KR20000036868A - Service method for card issue and administration at internet - Google Patents

Abstract

PURPOSE: A method for issuing a unified card and providing a management service in internet is provided so that various credit cards requested by netizens can issue and service providing state can be understood by providing connection site between various credit cards service provider and general users. CONSTITUTION: A method for issuing a unified card and providing a management service in the internet includes several steps. A first step is to receive registration of a plurality of new credit card companies and introduce services of the registered companies(S3). In a second step, personal items of various netizens who want to issue credit cards is inputted. A third step is to transmit the specific items of the received items to the corresponding credit card business man (S11). A fourth step is to transmit the state whether the credit card is authenticated or not, to the corresponding netizens (12,13). A fifth step is to inform the service states according to the netizen's state as a real time to the corresponding netizen.

Description

Service method for card issue and administration at internet}

The present invention relates to a method for providing an Internet service for issuing a credit card and other related matters. In particular, the present invention provides and provides a connection window between a variety of credit card service providers and general netizens as a website. By using various websites, it is possible to handle various issuance tasks of credit cards requested by netizens at the same time to register various credit cards, and to understand the status of providing services according to accumulated points. The present invention relates to a method for providing a unified card issuance and management service on the Internet that can reduce the cost of advertising and distribution for securing membership.

In general, modern people are becoming accustomed to so-called plastic civilization using credit cards, cash cards or debit cards that can be provided with convenience in life while being able to compensate for various services rather than living with cash.

In addition, credit card service providers also provide information on goods and services, so they can get a certain amount of fees from the product or service providers. Compared to providing more various services.

Looking at the basic mechanisms of the general card sign-up process up to now, credit card service providers each use a salesperson or helper to fill out a membership application form from an unspecified number of people and then review and issue a set of cards. The process of selecting the subjects and delivering the cards by mail or in person is repeated.

In the process of issuing a credit card, each credit card service provider has not been able to secure new or additional subscribers through intense competition, which is why it is competitive to introduce bonus cards. The rapid expansion of the competition has intensified competition for attracting subscribers, making it difficult to maintain and manage existing members as well as new members. Moreover, a problem arises in that the burden on the participation and management costs of card members such as public relations expenses increases.

In addition, due to the problems of credit card service providers described above, consumers who wish to issue a credit card lose their interest or use of information or services provided by each credit card service provider. In addition, it is difficult to secure all the information on a number of cards, and when there are a large number of cards to be registered, the inconvenience of having to repeatedly perform the registration procedure of each card occurs. Moreover, when there are several types of subscription cards, there is a problem that the subscriber is bothered to manage each card individually.

In order to solve the problems of the distribution part caused by the issuance of the above-mentioned fundamental credit card, credit card operators have recently secured new members on the Internet through the form of electronic payment on the Internet thanks to the development of computer and electronic communication part. Is adopted.

However, these methods also have the advantage of reducing the distribution cost of credit card operators, but does not fundamentally solve the problem of users or subscribers.

Accordingly, the present invention has been made to solve the problems of the conventional card issuing method as mentioned above, the bonus to increase the sales of the various bonus cards issued by individual operators or the card itself to promote sales By allowing almost all cards, such as credit cards, to be issued through a single business-affiliated Internet site, the registration process for various card subscribers is unified, making it easy to sign up, maintain and manage them, and attract card operators. And it aims to satisfy both the card subscriber and the issuer by making the management task easy.

1 is a conceptual diagram illustrating a card issuing system according to the present invention;

2 is an operation flowchart of the credit card integrated service server shown in FIG.

3 is an exemplary configuration diagram of a module for each function of a credit card integrated service server (CCS) according to the present invention;

4 is an exemplary flow diagram of a command flow according to an operation process of a credit card integrated service server (CCS) according to the present invention;

5 is an example of an initial screen of a website provided by a credit card integrated service server (CCS) according to the present invention;

6 is an exemplary diagram showing an operation in the case of non-credit card subscription online.

