KR20070065192A - System and method for complex transaction card - Google Patents

Abstract

A payment system for a complex transaction card and a method thereof are provided to enable a user to use a credit card and a prepaid card at the same time according to user selection, and conveniently expand an approval limit conveniently expand an approval limit without additional measures by additionally considering the approval limit of another card if the approval limit of one card exceeds a payment amount. A transaction account database(310) stores the first and second transaction account for the prepaid card and the credit card by corresponding to a plurality of card ID numbers, and an active state and the approval limit of the transaction accounts. A payment request information receiver(320) receives payment request information including card ID information and payment amount information from a card member shop(302). A transaction account identifier(330) identifies the first and second transaction account corresponding to the card ID number by referring to the transaction account database. A payment approver(340) determines an approval of the payment amount by considering the active state of the identified transaction accounts and the approval limit of the active transaction accounts.

Description

Payment system for compound transaction card and its method {SYSTEM AND METHOD FOR COMPLEX TRANSACTION CARD}

1 is a diagram schematically illustrating a process of performing a payment in a card payment system according to the related art.

2 is a diagram schematically illustrating a process of performing a payment in a card payment system according to an embodiment of the present invention.

3 is a block diagram showing the internal configuration of a card payment system according to an embodiment of the present invention.

4 is a diagram illustrating an example of a transaction account database in a case of storing two transaction accounts in association with one card identification information in the card payment system according to the present invention.

FIG. 5 is a diagram illustrating an example of a transaction account database when a transaction account corresponding to one card identification information includes two authorization limits in the card settlement system according to the present invention.

6 is a diagram illustrating a card sales slip and transaction details for a payment made using a card payment system according to an embodiment of the present invention.

7 is a diagram illustrating an example of a screen when a payment is made online using a card payment system according to the present invention.

8 is a flowchart illustrating a flow of a card payment method according to the present invention.

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

301: card payment system

302: card merchant

310: trading account database

320: payment request information receiving unit

330: trading account identification

340: payment approval

350: point management unit

The present invention relates to a payment system and method for a complex transaction card that can be used in parallel with the selection of one of the credit card and prepaid card as one card identification information, more specifically a complex containing one card identification information In the case of granting a credit card and a prepaid card each authorization limit and approving payment using the compound transaction card, one or more transaction accounts among the credit card and prepaid card are activated to approve or further, Card payment system and method that preferentially considers the authorization limit of either credit card or prepaid card, and additionally considers the remaining authorization limit if the payment amount for the payment exceeds the authorization limit. It is about.

Recently, due to the advantage of being able to conveniently purchase goods or services even if you do not have cash, users are increasingly using credit cards as a means of trading. In general, credit cards charge the user after the sum of the amount paid for a predetermined period of time, so if the user can pay only by the credit card payment date, even if they do not have cash right away, To purchase goods or services.

However, in the case of purchasing goods or services using a credit card as described above, it is not possible to purchase an unlimited number, and payment can be made only within a predetermined approval limit granted for each credit card based on the user's credit rating. Therefore, there is a disadvantage in that payment cannot be made when the approval limit is exceeded. Due to these drawbacks, if there is a conspicuous event such as marriage or sacrifice, or if the expenditure increases temporarily due to school fees or the like, a limitation of credit card settlement may occur. As a result, when a credit card is issued from a plurality of credit card companies and payment cannot be made using one credit card, more users pay using another credit card.

However, in order to make a payment using a plurality of credit cards, the user is not only inconvenient to receive and possess a plurality of credit cards, but also allows the user to additionally use another card company's card from the card company's point of view, There was a problem that the sales will be lost to other card companies.

In addition, credit cards were difficult to be issued. Since a credit card is required to undergo a strict credit check, it is very difficult for a user without a certain income such as a minor, an elderly person, and a housewife to issue a credit card. Therefore, there are many users who cannot use credit cards despite the convenience of the above credit cards.

Thus, more and more users use debit or prepaid cards to supplement their credit cards. Debit cards are issued by banks and operate through debit cards and credit card networks. In both cases, the card can be used within the balance of the linked account.

