KR20030059734A - Onestop application method for credit cards using internet - Google Patents

Abstract

PURPOSE: A method for collectively applying card issuance using the Internet is provided to receive all desired cards by automatically generating a document needed for the credit card issuance and transferring it to a credit card company in case that a user inputs the necessary items for the issuance only one time. CONSTITUTION: An issuance applicant applies to the card issuance by connecting to a service site(314). The names of all capable cards are displayed, and the issuance applicant selects all or the card to receive(318). The issuance applicant inputs the statement items needed for the card issuance only one time. All issuance application documents for the desired cards are automatically generated from the inputted statement items(322).

Description

One-stop application method for credit cards using internet}

The present invention relates to a method for issuing various cards (eg, credit cards, etc.) using the Internet, and more particularly, to a method for applying for issuing a card collectively using the Internet, which can apply for issuing all cards with a single input.

Recently, as the social structure becomes more complex, there is an increasing tendency to use alternative payment methods such as credit cards or electronic money instead of cash in various commerce. In particular, while providing the benefit of income deduction for the year-end settlement for the amount of credit card use, as the use of credit cards increases, many credit card companies are established to develop and issue various types of credit cards. As the credit card companies increase and the types of credit cards are diversified, the competition for credit card companies to acquire new customers is getting fiercer.

However, the conventional means for securing new customers at credit card companies include issuing applications through face-to-face meetings such as accepting application for issuance through direct visits or receiving frequent requests from people. Internet issuance applications through the mainstream. In the case of receiving a credit card through a personal visit in this manner, the applicant was inconvenient because the applicant filled out the application form in accordance with the issuance application form and was inconvenient. In particular, an accident may occur due to illegal exposure of credit information. In addition, even in the case of an application through the Internet, it is very inconvenient to download and fill out the form, and then fill out the application form for each credit card company to receive or issue the application. Moreover, in the case of application for issuance using the Internet, there is a fear of illegal application because it is impossible to verify the individual.

The present invention has been made in an effort to provide a method for issuing a card collective issuance using the Internet that can be issued all the desired cards with a single input on the Internet in order to solve the above problems.

Another object of the present invention is to provide a method of automatically applying for issuing a new card or requesting issuance after notification when a new type of card is developed or a new card company is established and a new card is issued. It is.

Another object of the present invention is to verify the identity and applications of the issuing applicant through the electronic signature when issuing applications using the Internet, and to obtain mutual benefits by distributing the fees according to card issuance according to a predetermined rule It is to provide a method for applying for a batch of cards.

1 is a schematic diagram showing the configuration of an entire network according to the present invention;

2 is a flowchart illustrating a credit card batch issuance application procedure according to the present invention;

3 is a flowchart illustrating a procedure of processing a credit card batch issuance application in a service site according to the present invention;

4 is an example of a screen for inputting information for issuance application according to the present invention.

* Explanation of symbols for main parts of the drawings

102,102-1 ~ 102-k: User 104: rating agency

106: Certificate Authority 108,108-1 ~ 108-n: Credit Card Company

110: communication network 120: card issuing application site

122: server 124: database

In order to achieve the above objects, the method of the present invention includes a method for applying for issuance of various cards through the Internet using a card issuance application service site, the issuing applicant accessing the service site and applying for card issuance; Displaying the names of all cards that can be issued, and selecting all or only cards to be issued; inputting the items required for issuing the card only once; And automatically generating all issuance application documents of a card to be issued from the input description.

In addition, the card batch issuance application method, when applying for card issuance, displaying the issued credit card issuance details of the issuing applicant, confirming the credit inquiry of the issuing applicant, and the generated issuance application documents It further comprises the step of transmitting online to each card company.

And, all the issuance application documents are electronically signed using the issuing applicant's certificate, and if the automatic issuance column is set to automatic issuance in the entry step, the new card issuance is automatically issued every new card issuance. If the application is set to issue after notification, the new card is issued when the new applicant is automatically notified after approval by e-mail or communication means characterized in that the application for the new card issuance.

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

Figure 1 is a schematic diagram showing the configuration of the entire network according to the present invention, the user 102-1 ~ 102-k interconnected via the communication network 110, the credit rating agency 104, the accredited certification authority 106 , Credit card companies 108-1 through 108-n, and the card issuing service site 120 are shown.

Referring to FIG. 1, users 102-1 through 102-k are personal or private issuers (personal) or issuing corporations who wish to receive a card (hereinafter referred to as a credit card) for commerce. After accessing the card issuing application service site 120 through the communication network 110 by using the card issuing application services.

The credit rating agency 104 evaluates the credit information of all users (individuals and corporations) and keeps it in the database, and the users 102-1 through 102-k are credited through the card issuing application service site 120. If you request an inquiry, we will look up the data and notify you of the results of your credit inquiry.

