KR20040100647A - A method of improved sms reporting for credit card settlement - Google Patents

A method of improved sms reporting for credit card settlement Download PDF

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Publication number
KR20040100647A
KR20040100647A KR20030033065A KR20030033065A KR20040100647A KR 20040100647 A KR20040100647 A KR 20040100647A KR 20030033065 A KR20030033065 A KR 20030033065A KR 20030033065 A KR20030033065 A KR 20030033065A KR 20040100647 A KR20040100647 A KR 20040100647A
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KR
South Korea
Prior art keywords
credit card
payment
user
transaction
approval
Prior art date
Application number
KR20030033065A
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Korean (ko)
Inventor
신종호
Original Assignee
엘지전자 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Publication date
Application filed by 엘지전자 주식회사 filed Critical 엘지전자 주식회사
Priority to KR20030033065A priority Critical patent/KR20040100647A/en
Publication of KR20040100647A publication Critical patent/KR20040100647A/en

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Abstract

The present invention is to notify and confirm the details to the mobile terminal before the credit card use approval, the process of determining whether the credit card user requests the merchant to pay the transaction price by credit card; Merchants of the above process is a search process for checking the credit card requested payment and transaction and confirm whether the credit card that can be commerce by the card company; The credit card company of the above process provides the transaction request details and the preliminary approval number to the user when the commercial transaction is possible, and the user preliminary process of notifying the merchant to the preliminary approval number; The merchant proceeds commerce between the user and the affiliated store by the card company's preliminary approval number and the approval confirmation of the approval request in the above process, and the card company provides a short message to the user by the transaction process. It is possible to immediately identify and promptly prevent illegal use of credit cards, increase the safety of credit card use, and eliminate misunderstandings and disputes between users, merchants and card companies.

Description

Improved card payment short message notification method {A METHOD OF IMPROVED SMS REPORTING FOR CREDIT CARD SETTLEMENT}

The present invention relates to a method for notifying a mobile terminal with a short message of a credit card payment status, and more particularly, for an improved card payment short message notification method for notifying and confirming a mobile terminal before payment contents using a credit card are approved. .

The mobile terminal (UE: USER EQUIPMENT or MT: MOBILE TERMINAL) is a subscription registered to a mobile communication system and is spreading by the convenience of communicating with the other party at any time and anywhere in the service area and communicating while moving. At the same time, as equipment prices become cheaper, they are developing into personal communication means.

The credit card is used instead of cash as a means of commerce payment, and when the transaction is made, the credit card issuing company is notified of the amount of payment, and when approved by the request for approval, a slip is issued to establish a transaction. It is a postpay payment method in which payment is made to a credit card issuer.

The above credit cards carry a high risk of loss, post-payment, and traumatic transactions within the limits. If unauthorized people use them in a lost state, they can cause great economic loss to the owner. do.

In order to prevent unauthorized use of the credit card as described above, a password is used.However, in order to maintain security, the result of the credit card authorization or the usage history of the credit card is notified to the short message service (SMS) of the mobile communication system. There is a way.

However, as described above, the method of notifying the credit card authorization details using the short message of the mobile communication system is a method of notifying the transaction result after the completion of the credit commerce approval, and must bear loss caused by unauthorized use of others. As a result, there was a need for an improved method of informing credit card holders prior to the completion of a commercial authorization.

Hereinafter, a card payment short message notification method according to the related art will be described with reference to the accompanying drawings.

1 is a configuration diagram of a credit card payment method according to the prior art, and FIG. 2 is a flowchart of a method for notifying a credit card payment short message according to the prior art.