Prepaid cards are also divided into bearer prepaid cards that are not designated or marked by the user and named prepaid cards that are designated by boxes. An anonymous prepaid card, also called a card voucher, is a card that can be settled within the limits of the amount charged to the card when the card is issued. The registered prepaid card is a card that allows the user to make a payment within the limit of the amount previously deposited in the virtual account.

As described above, the debit card or the prepaid card can be settled within the amount of the user's own amount. Therefore, the debit card or the prepaid card can be issued regardless of the degree of credit. However, unlike credit cards, since the amount is withdrawn immediately after payment, there is a disadvantage in that payment can be made only within the limit of the amount that is present.

As described above, the credit card, debit card and prepaid card have advantages and disadvantages, and in order to compensate for the disadvantages, users who receive and use all of the credit, debit and prepaid cards have increased. Accordingly, there have been many inconveniences not only to the user but also to the card issuer and the card merchant in various aspects, such as a card issuing procedure, a card use procedure, a payment limit, and system management.

1 is a diagram schematically illustrating a process of performing a payment using a plurality of transaction cards in a card payment system according to the related art.

As shown in the figure, in order for a user to use a plurality of transaction cards, for example, the credit card 101, the debit card 102, and the prepaid card 103, each of them must first be individually issued. That is, the user has to go through the membership registration process according to the card issuer's request, and each card issuer has also issued the card individually after the member examination in consideration of the creditworthiness of the member.

The card company issues a different card numbering system for each card, and at the time of payment, a credit card payment system 105, a debit card payment system 106, and a prepaid card payment system 107 are used according to the card number system. Payment was made in the payment system. Therefore, even one card company had to maintain a different payment system according to the type of each card, card merchants 104 is connected to only some of the payment system of the payment system, it is possible to pay in some of the payment system There were also merchants that can only use cards.

In this case, if the merchants handled according to the type of card is different, the user is issued with a credit card 101, debit card 102 and prepaid card 103, respectively, and carry all the inconveniences to select and use according to the merchant there was. If the merchant can not use the debit card and prepaid card can not be paid for the amount exceeding the authorization limit of the credit card, it was inconvenient to make additional payment using cash. That is, in the past, when the usage limit (approval limit) is exceeded while using the card, the authorization rejection occurs, and the user separately checks with the card company how much of the remaining credit limit of the card is denied the authorization to use the card. We had to pay for the rest of the money through custom payments and other payment methods (cash, other cards, etc.).

In addition, since only the credit card payment system 105 can be used overseas, and the debit card payment system 106 and the prepaid card payment system 107 are not available in most cases, the credit card is used when using the card abroad. In many cases, the debit card 102 and the prepaid card 103 cannot be used in addition to (101). Therefore, if you have to spend a large amount temporarily while staying abroad, you had to remit cash from your home country.

In addition, when multiple transaction cards such as credit cards, debit cards, and prepaid cards are issued by the same card issuer, a payment system and a database must be established for each of these transaction cards, which causes waste of system resources and unnecessary costs. It has been the cause of the increase. In particular, due to recent security reasons, the issue of IC cards on behalf of magnetic cards has increased, and the card issuer's cost has increased for the card issuer. The burden will be greater.

As described above, according to the related art, the credit card and the prepaid card are operated independently under separate card systems, resulting in a lot of inconvenience and inefficiency not only for the user but also for the card merchant and the card issuer.

Therefore, if a single transaction card is issued and it can be used in combination through a single payment system, such as a credit card and a prepaid card, a variety of cards can be used without having to carry various cards and use different cards depending on the merchant. You will get the same effect. Accordingly, in the present specification, the credit card and prepaid card correspond to an authorization limit of one card identification information, and when a payment is made using a complex transaction card having the card identification number, any one of the prepaid card and the credit card is used. Considering the approval limit first, if the payment amount for the payment exceeds the approval limit, it is proposed a new technology for the card payment system and method for allowing the payment to be approved in addition to the remaining approval limit.

The present invention has been made in order to improve the prior art as described above, and an object of the present invention is to enable the use of a credit card and a prepaid card at the same time as one complex transaction card according to the user's choice.

