KR200264166Y1 - System and method for providing financial service to repay after predetermined period in a credit card approval - Google Patents

Abstract

The present invention relates to a financial service providing system and method, and in particular, the loan service function of the financial institution by managing the loan service function provided by the financial institution and the partial repayment settlement service function for the purchase of goods provided by the credit card company by the credit card company. The present invention relates to a deferred repayment financial service providing system and method for providing a deferred temporary redemption or deferred partial redemption card payment service for a purchase price of a customer by a credit card company alone without using a credit card company.

According to the present invention, the card user can immediately purchase necessary goods and pay the goods in a lump sum or in installments after a predetermined period of time without spending any time for collateral or credit check. Various credit card financial services can be provided, and credit card companies can secure indirect loan services for the purchase price of goods by secured credit card users.

Description

System and method for providing repayment financial services in credit card payments {System and method for providing financial service to repay after predetermined period in a credit card approval}

The present invention relates to a financial service providing system and method, and in particular, the loan service function of the financial institution by managing the loan service function provided by the financial institution and the partial repayment settlement service function for the purchase of goods provided by the credit card company by the credit card company. The present invention relates to a deferred repayment financial service providing system and method for providing a deferred temporary redemption or deferred partial redemption card payment service for a purchase price of a customer by a credit card company alone without using a credit card company.

According to the conventional financial service method, when a customer purchases an item using a credit card, the buyer selects one payment method, such as a lump sum payment or a partial repayment method for a predetermined period of time, and then connects online through a card reader. If the requirements are met and the requirements are met by the credit card company, the transaction is approved, and the payment is made according to the payment method of the lump sum payment or the partial repayment method selected by the user.

However, when a commerce is executed using a credit card settlement according to the prior art, a system for providing a deferred temporary payment and a deferred partial payment card payment service has not been developed. There is a problem that can not satisfy the various payment method needs of the card customer because the service can not be provided by the repayment method.

In addition, in the case of purchasing a product with a fixed loan from a financial institution, in order to obtain a loan from a financial institution, credit and goods provided by the person or a third party must be provided as collateral, and the types and procedures of documents to be provided are There was a problem that it is complicated and takes a relatively long time.

The technical problem to be solved by the present invention is to solve the above-mentioned problems by integrating the lending service of the financial institution and the partial repayment service of the credit card company in the credit card company, without incurring the lending service of the financial institution to the payment of goods purchased by the customer immediately. The present invention provides a system and method for providing a deferred repayment financial service in a credit card settlement for providing a deferred temporary repayment or a deferred repayment card payment service.

1 is a configuration diagram of a deferred repayment financial service providing system in the credit card settlement according to the present invention.

FIG. 2 is a detailed configuration diagram of the card company server shown in FIG. 1.

3 is a flowchart of a method for providing a deferred repayment financial service in the credit card settlement according to the present invention.

In order to achieve the above technical problem, the card company server applied to the deferred repayment financial service providing system in the credit card settlement according to the present invention is a server device for providing the deferred repayment financial service in the credit card payment. Interpret the database for storing information, credit card transaction and payment information, affiliated merchant information, a communication module for exchanging necessary data with a terminal connected to the network, and the data received from the communication module. Therefore, the database is controlled to execute member authentication, credit card transaction approval, and payment process, and when the selected payment method is a deferred card payment method, payment of the card price is based on the card member's credit rating and card utilization information. Deferred, including deferred term, interest and fees Determining payment information and storing it in the database, and corresponding to the approval request, the deferred card payment approval information is transmitted to the terminal of the affiliated affiliate through the communication module, and deferred payment service for calculating the interest and fee according to the payment conditions And a control module for executing the process.

In order to achieve the above technical problem, a system for providing a deferred repayment financial service in a credit card settlement according to the present invention includes a card reader in a system for providing a deferred repayment financial service using a card company server through a network. Transmit user information and purchase payment information stored in a credit card read from a card reader to a card company server through the network, and analyze data received from merchant terminals and connected terminals for receiving response information from the card company server. In this case, the member authentication, credit card transaction approval, and payment process are executed according to the interpreted results.If the selected payment method is a deferred card payment method, payment of the card payment is made based on the card member's credit rating and card utilization information. Include period, interest, and fees The card company server for determining the deferred payment information stored in the database, and executes a series of deferred payment service process for transmitting the deferred card payment approval information to the terminal of the affiliated merchant through the communication module in response to the approval request. Characterized by including.

In order to achieve the above another technical problem, the method of providing a deferred repayment financial service in the credit card settlement according to the present invention is a method of providing a deferred repayment card payment service using a card company server through a network, which comprises: (a) a card merchant Transmitting the card approval approval request information including the card approval and payment method from the terminal to the card company server, (b) analyzing the transmitted information, and when the selected payment method is a deferred payment service method after user authentication, the card member Determining whether to approve the requested card payment method by using the credit rating and card utilization information of (c) accessing information for approving the card payment when the card payment is approved in the step (b). Transmitting to the terminal of the authorized card merchant and (d) approving the card corresponding to the deferred payment approval result Store the information, and characterized in that it therefore includes the step of running the card cash process executing the billing operation to the interest and fees on the approved stationary payment method.

