KR20020021515A - Cyber credit card system - Google Patents

Cyber credit card system Download PDF

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Publication number
KR20020021515A
KR20020021515A KR1020000054251A KR20000054251A KR20020021515A KR 20020021515 A KR20020021515 A KR 20020021515A KR 1020000054251 A KR1020000054251 A KR 1020000054251A KR 20000054251 A KR20000054251 A KR 20000054251A KR 20020021515 A KR20020021515 A KR 20020021515A
Authority
KR
South Korea
Prior art keywords
credit card
cyber
goods
cyber credit
company
Prior art date
Application number
KR1020000054251A
Other languages
Korean (ko)
Inventor
김영덕
Original Assignee
김영덕
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 김영덕 filed Critical 김영덕
Priority to KR1020000054251A priority Critical patent/KR20020021515A/en
Publication of KR20020021515A publication Critical patent/KR20020021515A/en

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Abstract

The present invention relates to an electronic credit card system that can identify goods purchased on a website using the Internet, and to give gifts or children to purchase goods on the Internet by assigning a plurality of different IDs to one card. Accessing the cyber credit card company's web server using the web server, checking whether the member is a member or non-member on the cyber credit card company's web server, and if the member is the member of the cyber credit card company, the ID information to the child or another person using the cyber credit card of the parent The step of granting, the step of accessing the cyber credit card company's web server, the person who has been given another ID information from the parent's cyber credit card, accesses the web server of the cyber credit card company using the ID information as described above. Then contact a shopping mall affiliated with a cyber credit card company. And selecting the desired item after accessing the shopping mall, automatically accessing the cyber credit card company in the shopping mall, re-authenticating the item details, user ID, and password, and confirming the purchase of the item Sending the goods to the corresponding company for delivery of goods, receiving the personal information, sending the goods, sending the goods details and price back to the cyber credit card company, and the cyber credit card company receiving the goods And transmitting information on a purchase date and a purchase history of the article to a parent's ID by e-mail and a text message.

Description

Cyber Credit Card System

The present invention relates to an electronic credit card system, and more particularly, it is possible to identify an item purchased on a website using the Internet, and to give a gift or a child to purchase a product on the Internet by giving a number of different IDs with one card. To an electronic credit card system.

Nowadays, the e-commerce of generations who solve everything on websites is increasing rapidly.

As e-commerce is being activated as mentioned above, electronic money that can be paid on the Internet is not generalized, and minors are inconvenient to deposit money directly on the bank in order to purchase goods. It has a problem, but it is not only forced to pay a part of the fee due to bank transfer, but also has a problem that it takes a long time to pay for the goods.

Therefore, the present invention was created in view of the above-described conventional problems, the purpose of which is to check the goods to be purchased on the website using the Internet, by giving a number of different IDs, etc. with one card, gifts or children This is to provide a cyber credit card system that can purchase goods on the Internet.

1 is a view showing the overall configuration of the cyber credit card system of the present invention.

2 is a flowchart illustrating a state in which an ID is assigned using the cyber credit card system of the present invention.

3 is a flowchart showing the overall flow of the cyber credit card system of the present invention.

Description of the main parts of the drawing

2: personal terminal 9: cyber card credit web server

4: storage unit 6,8,10,12: Web server of the shopping mall company

In order to achieve the object of the present invention as described above, the cyber credit card system, using a personal terminal to access the cyber credit card company web server, the step of confirming whether the member or non-member on the cyber credit card company web server, In the case of the member of the cyber credit card company, the step of granting the ID information to the child or another person with the parent's cyber credit card, and the other person who is given another ID information from the cyber credit card of the parent to the web server of the cyber credit card company Accessing, accessing a cyber credit card company's web server using the ID information as described above, accessing a shopping mall affiliated with a cyber credit card company, and selecting the desired item after accessing the shopping mall Automatically connects to the cyber credit card company from the company details and user Re-authenticating the password, and confirming the purchase of the goods, and transmitting the personal information to the corresponding company for delivering the goods, and the corresponding company receiving the personal information delivers the goods, the item details and Sending the price back to the cyber credit card company, and the cyber credit card company sends a notification date and purchase history of the goods to the parent ID by mail and text message information about the item details and prices.

