KR20030008771A - System for cash-back service provided using multi function card - Google Patents

Abstract

PURPOSE: A system for providing a cash-back service using a multi-card is provided to activate the cash-back and increase the buying desire of a user by providing the accumulation money of a constant ratio in the real-time if the user generates a credit transaction using a credit card. CONSTITUTION: A user terminal(100) includes a card reader for reading the multi-card(101), and a credit card program and an IC card program detecting various kinds of information of the credit card and updating the remainder information recorded in an IC card. A seller server(200) generates the credit transaction according to a buying intention requested from the user terminal(100). A credit card businessman server(400) approves the credit card. A service providing server(300) relays the credit transaction by the credit card and accumulates the accumulation money according to the constant ratio of the goods buying amount generated by the credit transaction.

Description

System for cash-back service provided using multi function card

The present invention relates to a system for providing a cache-back service using a composite card, and more particularly, a composite card (a credit card combined IC card or an IC chip built-in credit card) that can be used as a single card. When a consumer makes a credit transaction using a credit card, a cash-back using a composite card is provided to provide a cash-back service that charges an IC card in real time with a percentage of the transaction amount generated from the credit transaction. It relates to a service providing system.

In the conventional commerce, the currency used is limited to banknotes, coins, checks, etc., but the introduction of a new currency concept is required due to the inconvenience and the risk of theft.

In particular, with the introduction of the concept of electronic commerce, a new concept of payment method that has not been experienced in the real transaction has been required, and such a payment method has attracted attention an IC card incorporating a credit card and an IC chip.

Moreover, the recent introduction of a new multi-card concept that incorporates credit and IC card functions into a single card allows consumers to take advantage of a wider range of payment options.

On the other hand, a new concept of cash-back was introduced as part of promoting credit transactions and increasing corporate sales. Cash-back (cash-back) is when a user uses a payment method such as credit card or cash to generate a transaction, a certain percentage of the transaction amount incurred in the transaction is earned as points, the accumulated points are a certain point When the excess is exceeded, the transaction method returns cash to the user.

However, according to the conventional cache-back service, the following problem (s) occur.

That is, in the case of various banks and card-related companies and merchants that currently provide cash-back services, a certain percentage (for example, 0.5%) of the transaction amount is accumulated as points, and the accumulated points are fixed points (for example, In this case, the amount of the user's transaction is increased significantly in order for the accumulated points to exceed a certain point because the user returns the desired points in cash only when the amount exceeds 30,000 points. That is, in the case of an operator applying a cash-back service for returning cash when the point accumulation rate is 0.5% and exceeds 30,000 points, the user must use 6,000,000 won to receive 30,000 won in cash. This method requires a long transaction period and at the same time an excessive transaction amount, so that the user feels a burden and it is difficult for the user to feel a substantial benefit. Thus, the cache-back service is not activated.

Accordingly, the present invention is to solve such a problem (s), the object of the present invention is to provide the user with a certain amount of reserves in real time when the user generates a credit transaction using a credit card, so as to activate the cache-back An object of the present invention is to provide a cache-back service providing system using a composite card that increases a user's desire to purchase.

In order to achieve this object, the present invention proposes a composite card in which a credit card and an IC card are integrated into one card, and a technology for directly accumulating a certain percentage of the credit transaction amount of the credit card is provided in the IC card.

1 is an overall configuration diagram of a cache-back service providing system using a composite card according to the present invention;

2 is a flowchart illustrating a process of providing a cache-back service using a composite card according to an embodiment of the present invention.

