KR20020094871A - Credit certificate management system and method thereof - Google Patents

Abstract

PURPOSE: A system and method for managing a credit exchange ticket is provided to enable a client to buy a wanted commodity or service by utilizing a credit exchange ticket through checking an inherent number and authenticating the client in a credit exchange ticket issuing company or any member store by registering the credit exchange ticket in a card having a payment right or a card having no payment right when the client requests a usage and a registration of the exchange ticket. CONSTITUTION: A credit exchange ticket managing system(100) includes a card company managing system(30) and an issuing company managing system(40). Two clients(10b,10a) are connected to the card company managing system(30) through a communication network(20). The client(10a) purchases a credit exchange ticket. The client(10b) receives the credit exchange ticket from the client(10a) and uses the client(10a). The client(10a) purchases a credit exchange ticket not only in a credit exchange ticket issuing company or a credit exchange ticket member store on an off-line but a member store on an on-line. The client(10b) connects to the card company managing system(30) through the communication network(20) and inputs information of the obtained credit exchange ticket in a client connection system(31). A credit exchange ticket authentication system(43) compares an inherent number of the credit exchange ticket with an inherent number in a credit exchange ticket database(49a). If the inherent number of the credit exchange ticket is identified with the information of the database, an approval message is transmitted to a credit exchange ticket authentication and collection system(33).

Description

CREDIT CERTIFICATE MANAGEMENT SYSTEM AND METHOD THEREOF}

The present invention relates to a credit card management system and method, wherein a customer having a credit card can use a credit card, a card having a payment function of a credit card company (or a member card company, an electronic money company, and a mobile carrier, etc.) when requesting registration. By registering on a credit card that does not have a payment function and registering a credit card, all merchants affiliated with a credit card issuer or credit card company can use the card or check the credit card's unique number and identity to confirm the amount of the credit card. In view of the above, the present invention relates to a credit management system and method implemented to facilitate the purchase of desired goods or services.

Generally, gift certificates are fixed-value bearer securities that can be exchanged for goods, and the goods handled by the issuer can be purchased within the amount stated in the recommendation. Vouchers include vouchers issued by a single company, such as department store vouchers and shoe store vouchers, that can be used only by the respective companies, and vouchers that can be freely used within various affiliated companies, such as book vouchers or cultural vouchers.

A quick look at the distribution process of the gift card shows that the gift card buyer purchases the gift card at a value equal to the face value of the gift card or at a slightly discounted price and presents it to others. The person who receives the gift voucher uses the gift voucher to exchange it for the item he wants.

On the other hand, the store that sells the product and received the gift certificate by presenting the gift certificate to the issuing company to receive the corresponding amount, the distribution process of the gift certificate is completed.

However, as mentioned above, the vouchers distributed as described above are insufficient in establishing a database for confirming the authenticity of theft or loss, which may occur in the distribution process of the vouchers, and thus there is a difficulty in verifying and verifying the authenticity. In addition, in the case of collecting the gift certificate settlement through the merchant, it takes several days for the merchant to receive approval after writing the request for the purchase of the gift certificate, and when the collection takes place, manual collection and error occur frequently, and a lot of manpower is required. There is a problem. In addition, the existing gift vouchers must be refunded in cash only if a certain amount is purchased, or otherwise, a method of paying a gift voucher corresponding to the remaining balance after purchasing the product is adopted. Assuming that the gift voucher held by the customer is an oral voucher, the customer is restricted from being able to use the voucher received only when purchasing shoes. Therefore, shoe vouchers can not be used outside of the shoe voucher merchant, so if the customer does not intend to buy shoes at the moment, there is a hassle to store and use until the next use.

Accordingly, the present invention is to solve this problem, the present invention is that the customer who owns a credit card, the payment function of the credit card company (or membership card company, electronic money company, mobile carrier, etc.) when using the credit card registration request Credit card, or credit card that does not have a payment function, and registers a credit card. If you are a merchant affiliated with a credit card issuer or a credit card company, you can use the card or simply verify the identity and identity of the credit card. It is an object of the present invention to provide a credit management system and method implemented to facilitate the purchase of desired goods or services in consideration of the amount of money.

1 is a block diagram showing a credit exchange management system according to a first embodiment of the present invention.