A feature of the present invention for achieving the above object is a first process of registering a plurality of credit card operators, introducing the services provided by the registered credit card operators and the current status of the corresponding services on the Internet; A second step of receiving personal information of an unspecified number of netizens wishing to issue a credit card; A third step of delivering a specific item of the personal information of the netizen inputted through the second process to a credit card provider corresponding to the credit card which the netizen wishes to issue; A fourth step of serving the netizen whether the credit card provider is authorized to issue the credit card; And a fifth process of notifying the netizens of the service status according to the performance of the netizens approved for issuing a credit card through the fourth process in real time.

An additional feature of the present invention for achieving the above object is that, for the netizen issuing a particular credit card through the fourth process, simply select the target credit card when you want to issue another credit card It further includes a process of issuing a plurality of credit cards to be issued issuance.

An additional feature of the present invention for achieving the above object is to limit the particulars of the personal details of the netizens in the third process to the individual information corresponding to the application form possessed by the credit card provider. .

Further additional features of the present invention for achieving the object as described above, the second process includes a first step of requesting membership for general netizens; A second step of receiving details of personal information of members whose membership has been established through the first step; A third step of dividing the personal information of the member inputted through the second step into basic personal information and additional personal information and delivering it to credit card operators registered based on the basic personal information; And a fourth step of receiving information on the general matters regarding the membership of the member from the credit card operators and informing the member.

Further additional features of the present invention for achieving the object as described above, the first step after the fourth step of the second step of the member to confirm whether or not to select a credit card that you want to sign up for new; To the credit card service provider corresponding to the credit card selected through the first step, to the credit card service provider that selectively responds to individual information corresponding to the application form of the credit card service provider among the basic personal information and additional personal information of the member. It includes the second step of conveying.

The above objects and various advantages of the present invention will become more apparent from the preferred embodiments of the invention described below with reference to the accompanying drawings by those skilled in the art.

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

First, referring to FIG. 1 attached to the card issuing system according to the present invention, a credit card integrated service server (CCS) according to the present invention has entered into an alliance with a plurality of credit card companies (CA to CM) The service provided by credit card providers and the current status of the service will be introduced on the Internet.

Thereafter, the general credit card integrated service server (CCS) requests memberships on the Internet web site to general netizens (na-nn) accessing the credit card integrated service server (CCS), and only requests other netizens to join the request. The service provided by the credit card providers and the status of the service will be introduced on the Internet.

At this time, netizens who have joined the membership can make a new application by issuing a single credit card issuance request. You can check the status of your credit card usage or service benefits on your website in real time.

Referring to Figure 2 attached to the actual operating method of the card issuing system according to the present invention described above, Figure 2 is a flowchart of the operation of the credit card integrated service server (CCS) shown in Figure 1 attached.

First, the credit card integrated service server CCS determines in step S1 whether an access request has occurred from any of the netizens na-nn.

If it is determined in step S1 that the access request exists, the process proceeds to step S2 to query the member ID and PASSWORD to determine whether it is an opportunity source or a new member.

If the netizen makes a request for arbitrary matters with respect to the question in step S2, it is determined in step S3 whether the request is a request for new member registration. In step S4, it is checked whether the input of the netizens for the member ID and PASSWORD queried in step S2 exists in the preset data table.

On the other hand, in the case of a new subscription request, the process proceeds to step S5 and performs a process of issuing the member ID and PASSWORD of the netizen who made the access request in step S1. At this time, the basic bibliographic information (for example, residence address, resident registration number, name (Korean, English), etc.) is input for membership.

After performing the process of step S4 or S5, in step S6, the personal record entered at the time of the new subscription is accessed, and in step S7, each credit card company linked to the basic personal record accessed through the process of step S6 ( CA-CN will be sent to request the relevant data for the current member among the members of each credit card company (CA-CN).

This will provide a basis for informing the member of the status of the credit card owned by the currently connected member, the types of credit cards that can be issued, and the benefits that can be provided by the current credit card. It displays so that the status of their credit card usage (S8).

Thereafter, in step S9, it is checked whether the member wishes to issue a new credit card. If the member does not want to issue a new card, the process proceeds to step S10. To provide.

If it is determined that the member wishes to issue a new credit card through the process of step S9, the process proceeds to step S11 where the credit card company of the personal information of the member corresponds to the credit card company corresponding to the credit card selected by the member. Select only the information corresponding to the request for issuance and send it to the credit card company individually.

