KR20030045232A - Device and method for settling price using transfer card - Google Patents

Abstract

PURPOSE: A device and a method for settling price using a transfer card are provided to enable a transfer card user to settle the use price with the transfer settlement by previously setting a constant price of a credit card held by a parent to the transfer card. CONSTITUTION: The mobile communication terminal(100) stores the personal information and the transfer limit information, and outputs the data according to the card use. A barcode reader(200) outputs the information according to the article purchase by reading the barcode displayed on the terminal(100). A personal communication tool(300) outputs the data in order to enable the card user to buy the article by inputting a card number and a password. A price transfer settler communication tool(400) sets the constant price and outputs the corresponding data in order to enable the card user to buy the article. A web server(800) outputs a control signal by receiving the data outputted from the terminal(100), the personal communication tool(300), and the price transfer settler communication tool(400), and the control signal outputted from a financial settlement system(700).

Description

Payment device and method using a replacement card {DEVICE AND METHOD FOR SETTLING PRICE USING TRANSFER CARD}

The present invention relates to a payment device and method using a replacement card, in particular, a minor or credit of a certain amount of the limit of the credit card possessed by a guardian of a user who does not issue a credit card or a person who replaces the payment Payment by using a replacement card that facilitates the use of credit cards by users who do not have a credit card by paying a replacement card that is linked to the credit card for payment by a user who has a limited use of the card. It relates to a payment device and a method.

In recent years, as the use of credit cards has become more common and universal, certain requirements for credit card issuance have been increasing, as the use of credit cards is increasing due to the use of credit cards to purchase goods or provide various services at all ages. Not only did they have to suffer a lot of inconvenience, but also could not benefit from the various benefits of using credit cards.

In other words, the age of not receiving credit card, for example, young people under 18 years of age or students who are not able to pay for using credit card or beginners in society cannot get a credit card. Not only was it inconvenient, but it was forced to be alienated from the various benefits of using a credit card.

In addition, when a minor who does not have a credit card or a guardian of a credit card user who has low payment ability after using a credit card grants a juvenile or the like permission to use a credit card owned by a minor, There was a problem that economic losses may occur due to the use of a credit card.

Therefore, the present invention is to solve the above-mentioned conventional problems, the object of the present invention is to replace a certain amount of credit card possessed by a person who will replace the guardian of the user who does not issue a credit card or payment By pre-setting to (a card that can be paid within a predetermined limit linked to a previously issued credit card), the replacement card user can use the postpaid or prepaid alternative payment.

Accordingly, the present invention provides a payment device and method using a replacement card that minimizes the economic loss caused by the indiscriminate use of a young card or a newcomer who is difficult to issue a credit card, and prevents various problems caused by the use of a credit card by a young person. There is.

In order to achieve the above object, the payment device using the replacement card of the present invention, while storing in advance the personal information and the limit information of the card user, and outputs the data according to the use of the card,

A card reader for reading data output from the replacement card and outputting information according to the purchase of goods;

Personal communication means for outputting the data corresponding to the card user to purchase the goods by entering the card number and password, while receiving the data according to the use of the replacement card by e-mail to display the card user for viewing and,

A bill payment communication means for setting a predetermined amount of money so that the card user can purchase the goods using a card number and a password through a replacement card or a personal communication means, and then output corresponding data;

A card company server which receives data output from the payment settlement communication means and outputs the payment limit information according to the purchase of goods through the replacement card or the personal communication means;

An e-commerce site server that receives the data output from the personal communication means and provides information corresponding to the purchase of the goods of the card user and outputs corresponding goods purchase information;

Receives the purchase information from the card reader or the e-commerce site server and processes the credit result according to the use of the replacement card, while the purchase price information and the replacement limit information output from the card company server And the financial settlement system for outputting a control signal corresponding to the comparison,

A web server which receives data output from the card reader, personal communication means, and payment settlement communication means and control signals output from the financial settlement system and outputs corresponding control signals;

A member database server which receives the control signal output from the web server and stores the personal information of the card user and the bill payer and the authentication information according to the use of the replacement card, and outputs a corresponding control signal;

Receiving a control signal output from the member database server is characterized in that the mail server for outputting the electronic mail through the personal communication means to view the goods purchase information according to the use of the replacement card of the card user.