In addition, in the present invention, when a payment is made using a compound transaction card, if the payment amount exceeds the authorization limit of any one of the credit card and prepaid card authorization limit, the user may additionally consider another authorization limit so that the user additionally The aim is to make it easier to extend the approval limit without action.

In addition, an object of the present invention is to allow the user to specify the priority for the credit limit of the credit card and prepaid card, so that the authorization limit of the card designated by the user is considered first.

In addition, an object of the present invention is to enable the user to activate or deactivate any one or more of the credit card and prepaid card, so that the transaction card can be used in combination only when necessary according to the user's selection.

It is also an object of the present invention to enable integrated management of points for the use of credit and prepaid cards.

In addition, an object of the present invention is to enable the user to simply increase the authorization limit of the combined transaction card simply by depositing cash in the withdrawal account of the financial institution associated with the prepaid card.

In addition, an object of the present invention is to enable the use of the card without distinguishing the prepaid card and the credit card affiliate store by adding an authorization limit of the prepaid card to the complex transaction card that is settled in the same manner as the credit card.

In addition, an object of the present invention is to simplify the issuance procedure for a plurality of transaction cards, and to reduce the resources and costs of the system for payment of a transaction card.

In order to achieve the above object and solve the problems of the prior art, a payment system for a composite transaction card that can be used in parallel with a prepaid card and a credit card as one card identification information according to an embodiment of the present invention a plurality of card identification A transaction account database that stores a first transaction account for the prepaid card and a second transaction account for the credit card corresponding to the number, the database including activation status and authorization limits for the transaction accounts; from a card merchant Payment request information receiving unit for receiving payment request information including user card identification information and payment amount information, a transaction account for identifying a first transaction account and a second transaction account corresponding to the user card identification number with reference to the transaction account database Refer to the identification section and the activation status of the identified trading accounts. , Taking into consideration the approved limits of active trading accounts is characterized in that it comprises payment authorization unit for determining whether payment of the approved amount.

In addition, the payment method for a composite transaction card that can be used in parallel with one card identification information according to the present invention in the first transaction account and credit card for the prepaid card corresponding to a plurality of card identification numbers Maintaining a transaction account database storing a second transaction account for the transaction account, wherein the database includes an activation state and an authorization limit for the transaction accounts; a payment request comprising user card identification information and payment amount information from a card merchant; Receiving information, identifying a first transaction account and a second transaction account corresponding to the user card identification number with reference to the transaction account database, and referring to the activation status of the identified transaction accounts, Determine whether the payment has been approved for payment based on the transactional account authorization limit Characterized in that it comprises a step.

Hereinafter, with reference to the accompanying drawings will be described in detail the card payment system and method according to the present invention.

In the present invention, the term "credit card" refers to that issued by a credit card provider as a token that can repeatedly receive the purchase of goods or the provision of services or settle the matters prescribed by the Ministry of Finance and Economy. It means a postpaid transaction card that pays a payment amount to a credit card provider after payment.

In addition, in the present invention, the "prepaid card" means the payment for the purchase of goods or the provision of services in the merchant, the payment amount is stored in a predetermined account before the payment, the payment amount in the account according to the payment It means a prepaid transaction card that is paid, and is used to include all debit cards, rechargeable cards and card gift certificates.

In the present invention, the term "debit card" means that a debit card member and a credit card merchant can perform the provision of goods or services and the payment thereof in a manner such as by transferring them to a financial transaction account by electronic or magnetic method. A certificate issued by a credit card company. Generally, debit cards in Korea are directly linked to the bank's deposit and withdrawal accounts, and are linked to the bank's deposit and withdrawal accounts through bank debit cards and credit card companies issued by banks, and are divided into check cards issued by credit card companies. In addition, the rechargeable card means a card that can be paid within the limit of the amount paid in advance to the credit card provider, the card voucher is issued by recording the predetermined amount in advance by the credit card provider, payment within the limit of the amount Means possible cards.