Thereafter, in step S12 receives a response to the issue whether or not issued from the credit card company side to notify the member through the process of step S13.

This series of processes shows only the operation process of the part related to credit card issuance, and the operation of the website and the provision of the service of the server other than that follow the operation of the general website. In general, the detailed operation process may be differently displayed by the website designer, but the detailed description is omitted since it does not correspond to the main part of the present invention.

An example of the configuration of a function-specific module of a credit card integrated service server (CCS) according to the present invention operating as described above is shown in FIG. 3, and the flow of instructions according to its operation is shown in FIG. As shown in.

But. 3 and 4, the configuration connection and the flow of instructions of the modules shown in FIG. 3 may be different depending on the design style of the website designer, as described above, and thus the detailed description thereof will be omitted.

In addition, FIG. 5 illustrates an initial screen of a website provided by a credit card integrated service server (CCS) according to the present invention.

In addition, FIG. 6 shows an operation in the case of non-credit card subscription, which is not programmed online in relation to credit card subscription, and is programmed in advance when the other card company wants to register by document. Print out the user information entered in the credit card company's membership registration form in each item, or print out the registration form and send it to the card integrated subscription service provider by mail or other means. You can provide a subscription service by passing it to a credit card company.

While the invention has been shown and described in connection with specific embodiments thereof, it will be appreciated that various modifications and changes can be made without departing from the spirit and scope of the invention as indicated by the claims. Anyone who owns it can easily find out.

As described above, according to the unified card issuance and management service on the Internet of the present invention, the service user can obtain card memberships of all desired affiliate companies by writing a single membership registration form, and each card operator You can enjoy various bonus benefits such as accumulating points and participating in events, and it is very easy and quick to obtain information and sign up for new cards provided by the site operator later and change subscriber personal information or It is easy to manage when there is a reason for change of card registration information such as loss of subscription card.

In addition, in the case of card operators, membership is made through the Internet site, so it is easy to attract and manage subscribers, thus reducing the cost of attracting and managing members. By providing ancillary services for promotion and promotion, synergies can be expected to attract subscribers. On the contrary, it is possible to increase the number of subscribers by clearly highlighting services and promotions and promotions unique to individual card operators.

Claims (6)

A first step of registering a plurality of credit card providers and introducing the services provided by the registered credit card providers and the current status of the services on the Internet; A second step of receiving personal information of an unspecified number of netizens wishing to issue a credit card; A third step of delivering a specific item of the personal information of the netizen inputted through the second process to a credit card provider corresponding to the credit card which the netizen wishes to issue; A fourth step of serving the netizen whether the credit card provider is authorized to issue the credit card; And And a fifth process of notifying the netizens of the service status according to the performance of the netizens authorized to issue the credit card through the fourth process in real time. The method of claim 1, For the netizens issued with a specific credit card through the fourth process, the method further includes a multiple credit card issuing process for allowing the credit card issuing application to be made simply by selecting a target credit card when issuing another credit card. Method of providing a unified card issuance and management services on the Internet. The method of claim 1, In the third step, the specific details of the netizens personal information is a personalized card issuing and management service providing method on the Internet, characterized in that the individual information corresponding to the application form that the credit card provider has. The method of claim 1, The second process includes a first step of requesting membership for general netizens; A second step of receiving details of personal information of members whose membership has been established through the first step; A third step of dividing the personal information of the member inputted through the second step into basic personal information and additional personal information and delivering it to credit card operators registered based on the basic personal information; And A method for providing a unified card issuance and management service on the Internet, characterized in that it comprises a fourth step of informing the member after receiving information on the general matters of whether the member already registered from the credit card providers. The method according to claim 1 or 4, A first step of confirming whether the member selects a new credit card after the fourth step of the second process; To the credit card service provider corresponding to the credit card selected through the first step, to the credit card service provider that selectively responds to individual information corresponding to the application form of the credit card service provider among the basic personal information and additional personal information of the member. A method for providing a unified card issuance and management service on the Internet, comprising the step of delivering. Method for connecting a functional module, characterized in that for providing a unified card issuance and management services on the Internet described in any one of claims 1 to 5.