KR20030088541A - Method for providing information about a credit card to measure and computer readable record medium on which a program therefor is recorded - Google Patents

Abstract

PURPOSE: A method for offering the customized credit card information and a computer-readable recording medium storing a program executing the same are provided to prevent the unnecessary credit card issuance by issuing a credit card after confirming the information for the credit card fit to a financial and a credit state of a user. CONSTITUTION: An operator server receives a resident registration number of an applicant from a collector computer(S4). The operator server transmits a qualification standard selecting screen to the collector computer(S6). The operator server receives the information for the qualification standard from the collector computer(S8). After transmitting the resident registration number of the applicant to a credit information server, the operator server inquires the credit information of the applicant by receiving the credit information from the credit information server(S12). The operator server receives a service sort desired by the applicant from the collector server(S16). The operator server transmits the customized credit card information to the collector computer(S20).

Description

Method for providing information about a credit card to measure and computer readable record medium on which a program therefor is recorded}

The present invention relates to a method for providing personalized credit card information and a computer readable recording medium recording a program for executing the same. More specifically, the present invention of the applicant (hereinafter referred to as "the applicant") who wishes to obtain a credit card is provided. Provides information on the credit card that can be issued by the applicant by using the information on the status and credit status so that the applicant can obtain the optimal credit card. A computer readable recording medium for recording thereon.

Korean Patent Publication No. 2001-0083813 (the instant card issuing system and method at a merchant through a communication network) has been applied for the credit card to be issued using a conventional information and communication network.

In the patent application is at least one merchant terminal provided in each merchant, a card issuing method in which a card issuing server that immediately issues a credit card in response to a request of the merchant terminal is made in a computer network system connected through a communication network, (a Requesting customer information for customer verification when a card issuance issuance is requested from the merchant terminal; (b) searching for the customer information and requesting detailed information of the customer required for the card issuance, if it is determined that the card is capable of issuing the card; And (c) generating a customer unique credit card number and providing the same to the affiliated store terminal.

However, the present invention has a merit that the customer can easily issue the credit card through the information and communication network if the customer decides in advance the credit card that he / she wants to issue. If there is no prior information on what kind of card is a credit card, it is easy to issue a credit card.

An object of the present invention is to solve the above problems, the applicant checks the information about the credit card suitable for their financial status and credit status before issuing a credit card, and then issuing an unnecessary credit card by receiving a credit card To prevent.

In addition, another object of the present invention, it is possible to check the status of their credit information and credit card issuance simply by entering the basic information of the applicant.

1 is an exemplary view of an information communication system to which the present invention is applied.

2 is a flowchart illustrating a method for providing credit card personalized information according to an embodiment of the present invention.

Figure 3 is an exemplary view of the initial screen of the operator site according to an embodiment of the present invention.

Figure 4 is an example of a resident registration number input screen according to an embodiment of the present invention.

5 is an exemplary view of a qualification criteria selection screen according to an embodiment of the present invention.

6 is an exemplary view of a service type selection screen according to an embodiment of the present invention.

7 is an exemplary view of a credit card custom information screen according to an embodiment of the present invention.

The present invention for achieving the above object, relates to a method for providing credit card personalized information, the operator server receiving the resident registration number of the applicant from the recruiter computer; Transmitting, by the operator server, a qualification criteria selection screen including a questionnaire for confirming the applicant's financial and credit status to the recruiter computer; The operator server receiving information regarding the qualification criteria from the recruiting computer; Receiving, by the operator server, the applicant's social security number to a credit information server, receiving credit information of the applicant from the credit information server, and inquiring credit information of the applicant; Transmitting, by the operator server, a service type selection screen to select the service type that the applicant wants to be provided when the credit card is issued to the recruiter computer; The operator server receiving at least one type of service desired by the applicant from the recruiter computer; And transmitting, by the operator server, personalized credit card information including information on the applicant's financial status, credit status, and credit card for providing a service to be provided to the recruiter computer. It includes.