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

As shown in FIG. 1, the system for providing deferred repayment financial services in credit card settlement according to the present invention includes a network 100, a card company server 110, a merchant terminal 120 including a card reader, and a user terminal ( 130).

The network 100 may use an internet communication network that connects computers worldwide through the web. In order to receive the Internet service, the user terminal 130 may use an Internet protocol (IP) using a point-to-point protocol, which is software for internet access. The address is assigned and the Internet service can be used through the World Wide Web browser. At this time, in order to receive the World Wide Web Service, a web browser such as Netscape Navigator and Microsoft Internet Explorer is started and connected to a server of a desired website to receive desired information. Of course, in case of using a dedicated line, the Internet service can be provided using the TCP / IP protocol instead of the point-to-point protocol (PPP). In addition, the network 100 may use a PSTN network.

The merchant terminal 120 transmits card information and payment information read from the connected card reader to the card company server 110 through the network 100, and receives card payment approval information from the card company server 110. .

The user terminal 130 may access the card company server 110 through the network 100 to inquire card payment information such as card transaction details, and in some cases, the card payment bill through an e-mail. You can also get.

As shown in FIG. 2, the card company server 110 includes a database 210, a control module 220, and a communication module 230.

The database 210 is composed of a member information database 210-1, a transaction information database 210-2, and a merchant information database 210-3 in detail, and a member information database 210-1. ) Stores the card member's personal information, credit rating information and card usage information, and the transaction information database 210-2 includes a general temporary or partial payment credit card payment and a deferred temporary payment or deferred payment card. Payment information is stored, and affiliated store information is stored in the affiliated store information database 210-3.

The control module 220 includes an authentication control module 220-1, a payment control module 220-2, and an interest rate calculation control module 220-3 in detail.

The authentication control module 220-1 uses programs stored in the member information database 210-1 to include programs for controlling the authentication of the credit card transaction and the authorization of the requested credit card transaction. It is.

The payment control module 220-2 includes programs for executing the payment process by the deferred temporary payment and the deferred partial payment method corresponding to the general payment method and the deferred payment method according to the selected card payment method.

The interest rate calculation control module 220-3 includes programs for calculating card payments by calculating interest and fees according to the selected deferred repayment condition.

The communication module 230 includes hardware and software for exchanging necessary data with terminals connected to the network 100.

The card company server 110 as described above organically redefines each component of the hardware / software and data constituting the database 210 and the control module 220 in a process of executing a fixed card payment service, and matches the characteristics of the card company. Can design freely.

Next, a method of providing a deferred repayment financial service at a card company using an online credit card will be described in detail with reference to the flowchart of FIG. 3.

When the user requests the purchase of goods at the card merchant, and applies for the card payment for the purchase price of the goods (S1), the merchant loads the card presented by the user in the card reader coupled to the merchant terminal 120, and the card information. After reading the merchant terminal 120 transmits to the card company server 110 through the network 100 to request the user authentication (S2). Then, the card company server 110 from the card information received by the communication module 230, the member information of the card number included in the card information stored in the member information database 210-1 by the authentication control module 220-1 After reading, and determining whether the transaction is a possible member, and transmits the authentication result information on the determined result to the affiliated store terminal 120 through the communication module 230 (S3).

After completing the card user authentication, if the card payment information including the card payment method and the payment amount in the merchant terminal 120 to the card company server 110 via the network 100 (S4), the card payment method is deferred In the case of the payment method, the card company server 110 reads the credit rating information and the card utilization information of the card number member stored in the member information database 210-1 by the payment control module 220-2, thereby resulting in poor credit. It is determined whether or not the deferred payment amount to be used exceeds the card usage, and transmits the information to approve the card payment to the affiliated store terminal 120 through the communication module 230 in the case where the card payment possible condition is applicable ( S5).

Then, the deferred card payment is completed and the merchant delivers the goods requested for purchase to the user, and the commerce by the deferred card payment is completed (S6).

After the card payment is approved, the card company pays the card purchase price excluding the fee to the card merchant who approved the card payment in a lump sum or in the following month (S7).

In addition, the card user pays the amount of the card payment to the card company after the contracted period when the card holder pays the card, and selects the card payment by the lump sum payment method.

Accordingly, when the card user pays the purchase price of the goods to the card, the card payment price can be paid in a lump sum after a certain period of time, or divided into repayment after a certain period of time, at the user's choice. .