3 is a flowchart illustrating a process of providing a cache-back service using a composite card according to an embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

100: user terminal device 101: composite card

200: seller server 300: service providing server

400: credit card provider server 500: Internet network

600: bank server

A feature of the present invention for achieving such an object (s) is a system for purchasing goods using a composite card in which a credit card and an IC card are integrated: a card reader for reading a composite card, A user terminal device provided with a credit card program and an IC card program for detecting various information of the card and updating the balance information recorded on the IC card; A seller server for generating a credit transaction according to a purchase intention requested from a user terminal device; A credit card provider server that accepts credit cards; A service providing server for relaying a credit transaction by a credit card and accumulating a reserve corresponding to a predetermined ratio of a purchase amount of a product generated by the credit transaction; When the user terminal device registered as a member accesses the seller server and logs in, the seller server displays a list of products available for sale on the user terminal device; When a purchase request for credit card information and any goods is received from the user terminal device, the seller server requests the credit card provider server to approve the credit card; If the credit card provider server approves the credit card, the service providing server pays the user a reserve of a predetermined percentage of the product purchase amount generated in the credit transaction; When the credit card settlement date arrives, the credit card provider server charges the user terminal device for the credit card usage fee; When the user terminal device pays the credit card usage fee, the credit card provider server pays a predetermined rate to the service providing server.

Meanwhile, another aspect of the present invention provides a system for purchasing a product using a composite card in which a credit card and an IC card are integrated: a seller server for generating a credit transaction in accordance with a purchase intention on-line requested from a user; ; A credit card provider server that accepts credit cards; A service providing server for relaying a credit transaction by a credit card and accumulating a reserve corresponding to a predetermined ratio of a purchase amount of a product generated by the credit transaction; When a purchase request for credit card information and a certain product is received from the compound card presented by the user, the seller server requests the credit card provider server to approve the credit card; If the credit card provider server approves the credit card, the service providing server pays the user a reserve of a predetermined percentage of the product purchase amount generated in the credit transaction; When the credit card settlement date arrives, the credit card provider server charges the user terminal device for the credit card usage fee; When the user terminal device pays the credit card usage fee, the credit card provider server pays a predetermined rate to the service providing server.

Here, the reserve can be charged to the IC card in the compound card or deposited into the user's bank account.

Hereinafter, exemplary embodiment (s) of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a block diagram of a system for providing a cache-back service using a composite card according to the present invention, and FIG. 2 is a flowchart illustrating a method for providing a cache-back service using a composite card according to an embodiment of the present invention. 3 is a flowchart illustrating a process of providing a cache-back service using a composite card according to an embodiment of the present invention.

Referring to Figure 1, the configuration of the present invention will be described.

The user terminal device 100, the seller server 200, the service providing server 300, and the credit card provider server 400 are configured to communicate with each other through the Internet network 500. In addition, the seller server 200 is provided with a credit card program and IC card program provided by the service providing server 300.

Here, the user terminal device 100 is connected to the card terminal for reading the composite card 101 integrated with the credit card and IC card, the credit card program and IC card program provided by the service providing server 300 is After being installed and registered as a member in the seller server 200, a product may be purchased from the seller server 200 using the composite card 101 having a credit card and an IC card embedded therein. In addition, the seller server 200 downloads a list of various products available for sale to the user terminal device 100 registered as a member and at the same time various information for ordering the products (credit card number, expiration date, shipping address, name, etc.) Download the input window to enter. In addition, the seller server 200 charges the IC card in the compound card 101 presented by the user with a certain percentage (for example, 1%) of the price of the product purchased by the user terminal device 100 by a credit transaction. .

In addition, the credit card service provider server 400 may be operated by a credit card service provider and a bank, and when the user terminal device 100 purchases a product from the seller server 200, use of the credit card in the composite card 101 may be performed. Approve if possible.

In addition, the service providing server 300 transmits an authorization request of the seller server 200 to the credit card provider server 400, and notifies the seller server 200 of the approval result from the credit card provider server 400, The purchase request from the user terminal device 100 is transmitted to the seller server 200 and the credit card service provider server 400, and at the same time, the final payment is settled in the IC card in the composite card 101 presented by the user.

In addition, the service providing server 300 and the bank server 600 is configured to be connected through each other online / offline, the bank server 600 services a certain percentage of the goods purchase price deposited from the credit card provider server 400 At the same time as the deposit of the provision server 300 and the user pays the cost of using the IC card in the composite card 101 as a deposit.

