency server;
Receiving, by the card use integrated management system, a card approval request including affiliated store information from the card company server;
Verifying, by the card use integrated management system, an affiliated store corresponding to the card approval request based on the standardized store information; and
When the card use integrated management system verifies an affiliated store corresponding to the card approval request, transmitting approval information for card use to the card company server,
The usage information defines the card merchants that can use the support amount,
The subsidy information includes cashback information for at least a portion of the subsidy amount used at one or more places of use,
The step of verifying the affiliated store includes the step of the card use integrated management system determining whether the subsidy can be used by matching the affiliated store information included in the card approval request with the standardized store information,
The card use integrated management system further includes the step of updating the subsidy information to grant a cashback amount corresponding to the subsidy usage amount to the user, based on the cashback information.
According to clause 5,
The card use integrated management system further includes the step of synchronizing the standardized store information with the affiliated store classification information of one or more card company servers among the plurality of card company servers.
delete delete A computer program stored in a computer-readable recording medium in combination with hardware to perform the card use integrated management method according to paragraph 5 or 6.

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