In addition, in the present invention, the term "transaction account" refers to managing all the transaction cards, such as credit cards or prepaid cards, for managing card information and card users at the card company ("card issuer") that issued the card. Means data stored in a predetermined recording device managed by the card company. Information for managing the card may include an authorization limit for the card, payment details using the card, and the like. Information for managing the user may include credit information of the user. In addition, any information may be included in the transaction account as long as it is information for managing a card or a user who uses the card. In particular, in the present invention, since one compound transaction card can be used as a credit card and a prepaid card, a plurality of transaction accounts each including information about a credit card and information about a prepaid card can be associated with the compound transaction card.

In addition, in the present invention, the trading account may be activated or deactivated. The activation of the trading account means that the trading account may be performed using the trading account. In the conventional trading card system, since one trading account is linked to one trading card, the trading account associated with the trading card is kept active while using the trading card. However, in the present invention, since one compound transaction card is connected to two transaction accounts, even if only at least one transaction account of the two transaction accounts is activated, the compound transaction card can be traded. Therefore, the user can activate or deactivate the trading account associated with the complex trading card according to the user's free choice.

2 is a diagram schematically illustrating a process of performing a payment in a card payment system according to an embodiment of the present invention.

As shown in the figure, when a user makes a payment for goods or services at a card affiliate store 202 using a compound transaction card 201, the card terminal of the card affiliate store 202 receives the compound transaction card 201. Receiving the card identification information, and transmits the payment request information including the card identification information and the payment amount information for the payment to the card payment system 203. The card payment system 203 determines whether to approve payment for the payment based on the card identification information included in the payment request information. Since the card payment system 203 stores the authorization limit for the credit card and the prepaid card in association with the compound transaction card 201, the compound transaction card 201 is based on the card identification information included in the payment request information. The identification limit information of the credit card and the prepaid card associated with) is identified to determine whether to approve payment of the payment amount included in the payment request information based on the approval limit.

The composite transaction card 201 may be manufactured and distributed as a new card or may use an existing transaction card as it is. That is, in the case of a member of an existing transaction card, the payment according to the present invention can be implemented by receiving a separate application for the combined transaction card and additionally assigning a new account to the account for the existing transaction card.

The card merchant 202 is a merchant that handles at least one or more of a credit card or a prepaid card, and installs a terminal capable of performing a payment using a credit card or a prepaid card. It can be connected to the system 203. As an example of the communication network, at least one of an IP protocol-based Internet network, FTTH / O / C (broadband network), ATM (broadband communication network), CATV network, as well as LAN, ADSL, Ethernet Firewall & VPN and Loadbalancer & CDN Can be used.

3 is a block diagram showing the internal configuration of a card payment system according to an embodiment of the present invention.

As shown in the figure, the card payment system 301 according to the present invention is a transaction account database 310, payment request information receiving unit 320, transaction account identification unit 330, payment approval unit 340 and point management unit 250. Hereinafter, the function of each component will be described in detail.

The transaction account database 310 stores the first transaction account for the prepaid card and the second transaction account for the credit card in correspondence with the plurality of card identification numbers. The transaction account database is a commercial database management system (DBMS) such as Oracle, MS-SQL, My-SQL, and DB2, as well as all recording means capable of storing data and for maintaining and managing data recorded in the recording means. It may include a program executable through a computer.

In addition, the first transaction account and the second transaction account stored in the transaction account database 310 includes the authorization limit information of the prepaid card and the credit card, respectively. The approval limit information sets a limit to which payment can be made when payment is made to a transaction account corresponding to the approval limit information. The authorization limit of the transaction account corresponding to the prepaid card is determined to correspond to the balance of the account of the predetermined financial institution associated with the transaction account, and the authorization limit of the transaction account corresponding to the credit card may be determined according to the user's credit rating. It is determined by the amount of payment available for the period of. In the case of an authorization limit of a transaction account corresponding to a credit card, it may mean information on the amount that can be paid for the remaining period of the period. In this case, if the payment amount for the payment does not exceed the authorization limit, payment will be made. Approved. Alternatively, the approval limit may mean information on the total amount of money available for the period, and if the sum of the payment amount added to the total amount already paid during the period does not exceed the approval limit, the payment is made. Is approved. In the present invention, the approval limit is described as meaning information on the amount that can be paid for the remaining period, but the remaining cases are applicable to the present invention.