The accredited certification authority 106 is an accredited authority for authenticating identities of commerce subjects in various electronic commerce using the Internet, and performs electronic authentication based on public key encryption technology. In other words, electronic authentication is information generated by an electronic signature generation key using asymmetric encryption to verify the identity of the person who created the electronic document and whether the electronic document has been changed. Digital signature technology based on public key encryption technology is a technology for digitally signing documents using two keys, a private key and a public key. The digitally signed document can be verified using the corresponding public key, and if the digitally signed document is verified with the sender's public key, the document can be verified to be signed with the sender's private key. For such electronic certification, the accredited certification authority 106 issues a certificate by receiving an application of an individual, a corporation or a site.

Credit card companies (108-1 ~ 108-n) is issued offline according to the issuance application of the general customer, and manages merchants and credit card users. In addition, when the credit card issuance is issued online or offline from the service site 120 in accordance with the present invention, after confirming the electronic signature through the public key, the credit rating agency 104 checks the applicant's credit status and the predetermined procedure The credit card will be issued after the examination. If it is not possible to issue a credit card, it is preferable to notify the issuing applicant through the service site 120 of the reason for not issuing.

The communication network 110 is a general data communication network (Internet) according to the TCP / IP protocol, which enables World Wide Web (WWW) service, and includes not only wired Internet but also wireless Internet. This Internet is provided by a number of Internet Service Providers (ISPs), including high speed network operators.

The card issuance application site 120 includes a server 122 and a database 124 to provide a card issuance application service according to the present invention. In other words, when the user 102-1 to 102-k accesses a member registration, a menu is provided to select a service, and when a 'card issuing application' is selected, a predetermined input form is displayed to display the user 102-1 ~. If 102-k) is entered only once, all card or card selected by the user is transferred to the card company to request card issuance. In addition, when receiving a fee for the card issuance from the card company, according to a predetermined procedure (agreement) to distribute it with the card issuing applicant to mutual benefit.

2 is a flowchart illustrating a credit card batch issuance application procedure according to the present invention.

Referring to FIG. 2, the user 102 accesses the issuing application site 120 providing a service according to the present invention through the Internet, and logs in by inputting an ID and a password (S1). ). If you are a non-member, click on 'Register' on the homepage and register as a member according to the prescribed procedure. The registered member information is stored in the database 124.

After logging in, the user 102 requests credit inquiry (S2, S2 '). Typically, the credit inquiry information is provided through the credit rating agency 104, but may be directly accessed by the credit rating agency 104, but credit to the credit rating agency 104 through the service site 120 according to the present invention Ask for an inquiry. The credit inquiry is requested by inputting the applicant's resident registration number and name, and the credit rating agency 104 provides the applicant's credit inquiry result to the user 102 through the issuance application service site 120 (S3, S3 '). .

As a result of the credit inquiry, the bad credit person does not receive a credit card, so there is no need to apply for a credit card.

On the other hand, if the user 102 does not have a certificate for the digital signature, request a certificate issued directly to the public certification authority 106 or through the service site 120 according to the present invention, the digital signature certificate to the public certification authority 106 Apply for (S4, S4 '). The accredited certification authority 106 directly issues an electronic signature certificate to the user according to a predetermined procedure (S5).

The user 102 applies for credit card issuance at the issuance application site 120 (S6). Credit card issuance is divided into 'Issued All' and 'Selective Issuance'. 'All Issued' is to issue all the credit cards of all currently available credit card companies. After that, only the credit card selected by the user is issued. When applying for credit card issuance, enter the items required by each credit card company in addition to the additional information required for each credit card company or card type, and if a new card is issued later, Input automatic issuance information to be automatically issued. Such input is encrypted through an electronic signature using the certificate confirmed above, and then transmitted to the credit card company 108 through the issuance application service site 120. In this case, the service site 120 may print the contents of the application for issuing a credit card in accordance with a predetermined form and then submit it to the credit card company 108 offline.

The credit card company 108 verifies the received issuance application document using a public key, and if the issuance application document is received through a normal electronic signature, the credit card company 108 inquires the applicant's credit through a telephone, etc. After verifying the application directly to the applicant through the internal process after the review is issued a credit card (S7 ~ S11). In the case of issuing a credit card directly to a user, it is preferable to notify the service site 120 of the issuance of the issue, and to notify the reason even if the result of the examination cannot be issued.

Subsequently, when the credit card is issued, the credit card company provides a fee to the issuance application service site 120 according to a predetermined agreement, and the issuance application service site 120 distributes the fee to the user 102 (S12 and S13). . For example, when the total fee according to the fee issuance is 100%, the service site is allocated 70%, the issuing applicant is allocated 20%, and the referrer is allocated the remaining 10%. In addition, the fee allocated to the issuing applicant or the introducer may be used for various electronic commerce by being remitted online to the issuing applicant or the introducer's account or earned as a point at the service site 120.

3 is a flowchart illustrating a procedure of processing a credit card batch issuance application at a service site according to the present invention.