On the other hand, the payment method using the replacement card of the present invention comprises the step of determining whether to purchase the goods using the replacement card to determine whether the card user purchased the goods using the replacement card in the financial settlement system;

When the card user purchases the goods using the replacement card in the step of determining whether to purchase the goods using the replacement card, the financial settlement system receives the payment replacement limit information output from the card company server and compares the goods with the purchase price information to purchase the goods. A first purchase price ≤ judging whether the price is limited or not, which determines whether the price is less than or equal to the price limit;

If the price of the purchase of the goods in the first purchase price ≤ judgment of whether to replace the payment limit is less than or equal to the payment limit, the financial settlement system authenticates the credit result of the card user, and receives a corresponding control signal Outputting a first authentication and control signal;

A first control signal output step of receiving a control signal from the financial settlement system and outputting a control signal corresponding to the web server; and

The member database server receives the control signal output from the web server, characterized in that the personal information and the goods purchase information storage step of storing the personal information and goods purchase information according to the use of the replacement card of the card user.

1 is a block diagram showing a payment device using a replacement card according to an embodiment of the present invention,

2 is a flowchart illustrating a payment method using a substitute card according to an embodiment of the present invention.

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

100: replacement card 200: card reader

300: personal communication means 400: alternative payment payer communication means

500: card company server 600: e-commerce site server

700: financial settlement system 800: web server

900: member database server 1000: mail server

Hereinafter, with reference to the accompanying drawings, the payment device and method for using the alternative card of the present invention according to an embodiment of the present invention will be described in detail.

1 is a block diagram showing a payment device using a replacement card, Figure 2 is a flow chart showing a payment method using a replacement card.

The present invention, as shown in Figure 1, the alternative card 100, card reader 200, personal communication means 300, payment settlement communication means 400, card company server 500, e-commerce site server 600, the financial settlement system 700, the web server 800, the member database server 900 and the mail server 1000, the replacement card 100 is a card user's personal information and replacement limit information It stores in advance and outputs data according to card use.

In addition, the card reader 200 serves to read the data output from the replacement card 100 to output information according to the purchase of goods, and in the personal communication means 300, the card user has a card number and a password. While outputting the data corresponding to the purchase of goods by inputting the input, and serves to display the data to the card user to receive the data according to the use of the replacement card 100 by e-mail.

In addition, in the payment settlement means communication means 400, after setting a predetermined amount so that the card user can purchase the goods by using the card number and password through the replacement card 100 or the personal communication means (300) It outputs the corresponding data.

Subsequently, the card company server 500 receives the data outputted from the bill payer communication means 400 to receive the billing limit information according to the purchase of goods through the substitute card 100 or the personal communication means 300. It plays a role of outputting.

In addition, the e-commerce site server 600 receives the data output from the personal communication means 300 to provide information according to the purchase of the goods of the card user and at the same time outputs the corresponding goods purchase information.

In addition, the financial settlement system 700 receives the goods purchase information output from the card reader 200 or the e-commerce site server 600 to process the credit result according to the use of the replacement card 100, the replacement After comparing the purchase price information of goods used according to the use of the card 100 and the information on the price substitution limit output from the card company server 500, it serves to output a control signal corresponding thereto.

On the other hand, in the web server 800, the data output from the card reader 200, the personal communication means 300, and the bill payer communication means 400 and the control signal output from the financial settlement system 700 It receives the input and outputs the corresponding control signal.

In addition, the member database server 900 receives the control signal output from the web server 800 and stores the personal information of the card user and the bill payer and the authentication information according to the use of the replacement card 100, It outputs a corresponding control signal.

In addition, the mail server 1000 receives the control signal output from the member database server 900 and the personal communication means 300 to view the goods purchase information according to the use of the replacement card 100 of the card user It serves as an output via email.