An operation of the present invention having such a configuration will be described below with reference to FIGS. 2 and 3.

<Embodiment of the Invention: Purchase of Goods through On-Line>

First, the user terminal device 100 must install a credit card program and an IC card program provided by the service providing server 300 (S101). Here, the credit card program performs operations related to various credit transactions, such as calculation of a reserve amount corresponding to a purchase amount generated by a credit transaction and a purchase amount generated by a credit transaction, and issuance of a receipt. In addition, the IC card program performs an operation related to updating of the charge amount recorded in the IC card (charging of the reserve money, etc.).

In addition, the user should be able to access the seller server 200 by using the user terminal device 100, and the user should be a member of the seller server 200 as a member (S102).

Subsequently, when the user terminal device 100 accesses and logs in to the seller server 200 (S103), the seller server 200 displays product information such as a list of various products available for sale and a price, and the like. Download and display (S104). Therefore, when the user checks the displayed product information and requests various kinds of payment information (for example, credit card number, expiration date, shipping address, name, etc.) to purchase an arbitrary product (S105), The seller server 200 requests the approval of the credit card inputted from the user terminal device 100 (S106).

When the authorization of the credit card is requested from the seller server 200, the request information is transmitted to the credit card provider server 400 through the service providing server 300 (S107), the credit card provider server 400 is a corresponding credit The credit card is approved using the information related to the card (S108).

The service providing server 300 transmits the approval result from the credit card provider server 400 to the seller server 200 and the terminal device 100 of the user, respectively (S109 and S110). Thus, when a confirmation signal for finally confirming the purchase of the product is transmitted from the user terminal device 100 (S111), the seller server 200 simultaneously transmits the purchase information of the product to the service providing server 300 (S112). In step S113, the IC card in the user's composite card 101 is charged with a certain ratio (for example, 1%) of the purchase amount generated by the credit transaction. Accordingly, the user terminal apparatus 100 charges a predetermined ratio (for example, 1%) of the purchase price to the IC card in the user's composite card 101 through the IC card program (S114).

Thereafter, when the credit card payment date arrives, the credit card provider server 400 charges the credit card use price to the user terminal device 100 (S115), whereby the user pays the credit card use price to the credit card service provider server 400 If the payment (S116), the credit card provider server 400 pays a predetermined ratio (for example, 1%) of the transaction amount to the service providing server 300 (S117), the service providing server 300 The amount deposited from the credit card operator server 400 is deposited in the linked bank server 600 (S118).

On the other hand, in the present invention, as in the above step (S114), it may be deposited directly to the user's trading bank according to the user's choice, without performing the step of charging the IC card a predetermined percentage of the transaction amount. In such a case, the service providing server 300 deposits a predetermined amount in the associated bank, and when the user selects a direct deposit, pays a deposit to the user using a deposit, and then the credit card provider server 400 later. It can also be configured to charge an amount equivalent to the reserve from the bank.

<Other Embodiments of the Invention: Purchase of Goods Off-Line>

First, the seller server 200 must install a credit card program and IC card program provided by the service providing server 300 (S201). Here, the credit card program performs operations related to various credit transactions, such as calculation of a reserve amount corresponding to a purchase amount generated by a credit transaction and a purchase amount generated by a credit transaction, and issuance of a receipt. In addition, the IC card program performs an operation related to updating the charge amount recorded on the IC card (charging of the reserve money, etc.).

Then, when the user visits the seller server 200 and requests the purchase of goods (S202), the seller server 200 inserts the composite card 101 presented by the user into a terminal device connected to the seller server 200. Acquire the card information, and transmits the obtained card information to the service providing server 300 to request the approval of the credit card in the composite card 101 (S203).

When the authorization of the credit card is requested from the seller server 200, the request information is transmitted to the credit card provider server 400 through the service providing server 300 (S204), the credit card provider server 400 is a corresponding credit The credit card is approved using the information related to the card (S205).