In addition, the transaction account database 310 may include respective activation state information for the first transaction account and the second transaction account. According to the present invention, a plurality of transaction accounts are assigned to one compound transaction card, and the user can selectively make payment only for the transaction account activated among the plurality of transaction accounts. The user can freely change his or her desired trading account to be activated or deactivated. Whether the trading account is activated or deactivated may be determined simply by what the activation status information for the trading account included in the trading account database 310 has. Therefore, the user may activate or deactivate the first transaction account or the second transaction account only by changing the activation state information of the transaction account database 310 according to the user's selection. In addition to this, if it is possible to set up payment for each trading account or not set up a transaction, it may be used to set whether to activate the trading account in any way. In addition, the activation and deactivation status of the transaction account can be selected at the time of card issuance, and after the issuance, the user can easily change the card company by visiting the homepage, using a homepage, a telephone, or an ARS.

For example, the first transaction account and the second transaction account may be activated or deactivated, respectively, and the card payment system 301 uses the transaction account activated among the first transaction account and the second transaction account when performing a payment. To make a payment. In addition, the transaction account database 310 may receive transaction account selection information from the user to activate or deactivate at least one of the user's first transaction account and the user's second transaction account. Therefore, while the user makes a payment using the compound transaction card, there is an effect that the user can set the payment using a desired payment method among prepaid cards and credit cards.

Generally, credit card is settled on the settled date after using the card, so the card user can use it without any financial burden during the credit donation period (25 ~ 50 days), but this leads to indiscriminate use of the card. There are many social problems. On the other hand, the debit (prepaid) card has the advantage that the user can limit the use of the card in the balance of the current account or the amount of the amount of the account, which can solve the problem of over-consumption. Therefore, at the discretion of the user, the credit card user may wish to use the prepaid card or vice versa.

Conventionally, when a card user wants to use a different type of card, he has to apply for issuing a different type of card by bringing an identification card to a bank (card company) separately, which is inconvenient due to the considerable time and effort of the user. In addition, even if this application was made, it took a considerable amount of time (usually 15 days) before the card issuer was screened and delivered to the newly issued applicant.

According to the present invention, the card user not only applies to the card issuer for credit or debit (prepaid) conversion to the card issuer through the telephone, the Internet, or visits, but also credits the card currently used by the user in real time. It is possible to freely convert to debit (prepayment).

In addition, as another embodiment according to the present invention, the transaction account database 310 may determine whether to activate the second transaction account based on the credit information of the first transaction account. That is, the second transaction account for the credit card may be set to be activated only when the credit rating of the first transaction account for the prepaid card satisfies the condition. Therefore, users who are unable to issue credit cards due to low credit ratings should first activate the prepaid card transaction account, and if the credit rating is increased later, additional credit card transaction accounts can be activated to prevent member departure. have.

Alternatively, the transaction account database 310 may include respective priority information for the first transaction account and the second transaction account. The priority information is information for specifying a transaction account to be used at the time of payment among the first transaction account and the second transaction account. The transaction account database 310 may receive and store the priority information from a user.

In addition, according to another embodiment of the present invention, the transaction account database 310 stores one transaction account in response to one card identification information, the transaction account for each authorization of prepaid card and credit card May include limit information. In this case, the transaction account database 310 may include respective priority information for the prepaid card and the credit card, which may be received from the user or determined by the card payment system 301. When the priority information is determined by the card payment system 301, the priority information may be determined by referring to the user's credit rating, and a predetermined policy determined by a company operating the card payment system 301. The priority information may be determined by. In addition, if it includes the authorization limit information for the prepaid card and the credit card corresponding to the card identification information, and if the authorization limit information for the prepaid card and the credit card can be identified based on the card identification information, the transaction account database ( Still other applications for 310 may be applicable to the present invention.