Referring to FIG. 3, the users 102-1 to 102-k access the service site 120 to apply for a batch of credit card issuance and immediately log in if the user is a member. Enter to register as a member (301 ~ 304). At this time, the registered member information is stored and managed in the database 124, and duplicate information is automatically inputted from this database when inputting information for issuing a credit card.

When the user views the main webpage menu that appears after the user logs in and selects a 'credit inquiry' item, it links to the credit rating agency 104 described above (305 ~ 307). After entering the social security number and name after connecting to the credit rating agency 104, the credit rating agency 104 to search the database to display the applicant's credit information and check it (308,309).

Viewing the main webpage menu, selecting the 'digital signature' item, connects to the certification authority 106 to apply for a certificate, when applying for a certificate is issued according to a predetermined procedure (310 ~ 313).

If the user selects a 'credit card issuance' item, it is determined whether the credit inquiry is confirmed and if the credit is not confirmed, the process proceeds to step 307 to perform the credit inquiry (314, 315).

After checking the credit check, it is checked whether the certificate is held, and if there is no certificate, the process proceeds to step 311 to receive the certificate (316).

On the other hand, if you apply for credit card issuance from the main menu after logging in, the card information of the customer will be displayed and notified, and you can choose to apply for the 'all issuance' or 'selective issuance' application (317 ~ 320). . Here, the 'issuance of all' is to apply for issuing all the cards that can be issued all at once, and can apply for issuing all the cards with a single input. 'Selective issuance' is to apply for issuing only the card selected by the user after displaying all the cards that can be issued.

Then, after confirming the agreement by displaying the terms and conditions of the cards to be issued individually or individually, automatically generate issuance application documents for each card company and card type by one-time input, and if you click on issuing application, the issued application documents are generated. Automatically transmit to (321 ~ 325). In this case, it is preferable that documents entered online are transmitted through an electronic signature.

When the user clicks 'Issue confirmation' on the menu, after applying for issuance, the current progress is displayed and notified, and when the user clicks 'check point', the card that I directly issued or the fee that the introductory is issued by the introducer is issued. The corresponding earned points are displayed (326-329).

As described above, according to the present invention, when the user inputs the necessary information only once for issuing a credit card, an application form for issuing an application for each card to be issued is automatically generated, and when selecting an electronic signature, each document is automatically generated. It is very convenient because it is sent to the card company after being digitally signed.

4 is an example of a screen for inputting information for issuance application according to the present invention.

Referring to FIG. 4, the input information is largely divided into a basic information input 401, an additional information input 402, and an automatic issue grant input 403. Basic information input (401) is to input the items commonly required for all cards, such as issuer's name or social security number, work, salary, housing type, family relationship, additional information input 402 is for each card company or card type It is to input the required additional information, the automatic issuance unit 403 is to input whether or not the automatic issuance for the card that is newly issued. If the "issuing all cards automatically" is selected in the automatic issuance (403), each time a new card is born, the card is automatically applied for issuance. If the "Issue after notification" item is selected, a new card is notified through e-mail or other communication means, and the user automatically applies for issuance of the card only when the user approves. If you select "Do not issue automatically", even if a new card is not automatically issued.

As described above, according to the present invention, if you enter only once the items required for card issuance, the credit card issuing application is very convenient by automatically generating the documents required for issuing all credit cards and delivering them to the corresponding credit card companies. It is stable because the identity of the issuing applicant can be confirmed through the electronic signature. In addition, it is possible to apply for issuance of all newly issued credit cards with a single application or to apply automatically after approval after notification. Both financial and issuing applicants can benefit financially.

Claims (6)

In the method of applying for issuance of various cards through the Internet using the card issuance application service site, An issuing applicant accessing the service site and applying for card issuance; Displaying the names of all cards that can be issued and selecting all or only cards to be issued; Inputting a description required for issuing a card only once; And Card generation issuing method using the Internet comprising the step of automatically generating all the application forms of the card to be issued from the input description. The method of claim 1, wherein the card batch issuance application method is When the card issuance request, the card issuing application method using the Internet, characterized in that it further comprises the step of displaying the issued credit card issuance details of the issuing applicant. The method of claim 1, wherein the card batch issuance application method is The card issuance application method using the Internet, characterized in that further comprising the step of checking the credit request of the issuing applicant. The method of claim 1, wherein all the issuance application documents are electronically signed using a certificate of the issuing applicant. The method of claim 1, wherein the card batch issuance application method is The card issuance application method using the Internet, characterized in that further comprising the step of online transmission of the generated issuance application documents to each card company. According to claim 1, If the automatic issuance column of the items described in the input step is set to automatic issuance, the new card is automatically issued every time a new card is born, and if it is set to issue after notification is issued every new card birth Method of applying for issuing cards collectively using the Internet, characterized in that the applicant is automatically notified after approval by e-mail or communication means.