Preferably the information received by the operator server receiving the information on the qualification criteria from the recruiting computer, property tax payment amount, national pension payment amount, local supplement payment amount, comprehensive income tax payment amount, transaction bank and It is characterized by including the information on the balance of the deposit, whether the savings, whether or not insurance, the length of work, whether or not the employment insurance.

Preferably, the service type selection screen may include the service type selection screen in which the operator server transmits a service type selection screen to the recruiter computer to select a service type that the applicant wants to be provided when the credit card is issued. Characterized in that it further comprises information on the details and credit history.

On the other hand, the present invention, in order to provide credit card personalized information, the operator server receives the resident registration number of the applicant from the recruiter computer; A function of the operator server transmitting a qualification criteria selection screen including a questionnaire for confirming the applicant's financial and credit status to the recruiter computer; The operator server receiving information about the qualification criteria from the recruiting computer; After the operator server transmits the applicant's social security number to a credit information server, receiving the credit information of the applicant from the credit information server and inquiring credit information of the applicant; A function of transmitting, by the operator server, a service type selection screen to select the service type that the applicant wants to be provided when the credit card is issued to the recruiter computer; The operator server receiving at least one type of service desired by the applicant from the recruiter computer; And transmitting, by the operator server, credit card personalized information to the recruiter's computer, the credit card including information on the applicant's financial status, credit status, and credit card to provide a service that he wishes to receive. And a computer readable recording medium having recorded thereon a program for realizing this.

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

1 is an exemplary view of an information communication system to which the present invention is applied.

As shown in FIG. 1, the information communication system to which the present invention is applied includes an internet network 100, a plurality of recruitment computers 200, an operator server 300, and a credit information server 400.

The internet network 100 includes a wired internet network of TCP / IP protocol and a wireless internet network such as WAP protocol.

In addition, the recruitment computer 200 is a computer device capable of displaying web content as a communicable computer device including a Pentium class CPI or more, a 64Mb or more memory device, a Windows 98 or more operating system, and the like, which are not shown in the drawing.

In the present embodiment, the recruiter computer 200 is set as a desktop computer, but the present invention is not limited thereto. The recruiter computer 200 according to the present invention may be a personal computer such as the desktop computer and a notebook computer. In addition, it includes a PDA (Personal Digital Assistant) and IMT2000 capable of wireless Internet communication.

In addition, the operator server 300 is shown in the figure and a data input device 340 including a central processing unit 310, memory device 320, data storage device 330, a mouse and keyboard not shown in the figure It includes a data display device 350 including a monitor that is not.

The central processing unit 310 should be able to execute a large number of mathematical calculations and examine a database when performing a large amount of business processing and mutual information exchange. In the present embodiment, the central processing unit 310 is used by a central processor of the Prorient dl380 dual Compaq, and set to operate by a separate operating system (Windows 2000 Advanced Server), but the present invention is It is not limited to a specification.

The memory device 320 performs a function of temporarily storing data according to the present invention, and is preferably a memory device of 1GMB or more.

The data storage device 330 includes a recruitment DB, an applicant DB, an eligibility criteria DB, and a credit card information DB, and are generally used to create and manage the DBs by database management software such as data software manufactured by Oracle Corporation. do.

The recruiter DB stores basic information such as the recruiter's name, address, mobile phone number, ID by the recruiter's social security number, password and team.

The applicant DB stores basic information about the applicant who has issued or is willing to issue a credit card, and provides basic information such as the name, address, social security number, and type of credit card applied for. Save it.

The eligibility criteria DB stores information about questionnaire information for confirming the applicant's financial and credit status and information about the answer information about each applicant about the questionnaire received from the recruiter computer 200. . In the present embodiment, the questionnaire includes the property tax, the presence of another card, the holder of the bank and the average balance, the amount of the national pension, the amount of local payments, the amount of the comprehensive income tax, the amount of the savings, the insurance coverage, the working period, and the employment. Although limited to insurance coverage, the present invention is not limited thereto.

The credit card information DB stores information on issuance conditions, features, and benefits of each credit card.

