KR20030009736A - Payment method of the credit transaction contents by the internet and system thereof - Google Patents

Abstract

PURPOSE: A method and system for a credit transaction details payment is provided to activate a stable credit card transaction and plan a convenience by supplying an inquiry function for enabling the user to receive various information of a credit card with respect to one's transaction credit company, supplying various payment methods for enabling the user to use a credit card transaction details payment method effectively, and supplying various managing functions for enabling the user to realize a proper consumption in a credit card transaction. CONSTITUTION: A member selects a wanted payment requesting card out of possessing credit cards which used in a member registration process(S200), connects to a corresponding credit card company server, inquires and inputs a payment amount of money(S201), and tries a home banking connection to an account of one's transaction bank(S202). If the member is connected to the home banking service(S203), the member checks payment information(S204) and executes a payment using an account transfer(S205). The member selects a payment requesting approval or not from an Internet payment system server(S206). If the member approves a payment, the payment is performed promptly.

Description

Payment method of the credit transaction contents by the internet and system

The present invention is a system for paying credit history over the Internet, which provides a variety of new payment methods compared to various payment methods currently in place, and has a function to look up various information related to credit cards and various additional services. have.

In recent years, most adults under the age of most have a credit card and use the cash service or installment payments very freely.

In fact, it is a credit card rather than cash based on one's own credit, and it is true that there are many convenient functions such as cash service, which is a kind of credit loan, and credit installment payment for payment of a certain amount of goods.

But it's not as dangerous as it is convenient.

It is not uncommon for individuals who are credit card members to compare their credit history with their income and spend a lot of money on it, and most of them use it without thinking about the payment on the day of payment that comes back to the use of a reckless credit card. Because it is.

As a result, the risk of overdue payments and bad credit is increasing, and the trend is only increasing nowadays when the economy is unstable.

Most payment delinquents and bad creditors are unable to pay a portion of the amount charged at the time of the promised (contracted) payment when making payments based on their credit history, or at the time of payment for personal (credit card users). Occurs when payment is delayed due to

The amount charged will be charged to the individual (credit card user) by adding up the principal + fee + interest = amount to be billed. The individual (credit card user) must pay the amount correctly and continue to use the credit card or credit transaction. .

If the payment is not completed, the credit card company will apply to the individual (credit card user) to suspend the transaction (credit card of all credit card companies) and leave the computer in arrears. The longer the delinquency is, the higher the interest will be. It also leads to bad credit.

It's all due to unpaid payment methods and neglected credit card management (indiscriminate use of credit cards), which is why individuals with many credit transactions (credit card users) are giving up their payments and going to bad credit. .

Of course, there are many new payment methods such as revolving payment and revolving system, but there are still many inconveniences such as the payment method is difficult, difficult to apply, and difficulty due to manual application.

Accordingly, the present invention aims to improve these inconveniences, to provide various improved payment methods, and to minimize the burden on individuals (credit card users) at low interest rates, and to select a payment method from the list of payment methods provided by the invention. It is a method that collects the opinions of the payers as much as possible in making payments, such as allowing users to use their own payment methods.

In addition, it aims to provide advanced credit history payment methods and services, such as reducing the abuse of unreasonable credit transactions and managing individual funds by acting as a one-to-one manager to help consumers spend their money and calculate their households. There is this.

At present, a large number of users due to indiscriminate use of credit cards are in a state of overdue or bad credit, leading to a large loss not only to individuals but also to companies with credit card issuers.

Conventional management of the use of credit cards required individual and manual management according to the credit card companies with which individuals (credit card users) are trading.

This is because the information and services required for credit card management are not integrated and the method is passive, which has many disadvantages.

Conventional credit card transaction history payment system is too simple, but the method is limited and there is a lack of consideration for the individual (credit card user) who is a credit card user.

There are various improved payment methods introduced, but they are not only difficult to use, but also lacking the privilege system that only a few creditors can enjoy because they do not have a limited system for good customers. There was not enough to meet the needs of individuals (credit card users).

In the future, it would be desirable to use credit cards as a medium for making credit transactions so that management is convenient, payment methods are diversified and free, so that credit transactions can be made more active and funds can be smoothly rotated.

1 is a network connection structure of the Internet credit history billing system.

2 is an internal flowchart related to membership in an Internet credit history payment system.

3 is a block diagram illustrating the overall functionality of an internet credit history payment system.

FIG. 4 is a block diagram describing the inquiry function and its function shown in FIG. 3; FIG.

5 is a flow chart describing the payment system and method thereof shown in FIG.

6 is a flow chart describing the payment system and method thereof shown in FIG.