Hereinafter, an operation process of the payment device using the replacement card configured as described above will be described.

When a user purchases an item using a replacement card 100 possessed by a card user, the card reader 200 reads the personal information and the replacement limit information stored in the replacement card 100 to obtain information according to the item purchase. Output

Then, the financial settlement system 700 receives the goods purchase information output from the card reader 200, processes and authenticates the credit result according to the use of the replacement card 100, and outputs a control signal corresponding thereto. In this case, the card company server 500 outputs the information on the price substitution limit to the financial settlement system 700 so that the card user can process the price according to the purchase of goods using the replacement card 100.

In addition, the bill payer communication means 400 in the financial settlement system 700 as described above, so that the card user can receive the payment limit information from the card company server 500 using the substitute card 100 goods After setting a predetermined amount so as to purchase a corresponding data is output to the card company server 500.

That is, a predetermined amount of a credit card possessed by a guardian or a substitute biller is preset in the replacement card 100 so that a young person, a college / graduate student, or a social student who cannot receive a credit card can use the credit card smoothly. Afterwards, the purchase price of the goods can be paid as much as the preset amount from the guardian's credit card limit.

In addition, as described above, if a card user does not use the replacement card 100 and attempts to purchase an item after accessing the card number and password to an e-commerce site through a personal communication means 300 possessed by the card user. The personal communication means 300 outputs data corresponding to the card user so as to purchase a product by inputting a card number and a password.

Then, the e-commerce site server 600 receives the data output from the personal communication means 300, provides information according to the purchase of the goods of the card user and at the same time outputs the goods purchase information, the financial settlement system 700 In order to receive the goods purchase information output from the e-commerce site server 600 to process the credit result according to the use of the card number and password to authenticate and output a control signal corresponding thereto.

In this case, in the same way as the purchase of goods using the replacement card 100, the financial settlement system 700 provides the cardholder server 500 with the information on the payment limit information output from the payment settlement party communication means 400. Receives the input through the card user's personal communication means 300 to authenticate the goods purchase credit results.

In addition, the web server 800 inputs the data output from the card reader 200, the personal communication means 300, and the bill payer communication means 400 and the control signal output from the financial settlement system 700. Receives and outputs a control signal corresponding thereto, the member database server 900 receives the control signal output from the web server 800, the authentication of the personal information of the card user and the bill payer and the use of the replacement card 100 While storing the information, the corresponding control signal is output.

Then, for example, when the card user purchases an item using the replacement card 100, the short message server receives a control signal output from the member database server 900 and the card user receives the replacement card 100. In order to know the purchase information of the goods purchased by using a), the corresponding text information is output through a mobile communication terminal (not shown) possessed by the card user through a mobile communication system (not shown).

In addition, when the card user purchases the goods using the card number and password through the personal communication means 300, the mail server 1000 receives the control signal output from the member database server 900, the card user Is output to the electronic mail through the personal communication means 300 so that you can see the goods purchase information purchased goods through the personal communication means (300).

On the other hand, when the payment method using a replacement card as described in more detail as shown in Figure 2, in the financial settlement system 700 determines whether the card user purchased the goods using the replacement card 100 In operation S100, when the user of the card purchases the item using the replacement card 100 in the purchase of the replacement card using item, the financial settlement system 700 outputs from the card company server 500. It is determined whether the purchase price of the goods is less than or equal to the payment limit by comparing the purchase price payment information with the purchase price information (S200).

At this time, if the price of the purchase of the goods in the first purchase price ≤ price substitution limit (S200) is less than or equal to the payment replacement limit, the financial settlement system 700 authenticates the credit result of the card user On the other hand, the control signal corresponding to the output (S300).

Then, the web server 800 receives a control signal from the financial settlement system 700 and outputs a control signal corresponding thereto (S400), and the member database server 900 outputs the control signal from the web server 800. The received control signal is stored in the personal information and goods purchase information according to the use of the replacement card 100 of the card user (S500).