Referring to FIG. 1, the credit card payment method according to the related art includes a payment request for payment of a product or a service from a merchant 20 by a credit card holder or user 10 using a credit card (ST1); The merchant 20 receiving the payment request inquires the validity of the card to the credit card operating company or the card company 30 and at the same time requests the approval of the payment (ST2); The card company 30 receiving the inquiry and authorization request retrieves and returns the validity of the credit card and notifies the affiliated store 20 of the payment approval result (ST3); Merchant 20 received the payment approval from the card company 30 approves the payment request of the user and completes the transaction (ST4); The card company 30 notifies the transaction details by credit card payment using a short message (SMS) to a mobile communication terminal designated by the credit card user (ST5).

That is, in more detail, the user 10 having a credit card registers a mobile terminal capable of being notified of a transaction in a short message (SMS) to a card company 30, and the card company 30 is connected to the user ( When 10) makes a payment by commerce using the credit card, the transaction details according to the result of the payment are written in a predetermined form in a short message and transmitted to the mobile terminal registered by the user 10. ) Can immediately check the status of use of a credit card that he owns and is obligated to pay by payment.

Hereinafter, with reference to the accompanying Figure 2, a credit card payment short message notification method of the prior art by the credit card payment method will be described.

A first step (S10) of determining whether the credit card holder or the user 10 wants the commerce to receive the goods or services and the payment is made by the credit card; In the case of determining in step S10 that the payment for the commerce payment with the affiliated store 20 is performed by the user 10 by the credit card, the affiliated store 20 inquires the credit card company 30 for the validity of the credit card. A second step (S20) of requesting approval of the payment; The card company 30 receiving the approval request is a third step (S30) of determining whether the credit card is valid and whether or not the transaction is possible by the requested payment amount; If it is determined in step S30 that the transaction is possible, the card company 30 notifies the affiliated shop 20 of the approval of payment of the requested transaction amount, and the affiliated shop 20 having received the notification performs the corresponding transaction. (S40); The card company 30 approving the payment request by the step (S40) consists of a fifth step (S50) of notifying the transaction details in a short message to the mobile terminal designated by the credit card owner or the user 10. Configuration.

Hereinafter, a method for notifying a credit card settlement short message according to the related art having the above configuration will be described in detail.

When the user 10 possessing the credit card receives the goods or services provided by the affiliated shop 20 and charges the payment with a credit card (S10), the affiliated shop 20 stores the credit card. The card company 30 issuing the check the validity of the credit card and at the same time requests for payment of the commerce payment (S20).

The card company 30 searches the validity of the credit card received the inquiry request and at the same time determine whether the payment request amount is within the transaction limit, and if the transaction is within the predetermined transaction limit set as a result of the determination (S30), the merchant 20 Notify the payment approval, and the affiliated shop 20 receives the notification to complete the transaction by the corresponding processing with the user (10) (S40).

At this time, the card company 30 is a mobile terminal separately designated and registered by the credit card user 10, and writes the details of the payment approved commerce according to the corresponding standard, the user 10 by using a short message service (SMS) ).

Therefore, the user is notified of the transaction details in a short message to the mobile terminal as soon as the commerce is settled using the credit card possessed by the user.

The prior art as described above has the advantage of being immediately notified of the result of the transaction by credit card through a mobile terminal.

However, the above notification is the result of the completion of the commerce, and since the time of receiving the notification is the completion of the commerce, it is necessary to bear the loss caused by the improper use of the credit card without taking proper measures to deal with the unfair commerce. There is a problem.

The present invention is to notify the user in advance of the occurrence of the transaction by credit card in a short message, and when the user who receives the notification is separately authorized to receive a payment request and approval at the merchant, preventing unfair credit card use Its purpose is to provide an improved card payment short message notification method.

The present invention has been made in order to achieve the above object, the process of determining whether the credit card user requests payment to the merchant merchant credit card; Merchants of the above process is a search process for checking the credit card requested payment and transaction and confirm whether the credit card that can be commerce by the card company; The credit card company of the above process provides the transaction request details and the preliminary approval number to the user when the commercial transaction is possible, and the user preliminary process of notifying the merchant to the preliminary approval number; The merchant proceeds a commerce between the user and the affiliated store by the card company payment approval confirming the preliminary approval number and the approval request of the process, the card company is characterized in that the transaction consists of a short message to inform the user of the payment details.