7 is a representative screen of the current Internet homepage of the present invention.

Accordingly, the present invention provides an inquiry function so that an individual (credit card user) is provided with various information of a credit card according to a credit card company that is trading, and can effectively use a credit card transaction history payment method. To reduce the indiscriminate credit card transactions of individuals (credit card users) by providing a variety of management functions to provide more systematic and appropriate consumption for individuals (credit card users) to conduct credit card transactions. The aim is to facilitate stable credit card transactions and to facilitate convenience for credit card transactions by individuals (credit card users).

Another object of the present invention is to provide a credit card information inquiry and payment and management services regardless of the place by performing all the above functions online using a PC.

In order to achieve the above object, the inquiry function according to the present invention, personal credit inquiry and credit rating score inquiry, credit history history inquiry, monthly payment bills inquiry, prepayment amount inquiry, balance check after payment, credit card institution in the transaction It provides inquiry function and provides basic payment system, silver payment system, gold payment system, and diamond payment system, which are the payment system in terms of payment method of credit card transaction history. Financial institution transaction content management system, real-time 1: 1 counseling services.

Hereinafter, with reference to the accompanying drawings will be described a preferred embodiment of the present invention.

1 is a diagram illustrating a network connection structure according to the present invention.

As shown in FIG. 1, the network connection structure according to the present invention is connected to an Internet payment system server 100, a credit card company server 200, a proxy payment institution server 300, and a customer (credit card user) computer. It is.

Here, the network means the Internet, which includes a LAN, WAN, PSTN, PSDN, cable TV network, and wireless communication network.

The customer's computer 400 accesses the Internet payment system server 100 and starts an application for membership, which is an essential element, and then goes through a login process which is a member authentication process of the Internet payment system server 100. In order to use the service of the Internet payment system server 100 in order to use the service, the customer must be issued a login ID and Password through the membership, as shown in FIG.

2 is a flowchart of membership registration, the customer is connected to the Internet payment system server 100 (S100) to determine whether the access (S101), and when the connection is made to apply for membership registration (S102). After S103), the personal credit inquiry 101 of FIG. 3 is connected to the personal credit inquiry 101 (S104).

Through this, an initial personal credit score evaluation (S105) is performed, and the score becomes a member's membership rating evaluation standard when the member uses the payment system service, which is determined and accumulated based on the use performance and reliability of the payment system service.

In the following procedure, the member inquires and registers the credit card company that the member is dealing with, which is connected to the credit card company server 200 through the member's personal information, inquires the contents thereof, and registers the contents in the Internet payment system server 100. Done.

Finally, the member is issued an ID and password from the Internet payment system server 100. This is for obtaining a service use right when the member reconnects to the Internet payment system server 100. The member of the Internet payment system server 100 This should be entered in the authentication process.

In order to use the service of the Internet payment system server 100, after the member finishes inputting ID and password, the member can use the service of the Internet payment system server 100. As shown in FIG. The service can be divided into inquiry function, payment system and management function.

First, as shown in FIG. 3, the function includes a personal credit inquiry 101, a personal credit score score inquiry 102, a personal credit transaction history inquiry 103, a monthly payment amount inquiry 104, and a line. It is divided into a payment amount inquiry 105, a balance inquiry 106 after payment, and a credit card institution inquiry 107 in transaction. Details will be described in FIG.

4 is a block diagram illustrating the inquiry function shown in FIG. 3.

The function is connected to the Internet payment system server 100 according to the network connection structure of FIG. 1 and the credit card company server 200 that is the issuer of the credit card possessed by the member registered at the time of membership registration. Is identified as normal or defective and is retrieved and reflected in real time.

The personal credit score score inquiry 102 accumulates the score according to the member's successful execution of a payment application service using the payment system service of the Internet payment system server 100, which evaluates the membership level of the Internet payment system server 100. It is a criterion, and is viewed and reflected in real time from the Internet payment system server 100.

The personal credit transaction details inquiry 103 is connected to the credit card company server 200 which is the issuer of the credit card held by the member registered when the member is registered, and the credit card transaction history used by the member is viewed and reflected in real time.

The monthly payment amount inquiry 104 reflects the payment amount incurred by the member using the credit card, and is the issuer of the credit card held by the member who was registered when the member registered as the personal credit transaction history inquiry 103. It is connected to the credit card company server 200 and is reflected in real time.

The pre-payable amount inquiry 105 is a service for searching the pre-payable amount according to the transaction details of the credit card being used by the member, the credit card company server 200 which is the issuer of the credit card possessed by the member who was registered when the member registered. ) Is viewed and reflected in real time.

