KR20010078918A - Method for management a credit card and system for the performing the same - Google Patents

Abstract

PURPOSE: A method for managing a credit card and a system for performing the method are provided to induce the younger generation to use a credit card usefully and soundly by issuing a credit card to the younger generation on their parent's or an adult person's responsibility. CONSTITUTION: At least one teen card is issued and the teen card is provided to a user in accordance with a request of an issuing manager(S125). If a request for approval contents of the teen card, the approval contents are inquired and the corresponding approval contents are informed in accordance with using of the issued teen card(S145). The corresponding paying amount is charged by receiving paying result information in accordance with the informing of the approval contents, and the charging amount provided in accordance with the response is stored(S155, S165). The corresponding charging amount is paid in accordance with paying request of the charge, and the consumption detail of the teen card is informed to the issuing manager(S170, S175).

Description

Method for management a credit card and system for the performing the same}

The present invention relates to a method for operating a credit card and a system for performing the same, and more particularly, to a method for operating a credit card for a youth or a youth and a system for performing the same.

Recently, as a payment method, a credit card that is easy to use and carry rather than cash is used a lot. As a result, the number of credit card merchants has increased, and the types of payments that can be made with credit cards have increased. In other words, credit cards are used as a payment method not only in general stores but also in electronic commerce, which is a commercial use of the Internet.

However, the issuance of such a credit card is limited to adults, and thus, the issuance of credit cards is restricted for adolescents. Even if it is possible to borrow a credit card issued with the consent of parents, etc. to adolescents, such as children, such a loan is illegal, and there is a problem that it may cause a bad effect on the youth's consumption habits.

Therefore, the technical and problem of the present invention is to solve such a conventional problem, and an object of the present invention is to issue a credit card to adolescents under the responsibility of an adult such as a parent to induce a healthy consumption habit of the youth. To provide.

Another object of the present invention is to provide a credit card operating system suitable for performing the above-described credit card operating method.

1 is a view for explaining a credit card operating system according to an embodiment of the present invention.

2 is a view for explaining an example of the slave card operating system of FIG.

3 is a view for explaining a credit card operating method according to an embodiment of the present invention.

4 is a view for explaining a credit card operating method according to another embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

100: manager system 200: slave card operating system

210: answering machine (ARS) 220: consultant PC

230: management server 240: DB server

250: Web server 260: credit card company system interface

270: bank system interface 300: credit card company system

400: Banking System 500: Merchant System

600: user system

Credit card operating method according to one feature for realizing the above object of the present invention,

Issuing one or more subordinate cards to a user side according to a request of the issuing administrator;

Inquiring the authorization details of the subordinate card when the authorization details request is requested according to the use of the issued subordinate card, and notifying the authorization details;

Receiving the payment result information according to the notification of the approval details, claiming the payment amount, and storing the charge amount provided according to the response; And

Payment of the corresponding billing amount according to the request for payment of the billing amount, and notifying the issuer of the usage history of the subordinate card.

Here, the subordinate card preferably has at least one function of prepaid, debit, and postpaid payment by a credit card of the issuing manager or a third party, wherein the subordinate card is set by the issuing manager. It is preferable to further provide a payment function according to a predetermined usage limit.

In addition, when there is a request for any one of the usage information or the affiliate information from the issuing administrator or the user, it is checked whether the issuing administrator or the user is legitimate. It is preferable to further include providing one.

In addition, when the transfer request to the subordinate card is requested by extracting a predetermined support amount from the credit card usage limit amount held by the issuing administrator or a third party, the subsidiary card is settled and the settlement account of the subordinate card is cashed. It is preferable to further include the step of depositing in a predetermined prepayment.

In addition, if a predetermined amount of support is extracted from the limit of use of the credit card held by the issuing administrator or a third party, and there is a request to transfer to the subordinate card, the amount of the support is prepaid and the amount of available support is prepaid. It is preferred to further include the step of treating with an increase of.

In addition, a credit card operating system according to one feature for realizing another object of the present invention described above,

At least one subordinate card is issued according to the issuance manager's request for issuing a subordinate card, and if there is an authorization confirmation request for the subordinate card as the subordinate card is used, the corresponding authorization is checked and the result is determined. Including the dependent card operating system to provide.

Here, the subordinate card operating system further includes an ARS that performs the credit card issuing process when the credit card issuing request is passed through the PSTN, and the credit card issuing process is performed when the credit card issuing request is via the Internet. It is preferable to further include a web server to perform. In this case, the subordinate card operating system may further include a call center interoperating with at least one of the PSTN and the Internet.