The payment request information receiving unit 320 receives payment request information including user card identification information and payment amount information from the card affiliate store 302. The card affiliate store 302 may include all branches that can be paid using a credit card, and may include all sites that can be paid using a credit card online such as an internet shopping mall. The offline card merchant can identify the card identification information recorded in the magnetic bar or IC circuit of the compound transaction card through the credit card terminal, and the online card merchant receives the card number, the card expiration date, etc. from the user. Card identification information may be identified based on the information. In addition, the card merchant 302 may use any method for identifying the card identification information from the composite transaction card.

In addition, the payment request receiver 320 may receive the payment request information through a communication network connected to the card affiliate store 302, and may include a network interface connected to the communication network to exchange data.

The transaction account identification unit 330 identifies the first transaction account and the second transaction account corresponding to the user card identification number included in the payment request information received by the payment request receiver 320 with reference to the transaction account database 310. do. The transaction account identification unit 330 may identify only the activated transaction account among the first transaction account and the second transaction account corresponding to the user card identification number, and the first transaction account and the second transaction account may be activated regardless of activation. You can also identify all trading accounts.

In addition, when the transaction account database 310 stores one transaction account including the respective authorization limit information of the prepaid card and the credit card in correspondence with the card identification number, the transaction account identification unit 330 is the user. If one transaction account corresponding to the card identification information can be identified, and the information about the prepaid card and the credit card including the authorization limit information based on the user card identification information can be identified, the transaction account database ( Various applications will be possible depending on the configuration of 310.

The payment approval unit 340 determines whether to approve payment of the payment in consideration of the approval limit of the activated transaction account among the transaction accounts identified by the transaction account identification unit 330. If only one trading account of the identified trading accounts is activated, the payment is approved only if the payment amount does not exceed the approval limit of the activated trading account.

In addition, when both transaction accounts are activated, the payment approval unit 340 determines whether to approve payment of the payment amount by first considering any transaction account. If the transaction account database 310 includes the priority information for the transaction account, the transaction account to be considered as the priority is determined based on the priority information, and one of the transaction accounts for the prepaid card and the credit card is selected. You may want to always consider your trading account first.

Alternatively, the payment approval unit 340 may additionally consider the approval limit of the remaining transaction accounts when the amount of payment exceeds the approval limit of the transaction account that is considered first when both transaction accounts are activated. For example, if the first transaction account for the prepaid card is considered first, and the payment amount exceeds the balance of the account corresponding to the first transaction account, the payment is first approved as the balance of the account, and the amount exceeded. May be approved in consideration of the authorization limit of the second transaction account for the credit card.

The point manager 350 assigns a point corresponding to the payment amount approved by the payment approval unit 340 corresponding to the card identification information. That is, points corresponding to the payment amount of the first transaction account and the second transaction account are integrated and given to the user card identification information. In the conventional case, when the prepaid card and the credit card are used, it is difficult to provide a service desired by the user because the points according to each use are separately managed, but in the present invention, the card identification information includes the points including the prepaid card and the credit card. Because it is given in response to, the points can be integrated and managed for both the user and the credit card company. That is, unlike the related art, even if the limit of any one trading card is exhausted, it is possible to freely switch or use it in parallel with another trading card, thereby increasing the creditworthiness of one card, thereby enabling the centralized management of point accumulation. do.

In the above, the case where one compound transaction card includes a prepaid card and a credit card has been described. However, according to the service of a card company, various types of transaction cards may be used in association with the compound transaction card. Those skilled in the art, it will be easy to apply the transaction card provided by the card company in addition to the prepaid card and credit card to the present invention. In addition, according to the number of trading cards provided, the number of corresponding trading accounts may be further extended.

4 is a diagram illustrating an example of a transaction account database 310 in the case of storing two transaction accounts in association with one card identification information in the card payment system according to the present invention.

As shown in the figure, the transaction account database 310, in response to the card identification information, an account classification field indicating which card is associated with an account of a prepaid card or a credit card, and activation of whether each account is activated. Field, a priority field including priority information of each account, and an approval limit field including approval limit information for each account.