After payment, the balance inquiry 106 registers the remaining payment balance when the member registers, except for the portion that the member uses the payment system service of the Internet payment system server 100 or through another channel (eg, direct transfer, etc.). It is connected to the credit card company server 200 that is the issuer of the credit card owned by the member, and is reflected in real time.

The personal credit card transaction institution inquiry 107 is connected to the Internet payment system server 100 to present a list of credit card companies that are the issuers of the credit cards owned by the members registered at the time of membership registration and to be connected with these institutions. Collect and provide new product information and beneficial related information from your credit card.

Second, as shown in FIG. 3, the payment system is divided into a basic payment system 108, a silver payment system 109, a gold payment system 110, and a diamond payment system 111. It will be described in FIG.

5 is a flow chart describing the basic payment system 108 of the payment system, a member selects a payment application card for payment among the credit cards possessed by a member registered at the time of membership registration (S200), and the credit card issuing party credit. After connecting to the card company server 200 and completing the payment amount inquiry and input (S201), the member tries to connect the home banking service to the account of the bank in which the transaction is made (S202).

When the home banking service and the connection confirmation (S203) is completed, the member goes through the payment information confirmation (S204) inputted above and then executes payment (S205) using a bank transfer.

After all processes are completed, the member selects whether or not to apply for payment (S206) from the Internet payment system server 100, and payment is completed as soon as the member approves the payment.

6 is divided into a silver payment system, a gold payment system, and a diamond payment system in a flowchart of a payment method proposed by the present invention.

The silver payment system 109 selects a payment application card for payment among the credit cards possessed by the member registered at the time of membership registration (S200) and connects to the credit card company server 200 which is the credit card issuer. After completing the inquiry and input (S201) it is to select a proxy payment financial institution to make a proxy payment for credit card payments (S600).

The selected financial institution will be billed on behalf of the credit card company payments entered by the member and receive a payment status confirmation (S300) from the member.

The member checks that the payment for the selected credit card has been paid, and uses the credit card to make a proxy payment (S301).

In other words, the financial institution selected by the member maintains the member's credit card transaction by making a proxy payment, and at the same time, the financial institution selected by the financial institution selected by the member's credit card withdraws the proxy payment amount. A credit card is a payment system that prevents payments from being suspended due to member's circumstances.

Upon completion of the above procedure, after receiving the detailed information of contract details (S601) from the Internet payment system server 100, the proxy payment contract contents input by the member and confirming whether the member applies for payment (S602) immediately after the contract approval process is performed. The service is terminated.

The gold payment system 110 selects a payment application card for payment among the credit cards possessed by the member registered at the time of membership registration (S200) and connects to the credit card company server 200 which is the credit card issuer. After the inquiry and input (S201) is completed, a proxy payment financial institution selection (S600) to make a proxy payment for credit card payments.

The selected financial institution will pay the bill entered by the member to the credit card company and receive the number of proxy payments (S400). Unlike the Silver payment system, the payment received by the financial institution from which the member applied for proxy payment is different. It means not paying immediately, but choosing to repay the number of payments.

In other words, it is a payment method to reduce the member's burden due to the member's inability to pay the credit card or due to the large amount of the payment.

After selecting the number of proxy payment (S400), the member selects the payment date of the payment received on behalf of the proxy (S401) and selects the payment method (S402). For example, the method of automatic transfer, credit card payment And many other methods.

Upon completion of the above procedure, after receiving the detailed information of contract details (S601) from the Internet payment system server 100, the proxy payment contract contents input by the member and confirming whether the member applies for payment (S602) immediately after the contract approval process is performed. The service is terminated.

The diamond payment system 110 selects a payment application card for payment among the credit cards possessed by the member registered at the time of membership registration (S200) and connects to the credit card company server 200 which is the credit card issuer. After completing the inquiry and input (S201) it is to select a proxy payment financial institution to make a proxy payment for credit card payments (S600).

The selected financial institution will pay the payment entered by the member to the credit card company and receive the number of proxy payments (S500). Unlike the Silver payment system, the payment received by the financial institution to which the member applied for proxy payment is different. It means not paying immediately, but choosing to repay the number of payments.

In other words, it is a payment method to reduce the member's burden due to the member's inability to pay the credit card or due to the large amount of the payment.

After selecting the number of proxy payments (S500), the member enters the monthly payment amount (S501) for the payments received on behalf of the proxy. Unlike the Gold payment system, the member does not repay a certain amount each month according to the number of payments. The payment is made freely within the number of payments entered.

In addition, the payment time is not fixed, but is a user defined payment method that allows payment to be made freely within the contract period according to the number of repayments.