2 is a flowchart illustrating the procedure of the credit exchange management method according to the first embodiment of the present invention.

2A is a flowchart illustrating a credit exchange payment method performed in a credit exchange management system according to a first embodiment of the present invention.

3 is a block diagram showing a credit management system according to a second embodiment of the present invention.

4 is a flowchart illustrating a procedure of a credit exchange management method according to a second embodiment of the present invention.

5 is a block diagram showing a credit management system according to a third embodiment of the present invention.

6 is a flowchart illustrating the procedure of the method for managing a credit exchange right according to the third embodiment of the present invention.

7 is a block diagram showing a credit exchange management system according to a fourth embodiment of the present invention.

8 is a flowchart illustrating a procedure of a credit exchange management method according to a fourth embodiment of the present invention.

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

10a, 110a, 210a, 310a: customer (buyer)

10b, 110b, 210b, 310b: customer (user)

20, 120, 220, 320: communication network

100, 200, 300, 400: Credit Exchange Management System

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

1 is a block diagram showing the structure of a credit management system according to a first embodiment of the present invention. As shown in FIG. 1, the credit management system 100 according to the first embodiment of the present invention includes a card company management system 30 and an issuer management system 40. Two of the plurality of customers, for example, a customer (user: 10b) and a customer (purchaser: 10a) may be connected to the card company management system 30 through the communication network 20. The communication network 20 may be any kind of wired / wireless communication means, for example, wired / wireless internet, intranet, ARS, or the like. For convenience of explanation, it is assumed herein that the customer 10a is a subject who purchases a credit voucher, and the customer 10b is an object to which the customer 10a purchases and presents a credit voucher, that is, a person who actually uses the credit voucher. do. The customer 10a may not only purchase a credit voucher from an offline credit voucher or a credit voucher merchant, but may also purchase a credit voucher from an online merchant. Here, the availability of online purchase means that the credit voucher can be purchased through a wire / wireless internet service, a credit voucher that provides ARS services, or a credit voucher sales service of a merchant. In addition, the customer 10a who purchased the credit card may present the credit card purchased online to the customer 10b through e-mail or other communication means, and the credit card usage method is the same as the offline usage method.

The card company management system 30 is composed of a customer access system 31, a credit voucher authentication and accumulation system 33, a credit voucher payment system 35, and a billing system 37. The system 30 further includes a credit voucher DB 39a, a customer DB 39b, and a payment / billing DB 39c. The customer 10b who has acquired the credit exchange right from the customer 10a connects to the card company management system 30 through the communication network 20 and inputs the information of the credit exchange right acquired into the customer connection system 31. The credit voucher authentication and accumulation system 33 requests the issuer to approve the credit voucher by using the credit voucher information received from the customer access system 31, and receives an approval message from the issuer system 40. The information of the credit voucher acquired by the customer 10b is checked again through the credit voucher DB 39a and the customer DB 39b, and the face value of the credit voucher is accumulated on the credit card of the customer 10b.

Herein, the credit card is credited to the credit card, so that the credit card is not deposited in the bank account of the customer 10b. Instead, the credit card can be used as a payment amount when the credit card of the customer 10b is generated. it means. The credit voucher payment system 35 creates and manages an invoice for the credit voucher when the customer 10b who has credit voucher on his credit card uses the credit voucher through the card. For example, in the case of a credit card, assuming that the customer 10b pays the credit card payment amount that is to be paid this month and that the credit card earning amount is 500,000 won, the amount that the customer 10b actually pays. Is 500,000 won less 500,000 won credit credit. The settlement date of the credit voucher is determined according to the credit card settlement date of the customer 10b previously defined. The settlement method of the credit voucher will be described later in more detail. The billing system 37 is a system for billing the issuing company for the credit voucher used by a customer.