The service providing server 300 transmits the approval result from the credit card provider server 400 to the seller server 200 (S206). Accordingly, the seller server 200 displays the amount corresponding to a certain ratio (for example, 1%) of the credit transaction amount using the composite card 101 (S207), whereby the user charges the credit card in the IC card. When the request is made (S208), the seller server 200 transmits the purchase information of the product to the service providing server 300 (S209), and a predetermined ratio (for example, 1%) of the purchase amount generated by the credit transaction. To the IC card in the user's composite card 101 (S210).

After that, when the credit card payment date arrives, the credit card provider server 400 charges the user for using the credit card (S211), whereby the user pays the credit card using the credit card provider server 400 ( S212), the credit card provider server 400 pays a predetermined ratio (for example, 1%) of the transaction amount to the service providing server 300 (S213), and the service providing server 300 is a credit card provider server ( The amount deposited from 400 is deposited in the linked bank server 600 (S214).

On the other hand, in the present invention, as in the above step (S210), it may be deposited directly to the user's trading bank at the user's choice, without performing the step of charging the IC card a predetermined percentage of the transaction amount. In such a case, the service providing server 300 deposits a predetermined amount in the associated bank, and when the user selects a direct deposit, pays a deposit to the user using a deposit, and then the credit card provider server 400 later. It can also be configured to charge an amount equivalent to the reserve from the bank.

As described above, although the specific embodiment (s) have been described in the detailed description of the present invention, various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiment (s), but should be defined by the claims below and equivalents thereof.

As a result, according to the cache-back service providing system using a composite card according to the present invention the following advantage (s) occurs.

That is, when a user generates a credit transaction using a compound card, a certain percentage of reserves are charged to the user in real time on the IC card or deposited into the user's trading bank account, thereby increasing the activation of the cash-back and the user's desire to purchase.

Claims (4)

In a system where a product is purchased using a composite card in which a credit card and an IC card are integrated: A user terminal device including a card reader for reading the composite card, wherein a credit card program and an IC card program are installed to detect various types of information of the credit card and to update balance information recorded on the IC card; A seller server for generating a credit transaction according to a purchase intention requested from the user terminal device; A credit card operator server that accepts the credit card; And A service providing server for relaying a credit transaction by the credit card, and accumulating a reserve corresponding to a predetermined ratio of a purchase amount of a product generated by the credit transaction; When the user terminal device registered as a member logs in by accessing the seller server, the seller server displays a list of merchandise for sale on the user terminal device; When a purchase request for credit card information and a certain product is received from the user terminal device, the seller server requests the credit card provider server to approve the credit card; If the credit card provider server approves the credit card, the service providing server pays a user a reserve amount of the product purchase amount generated in the credit transaction; When the credit card settlement date arrives, the credit card service provider server charges the user terminal device for a credit card usage fee; And the credit card provider server pays the reserve at a predetermined rate to the service providing server when the user terminal device pays the credit card use price. In a system where a product is purchased using a composite card in which a credit card and an IC card are integrated: A seller server for generating a credit transaction in accordance with an off-line purchase intention requested from a user; A credit card operator server that accepts the credit card; And A service providing server for relaying a credit transaction by the credit card, and accumulating a reserve corresponding to a predetermined ratio of a purchase amount of a product generated by the credit transaction; When a purchase request for credit card information and a certain product is received from the compound card presented by the user, the seller server requests the credit card provider server to approve the credit card; If the credit card provider server approves the credit card, the service providing server pays a user a reserve amount of the product purchase amount generated in the credit transaction; When the credit card settlement date arrives, the credit card service provider server charges the user terminal device for a credit card usage fee; And the credit card provider server pays the reserve at a predetermined rate to the service providing server when the user terminal device pays the credit card use price. The method of claim 1 or claim 2, wherein the predetermined percentage of reserves, And the IC card in the composite card is charged. The method of claim 1 or claim 2, wherein the predetermined percentage of reserves, System for providing a cash-back service using a composite card characterized in that the deposit to the user's bank account.