In addition, the subordinate card operating system may be operated separately from the credit card company system and the banking system, or may be operated depending on any one of the credit card company system or the banking system.

According to such a credit card operation method and a system for performing the same, the juvenile party issues a subordinate card in response to a request for issuance of an adult, such as a parent, and the authorization details of the subordinate card whenever a payment is performed using the subordinate card. By notifying the credit card company, it is possible to induce the payment to be made according to the option set by the issuer in advance, thereby training the healthy consumption habit of the cleaning surface.

Then, embodiments will be described so that those skilled in the art can easily implement the present invention.

First, the subordinate card (or teen card) defined in the present invention is a prepaid function card issued to a teenager who can use a credit card, and is used in the same way as a credit card issued to an existing adult. Managers (adults, such as parents or family members) are responsible for the management and payment, and store multiple transfers and usage limits between the parent's parent card and adolescent's subordinate card, and deposit the amount over the limit. It is collectively to manage and use.

1 is a view for explaining a credit card operating system according to an embodiment of the present invention.

1, a credit card operating system according to an embodiment of the present invention is a plurality of manager system 100, subordinate card operating system 200, a plurality of credit card company system 300, a plurality of bank system 400 , A plurality of merchant systems 500 and a plurality of user systems 600.

The manager system 100 is a subordinate card in the subordinate card operating system 200 through a public telephone network (PSTN) or the Internet network through a writing offline or using a telephone 110 or an Internet-accessible PC 120. Request issuance, and perform payment according to the use of the subordinate card issued accordingly. Of course, when requesting issuance of a subordinate card, the use of the subordinate card can be restricted through the option of specifying the subordinate card's usage limit or amount of use on a monthly or weekly basis. You can also modify or delete the license, or specify additional usage limits or usage limits.

In addition, the manager system 100 may request issuance of a card (ie, a mother card) to be used as well as a request for issuance of a subordinate card, and if the mother card is issued, an option designation is linked with the subordinate card. You can also specify a limit.

In addition, the manager system 100 may request the subordinate card operating system 200 to query the issued subordinate card for use information or affiliate information, and manage the subordinate card usage history. By managing the usage history of the subordinate card, consumption habits of the user who uses the subordinate card, preferably adolescents, can be guided in a desirable direction.

The manager system 100 is preferably a parent, and may be a relative or guardian. In the above description, the one-to-one method of issuing and managing one subordinate card per manager is described as an example, but one-to-many or many-to-one method may be implemented.

For example, if a guardian of a boy and girl head is a manager, a plurality of guardians may issue a subordinate card and lend it to a certain boy and girl head. It may also be possible to use a one-to-many method of issuing a subordinate card to a plurality of young people.

When the subordinate card operating system 200 receives the subordinate card from the manager system 200, the subordinate card operating system 200 requests the issuance of the subordinate card to the credit card company system 300, and in response to the subordinate card operating system, the subordinate card issued to the user side. To provide. In this case, information such as ID and password of the subordinate card may be stored in a predetermined database and used to perform an authentication operation of the information requestor when a user system or a user system requests usage information or affiliation information.

More specifically, the subordinate card operating system cooperates with the credit card company to provide information such as the issuance and use of the card, to settle the credit card company's billing, and to charge the bank with a prepaid amount of usage limit set by the administrator. The amount is paid to the credit card company according to the user's usage history.

Here, the prepaid amount deposited over the limit is managed by the manager system 100, and the payment thereof is paid by the credit card company at the request of the manager or when the settlement date of the outstanding amount has elapsed.

All the details of the card usage are shared in real time using a dedicated line between the credit card company and the subordinate card operating system, which is provided to the administrator and the user in real time through the Internet, ARS, and usage statement.

When the credit card company system 300 receives a subordinate card from the subordinate card operating system 200, the credit card company system 300 issues the subordinate card and provides the subordinate card to the subordinate card operating system 200. If there is an authorization request from the affiliated store 500, the subordinate card operating system 200 requests the authorization and provides the affiliated store 500 according to the authorization information provided in the response.

In addition, the credit card company system 300 stores the usage history information according to the use of the subordinate card, and may request the payment bank side of the subordinate card or request the subordinate card operating system side as the payment time elapses. have.

Banking system 400 preferably has an account number that can be linked with the manager system side, and the requestor for the payment in accordance with the request for the transfer of the charge for the use of the subordinate card from the credit card company system or subordinate card operating system To the side.