The credit exchange issuance company management system 40 is composed of a credit exchange right issuance system 41, a credit exchange right authentication system 43, a loss / theft management system 45, and a payment settlement system 47. In addition, the system 40 further includes a credit voucher DB 49a, a customer DB 49b, a lost / stolen information DB 49c, and a payment DB 49d including the unique number information of the credit voucher. The credit issuing system 41 issues a credit, manages all issuing information, and displays all issuance information of the credit, including the issue date and the unique number of the credit, and the information of the customers 10a and 10b, respectively. It is stored in the credit voucher DB 49a and the customer DB 49b. Credit exchange certificate system 43 compares the unique number of the credit card that has been approved for use in the credit card authentication system and credit system 33 of the card company management system 30 with the unique number in the credit card DB 47a, It is determined that the credit voucher is normally distributed and transmits an approval message to the credit voucher authentication and accumulation system 33. However, if the unique numbers do not match, it is determined that the credit voucher has not been normally distributed, and the authorization rejection message is sent to the credit voucher authentication and accumulation system 33. In addition, the credit voucher authentication system 43 notifies the loss / theft management system 45 to stop the use of the credit voucher.

Lost / Stolen Management System 45 is a system for managing the lost / stolen / illegal copy of the credit card. In the case of theft / lost of the credit card, the customer 10a, 10b registers the credit card in advance. Can prevent the illegal use of third parties, and compensation for damages to customers (10a, 10b) can be compensated through the compensation system for issuing new credits to customers (10a, 10b). have. If a customer 10a, 10b loses a credit, and a third party acquires it before registering, it may happen that the third party registers and uses the credit, but basically the credit is issued via the customer's card. Since the information of the customer who used the credit card, the date of use of the credit card, the place of use, etc. are all exposed, all the information is managed by the credit card company's computer network. The response may of course also provide the customer 10a, 10b with a reward. Thus, if such a system is known, even if a lost credit card is obtained, it will be less illegally used.

The payment settlement system 47 receives the credit card payment invoice from the billing system 37 of the card company management system 30, and pays the credit card, except the fee, to the card company in accordance with the agreement with the card company, thereby settlement of the credit card. To complete.

Hereinafter, a procedure of a credit exchange management method performed in the credit exchange management system according to the first embodiment of the present invention will be described in detail with reference to FIG. 2.

As shown in Fig. 2, in step S100, the customer connection system 31 receives credit exchange ticket information including personal information of the customer 10b and a unique number of the credit exchange ticket acquired by the customer from the customer 10b. The credit exchange authentication and earning system 33 is transferred to the credit exchange authentication and earning system 33, and the credit exchange certificate and earning system 33 stores the corresponding information in the credit exchange DB 39a and the customer DB 39b, respectively, and proceeds to step S110. do.

In step S110, the credit voucher authentication and accumulation system 33 is connected to the issuing company management system 40 through the communication network 20, the approval of the credit voucher entered by the customer in the credit voucher authentication system 43 Request and proceed to step S120. In step S120, the credit exchange certificate authentication system 41, which has received the request for approval of the credit card, compares the unique number of the requested credit card with the unique number in the credit card DB 49a, and proceeds to step S130. If it does not match, the lost / stolen management system 45 notifies this and ends the process. In step S130, the credit card authentication system 43 transmits a credit card authorization message to the credit card authentication system and credit system 33 of the card company management system 30, and proceeds to step S140. Receiving the credit card authorization message from the issuing company management system 40 credit exchange certificate authentication and accumulation system 33 accumulates the face value of the credit card on the credit card of the customer 10b in step S140, the customer (10b) ) Is notified through the customer access system 31 that the credit voucher has been accumulated, and proceeds to step S150. In step S150, when the customer 10b who has earned the credit voucher uses the credit voucher through the card, the credit voucher payment system 35 pays the customer 10b according to a pre-defined payment method. Create a bill, send a bill to the customer (10b) to request payment. At this time, the payment / billing DB (39c) stores the information such as the credit card usage amount, payment amount, and credit balance remaining of the customer 10b, and proceeds to step S160. Therefore, the customer 10b may later access the card company management system 30 to inquire his credit history. In step S160, the billing system 37 pays the bill of credit exchange used by the customer 10b to the billing system 47 of the issuer management system 40 based on the information of the billing / billing DB 39c. When the payment is requested, the payment system 47 of the issuing company system 40 pays the credit card company according to the rules previously negotiated with the credit card company, and terminates the payment according to the credit card usage fee.

As described above, according to the first embodiment of the present invention, the customer 10b can use the credit card by using the credit card by accumulating the face value of the credit card on his credit card. The payment method of the credit voucher used through the credit card of the customer 10b will be described in more detail with reference to the drawings.