In addition, the system of the present invention, a personal terminal connection means, a cyber card credit company's web server guide means for accessing the Internet through the personal terminal connection means to receive an ID and membership authentication, and the web of the cyber card credit company Data storage means for storing personal ID information given to the server guide means, and web server advertisement of the shopping mall company connected to the shopping mall company of the goods through the means for the web server of the credit card credit card using the cyber card credit company's ID Means and a sending means for sending the details of the goods purchased at the time of purchase of the goods shown in the advertising means by text message or e-mail.

The cyber credit card system of the present invention configured as described above will be described in detail below with reference to the accompanying drawings.

1 is a view showing the overall configuration of the cyber credit card system of the present invention, Figure 2 is a flow chart showing a state to give an ID using the cyber credit card system of the present invention, Figure 3 is a cyber credit card of the present invention This is a flow chart showing the overall flow of the system.

The cyber credit card of the present invention allows the use of a cyber credit card owned by a parent so that an ID can be given to a plurality of users.

To the cyber credit card company's web server, a parent (usually a cardholder) enters a credit card number to open a trading account using a personal terminal access means (2), etc. Give an ID.

In order to grant an ID as described above, when the user accesses the homepage of the cyber credit card company by the access means 9 using a modem or the like (S1), a national language can be selected according to the user's language, thereby selecting a function that can be used worldwide. It proceeds to (S2).

When the user using the guide means 9 shown on the homepage of the cyber credit card company selects his / her native language, the advertisement is provided on the web servers 6, 8, 10, and 12 of the advertisement cooperative company on the homepage. Represents a shopping list that can be purchased to look at the advertising products provided (S3), and tells you what items are on the homepage.

In order to purchase a product, a user who recognizes a product displayed on the homepage must receive a membership certification for purchasing the product on the homepage. (S4)

If the member does not use the cyber credit card company in the member verification step, go to step S5 of the member registration step, enter the information according to the terms and conditions of the company, and receive the parent's ID (card holder) and use it after joining as a member. do.

If it is confirmed as a member as described above, the step is moved to the step (S6) that the user-specific categories appear to view the list of shopping malls tailored to the user.

The customized category may be set by selecting a list arrangement of shopping mall categories in the management window A2 of the parent ID.

For example, in the list of the shopping mall categories, the parents want to purchase a book suitable for a student's identity such as a book purchase, a music CD purchase, a pizza delivery, or the like when the children use a credit card ID. That is, the parent ID can be selected in advance from the list of shopping malls suitable for student status or other age groups in the "select shopping mall category and list arrangement" of the "Parent ID management window (A2)". Has the function to help the child ID to purchase efficiently.

In addition, when always accessing the homepage (S1), the advertisement list of the corresponding company is not always output regularly, it is a feature that can change the screen configuration in the way set by the parent ID. In other words, if the child's ID is a student, the parent ID has a shopping mall suitable for the student such as Kyobo Books, Jongro, etc. at the top of the homepage, and the removal of unnecessary shopping mall advertisement lists such as adult content advertisement lists from the screen "Parent ID management window (A2). ), The shopping mall list category and the list layout can be selected and removed so that the child ID can be efficiently purchased.

In the service selection step S7, the user selects a desired service. At this time, a user, that is, a user who uses the parent ID, may give an ID that can be used for the children. Just enjoy shopping. Otherwise, if you have the parent's ID and give the child's ID, go to step A of the parent ID management window and set the child's ID (A2), open (A3), delete (A4), set the limit amount (A4), The ID can be opened by moving the validity period (A6), the shopping mall category and the list placement selection (A7), and the parent's ID (A1-1) and the child's ID (A1-2). , (A1-3), (A1-4), etc. has a feature to check the transaction history of those granted.

The ID of the child given here can be given as a gift to a relative, lover, friend, etc. It is characterized by the ability to choose the gifts they want within the limit of the ID is granted.

In addition, the parent ID (A1-1) can query the limit amount related to the child ID (A1-2), (A1-3), (A1-4), etc. (A8)

In addition, in the service selection step S7, not only can go to the parent ID management window (A), but also the limit amount inquiry (S9), transaction history inquiry (S10) of the right as shown in FIG. ), The shopping cart (S12) and the like has a function to query the personal information of the connected ID (parent ID or child ID). In other words, the parent ID can also track their own transaction history (S10) and transaction tracking items (S11), the child ID can also track their own transaction history (S10) and trading goods parcel tracking (S11). .