Merchant system 500 is composed of a plurality of online merchants 510 and a plurality of offline merchants 520, and requests the credit card company system to check the normal use of the subordinate card in accordance with the use of the subordinate card, the response According to the authorization provided in accordance with the billing payment for the use of the subordinate card bills the credit card company system 300 side.

The user system 600 possesses a subordinate card issued at the request of the manager system 100, and uses the subordinate card at the merchants 510 and 520 online or offline through the same procedure as the use of a general credit card. . Of course, the payment generated by the use of the subordinate card is made by the manager side, not by the user side, and may request the subordinate card operating system side to request confirmation of the use information or affiliate information of the subordinate card.

In the above embodiment, a method of issuing a subordinate card issued by a parent to a child of a parent and a method of paying a payment according to the use of the subordinate card is described as an example. Another way may be described in which a third party makes a payment. In particular, payment by a third party can be activated by introducing the concept of allowance provided to adolescents, and a certain subordinate card of a specific adolescent in a third party's account is introduced periodically by introducing an allowance that is transferred offline. You may be able to automatically transfer to an account that works with.

In addition, the above embodiment has been described that the subordinate card operating system is implemented separately from a credit card company system or a banking system. However, the subordinate card operating system may be combined with a credit card company system to operate a credit card. You may be able to operate a credit card in combination.

2 is a view for explaining an example of the slave card operating system of FIG.

2, the slave card operating system according to an embodiment of the present invention is an automatic answering system (ARS) 210, a plurality of counselor PCs 220, management server 230, DB server 240, Web server 250, credit card company system interface 260, and bank system interface 270.

The ARS 210 provides the request information to the management server 230 when there is a request such as usage information or affiliate information of a specific subordinate card via a public telephone network, and the information according to the response. Is provided to the information requesting party via a public telephone network (PSTN).

The plurality of counselor PCs 220 are operated by resident counselors, and when there is a request such as usage information or affiliation information of a specific subordinate card via a public telephone network or the Internet, the request information is managed on the management server 230 side. And the information according to the response is provided to the information provision requester, preferably the administrator system 100 or the user system 600, via a public telephone network or the Internet.

Here, the counselor PC is preferably implemented to match the call center or Internet call center according to a predetermined public telephone network. If implemented through an internet call center, it may be desirable to further include a predetermined icon on the home page or web page managed by the web server.

The management server 230 includes an authentication server 232 and an information providing server 234, and corresponding information according to an information providing request input via the ARS 210, the counselor PC 220, or the web server 250. After the authentication operation of the provision requester is performed, the requested information provision is performed.

In addition, the management server 230 receives the information according to the use of a specific subordinate card in connection with the credit card company system 300 or the banking system 400, request a query to the DB server 240, and is provided according to his response The information is provided to the credit card company system 300 or the bank system 400.

The DB server 240 is newly granted according to a member DB storing various IDs or passwords of administrators or users, a limit DB storing usage limit information for each issued subordinate card, and a transfer of an administrator's credit card or a third party. It includes a transfer matter DB for storing various transfer information, an additional deposit management DB, and a management history DB. When a request for various information is received from the management server 230, the corresponding DB is queried and the response is managed by the management server 230. To the side.

The web server 250 manages a predetermined home page and a plurality of web pages, and manages whether the information requestor is authenticated when a request such as usage information or affiliate information of a specific subordinate card is requested through the Internet. ) And provide the information requestor with information according to its response. Here, when operating the Internet call center, it is preferable to further include a predetermined icon for a call with the counselor on the home page or the web page.

The credit card company system interface 260 and the bank system interface 270 are interlocked with the plurality of credit card company systems 300 and the plurality of bank systems 400, respectively, to specify information provided from the management server 230. It provides the credit card company system 300 or a specific bank system 400, and provides information to the management server 230 according to the response.

3 is a view for explaining a credit card operating method according to an embodiment of the present invention.

1 to 3, first, the slave card operating system 200 receives a candidate for issuance of the slave card through a manager or the like of the manager system 100 in writing (step S110). At this time, the administrator consent of the subordinate card is mandatory, and options such as usage limits can be specified.

Subsequently, the subordinate card operating system 200 requests the issuance of the subordinate card to the first credit card company system 300 (step S115), and provides the issued subordinate card to the corresponding youth provided according to the response (step S120). , Step S125).

