KR20010064674A - Service provide method use credit card for using internet - Google Patents

Abstract

PURPOSE: A method for providing a service for a credit card using the Internet is provided to reduce a time and a cost by enabling a credit card holder and a member store to share various information through a single integrated channel provided from a service integration/agency company in case that the credit card holder and the member store transact business. CONSTITUTION: A service integration/agency company(20) is equipped with a mail sever(22), a web server(24), a database server(26) and so on. The mail server(22) provides a fixed volume of mail storage place for enabling a card holder and member stores(o1,o2,o3,...,0n,80) enrolled as members(m1,m2,m3,...,mn,60) to use a mail. The web server(24) processes files for operating a web page and provides various screens and texts. Information on a card company, a credit card holder and a member store is built in the database server(26). The service integration/agency company(20) enters into an agreement with a plurality of card companies(c1,...,cn,100) and banks(b1,..,bn,120).

Description

SERVICE PROVIDE METHOD USE CREDIT CARD FOR USING INTERNET}

The present invention relates to a credit card transaction using the Internet, and in particular, the card company, credit card holders and merchants on the Internet when the credit card holders holding various types of credit cards and each credit card merchants integrating services / How to provide services for credit card using the Internet that saves time and costs by sharing various high-quality information through a single integrated channel provided by an agency, which can benefit both card companies, credit card holders and merchants. will be.

Generally, a credit card is issued to the general public by a card company that has an agreement with a bank, and the general person purchases the goods using a credit card and pays the goods to the card company through a bank as a post-payment method. The card also provides cash advance services based on the credit card holder's credit and returns cash, including a certain fee.

These credit card services are now widely used, and individuals already have three to four cards per card company and bank. When requesting service requests or inquiries from card companies, the corresponding card companies or Requests are made by contacting the bank individually.

As a result, a plurality of credit card holders and merchants only obtain credit card issuance, re-review, accident report and information through a credit card issuing company or a bank, so it is inconvenient when using a credit card. It is causing.

In order to solve the above problems, the present invention provides a card company, credit card holders and merchants on the Internet at the time of the credit card holders having various types of credit cards and each credit card merchants. It provides a method of providing services for credit cards using the Internet, which saves time and saves money by sharing various high quality information through a single integrated channel provided by the company, which can benefit both card companies, credit card holders and merchants. The purpose.

In order to achieve the above object, the present invention comprises the following services.

At the conclusion of the contract, the contract for the provision of the service is concluded between the card company, the banks and the service integration / agent company;

In the web page operation step, the web pages according to the mail service and service provision are operated by integrating different information providing forms for each card company and bank on the web page;

At the member recruitment stage, the service integration / agent recruits card users and merchants as members;

In the delivery step, various service requests of the member are delivered by the service integration / agent to the relevant card companies and banks using the Internet network;

Finally, in the information providing step, the results are collected from the card company and the bank, and the information is provided to the card user and the merchant in an integrated form.

In particular, in this step, it is preferable that all the registered card companies registered by the member when joining the service integration / agent company, and then use the service by selecting the card companies individually or integrating at the same time.

In addition, it is characterized in that the notification is made to all card companies subscribed as a member in one card report of the loss of the service request of the member.

1 is a diagram illustrating a system configuration of a service for providing a credit card using the Internet, which is a preferred embodiment of the present invention;

2 is a block diagram showing step by step a service providing method according to the present invention;

3 is a block diagram showing a process according to the subscription application in the service providing method according to the present invention,

4 is a block diagram showing a process related to transaction history / payment price / limit inquiry service in the service providing method according to the present invention,

5 is a block diagram showing a process related to the theft / loss reporting service in the service providing method according to the present invention,

Figure 6 is a block diagram showing a process related to the mailing agent service such as bills in the service providing method according to the present invention,

7 is a block diagram illustrating a process related to a service for reporting information change of a member, such as a change of address, in a service providing method according to the present invention;

8 is a block diagram showing a process related to the cash service / loan transfer service in the service providing method according to the present invention.

<< Explanation of symbols for main part of drawing >>

20. Service integration / agent 22. Mail server

24.Web server 26.Database server

40 .. recruiter 60..member (card holder)

80. Merchant 100. Card company

120. Bank

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

1 is a diagram showing a system configuration of a service providing method for a credit card using the Internet, which is a preferred embodiment of the present invention, and FIG. 2 is a block diagram showing a service providing method according to the present invention step by step.

Prior to explaining the service providing method of the present invention, the service integration / agency 20 is basically a device such as a mail server 22, a web server 24, a database server 26 for operating a web page It should be equipped with.

The mail server 22 is a mail for the cardholders and merchants 80 (o1, o2, o3, ... on) recruited as members 60 (m1, m2, m3 ... mn). This is to provide a mail storage space of a certain capacity so that can be used.

The web server 24 processes files for operating a web page and processes the files to provide various screens or texts. The web server 24 generally includes a basic processor, RAM, ROM, and hard disk.

The database server 26 stores information on card companies, member information having a credit card, and affiliated stores in the form of data.

While operating a web page based on such a basic device, as shown in FIG. 1, the holders and merchants 80 who hold a card online through the web page are recruited as members and the recruiter 40 on the apron. Recruit members through

In addition, the service integrator / agent 20 contracts with various credit card companies 100 (c1, .. cn) and banks 120 (b1, ... bn) to substantially integrate the service integrator / agent ( 20) cardholders, merchants and card companies and banks can be organically linked.