At this time, if the card user wants to know the goods purchase information through a mobile communication terminal (not shown) possessed by the card user, the single-character message not showing the control signal output from the member database server 900. It receives the input from the server and outputs the goods purchase information as text information through the mobile communication system.

On the other hand, if the card user does not purchase the goods using the replacement card 100 in the step of determining whether to purchase the goods using the replacement card (S100), the card user in the financial settlement system 700 the personal communication means 300 It is determined whether or not the product was purchased using the card number and the password through (S110).

Then, in the step of determining whether to purchase the goods using the personal communication means 300 (S110), if the card user does not purchase the goods using the card number and the password through the personal communication means 300, and ends the purchase, the financial settlement The system 700 receives the information on the payment limit information output from the card company server 500 and compares the information on the purchase price information to determine whether the price of the product purchase is less than or equal to the payment limit (S120).

Subsequently, in the second purchase price of the purchase price ≤ determination of the payment replacement limit (S120), when the price of the purchase of the goods by the card user is less than or equal to the payment replacement limit, the financial settlement system 700 determines the credit result of the card user. While authenticating the control signal, the control signal is output (S130), and the web server 800 receives the control signal output from the financial settlement system 700 and outputs the control signal corresponding thereto (S140). .

Then, the member database server 900 receives the control signal output from the web server 800 and inputs personal information and goods purchase information according to the use of the card number and password through the personal communication means 300 of the card user Receives and stores, and outputs a corresponding control signal (S150), the mail server 1000 receives the control signal output from the member database server 900 receives the information according to the card user's purchase of the individual It outputs to the electronic mail to be seen through the communication means (300) (S160).

In addition, if the price of the purchase of the goods in the first purchase price ≤ price substitution limit (S200) is greater than the payment threshold, the financial settlement system 700 outputs a control signal corresponding thereto (S210). In operation S220, the member database server 900 receives a control signal output from the financial settlement system 700 through the web server 800 and stores information corresponding to a cardholder's substitution limit.

On the other hand, if the price of the purchase of the goods in the second purchase price ≤ price substitution limit (S120) is greater than the payment replacement limit, the financial settlement system 700 outputs a corresponding control signal (S121). .

Then, the member database server 900 receives the control signal output from the financial settlement system 700 through the web server 800, and stores the information according to exceeding the cardholder's substitution limit, and correspondingly Outputs a control signal (S122), and the mail server 1000 receives the control signal output from the member database server 900 and transmits the information according to the excess of the substitution limit according to the purchase of the personal communication means 300; ) And output to the e-mail so that you can see through (S123).

As described above, the payment device and method using the replacement card of the present invention, by setting a predetermined amount of the credit card possessed by the protector of the user who does not issue the credit card or the person who will replace the payment in advance to the replacement card By giving, the payment of the use of the replacement card user can be made in a postpaid or prepaid manner.

Therefore, it is possible to minimize the economic loss caused by the indiscriminate use of credit cards by the young or the socially inexperienced who are difficult to issue a credit card, and to prevent various problems caused by the use of the credit card by the young. Giving a replacement card is a great way to save your children the inconvenience of storing and using cash, and to get the benefits of using the card.

Claims (6)