For example, the first transaction account for a prepaid card having an authorization limit of 300,000 won and a second transaction account having an authorization limit of 200,000 won may be stored in association with the complex transaction card having the card identification information of “B412”. The first trading account may be activated and the second trading account may be deactivated. Therefore, when the payment is made using the complex transaction card having the card identification information of "B412", the payment is performed through the first transaction account for the prepaid card up to 300,000 won, and the payment is made for the amount exceeding 300,000 won. Not approved In order to make a payment for an amount exceeding 300,000 won, a user must input transaction account selection information requesting activation of the second transaction account and activate the second transaction account.

In addition, in connection with the compound transaction card having the card identification information of "B493", the first transaction account for the prepaid card having the limit of 1 million won and the second transaction account for the credit card having the limit of 1 million won are stored. The second trading account may have a priority higher than that of the first trading account. Therefore, when the payment is made using the compound transaction card having the card identification information of "B493", the payment is made using the second transaction account up to 1 million won, and the amount exceeding 1 million won is used for the first transaction account. Payment is performed by using.

FIG. 5 is a diagram illustrating an example of a transaction account database when a transaction account corresponding to one card identification information includes two authorization limits in the card settlement system according to the present invention.

As shown in the figure, the transaction account database 310 corresponds to the card identification information, prepaid card approval limit field for storing the authorization limit information for the prepaid card, prepaid card priority for storing the priority information for the prepaid card A priority field, a credit card authorization limit field for storing authorization limit information for a credit card, and a credit card priority field for storing priority information for a credit card may be stored.

For example, in relation to the complex transaction card having the card identification information of "B101", 500,000 won is stored as the authorization limit for the prepaid card, and 100,000 won is stored as the authorization limit for the credit card. In addition, credit cards have a higher priority than prepaid cards. Therefore, when the payment is made using the complex transaction card having the card identification information of "B101", the payment is performed according to the authorization limit of the credit card up to 100,000 won, and the authorization limit of the prepaid card from the amount exceeding 100,000 won. Payment is performed. If the prepayment limit for the prepaid card is over 500,000 won, the payment will not be accepted.

6 is a diagram illustrating a card sales slip and transaction details for a payment made using a card payment system according to an embodiment of the present invention.

Reference numeral 601 is a card sales slip for the payment of 77,000 won at the "OO gas station" by using a composite transaction card having the card identification information "B493" as an example in FIG. As shown in the figure, the payment for 77,000 won was completed in the same manner as the payment using a credit card (610).

Reference numeral 602 and reference numeral 603 show transaction details of the second transaction account and the first transaction account for the compound transaction card having the card identification information "B493", respectively.

As shown, a total of six payments were made using the compound transaction card before April 10, 2006, indicated in the card sales slip of reference numeral 601, and the compound transaction card was used as a second credit card. Since the priority of the trading account is higher than the first trading account for the prepaid card, the six settlements were performed through the second trading account. Since the first transaction limit of the second transaction account is 1 million won, the authorization limit of the second transaction account on April 10, 2006, after the 6 settlements corresponding to 980,000 won, is 20,000 won.

However, as shown in the card sales slip of 601, the amount settled at “OO gas station” on April 10, 2006 is 77,000 won, exceeding the approval limit of the second transaction account. Therefore, in the second transaction account, payment for the approved limit of 20,000 won is performed (620), and for the remaining amount of 57,000 won, payment is performed through the first transaction account (630). Since the approval limit of the first transaction account is 1 million won, an additional payment for 57,000 won may be performed.

As described above, when the payment amount exceeds the approval limit of any one transaction account having a high priority, payment is performed through another transaction account in the card payment system according to the present invention. A user can make a payment without any problem even if the approval limit of one trading account is exceeded. Therefore, since the authorization limits of a plurality of cards can be used in combination while using one card, there is an effect of ultimately extending the authorization limit.

7 is a diagram illustrating an example of a screen when a payment is made online using a card payment system according to the present invention. FIG. 7 illustrates a screen displayed on a display device of a user terminal while a payment is in progress when a payment of 150,000 won is input by entering a card number of a composite transaction card in an internet shopping mall.