The credit information server 400 includes a large amount of CPI, a main memory device, a hard disk, a data input device, and a data output device, which are not shown in the figure, and the basic information about the applicant from the operator server 300. After receiving the, and transmits the credit information about the applicant to the operator server 300. In this embodiment, the operator server 300 is set to receive the applicant's credit information from the credit information server 400, but the present invention is not limited to this, a separate credit to the operator server 300 It may be provided with an information DB to set the format to receive and update credit information from the credit information server 400 periodically.

The overall flow of the credit card issuing method using the personalized credit card information according to an embodiment of the present invention will be described with reference to FIGS. 2 to 7.

2 is a flowchart illustrating a method for providing credit card personalized information according to an embodiment of the present invention, FIG. 3 is an exemplary view of an initial screen of an operator site according to an embodiment of the present invention, and FIG. 5 is an exemplary view of a resident registration number input screen according to an embodiment, FIG. 5 is an exemplary view of a qualification criteria selection screen according to an embodiment of the present invention, and FIG. 6 is a service type selection screen according to an embodiment of the present invention. 7 is an example of a credit card personalized information screen according to an embodiment of the present invention.

When the recruiter accesses the operator server 300 related to the present invention using his computer 200, the central processing unit 310 is the initial screen of the operator site according to the embodiment of the present invention illustrated in FIG. When the recruiter enters the ID and password in the ID and password input window of the initial screen of the operator site using his computer 200, the central processing unit 310 from the recruitment computer 200 Receiving the ID and password performs a login procedure (S2).

In the present embodiment, the ID and password of the recruiter is set in advance by the operator offline, but the present invention is not limited thereto.

The operator initial screen according to an embodiment of the present invention illustrated in FIG. 3 is a 'card guide' menu, 'product information' menu, 'saving bank' menu, 'insurance information' menu, 'community' and the present invention. It includes a 'custom service' menu.

The 'card guide' menu is a menu for providing information on a credit card configuration, usage method, payment method and income deduction.

In addition, the 'product information' menu is a menu for providing basic information about the credit card issued to each card company and information on subscription conditions.

In addition, the 'saving bank' menu is a menu for providing information on loan products and loan conditions for each financial institution.

In addition, the 'insurance information' menu includes the definition of insurance, the origin of insurance, the necessity of insurance, interesting insurance cases, insurance shopping mall, traffic accident processing, compensation processing procedures, compensation FAQ, insurance site link, SOS center by insurance company, insurance re-tech. This menu provides information related to insurance included.

The central processing unit 310 transmits the 'resident registration input' screen shown in FIG. 4 to the recruiter computer 200, and receives the applicant's resident registration number from the recruiter computer 200 (S4).

The central processing unit 310, the recruitment computer to the qualification criteria selection screen shown in FIG. 5 including a questionnaire for confirming the applicant's financial and credit status pre-stored in the qualification criteria DB Transfer to step 200 (S6).

As shown in FIG. 5, in this embodiment, the questionnaire regarding the qualification criteria includes property tax, whether or not another card is held, holders of banks and ordinary balances, national pension payments, local pension payments, comprehensive income tax payments, It is limited to whether or not to save money, insurance coverage, work period, employment insurance subscription, but the present invention is not limited thereto.

The central processing unit 310 receives the information on the qualification criteria from the recruiter computer 200 (S8).

The CPU 310 determines whether all the information on the questionnaire regarding the qualification criteria of step S8 has been received (S10).

As a result of the determination in step S10, if all are not received, the central processing unit 310 returns to step S8. If all are received, the central processing unit 310 receives the applicant's resident registration number from the credit. After transmitting to the information server 400, the credit information of the applicant is received from the credit information server 400 to query the credit information for the applicant (S12).

The central processing unit 310 includes information on the applicant's name, resident registration number, bad transaction details and credit transaction details, which are not shown in FIG. 6, and is provided by the applicant when issuing the credit card shown in FIG. 6. The service type selection screen including a text box for selecting a desired service type is transmitted to the recruiter computer 200 (S14).