FIG. 2A illustrates a detailed procedure of the payment of the credit exchange right of FIG. 2 (S150).

Referring to FIG. 2A, in step S151, the credit card payment system 35 of the card company management system 30 is limited to the customer 10b who has a credit card payment price to be paid after accumulating the credit card. When the credit card payment amount is greater than or equal to the credit exchange amount, comparing the credit card payment amount with the amount of the credit voucher accumulated by the customer 10b, the process proceeds to step S152, while the credit card payment amount is the credit voucher. If it is smaller than the amount, the process proceeds to step S153. In step S152, the credit voucher payment system 35 issues a card bill statement requesting the customer 10b to pay the remaining amount by subtracting the amount of the credit voucher from the payment price. On the other hand, in step S153, the credit card payment is processed as all the credit voucher amount, and the remaining balance of the credit voucher is credited back to the customer's 10b credit card so that it can be used again on the next payment date. . In addition, the credit card price to be settled by the customer 10b is all settled by the credit voucher, and a card bill statement informing the balance of the next available credit voucher is issued. Therefore, since the credit voucher according to the present invention can be used at any time regardless of place and goods as the accumulated amount, problems of limitations such as purchase goods, purchase place, balance processing, etc. that the customer 10b feels when using the existing gift certificate. Can be solved.

As can be seen from the foregoing, in one preferred embodiment of the present invention, if the customer used the credit card within a predetermined period of time after registration of the credit, the amount accumulated for the credit is charged when the credit card is charged. The credit card settlement date is determined by the customer's intention before and after registration of the credit voucher. For example, assuming that the credit card settlement date of the customer 10b is 27th of each month, it is assumed that the payment amount calculation period is different from the 5th month to the 4th of the same month depending on the card company. If the customer 10b accumulates the credit voucher, and the credit card is used within the above-mentioned period, the card company requests the customer 10b to pay the credit card use amount, and the amount of credit credit is credited. This is reflected in the bill. On the other hand, if there is no amount to pay after credit card credit, the amount of credit credits accumulated in the credit card account of the customer 10b is reflected when the next card sales occur.

In another embodiment of the present invention, even if the customer uses the credit card within a predetermined period after registration of the credit, the accumulated amount for the credit is not immediately reflected at the time of billing the credit card and is determined by the customer's choice. It may be implemented to be reflected in credit card billing after a period of time.

3 is a block diagram showing the structure of a credit management system according to a second embodiment of the present invention.

As shown in FIG. 3, the credit management system 200 according to the second embodiment of the present invention includes a bank management system 130 and an issuer management system 140. Two of the plurality of customers, for example, a customer (user: 110b) and a customer (buyer: 110a) may access the bank management system 130 through the communication network 120. The communication network 120 may be any kind of wired / wireless communication means, for example, wired / wireless internet, intranet, ARS, or the like. For convenience of explanation, it is assumed herein that the customer 110a is the subject who purchases the credit voucher, and the customer 110b is the object to which the customer 110a purchases and presents the credit voucher, that is, the person who actually uses the credit voucher. do.

The bank management system 130 is composed of a customer access system 131, a credit voucher authentication and accumulation system 133, a credit voucher payment system 135, and a billing system 137. The system 130 further includes a credit voucher DB 139a, a customer DB 139b, and a payment / billing DB 139c. The customer 110b having acquired the credit voucher from the customer 110a connects to the bank management system 130 via the communication network 120 and inputs the information of the credit voucher obtained to the customer access system 131. Credit exchange certificate and earning system 133, using the credit information received from the customer access system 131, requesting the approval of the credit voucher to the issuing company, and also receives an approval message from the issuing company system 140 The information of the credit voucher acquired by the customer 110b is checked again through the credit voucher DB 137a or the customer DB 137b, and the face value of the credit voucher is accumulated on the debit card of the customer 110b.

Here, the means to accumulate the credit voucher, given that the payment method of the debit card is immediately paid within the customer's account limit, the credit voucher is not deposited in cash in the bank account of the customer (110b), but the customer (110b) When the debit card sales occur, it means cash credits that can be used directly as payment. The method of earning a credit voucher on a debit card is the same as that of earning a credit voucher on a credit card in the first embodiment of the present invention. The credit voucher payment system 135 creates and manages the usage history of the credit voucher when the customer 110b who has credit voucher on his debit card uses the credit voucher through the card. For example, assuming that the customer 110b pays through the debit card, the payment amount is 150,000 won, and the amount of credits earned is 100,000 won, the amount actually paid through the debit card of the customer 110b is the credit card. It will be 50,000 won after deducting 100,000 won. The settlement method of the credit voucher will be described later in more detail. The billing system 135 is a system for billing the issuing company for the credit voucher used by the customer 110b.