1 is a configuration of credit card payment method according to the prior art,

2 is a flow chart of a credit card payment short message notification method according to the prior art;

3 is a block diagram of a credit card payment method according to the present invention;

Figure 4 is a flow chart of credit card payment short message notification method according to the present invention.

** Explanation of symbols on the main parts of the drawing **

100: user 200: merchant

300: card company

Hereinafter, the card payment short message notification method improved by the present invention will be described with reference to the accompanying drawings.

3 is a configuration diagram of a credit card payment method according to the present invention, and FIG. 4 is a flowchart of a method for notifying a credit card payment short message according to the present invention.

Referring to FIG. 3, the credit card payment method of the present invention according to an embodiment is provided with goods or services from a merchant 200 by a user having a credit card (CREDIT CARD) and receives a credit card for a price. Request to confirm whether the payment can be made (ST11); The merchant 200 receiving the request checks the validity of the credit card to the card company 300 operating the credit card, checks whether the payment amount of the commerce does not exceed the transaction limit set in the credit card, and makes a payment. Request a commerce authorization for (ST12); The card company 300 receiving the request notifies the designated mobile terminal of the user 100 to the short message (SMS) of the transaction details and the preliminary approval number for payment (ST13); The user 100 checks the transaction details received in a short message, and notifies the affiliate store 200 of the received preliminary approval number if there is no abnormality (ST14); The affiliated store 200 notifies the card company 300 of the preliminary approval number notified by the user 100 and requests approval for payment by commerce (ST15); The card company 300 approves the corresponding payment request of the affiliate store 200 when the preliminary approval number inputted from the affiliate store is notified to the user 100 (ST16); Merchant 200 received the commerce by the payment approval is complete the commerce, such as providing a product or service at the same time issuing the bill and the user 100 (ST17); The card company 300 is notified of the transaction details to be paid by the credit card payment to the mobile terminal specified by the user 100 and the deposit details in a short message (ST18).

That is, when the present invention according to an example of the configuration as described in detail, the user 100 is issued a credit card from the card company 300, the transaction history that the payment should be paid or deposited by credit card payment Register a mobile terminal number that can be notified by SMS.

If the user 100 having the above credit card receives the goods or services provided by the affiliate store 200 and checks whether the payment can be made with the credit card (ST11), the affiliate store 200 is the card company. At 300, a request is made to apply for a commerce transaction by payment of the credit card and the transaction history (ST12), and the card company 300 proceeds with the details and transactions to be traded using the credit card. If necessary, the required pre-approval number is transmitted to the mobile terminal of the registered user in a short message (SMS) according to a predetermined form (ST13).

When the user 100 who checks the transaction history by the commerce of the short message (SMS) received in the mobile terminal determines that there is no abnormality in the transaction history, the user 100 receives the short message and has a preliminary approval number for credit card payment. Notify the merchant 200 (ST14), and the merchant 200 notifies the card company 300 of the preliminary approval number again and requests the approval of the transaction by credit card payment (ST15).

The card company 300 compares the preliminary approval number notified to the user 100 and the preliminary approval number notified by the affiliated shop 200, and, if the same is the same, notifies the affiliated shop 200 the payment approval (ST16). The merchant 200 notified of the payment approval completes the commerce process with the user (ST17), and the card company 300 sends the transaction details notified of the payment approval by the credit card to the merchant 200 as a short message (SMS). The mobile terminal notifies the mobile terminal designated by the user 100 (ST18).

Therefore, the user 100 having a credit card is notified of the transaction details and the preliminary approval number in a short message to a designated mobile terminal when the payment is made by commerce with his credit card, and when the payment is continued, Since the preliminary approval number received from the card company 300 should be notified to the affiliated store, the unauthorized use of the credit card by another person can be prevented and the unauthorized use can be confirmed.