Subsequently, when there is an authorization request for a specific subordinate card according to the use of the subordinate card from the first credit card company system 300 (step S130), the subordinate card operating system 200 checks the authorization details of the subordinate card. It requests to the system 400 side (step S135), and notifies the 1st credit card company system 300 side of the authorization details provided according to the response (step S140, step S145).

Subsequently, the first credit card company system 300 receives and stores the payment result of the subordinate card (step S150), and requests the bank system 400 for the payment of the corresponding payment amount (step S155).

Subsequently, it is stored according to the deposit of the charge charged from the bank system 400, and the corresponding charge is provided to the first credit card company system 300 (step S165). The manager system 100 is notified (step S170).

Subsequently, the manager system 100 performs payment of the corresponding payment to the bank system 400 (step S175).

If there is a request such as usage information or affiliate information from the user or administrator system 100 (step S180-1, step S180-2), it is checked whether the corresponding user or administrator system is authenticated (step S185), When it is checked that the user or administrator has been authenticated, the usage information or the affiliated information is provided (steps S190-1 and S190-2).

In the above embodiment, an example of a prepaid payment function by an issuing manager or a third party's credit card has been described. In other words, the description was provided to provide the credit card company system with the authorization details of the use of the subordinate card based on the amount previously paid by the issuing administrator or a third party (ie, prepayment).

Meanwhile, another example of a prepaid payment function by an issuing manager or a third party's credit card may be implemented.

4 is a view for explaining a credit card operating method according to another embodiment of the present invention. In the following description, the same or corresponding elements will be denoted using the same or similar reference numerals as compared with FIG. 3.

1 to 2 and 4, first, the slave card operating system 200 receives a candidate for issuance of the slave card through a writing or the like from the manager of the manager system 100 (step S110). At this time, the administrator consent of the subordinate card is mandatory, and options such as usage limits can be specified.

Subsequently, the subordinate card operating system 200 requests the issuance of the subordinate card to the first credit card company system 300 (step S115), and provides the issued subordinate card to the corresponding youth provided according to the response (step S120). , Step S125).

Subsequently, when there is a request for transfer of the support amount through a method of filling out an ID, password, card number, etc. via the Internet or ARS from the issuing administrator side (step S210), the subordinate card operating system 200 side has a second credit card company. Request the support amount to the system side (step S215). Here, the issuing manager side may be an administrator who has actually requested issuance of the subordinate card or may be a third party who provides a predetermined amount of money to the user side possessing the subordinate card. Of course, the transfer of the support amount is preferably through a credit card held by a manager or a third party, and the subordinate card operating system serves as a kind of card merchant.

In addition, the support amount is preferably a predetermined amount set by the manager or a third party within the usage limits of a specific credit card held by the manager or a third party, and the second credit card company system is the first credit card. It may be the same as a credit card company system or may be different.

Subsequently, the subordinate card operating system 200 receives the support amount provided from the second credit card company system side according to the response of step S215 (step S220), and transfers the support amount to the payment account side associated with the subordinate card ( Step S225).

Subsequently, when there is an authorization request for a specific subordinate card according to the use of the subordinate card from the first credit card company system 300 (step S130), the subordinate card operating system 200 checks the authorization details of the subordinate card. It requests to the system 400 side (step S135), and notifies the 1st credit card company system 300 side of the authorization details provided according to the response (step S140, step S145).

Subsequently, the first credit card company system 300 receives and stores the payment result of the subordinate card (step S150), and requests the bank system 400 for the payment of the corresponding payment amount (step S155).

According to another embodiment of the present invention, the issuing manager or a third party accesses the subordinate card operating system side according to the present invention and inputs credit card information and ID using the Internet, ARS, etc. When you apply for the amount you want to apply, the subordinate card operating system explains how to cash it and deposit it into your account in advance.

As another embodiment of the present invention, a portion of the credit card held by the issuing administrator or a third party, that is, the amount of support, may be prepaid and used as an increase in the available limit of the subordinate card. As described above, according to the process of increasing the usable limit amount of the subordinate card, it is possible to variably increase the usable limit amount only for a specific period based on the option set by the issuing administrator.

This credit card prepaid payment function is not limited to the subordinate cards mentioned in the present invention, but may be applied to credit cards that are widely used at present. For example, a plurality of credit cards may be used to pay for a single item or service even when a particular item or service is not paid using a single credit card.