Since the credit issuing company management system 140 is identical to the credit issuing company management system 40 shown in FIG. 1 except for the same reference numerals, description thereof will be omitted for convenience.

The billing system 147 receives a credit exchange bill payment invoice used by the customer 210b from the billing system 135 of the bank management system 130 and pays the bank excluding the fee according to an agreement with the bank. Thus, the settlement of the credit voucher is completed.

Hereinafter, a procedure of a credit exchange management method performed in a credit exchange management system according to a second embodiment of the present invention will be described in detail with reference to FIG. 4.

As shown in FIG. 4, in step S200, the customer access system 131 receives from the customer 110b credit card information including personal information of the customer 110b and a unique number of the credit card obtained by the customer. The credit exchange certificate and earning system 133, and the credit certificate and earning system 133 stores the corresponding information in the credit card DB (137a), and the customer DB (137b), respectively, and proceeds to step (S210). do.

In step S210, the credit card authentication and accumulation system 133 is connected to the issuing company management system 140 through the communication network 120, the approval of the credit card entered by the customer in the credit card authentication system 143 Request and proceed to step S220. In step S220, the credit exchange certificate authentication system 141 that has received the request for approval of the credit exchange ticket compares the unique number of the requested credit exchange ticket with the unique number in the credit exchange DB 149a, and proceeds to step S230. If it does not match, the lost / stolen management system 145 notifies this and ends the process. In step S230, the credit voucher authentication system 143 transmits the credit voucher authorization message to the credit voucher authentication and accumulation system 133 of the debit card management system 130, and proceeds to step S240. Receiving the credit card authorization message from the issuing company management system 140 credit exchange certificate authentication and earning system 133 in step (S240) accumulates the face value of the credit card on the debit card of the customer (110b), the customer 110b ) Is notified through the customer access system 131 that the credit voucher has been accumulated, and proceeds to step S250. In step S250, when the customer 110b who has earned the credit voucher uses the credit voucher through the debit card, the credit voucher payment system 135 according to the payment method previously defined in the debit card of the customer 110b. Allow payments to be made. At this time, the payment / billing DB (139c) stores the payment information, such as the credit card usage amount, payment amount, and credit balance remaining of the customer (110b), and proceeds to step (S260). Therefore, the customer 110b may later access the bank management system 130 to inquire his credit history. In step S260, the billing system 137 charges the credit voucher used by the customer 110b to the billing system 147 of the issuer management system 140 based on the information of the billing / billing DB 139c. When the payment request is made, the payment system 147 pays the credit voucher usage fee according to the rules previously negotiated with the bank, and terminates the payment according to the credit voucher usage price.

As described above, according to the second embodiment of the present invention, the customer 110b can use the credit card by using the debit card by accumulating the face value of the credit card on his debit card. The payment method of the credit voucher used through the debit card of the customer 110b is as follows. The credit card payment system 130 compares the payment amount that the customer 110b needs to pay through the debit card and the credit card amount that the customer 110b has accumulated, so that the debit card payment amount is greater than or equal to the credit card amount. In case of payment, only the remaining amount after deducting the amount of credit card is billed to the customer 110b. Otherwise, the payment amount is processed within the amount of credit card and the remaining amount is credited back to the customer's debit card. Make it available later. At this time, there is no credit card bill sent separately to the customer 110b due to the payment method of the debit card, and the usage history and balance of the credit voucher can be checked through the card receipt.

As described above, in the preferred embodiment of the present invention, it has been described by limiting the credit right after the credit is earned, but the present invention is not limited thereto and is reflected in the payment after a predetermined period by the customer's choice. It may be implemented to.

5 is a block diagram showing the structure of a credit management system according to a third embodiment of the present invention.