In addition, as another example, the mobile terminal of the user 100 may be notified of the transaction details without being notified of the preliminary approval number by using a short message from the card company 300.

Hereinafter, referring to FIG. 4, an improved card payment short message notification method according to the present invention will be described.

Determining whether the credit card user 100 requests the merchant 200 to pay the commerce payment with a credit card (S100),

The merchant 200 of the process (S100) is to check the credit card requested for payment and transaction and to check whether the credit card that can be traded by the card company 300, presented by the user 100 by the merchant 200 At the same time as checking the validity of a credit card to a card company and requesting a commerce permission by payment to the credit card (S110); The card company 300 receiving the credit card inquiry request and the transaction permission request in step S110 detects whether the credit card is capable of valid commerce by searching the corresponding data (S120);

The card company 300 of the searching process notifies the user 100 of the transaction request details and the preliminary approval number when the transaction is possible, and the user 100 notifies the affiliate store 200 of the preliminary approval number. In step (S130) of notifying the user 100 of the transaction request details and the preliminary approval number in a short message (SMS) if it is determined that the credit card is commercially available. The user (100) of the process (S130) is a preliminary process consisting of the process of confirming the transaction request history received in a short message and notifying the merchant of the received preliminary approval number to request a transaction approval (S140),

According to the payment approval of the card company 300 confirming the preliminary approval number and the approval request of the preliminary process, the commerce proceeds between the user 100 and the affiliated shop 200, and the card company 300 is a short message (SMS). By notifying the payment details to the user 100, the card company 300 is authorized by the merchant 200 and the request for payment approval request if the preliminary approval number is identical to the transmission to the user 100 Approving the payment to the merchant 200 and the user 100 in accordance with the approval process of completing the commerce process (S150); The card company 300 of the process (S150) is composed of a transaction process consisting of a step (S160) of notifying the mobile terminal designated by the user 100 to the short message (SMS) of the commerce payment details.

Hereinafter, by the present invention of the configuration described above, the improved card payment short message notification method will be described in detail.

The user 100 having a credit card issued by the card company 300 registers and registers a mobile terminal that is notified by a short message from the card company 300 of the transaction details that are settled when the credit card is settled. do.

When the user 100 makes a payment using a credit card in exchange for a commerce with the affiliate store 200 (S100), the affiliate store 200 that provides a product or service by the commerce is a credit card presented by the user 100. At the same time, it is possible to check whether the payment is valid and at the same time, if it is valid and the payment can be made according to the transaction limit, a request is made to make a transaction (S110).

Upon receiving the request, the card company 300 searches the data of the credit card to determine whether it is a valid credit card that can be used, and determines whether the requested payment can be processed without exceeding the authorized transaction limit. (S120), if the commerce is not possible by the payment requested in the determination (S120) and informs that the transaction is impossible and proceeds to the end, if the commerce can be a short message to the mobile terminal designated by the user (SMS) ) Directly notify the transaction request details and preliminary approval number (S130).

If the user 100 received or notified the transaction history and preliminary approval number made by using the credit card directly from the card company 300 as a short message (SMS) of the mobile terminal as described above, the transaction history is not abnormal, The affiliated store 200 is notified of the received preliminary approval number (S140).

The merchant 200 notified of the preliminary approval number from the user 100 as described above requests the card company to approve the preliminary approval number and approves the payment by commerce, and the card company informed of the approval request as described above. 300 determines whether the preliminary approval number notified to the user 100 and the preliminary approval number notified by the affiliated store are the same, and if it is determined to be the same, approves the credit card payment to the affiliated store 200. As described above, the affiliated store that has approved the credit card payment from the card company 300 completes the commerce process with the user 100 by issuing a corresponding receipt and providing a product or a service (S150).