The payment method selection (S402) is the same as the gold payment system, there are many methods such as direct debit, credit card payment.

Upon completion of the above procedure, after receiving the detailed information of contract details (S601) from the Internet payment system server 100, the proxy payment contract contents input by the member and confirming whether the member applies for payment (S602) immediately after the contract approval process is performed. The service is terminated.

As shown in FIG. 3, the management function is divided into a payment system using transaction history book 112, a credit card management system 113, a proxy payment agency financial institution management 114, and a real time 1: 1 counseling service.

Payment system use transaction history book 112 is a member of the payment system received through the Internet payment system server 100 and payment information using the payment system, such as payment method, payment system use number, transaction amount is output and retrieved.

The credit card management system 113 may report a problem such as loss or theft of a credit card possessed by a member to prevent a problem that may occur with a credit card in advance.

The financial institution transaction content management 114 manages the information of the financial institution in charge of the agency and the payment information generated through the proxy payment among the service contents of the payment system serviced by the member through the Internet payment system server 100. Allows the user to query and print the information.

Real-time 1: 1 counseling service 115 is a service for members to present questions and obtain answers to the payment system proposed by the present invention.

Although the preferred embodiments of the present invention have been described above, the present invention is not limited to these embodiments and may be implemented in various forms without departing from the gist of the present invention.

By activating personal credit and facilitating bank (financial institutional) funds, it is possible to reduce the damage caused by private banking and to minimize the burden of using the services of the present invention by using low bank (financial institutional) interest rates. It not only plays a role in reducing delinquency and credit defects in), but also facilitates the rotation of funds by individuals and financial institutions, which can generate many economic benefits.

Furthermore, based on mutual trust and trust, such as individuals and the financial sector, the fund can be rotated more smoothly, which can bring about many advantages.

Claims (2)

In the credit transaction history payment method using the Internet, An Internet payment system server, a credit card company server, a proxy payment institution server, and a customer computer connected to each other, and personal credit checks and personal credit score evaluations are performed at the time of membership registration through personal information of a member (customer); Registering the credit card possessed by the member in the internet payment system by connecting the Internet payment system server and the credit card company server through the personal information at the time of membership registration; In the payment system, members who are applied in the same way as the silver payment system, the gold payment system, and the diamond payment system select the credit card to be accepted on behalf of the credit card registered at the time of membership registration, and check and enter the payment amount of the credit card. Selecting a financial institution that will be in charge of post-substitution settlement; Selecting a financial institution to handle proxy payment, which is a payment method of the silver payment system in the payment system, and then performing a payment status checking procedure and paying the credit card price received through the credit card back to the financial institution; In the payment system, select the financial institution that will handle the proxy payment, which is the payment method of the Gold payment system, select the number of repayments for the proxy payment, and select the settlement date for the payment of the proxy payment to the financial institution and the payment for the proxy payment. Inputting a payment method for making a payment; In the payment system, select the financial institution that will handle the proxy payment, which is the payment method of the Diamond payment system, select the number of repayments for the proxy payment, and enter the monthly payment amount to pay the monthly payment by the user-defined amount. step; Method of payment of credit history using the Internet, characterized in that the user selects the date to settle the payment amount after the monthly payment amount and pay the price. In the credit transaction history payment system using the Internet, A server to which an Internet payment system server, a credit card company server, a proxy payment institution server, and a customer computer are connected, and personal credit inquiry and personal credit score evaluation are performed upon membership registration through personal information of a member (customer); A server that connects an Internet payment system server and a credit card company server through personally identifiable information to register a credit card held by the member in the Internet payment system when the user registers; In the payment system, members who are applied in the same way as the payment system of Silver, Gold, and Diamond, select the credit card to be accepted on behalf of the credit card registered at the time of membership registration, and check and enter the payment amount of the credit card. A server for selecting a financial institution that will be in charge of post-substitution settlement; A server that selects a financial institution to handle proxy payment, which is a payment method of a silver payment system in the payment system, and then checks the payment status and pays back the credit card received through the credit card to the financial institution; In the payment system, select the financial institution that will handle the proxy payment, which is the payment method of the Gold payment system, select the number of repayments for the proxy payment, and select the settlement date for the payment of the proxy payment to the financial institution and the payment for the proxy payment. A server for inputting a payment method; In the payment system, select the financial institution that will handle the proxy payment, which is the payment method of the Diamond payment system, select the number of repayments for the proxy payment, and enter the monthly payment amount to pay the monthly payment by the user-defined amount. Server; The system for billing payment history using the Internet, characterized in that consisting of a server that selects a date to settle a payment amount after the user enters a monthly payment amount and pays the bill.