As a result, it is possible to conveniently use a card financial service that repays a commodity price after a period of time using a credit card without receiving a complicated lending service of a financial institution when purchasing an item.

Interest rates and fees applied to the present invention can be set differently depending on the card company, and in some cases, may provide a deferred repayment card payment service with no interest.

The present invention can be implemented as a method, apparatus, system, or the like. When executed in software, the constituent means of the present invention are code segments that inevitably perform a necessary task. The program or code segments may be stored on a processor readable medium or transmitted by a computer data signal coupled with a carrier on a transmission medium or network. Processor readable media includes any medium that can store or transmit information. Examples of processor readable media include electronic circuits, semiconductor memory devices, ROMs, flash memories, E ² PROMs, floppy disks, optical disks, hard disks, optical fiber media, radio frequency (RF) networks, and the like. Computer data signals include any signal that can propagate over transmission media such as electronic network channels, optical fibers, air, electromagnetic fields, RF networks, and the like.

Specific embodiments shown in the accompanying drawings are to be understood only as an example of the present invention, and do not limit the scope of the present invention, and various technical scopes described in the present invention in the technical field to which the present invention belongs. As other changes may occur, it is obvious that the present invention is not limited to the specific configurations and arrangements shown or described.

As described above, according to the present invention, the lending service of the financial institution and the partial repayment service of the credit card company are integrated in the credit card company, without the occurrence of the lending service of the financial institution, and the deferred payment or deferred payment for the goods purchased by the customer immediately. By designing a card financial services system to provide an installment repayment service, the cardholder's perspective is to immediately purchase the necessary items, and after a certain period of time has passed without paying for collateral or credit checks. The payment can be made in one-time payments or in installments, resulting in various card financial services.In terms of credit card companies, the credit card user's credit can be used as an indirect loan service for the purchase price of goods. The effect is raised to increase.

Claims (6)

A server apparatus that provides deferred repayment financial services in credit card payment, A database storing credit card membership information, credit card transaction and payment information, and affiliated merchant information; A communication module for exchanging necessary data with a terminal connected to a network; And Interpret the data received from the communication module, control the database according to the interpreted result, execute the member authentication, credit card transaction approval and payment process, and if the selected payment method is a deferred card payment method Determine the deferred payment information including the deferred payment period, interest, and fee of the card payment on the basis of the credit rating and the card utilization information of the card, and store the deferred payment information on the deferred card payment in accordance with the request for approval. A card company server for providing a fixed card payment service, characterized in that it transmits to the terminal of the affiliated merchant through a communication module, and includes a control module for executing a fixed payment service process for calculating interest and fees according to the payment conditions. The method of claim 1, wherein the database is A member information database for storing card information, credit rating information, and card utilization information; A transaction information database for storing general credit card settlement and deferred payment or deferred payment; And Card company server providing a fixed card payment service, characterized in that it comprises a merchant information database for storing affiliated merchant information. The method of claim 1, wherein the control module An authentication control module for controlling the database to execute a received card member authentication and transaction approval process; A payment control module for controlling the database to control card payment to be executed by a selected general redemption method or a deferred payment and a deferred payment method; Card company server providing a fixed card payment service, characterized in that it comprises an interest rate calculation control module for calculating the card price by calculating the interest and fee according to the selected deferred redemption conditions. The method of claim 1, wherein the deferred card payment method includes a deferred one-time payment method and a deferred payment method, and the deferred one-time payment method pays the card payment and interest to a card company after a period in which the card payer is contracted. The card company server providing a deferred repayment financial service, characterized in that the payment method for splitting the card payment amount and the interest payment to the credit card company after the period of the card payment is a contracted payment. The method of claim 1, wherein the fixed payment service process (a) receiving the selected payment amount and payment method information after user authentication; (b) if the payment method information received in the step (a) is deferred payment transaction information, it is determined whether the credit card information and the card utilization information of the card member stored in the database are included in the transaction range. Transmitting the authorization information corresponding to the determination result to the terminal of the connected card affiliate store; And (c) controlling the database according to the result of the deferred payment approval, storing the approved transaction information, and executing the card financial settlement according to the approved deferred payment method. The card company server providing. In the system for providing deferred repayment financial services using a card company server through a network, An affiliated store terminal including a card reader, transmitting user information and purchase payment information stored in a credit card read from the card reader to a card company server through the network, and receiving response information from the card company server; And It analyzes the data received from the connected terminals, executes the member authentication, credit card transaction approval and payment process according to the analyzed result, and uses the credit card and credit card of the card member when the selected payment method is a deferred card payment method. Based on the information, determine the deferred payment information including the deferred period, interest, and fee of the card payment, and store in the database, and corresponding deferred card payment approval information through the communication module in accordance with the authorization request A credit repayment financial service providing system for credit card payment, comprising: a card company server for executing a series of deferred payment service processes transmitted to an affiliated store's terminal.