In the case of the child ID, the limit amount is set, but in the case of the parent ID, the limit amount inquiry (S9) is not limited, and in the case of the child ID, the child ID can only shop within the limit amount set by the parent ID, so that the child ID has his / her limit amount. If you want to know about it, there is a form that can be inquired so that you can purchase goods that meet the price.

The shopping cart (S12) is "If you select the goods in the desired shopping item selection (S22) immediately the corresponding company to send the goods (S25) or it is difficult to purchase the goods immediately and if you want to buy compared to other companies, the data storage unit ( Put in the shopping cart (S12) of S23 and later select the shopping cart (S12) in the service selection (S7) to view the list in the shopping cart and select the product (S16) to press the "OK" button to go to S15 The purchase of goods is made by sending the product purchase information to the relevant company.

If there is no intention to purchase the corresponding article in the shopping cart (S12), select the corresponding article (S16) and press the "Delete" button to delete the list from the DB (S17).

The parent's ID is not limited to the limit amount and when the child's ID is assigned by the parent, the limit is set to the given ID, and go to step S8 by the limit amount to access the homepage of the selected mall. (S13)

In addition, in step S7, the user can directly move to step S16, where the user can directly select a product, as well as limit amount inquiry (S9), transaction history inquiry (S10), transaction item delivery tracking (S11), and shopping cart (S12). ), Etc. can be moved. Not only can you select the goods right here, you can repurchase the goods by deleting the data list (S17) of the goods put in the shopping cart to purchase the goods.

When the product is selected from the home page (S14), the process moves to step S15, and at the same time, data about the product is stored by the storage means of the data storage unit through step S23.

In step S15, the user confirms the purchase company code, product name, product details, etc. of the product purchased by the user, and when the verification process is completed, the user enters the password in the corresponding product purchase authentication procedure (S18). At this time, if the password is not correctly input, go to step S19 to pop up a message that the password is wrong to recognize the user, the same operation is repeatedly performed until the password is correct.

If the inputted password is correct as described above, the user moves out of step S18 to step S20 to check whether the amount of the purchased product is exceeded.

If the amount is exceeded in the step S20, after receiving a decision to purchase the product in excess of the amount through the step S21, the user moves to step S13 to guide the user to shop within the limit of the amount again.

If the limit amount is not exceeded in step S20, in step S22, the number, name, address, personal information, and product information of the credit card are transmitted to steps S23 and S25.

The information transmitted in step S23 is stored in the data storage unit S23, and then sent to a terminal having a parent ID or a child ID through a text message or an email (S24), and notifies what kind of product has been purchased.

In the case of purchasing a product with the child ID, the sending means of the present invention notifies the parent of the purchase status of the product by text message or e-mail, so as to know what kind of product has been purchased. Due to the acquisition of this information, not only the parent who has the parent ID can select the right to select the right product for the age of the person who uses the child ID. The propensity is also characterized.

In addition, the information moved to step S25 to send the goods from the corresponding company. At this time, if the company charges a fee for the goods of the credit card company (S23), the credit card company handles the payment cost for the goods.

After the goods are sent by the corresponding company in step S25, the home delivery number (S27) of the goods delivered to the user's home page so that the user can be notified by sending immediately notice.

Moving to step S28, the buyer checks the delivery number of the goods sent as described above, and confirms whether the purchased goods are correct.

If you want to go shopping again, go to the home page of step S13.

As described above, the purchase history of purchasing the goods is secondarily sent to the user at the end of the month in the purchase history by mail. (S31)

Therefore, according to the cyber credit card system of the present invention, the goods purchased on the website can be confirmed using the Internet, and a single card can be given a number of different IDs or the like so that a gift or a child can purchase various goods on the Internet. It works.

In addition, due to the problems of the conventional credit card, minors have to pay the amount of money for the goods purchased on the Internet directly to the bank in order to purchase the goods, and also bear the portion of the fee due to the transfer of the account. Not only that, there is an effect that can solve the problem that it takes a long time to pay for the goods.

In addition, the present invention can be prevented from leaking the member's information to the outside because the information on the member is held by the cyber credit card company, since only the purchase of goods in the affiliate site.

According to the present invention from the parents' point of view, everything is exposed to the Internet, the children do not know what kind of goods they buy and how to enjoy on the site is not able to shake the anxiety.

In this situation, the children can purchase the products on the desired site with the permission of the parents, and the parents can receive the list of the products they purchase by e-mail, so that they can have mutual trust with the parents and the children. It provides the conditions to break down, and has the effect of developing the ability to conduct economic consumption behavior from adolescence.