A replacement card for storing the card user's personal information and replacement limit information in advance and outputting data according to the use of the card; A card reader for reading data output from the replacement card and outputting information according to an item purchase; Personal communication means for outputting the data corresponding to the card user to purchase the goods by entering the card number and password, while receiving the data according to the use of the replacement card by e-mail to display the card user for viewing and, A bill payment communication means for setting a predetermined amount of money so that the card user can purchase the goods using a card number and a password through a replacement card or a personal communication means, and then output corresponding data; A card company server which receives data output from the payment settlement communication means and outputs the payment limit information according to the purchase of goods through the replacement card or the personal communication means; An e-commerce site server that receives the data output from the personal communication means and provides information corresponding to the purchase of the goods of the card user and outputs corresponding goods purchase information; Receives the purchase information from the card reader or the e-commerce site server and processes the credit result according to the use of the replacement card, while the purchase price information and the replacement limit information output from the card company server And the financial settlement system for outputting a control signal corresponding to the comparison, A web server which receives data output from the card reader, personal communication means and payment settlement communication means and control signals output from the financial settlement system and outputs corresponding control signals; A member database server which receives the control signal output from the web server and stores the personal information of the card user and the bill payer and the authentication information according to the use of the replacement card, and outputs a corresponding control signal; Using a replacement card comprising a mail server for receiving the control signal output from the member database server and outputs the electronic mail through the personal communication means to view the goods purchase information according to the use of the replacement card of the card user Payment device. The apparatus of claim 1, wherein the item purchase information according to the use of the substitute card of the card user may be provided as a text message through a mobile communication terminal possessed by the user's selection. Determining whether to purchase a replacement card-using goods using the credit card to determine whether the card user purchased the goods using the replacement card; When the card user purchases the goods using the replacement card in the step of determining whether to purchase the goods using the replacement card, the financial settlement system receives the payment replacement limit information output from the card company server and compares the goods with the purchase price information to purchase the goods. A first purchase price ≤ judging whether the price is limited or not, which determines whether the price is less than or equal to the price limit; If the price of the purchase of the goods in the first purchase price ≤ judgment of whether to replace the payment limit is less than or equal to the payment limit, the financial settlement system authenticates the credit result of the card user, and receives a corresponding control signal Outputting a first authentication and control signal; A first control signal output step of receiving a control signal from the financial settlement system and outputting a control signal corresponding to the web server; and The member database server receives a control signal output from the web server, the personal card and the purchase information storing step of storing the personal information and goods purchase information according to the use of the replacement card of the card user, the replacement card, characterized in that Payment method using the. According to claim 3, If the card user does not purchase the goods using the replacement card in the purchase of the purchase of the replacement card using the alternative card, the card user uses the card number and password through the personal communication means in the financial settlement system Determining whether to purchase the goods using the personal communication means to determine whether the goods have been purchased; If the card user does not purchase the goods using the card number and the password through the personal communication means in the step of determining whether to purchase the goods using the personal communication means, and the purchase, the financial settlement system outputs the limit of the substitution price output from the card company server. A second purchase price ≤ payment limit determining step for receiving the information and comparing the purchase price information with the purchase price information to determine whether the purchase price is less than or equal to the payment limit; In the second purchase price of the purchase price ≤ if the payment for the goods purchased by the card user is less than or equal to the payment limit, the financial settlement system authenticates the credit result of the card user, while corresponding A second authentication and control signal output step of outputting a control signal; A second control signal output step of receiving, by the web server, a control signal output from the financial settlement system and outputting a control signal corresponding thereto; The member database server receives the control signal output from the web server, receives and stores the personal information and the goods purchase information according to the use of the card number and password through the personal communication means of the card user, and stores the corresponding control signal. Outputting a third control signal output step; And The mail server receives a control signal output from the member database server, and comprises a first e-mail output step of outputting the information according to the purchase of the card user's goods through the personal communication means to the e-mail Payment method using a replacement card characterized by. The fourth payment signal outputting method according to claim 3, wherein the financial settlement system outputs a control signal corresponding to the first purchase price when the purchase price of the first purchase price is greater than the replacement price limit. step; And Wherein the member database server comprises the step of storing the information exceeding the payment limit for receiving the control signal output from the financial settlement system through the web server to store the information according to exceeding the payment limit of the card user; Payment method using a replacement card. According to claim 4, wherein the second purchase price ≤ if the price of the purchase price in the step of determining whether the replacement limit is greater than the payment limit, the financial settlement system outputs a fifth control signal corresponding to the output control signal Steps; The member database server receives a control signal output from the financial settlement system through the web server, stores information according to a cardholder's substitution limit, and outputs a control signal corresponding to the sixth control signal. step; And The mail server includes a second e-mail output step of receiving a control signal output from the member database server and outputting the information according to the excess of the replacement limit according to the purchase of the goods through the personal communication means through e-mail. Payment method using a replacement card, characterized in that made.