As shown in FIG. 5, the credit management system 300 according to the third embodiment of the present invention includes a card company management system 230 and an issuer management system 240. Two customers of the plurality of customers, for example, a customer (user: 210b) and a customer (purchaser: 210a) may access the card company management system 230 through the communication network 220. The communication network 220 may be any kind of wired / wireless communication means, for example, wired / wireless internet, intranet, ARS, or the like. For convenience of explanation, it is assumed herein that the customer 210a is the subject who purchases the credit voucher, and the customer 210b is the object to which the customer 210a purchases and presents the credit voucher, that is, the person who actually uses the credit voucher. do.

The card company management system 230 includes a customer access system 231, a credit card authentication and accumulation system 233, a point conversion system 235, and a billing system 237. The system 230 further includes a credit voucher DB 239a, a customer DB 239b, and a billing DB 239c. The customer 210b who has obtained the credit voucher from the customer 210a connects to the card company management system 230 via the communication network 220 and inputs the information of the credit voucher obtained to the customer access system 231. Credit exchange authentication and accumulation system 233, using the credit information received from the customer access system 231, requests the approval of the credit voucher to the issuing company, and also receives an approval message from the issuing company system 240 Reconfirm the information of the credit voucher acquired by the customer 210b through the credit voucher DB 239a or the customer DB 239b, and convert the face value of the credit voucher to the corresponding point score through the point conversion system 235. Earn on the membership card of the customer (210b).

Here, the means to accumulate a credit voucher on the membership card means to generate points corresponding to the face value of the credit voucher and to earn credit voucher points on the membership card. The customer 210b may use the credit voucher accumulated in the form of a point of membership card as cash anywhere in the membership card affiliate store. The credit voucher payment and billing system 237 pays the customer 210b according to a predetermined payment method when the customer 210b who has credit voucher on his or her membership card uses the credit voucher through the membership card. It is a system for requesting payment of a price, and for issuing companies to pay for the use of the credit voucher used by the customer 210b. At this time, all information related to the credit card payment is stored in the payment / billing DB (239c), when the customer (210b) wants to know his credit card usage history can be accessed at any time by accessing the member card company's management system.

Since the credit issuing company management system 240 is identical to the credit issuing company management systems 40 and 140 shown in FIGS. 1 and 3, except that the same reference numerals are different, the description thereof will be omitted for convenience.

The payment system 247 receives the credit card usage payment bill from the credit card payment and billing system 237 of the card company management system 230 and removes the fee according to a predetermined agreement with the card company 210b. The payment of the credit voucher is completed by paying the use of the credit voucher).

Hereinafter, a procedure of a credit exchange management method performed in a credit exchange management system according to a third embodiment of the present invention will be described in detail with reference to FIG. 6.

As shown in FIG. 6, in step S300, the customer access system 231 receives from the customer 210b credit card information including personal information of the customer 210b and a unique number of the credit card obtained by the customer. The credit exchange authentication and accumulation system 233 is transferred to the credit exchange authentication and accumulation system 233, and the credit exchange authentication and accumulation system 233 stores the corresponding information in the credit exchange DB 239a and the customer DB 239b, respectively, and proceeds to step S310. do.

In step S310, the credit voucher authentication and accumulation system 233 is connected to the issuer management system 240 through the communication network 220, the approval of the credit voucher entered by the customer in the credit voucher authentication system 243 Request and proceed to step S320. In step S320, the credit exchange certificate authentication system 241, which has received the request for approval of the credit card, compares the unique number of the requested credit card with the unique number in the credit card DB 249a, and proceeds to step S330. If it does not match, the loss / theft management system 245 notifies this and terminates the process. In step S330, the credit card authentication system 243 transmits a credit card authorization message to the credit card authentication system and credit system 233 of the card company management system 230, and proceeds to step S340. Receiving the credit card authorization message from the issuing company management system 240 credit card authentication and credit system 233 provides the amount information of the credit card approved in step (S340) to the point conversion system 235, point conversion The system 235 converts the provided credit voucher amount information into credit voucher points different from the points provided by the member card company, and transmits the credit voucher verification and accumulation system 233 again, and proceeds to step S350. In step S350, the credit voucher authentication and earning system 233 accumulates credit voucher points corresponding to the face value of the credit voucher on the membership card of the customer 10b, and the customer access system 231 to the customer 10b. Notify that the credit through the credit has been earned through, and proceeds to step (S360). In step S360, when the customer 210b uses the credit voucher through the membership card, the credit voucher payment and billing system 237 performs the credit voucher use price of the customer 210b according to a pre-defined payment method. The payment is made and the billing system 247 is also notified. At this time, the payment / billing DB (239c) stores all the information related to the credit card payment, and proceeds to step S370. In step S370, the payment settlement system 247 of the issuing company system 240 pays the use price excluding the fee to the card company in accordance with the rules previously agreed with the card company, and the credit exchange ticket processed in the payment DB 249d. Save the information, and finish the payment of the credit voucher.