Claims (5)

  1. In the cyber credit card system,
    Accessing a cyber credit card company web server using a personal terminal;
    Checking whether the member is a member or a non-member on the cyber credit card company web server;
    If the member of the cyber credit card company, the step of giving the ID information to the child or another person with the cyber credit card of the parent,
    Accessing a web server of a cyber credit card company, which has been given another ID information from the cyber credit card of the parent,
    Accessing a cyber credit card company's web server using the ID information as described above, and accessing a shopping mall affiliated with the cyber credit card company;
    Re-authenticating the item details, user ID, and password by automatically accessing the cyber credit card company in the shopping mall after selecting the desired item after accessing the shopping mall;
    Transmitting the personal information to the corresponding company for delivering the goods after confirming the purchase of the goods;
    The company receiving the personal information delivers the goods, and sends the item details and prices back to the cyber credit card company;
    The cyber credit card company is a cyber credit card system comprising the step of notifying the details and prices of goods, such as purchase date and purchase details of the goods by sending an email and a text message to the parent ID.
  2. The cyber credit card system according to claim 1, wherein the ID information includes at least one of an amount of money and an expiration date of the ID.
  3. The cyber credit card system according to claim 1 or 2, wherein two or more IDs are assigned to the parent's cyber credit card.
  4. In the cyber credit card system,
    Connection means for personal terminals,
    Guide means for a web server of a cyber card credit company for accessing the Internet through the access means for the personal terminal and receiving ID and member authentication;
    Data storage means for storing personal ID information given to the web server guide means for the credit card credit card;
    It is provided with the advertising means for the shopping mall companies connected to the shopping mall company of the goods through the means for the web server of the cyber card credit company using the ID of the cyber card credit,
    The guide means for the web server is a cyber credit card system, characterized in that consisting of a sending means for transmitting the details of the goods purchased at the time of purchase in the advertising means to the parent ID or user ID.
  5. The cyber credit card system according to claim 1, wherein said sending means is an e-mail or a text message.
KR1020000054251A 2000-09-15 2000-09-15 Cyber credit card system KR20020021515A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
KR1020000054251A KR20020021515A (en) 2000-09-15 2000-09-15 Cyber credit card system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
KR1020000054251A KR20020021515A (en) 2000-09-15 2000-09-15 Cyber credit card system

Publications (1)

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KR20020021515A true KR20020021515A (en) 2002-03-21

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Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100834320B1 (en) * 2004-12-06 2008-06-02 김유정 System for Selling the Goods of Card Issuer
WO2011031419A2 (en) * 2009-08-28 2011-03-17 Visa International Service Association Contact alert system and method
WO2011028991A3 (en) * 2009-09-03 2011-07-14 Moggle Inc. System and method for virtual piggy bank
US8650621B2 (en) 2009-09-03 2014-02-11 Virtual Piggy, Inc. System and method for verifying the age of an internet user
US8762230B2 (en) 2011-11-02 2014-06-24 Virtual Piggy, Inc. System and method for virtual piggy bank wish-list
US8812395B2 (en) 2009-09-03 2014-08-19 Virtual Piggy, Inc. System and method for virtual piggybank
US9203845B2 (en) 2009-09-03 2015-12-01 Virtual Piggy, Inc. Parent match

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100834320B1 (en) * 2004-12-06 2008-06-02 김유정 System for Selling the Goods of Card Issuer
WO2011031419A2 (en) * 2009-08-28 2011-03-17 Visa International Service Association Contact alert system and method
WO2011031419A3 (en) * 2009-08-28 2011-06-03 Visa International Service Association Contact alert system and method
US10163109B2 (en) 2009-08-28 2018-12-25 Visa International Service Association Contact alert system and method
WO2011028991A3 (en) * 2009-09-03 2011-07-14 Moggle Inc. System and method for virtual piggy bank
US8650621B2 (en) 2009-09-03 2014-02-11 Virtual Piggy, Inc. System and method for verifying the age of an internet user
US8812395B2 (en) 2009-09-03 2014-08-19 Virtual Piggy, Inc. System and method for virtual piggybank
US9203845B2 (en) 2009-09-03 2015-12-01 Virtual Piggy, Inc. Parent match
US8762230B2 (en) 2011-11-02 2014-06-24 Virtual Piggy, Inc. System and method for virtual piggy bank wish-list

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