In this case, the card company 300 finally notifies the mobile terminal designated by the user 100 of the credit card payment to the portable terminal designated by the short message and ends (S160).

As another example, the card company 300 uses the preliminary approval number to prevent the related load from increasing by processing such as notifying the user of the transaction details to the user's portable terminal and notifying the preliminary approval number. If not, the above processing can be performed more quickly.

Therefore, according to the present invention having the above-described configuration, when making a payment by commerce using a credit card, the mobile terminal designated by the credit card holder notifies the preliminary approval number and transaction details in a predetermined form of a short message. By confirming unauthorized use by the company and preventing the unauthorized use, it induces stable settlement of credit society.

According to the present invention having the above configuration, when making a commerce payment using a credit card, the card company notifies the commerce details to the user's mobile terminal before approving the credit card payment, thereby immediately confirming the illegal use of the credit card by another person. And industrial use effects that prevent it quickly.

In addition, in the case of using the preliminary approval number, since a credit card cannot be used without a mobile terminal designated by a user and registered in a card company, the use of a credit card increases safety.

In addition, since it removes the possibility of misunderstandings and disputes between users, merchants and card companies by commerce payments with credit cards, and induces stable credit transactions, there is a social stability effect that the credit society is settled.

Claims (4)

  1. Determining whether the credit card user asks the merchant to pay for the transaction with a credit card,
    Merchants in the above process is to search and request the credit card requested payment, and the search process to confirm whether the credit card that can be commerce by the card company;
    The credit card company of the above process notifies the user of the transaction request details and the preliminary approval number when the transaction is possible, and the user notifies the merchant of the preliminary approval number,
    The merchant proceeds the commerce between the user and the merchant by the payment approval of the merchant preliminary approval number and the approval request of the process, the card company is characterized by consisting of a transaction process to notify the user of the payment details in a short message To receive a short card payment.
  2. The method of claim 1, wherein the searching process comprises:
    Requesting the merchant to verify the validity of the credit card presented by the merchant to the credit card company and requesting the transaction permission by the payment to the credit card;
    The card company receiving the credit card inquiry request and the transaction permission request of the above process is a process for determining whether the credit card that can be effectively commerce by searching the data, characterized in that the improved card payment short message notification method.
  3. According to claim 1, The preliminary process,
    If the credit card company determines that the credit card is commerce, the process of notifying the user of the transaction request information and the preliminary approval number in a short message;
    Improved card payment short message notification method characterized in that the user of the process consists of the process of confirming the transaction request history received in a short message and notifying the merchant of the received preliminary approval number to request the transaction approval.
  4. The method of claim 1, wherein the transaction process,
    The card company authorized the preliminary approval number and the payment approval request by the affiliate store approves the payment when the preliminary approval number matches that sent to the user, and the merchant and the user complete the commerce process by the approval.
    The card company of the above process comprises the step of notifying the user's portable terminal with a short message of the transaction payment history improved card payment short message notification method.
KR20030033065A 2003-05-23 2003-05-23 A method of improved sms reporting for credit card settlement KR20040100647A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100872698B1 (en) * 2006-09-28 2008-12-10 (주) 엘지텔레콤 System and Method for Payment Buying Goods of DMB Home Shoping Using Smart Card
WO2009155329A2 (en) * 2008-06-19 2009-12-23 Visa International Service Association Prepaid text messaging service

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100872698B1 (en) * 2006-09-28 2008-12-10 (주) 엘지텔레콤 System and Method for Payment Buying Goods of DMB Home Shoping Using Smart Card
WO2009155329A2 (en) * 2008-06-19 2009-12-23 Visa International Service Association Prepaid text messaging service
WO2009155329A3 (en) * 2008-06-19 2010-03-11 Visa International Service Association Prepaid text messaging service
US8478232B2 (en) 2008-06-19 2013-07-02 Visa U.S.A. Inc. Prepaid text messaging service

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