As described above, since the credit card payment method using the membership card is not the same as the credit card payment method using the credit card and debit card described above, a description thereof will be omitted.

As described above, the present invention has been described only in the case where there is a separate management system for issuing and managing credit exchange rights and credit system for earning credits, but optionally card company or bank corresponding to the payment demand company If it is possible to replace the operation performed by the credit card issuer in the above, the above-described two systems can provide a credit management system and method that is integrated into one system.

In addition, the payment business between the payment demand company, such as the card company or the bank of the first, second and third embodiments of the present invention and the credit issuing company is limited to be performed every time the customer uses the credit, but the present invention is After receiving the request for payment for a certain period without limiting, it may be added and processed at one time.

7 is a block diagram showing the structure of a credit management system 400 according to a fourth embodiment of the present invention.

As shown in FIG. 7, the credit management system 400 according to the fourth embodiment of the present invention includes a merchant management system 330 and an issuer management system 340.

The affiliated store management system 330 receives the approval from the credit card authentication system 331 and the issuer system 340 requesting the issuing company system 340 to authenticate the credit card to be used by the customer 310b. The billing system 333, which pays for the expenses to be paid by the third party), and the billing system 335, which bills the issuer for the credit voucher used by the customer 310b. Since all matters such as registration of credit card and balance management are handled in the credit card issuer management system 340, there is no need to construct a separate system in the merchant system 330.

The issuer management system 340 is composed of a credit voucher issuing system 341, a credit voucher inz and registration system 343, a lost / stolen management system 345, and a payment settlement system 347. In addition, a credit voucher DB 349a for storing issuance information including a unique number of all credit vouchers issued, a customer DB 349b for storing the information of a buyer who purchases a credit voucher, and a customer 310b are authenticated. And the registration DB (349c) that stores the balance information, the amount of credit card information registered through the registration system 343, the customer information that registered the credit card, and the remaining balance after the credit card is used, When stolen, the lost / stolen information DB 349d stores credit information registered in the lost / stolen management system 345 by the customer 310a, 310b, and the billing system 335 of the merchant management system 330. It further comprises a payment DB (349e) for storing all information about the payment of the credit voucher use amount billed from. As in the case of the first, second, and third embodiments of the present invention, the issuing company management system 340 connects with the customer 310a and the customer 310b through the communication network 320. The communication network 320 includes all wired / wireless communication means.

Hereinafter, a procedure of a credit management method performed by the credit management system 400 according to the fourth embodiment of the present invention will be described with reference to FIG. 8.

As shown in FIG. 8, in step S400, the credit voucher authentication and registration system 345 acquires the personal information of the customer 310b and the credit acquired by the customer 310b from the customer 310b through the communication network 320. Receiving credit information and the like including the unique number of the exchange ticket, the flow proceeds to step S410. In step S410, the credit card authentication and earning system 355 compares the information of the credit card entered by the customer 310b with the credit card DB 349a and the customer DB 349b, and if it matches, step S420. If it does not match, the lost / theft management system 345 notifies this and the distribution of the credit voucher is terminated. In step S420, the credit voucher authentication and registration system 343 registers in the registration DB 449c the credit voucher which is confirmed to have been normally distributed after completing the authentication procedure. In the registration DB (349c) register the credit information and the password for security information and the customer 310b who registered the credit card, and when all procedures are completed, notify the customer 310b that the credit card was successfully registered, step Proceed to step S430. In step S430, the billing system 335 requests the payment of the credit voucher use price used by the customer 310b to the billing system 347 and proceeds to step S440. The billing system 347 pays the credit voucher usage fee excluding the fee according to an agreement with the payment demand company (for example, a credit voucher merchant) based on the billing history received from the billing system 335, and is processed. The credit voucher information is stored in the settlement DB 349e to terminate the settlement of the credit voucher.