In the present embodiment, as shown in FIG. 6, the 'service type selection' screen allows the applicant to enter the card issuance criteria of the applicant, the types of credit cards that can be issued, and the services that the applicant wants to receive. It is limited to including a text box and information on the type of service that the applicant wants to be provided, but the present invention is not limited to the information.

The central processing unit 310 receives the type of service desired by the applicant from the recruiter computer 200 (S16).

In the present embodiment, the central processing unit 310 limited the services received from the recruitment computer 200 to 1st priority: transportation, 2nd priority: medical care, and 3rd priority: financial service, but the present invention is not limited thereto. .

The CPU 310 determines whether or not the type of the received service is selected up to three ranks (S18).

As a result of the determination in step S18, when the third rank is not selected, the central processing unit 310 returns to the step S16, and when selected up to the third rank, the central processing unit 310 in FIG. As shown in Figure 20, the applicant's financial status, credit status, and credit card personalized information for providing a service to be provided are transmitted to the recruiter computer 200 (S20).

As shown in FIG. 7, the personalized credit card information according to the exemplary embodiment of the present invention includes information regarding a card company, a card type, a main service content, and a basic year fee / additional year fee.

The present invention can be embodied as computer readable codes on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and also include those implemented in the form of carrier waves such as transmission over the Internet. . The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

According to the present invention as described above, by collectively managing the sales results and the corresponding allowance of the recruiters who sell the financial products of a plurality of financial institutions, the recruiter can review the applicant information, sales records, allowances Not only can you easily search for information about the benefits that can be easily and quickly withdraw the allowances accumulated in a single financial account.

Claims (4)

In the recruitment computer and credit information server is connected to the operator server through the Internet network, the operator server is a credit card personalized information providing method including recruitment DB, applicant DB, qualification criteria DB and credit card information DB, Receiving, by the operator server, the applicant's social security number from the recruiter computer (S4); Transmitting, by the operator server, a qualification criteria selection screen including a questionnaire for confirming the applicant's financial and credit status to the recruiter's computer (S6); Receiving (S8) the operator server from the recruitment computer about the qualification criteria; Transmitting, by the operator server, the applicant's social security number to a credit information server, receiving credit information of the applicant from the credit information server, and inquiring credit information of the applicant (S12); Transmitting, by the operator server, a service type selection screen to select the type of service that the applicant wants to be provided when the credit card is issued (S14); Receiving, by the operator server, at least one type of service desired by the applicant from the recruiter computer (S16); And Transmitting, by the operator server, credit card personalized information including information about the applicant's financial status, credit status, and credit card for providing a service to be provided to the recruiter computer (S20); Credit card personalized information providing method comprising a. The method of claim 1, The information received in step (S8) the operator server receives the information on the qualification criteria from the recruitment computer, Includes information on property tax payments, national pension payments, local pension payments, local income tax payments, banks and bank balances, savings, insurance coverage, work hours, and employment insurance. How to provide credit card personalized information. The method of claim 1, The service type selection screen in step (S14) in which the operator server transmits a service type selection screen for selecting a service type that the applicant wants to be provided when the credit card is issued to the recruiter computer. Credit card personalized information providing method characterized in that it further comprises information about the bad transaction history and credit transaction history of the applicant. In order to provide you with personalized credit card information, A function of the operator server receiving the applicant's social security number from the recruiter computer; A function of the operator server transmitting a qualification criteria selection screen including a questionnaire for confirming the applicant's financial and credit status to the recruiter computer; The operator server receiving information about the qualification criteria from the recruiting computer; After the operator server transmits the applicant's social security number to a credit information server, receiving the credit information of the applicant from the credit information server and inquiring credit information of the applicant; A function of transmitting, by the operator server, a service type selection screen to select the service type to be provided by the applicant when the credit card is issued to the recruiter computer; The operator server receiving at least one type of service desired by the applicant from the recruiter computer; And Transmitting, by the operator server, credit card personalized information to the recruiter's computer, the credit card including information about the applicant's financial status, credit status, and credit card to provide the desired service; A computer-readable recording medium having recorded thereon a program for realizing this.