In this connection state, information is provided through the steps shown in FIG. 2.

In the contract conclusion step 200, the contract between the card company 100, the banks 120 and the service integration / agency 20 to provide a service.

In the webpage operation step 300, different card information and bank types are stored in a web server 24, a database server 26, and the like, and integrated on a web page, and a mail service is provided through a mail server 22. To provide more convenient to use.

In the member recruitment step 400, the service integration / agency 20 recruits members online through an apron or a web page through the recruitment 40 of the card user 60 and the merchant 80.

In particular, when registering as a member, all registered card companies are registered, and when using a service, the card companies can be selected and used individually or simultaneously.

In the delivery step 500, various service requests of the member are delivered to the service integration / agent 20 by the corresponding card company 100 and the bank using the Internet network, mail, or telephone network. Here, various service requests include card membership / merchant registration service, transaction history / payment / limit inquiry service, theft / lost report service, mail sending agent service such as invoice, information change report service such as change of address, and cash service / loan transfer service. Etc.

Here, in the case of theft / lost report service, all card companies that are registered as members are notified at the same time by requesting a card loss report, thereby eliminating the inconvenience of having to report each card company and each bank individually.

Finally, the information providing step 600 collects the results from the card company 100, the bank, and provides the integrated information to the card user 60 and the merchant 80.

In this case, different information providing forms may be generated for each card company, but the service integrator / agency company integrates individualized information providing forms to prepare its own unique providing format.

Hereinafter, each service procedure and service usage process will be described with reference to FIGS. 3 to 8.

Looking at the membership registration step with reference to Figure 3, by the recruiter registered as a card member with the service subscription member to the service integration / agency, or the cardholders and merchants themselves to apply for subscription as a service subscription member online.

At this time, the service integration / agent requests the card company to apply for the card, and each card company notifies the service integration / agency company of the result through its own examination, and the service integration / agency company e-mails the result to the member. You will be notified by mail or mail.

In particular, the convenience is that people can apply for subscription to the card company or bank they want to be issued at the same time by entering information about their personal information only once as a member.

Of course, for this purpose, the service integration / agent may use the member subscription data, card application information, and examination result information as a database for member analysis.

4 schematically shows a process related to transaction history / payment value / limit inquiry service.

When a member makes an inquiry request such as transaction details, payment amount, or limit inquiry online, the service integrator / agent will request the inquiry on the card and each card company or bank will notify the service integrator / agent. .

The service integrator / agency company collects the transmission information for each card company, processes it in a single format, and provides the information to the member. At this time, the service integration / agency can use the member information of the members subscribed to the service using the member's holding card.

FIG. 5 illustrates a process related to theft / lost reporting service. When a member receives a report of a card loss or theft online through a service integration / agent company, the member information is used to accidentally notify each card company or bank. Upon receipt of the report, each card company or bank notifies the service integration / agency company of the result, while directly contacting the member and the accident details by card company.

In this process, the member does not have to report every lost card company, but when he receives an accident report using his member information already stored in the database, all card companies or banks are accepted at the same time, so the service is very easy to use. do.

In FIG. 6, a mail sending agency service such as an invoice is illustrated.

When the service integration / agent notifies the relevant card company of the recipient of the mail using the membership information of the service, each card company or bank generates a target mail such as a bill of the member notified by each company and sends it to the service integration / agent In addition, the service integration / agency will collect the mail received from the individual card companies and send to the unique mail ID of the target member.

7 illustrates an information change notification service such as an address change.

When a member changes his / her information, such as a change of address, the member changes his / her information stored in his / her database and keeps a list of information changes. Notify the service integrator / agent after receiving and processing the report.

In this case, the information is changed at the same time to all the credit card companies, banks that apply to the service integration / agency, without having to notify all card companies, banks according to the information changes.

8 illustrates a process related to a cash advance / loan transfer service.

When a member selects a target card from a service integration / agency company and requests cash service / loan withdrawal and transfer application, the service integration / agency company views the member's card information and payment / receipt account information in the database. After applying for cash service / loan withdrawal and transfer to the withdrawal target card company, the card company transfers the funds from the withdrawal account to the transfer target account after confirmation through the loan examination.

Subsequently, when the transfer target card company confirms the transfer, the processing result is notified to the service integration / agency company, and the service integration / agency company receives the processing result of each step from the card company, registers and upgrades, and then withdraws / transfers processing result and information. Provide to members.

As described above, the method of providing a service for a credit card using the Internet according to the present invention provides a simpler use of the card to all members, merchants and card companies through a service integration / agent company, thereby saving time and reducing costs. This makes profits for both credit card holders and merchants.

Claims (3)

A contract conclusion step of concluding a contract for providing a service between a card company, banks, and a service integration / agent company; A web page operating step of operating a web page according to a mail service and service provision by integrating different information providing forms for each card company and bank on a web page; Member recruiting step of recruiting card users and merchants as a member service integration / agency; A delivery step of delivering various service requests of the member to the corresponding card company and the bank by using the Internet network; And Method of providing a service for a credit card using the Internet comprising an information providing step of collecting the results from the card company, the bank and providing information to the card user and the merchant in an integrated form. According to claim 1, Credit card using the Internet, characterized in that when registering as a member to the service integration / agency registered all the card company that the member is already subscribed, and subsequently use the service by selecting the card company individually or integrated How to Provide Services for Cards. The method of claim 1, wherein all card companies that are registered as members are notified of one card loss report request among the service requests of the member. .