As described above, according to the credit card management method according to the present invention, by simply registering the credit card with various cards or credit card issuing companies, it is possible not only to secure various age groups to use the credit card, but also to the card company affiliated stores. Alternatively, a credit card merchant can use a credit card anywhere, so it is possible to expand the scope of the credit card distribution.

While the invention has been described and illustrated through preferred embodiments, it will be apparent to those skilled in the art that various changes and modifications can be made therein without departing from the spirit and scope of the appended claims.

Therefore, according to the credit card management method according to the present invention, the face value of the credit card is credited to the customer's credit card, debit card, and membership card in the form of cash reserves to use the credit card through the card, or to the issuer After registering the credit card directly, the merchant can use the card only to approve the credit card so that the transaction can be made transparent by using the card, and the settlement of the credit system can be expanded. In addition, customers do not need to carry a separate credit card, and the card or pre-registration process can be used freely at any card merchant, thereby improving the convenience of using the credit card. This allows the credit card to be used after it has been authorized in the database of the credit card, thus avoiding the risk of theft, loss and illegal copying.

Claims (11)

In the credit exchange management system, Means for issuing and managing said credit voucher, and Connected to the issuing and managing means through a communication network, registering the credit at the request of the customer who acquired the credit, and using the customer's card by the customer in consideration of the amount of the registered credit, Means for claiming Credit exchange management system comprising a. The method of claim 1, The issue and management means, Means for database-managing the issuing information of the credit card and all information related to the credit card, Means for determining whether to approve the use of the credit voucher by comparing the information on the credit voucher requested by the customer with the credit voucher information previously stored in the database and the information about the customer; Means for discontinuing use of the credit voucher at the request of the customer upon loss / stolen of the voucher, and Means for performing a payment request for the registered credit voucher Credit exchange management system comprising a. The method according to claim 1 or 2, The registration and billing means, Means for managing all information related to the credit voucher by database; Means for crediting the face value of the credit card to the customer's card upon approval of the use of the credit card in the determining means, and Means for requesting payment of the credit voucher in consideration of the accumulated credit voucher amount when the customer uses the credit voucher through the card; Credit exchange management system comprising a. The method of claim 3, The credit card management system of the customer is one of a card having a payment function and a card without a payment function. 2. A credit control system according to claim 1, wherein said issuing and managing means and said registration means are integrated. In the credit exchange management method, A first step of registering the credit card at the request of the customer who has obtained the credit card, and crediting the amount of the registered credit card to the card of the customer; and A second process of claiming the use amount in consideration of the accumulated credit voucher amount when the card is used by the customer Credit exchange management method comprising a. The method of claim 6, The first process, A first step in which the customer who has acquired the credit voucher requests registration of the credit voucher, A second step of authorizing the use of the credit voucher requested by the customer, and A third step of crediting the face value of the credit voucher authorized in the second step to the customer's card; Credit exchange management method characterized in that it comprises a. The method of claim 6, The second process is A first step of comparing a credit card amount to be paid by the customer with an amount of the credit voucher credited to the customer's card; and In the first step, if the amount to be paid by the customer is larger than the accumulated amount, the customer is required to pay the difference, and if the amount is small, the customer pays the invoice or statement processed by the credit card and the remaining credit card. Second step to save money for future use Credit exchange management method characterized in that it comprises a. In the credit exchange management method, A first process of issuing and managing the credit exchange right, and A second process of registering the credit card at the request of the customer acquiring the credit card and claiming the amount of money in consideration of the amount of the registered credit card when the card of the customer is used by the customer; Credit exchange management method comprising a. The method of claim 9, The first process, Requesting registration of the credit voucher by the customer having obtained the credit voucher, Authorizing the use of the credit voucher requested by the customer, Registering the par value of the credit card approved in the second step in a database of the credit card issuing and managing means; Credit exchange management method comprising a. The method of claim 9, The second process, If the amount used by the customer is greater than the amount of the registered credit card, the customer is charged for the amount excluding the difference, and if the amount is smaller, the remaining difference is accumulated and used for later use. Credit exchange management method comprising a.