On the other hand, according to the credit card operating method and the system for performing the same according to an embodiment of the present invention, it can be performed through the debit function or postpay function by the issuance manager or a third party credit card, or prepaid / debit / postpay It can also be done through a combination of functions.

For example, in the case of a debit function, it may be implemented to perform payment according to the use of the subordinate card in an option set in advance by the issuing manager or a third party in association with an account of the issuing manager or a third party.

In addition, in the case of the postpaid function, it may be implemented to perform payment according to the use of the subordinate card through a method of later payment by the issuing manager or a third party.

In addition, in the case of a combination function, when the amount that can be paid through the debit function is insufficient, a post payment function may be introduced within a preset option set by an issuing administrator or a third party to implement payment according to the use of a subordinate card. .

The debit function, postpay function, combination function, and the like can be easily implemented by those skilled in the art through the above-described prepaid payment function, and thus a detailed description thereof will be omitted.

As described above, according to the subordinate card operating system according to the embodiment of the present invention, the subordinate card can be issued, and the prepaid money management, usage history or unused amount information, and related service information which are pre-deposited from another card are provided. It is possible to provide and manage usage information, and the like, and may be connected to the card company system in real time to pay the credit card company.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the invention as set forth in the claims below. It will be appreciated.

As described above, according to the present invention, it is possible to correctly induce the consumption habits of the teenagers by replacing the allowances paid in cash to the teenagers with predetermined credit cards, and efficiently with the increasing online payment and non-cash payments. You can get involved.

In addition, credit card companies issue credit cards to teens, who are potential customers, and provide various cash back services that can be linked according to the use of the cards. It can be used to maximize potential customer marketing efficiency.

Claims (15)

Issuing one or more subordinate cards to a user side according to a request of the issuing administrator; Inquiring the authorization details of the subordinate card when the authorization details request is requested according to the use of the issued subordinate card, and notifying the authorization details; Receiving the payment result information according to the notification of the approval details, claiming the payment amount, and storing the charge amount provided according to the response; And Paying the billed amount according to the billing request of the billed amount, and notifying the issuing manager of the usage history of the subordinate card; Credit card operating method comprising a. The method of claim 1, When a request for transfer to the subordinate card is requested by extracting a predetermined support amount from the credit card use limit amount held by the issuing manager or a third party, the support amount is cashed and settled in the settlement account of the subordinate card. The method of operating a credit card, characterized in that it further comprises the step of depositing in advance. The method of claim 1, If a certain amount of support is extracted from the limit of use of the credit card held by the issuing administrator or a third party, and there is a request to transfer to the subordinate card, the amount of the support is prepaid and the amount of the available limit is increased. Method of operating a credit card, characterized in that it further comprises the step of processing. The card of claim 1, wherein the subordinate card comprises: And at least one of a prepaid, debit, and postpaid payment by a credit card of the issuing manager or a third party. The card of claim 4, wherein the subordinate card comprises: And a payment function according to a predetermined usage limit set by the issuing administrator. The method of claim 1, wherein when there is a request for any one of usage information or affiliate information from the issuing administrator or user, it is checked whether the issuing administrator or user is legitimate. And providing any one of the information. The method of claim 1, wherein the issuing manager and the user, Credit card operating method characterized in that one of one, one-to-many, many-to-one. At least one subordinate card is issued to the user according to the issuance manager's request for issuing a subordinate card, and if there is an authorization confirmation request for the subordinate card as the subordinate card is used, the corresponding authorization is checked and the result is approved. And a subordinate card operating system provided to the requesting side. The system of claim 8, wherein the slave card operating system comprises: If the credit card issuance request via the PSTN, the credit card operating system further comprises an automatic answering system (ARS) for performing the credit card issuance processing. The system of claim 8, wherein the slave card operating system comprises: And a web server for performing a credit card issuing process when the credit card issuing request is via the Internet. The system of claim 9 or 10, wherein the slave card operating system comprises: Credit card operating system, characterized in that it further comprises a call center interoperating with at least one of the PSTN or the Internet. The method of claim 7, wherein the slave card, And at least one of a prepaid, debit, and postpaid payment by a credit card of the issuing manager or a third party. The system of claim 8, wherein the slave card operating system comprises: A credit card operating system, which operates separately from a credit card company system and a banking system. The system of claim 8, wherein the slave card operating system comprises: Credit card operating system characterized in that the subordinate operation of any one of the credit card company system or banking system. The method of claim 8, wherein the issuing manager and the user, Credit card operating system, characterized in that one of one, one-to-many, many-to-one.