Reference numeral 710 denotes a screen for inputting a card number and an expiration date of the combined transaction card to make a payment for 150,000 won. As shown in the figure, when the payment is made online in the Internet shopping mall, the payment can be performed by inputting the card number and the expiration date of the compound transaction card as in the case of the payment using a normal credit card. When the user inputs the card number and the expiration date of the combined transaction card, the Internet server receiving the information on the card number and the expiration date transmits the information to the card settlement system, and the card settlement system based on the information. By identifying the card identification information, payment is made based on the card identification information.

Reference numeral 720 is a screen displayed to the user when the payment is not made in excess of the approval limit of the activated transaction account when the payment is made based on the identified card identification information. When the user activates the second transaction account for the credit card and deactivates the first transaction account for the prepaid card for the combined transaction card, the payment amount of 150,000 won is calculated as the amount of the activated second transaction account. If the authorization limit is exceeded, the payment cannot be authorized regardless of the authorization limit of the first transaction account.

Reference numeral 730 denotes a screen for asking a user whether to activate the deactivated first transaction account. As shown, if the payment amount exceeds the authorization limit of the activated trading account, and there is an inactive trading account, the card payment system may ask the user whether to activate the deactivated trading account. If the user chooses to activate the deactivated trading account, the card payment system activates the deactivated first trading account. Online, you can immediately ask a user whether or not to activate a deactivated trading account if the payment exceeds the approval limit of the active trading account. Simply activate the deactivated account without any account activation. It is available.

Reference numeral 740 denotes a screen indicating that the payment was successfully made through the activated first transaction account. As shown, by activating the deactivated first trading account, the composite trading card can perform payment as much as the approval limit of the first trading account. Therefore, payment for 150,000 won, which was not approved in excess of the approval limit of the second transaction account, is approved in consideration of the approval limit of the first transaction account.

As described above, according to the present invention, since the user can determine the activation or deactivation for the transaction account associated with the user's complex trade card, the normal credit card having one account by activating one account normally If you need to increase the limit quickly, you can activate the rest of the account and use it as a compound trading card.

8 is a flowchart illustrating a flow of a card payment method according to the present invention.

In step S801, a transaction account database for storing a first transaction account for a prepaid card and a second transaction account for a credit card is maintained corresponding to the plurality of card identification numbers. The first transaction account and the second transaction account include authorization limit information of the prepaid card and the credit card, respectively. The approval limit information sets a limit to which payment can be made when payment is made to a transaction account corresponding to the approval limit information.

In addition, the transaction account database maintained at step S801 may include information on whether each of the first and second transaction accounts is activated. The first transaction account and the second transaction account may be activated or deactivated, respectively. In the card payment system 301, a payment is made using a transaction account activated among the first transaction account and the second transaction account when the payment is performed. Perform In operation S801, transaction account selection information may be received from a user to activate or deactivate at least one of the user's first transaction account and the user's second transaction account.

Alternatively, the transaction account database maintained at step S801 may include priority information of each of the first transaction account and the second transaction account. The priority information is information for designating a transaction account to be used at the time of payment among the first transaction account and the second transaction account. In operation S801, the priority information may be received from a user and stored.

Further, according to another embodiment of the present invention, in step S801, one transaction account is stored in the transaction account database corresponding to one card identification information, and the transaction account corresponds to each of the prepaid card and the credit card. It may include approval limit information from. In this case, the transaction account database may also include respective priority information for the prepaid card and the credit card, and the priority information may be received from the user. In addition, the method of maintaining a transaction account database may be various applications.

In step S802, payment request information including user card identification information and payment amount information is received from a card merchant. The card affiliate includes all branches that can be paid using a credit card, and may include all sites that can be paid using a credit card online, such as an internet shopping mall. The offline card merchant can identify the card identification information recorded in the magnetic bar or IC circuit of the compound transaction card through the credit card terminal, and the online card merchant receives the card number, the card expiration date, etc. from the user. Card identification information may be identified based on the information. In addition, any method of identifying card identification information from a compound transaction card may be used. In operation S802, the payment request information may be received using a predetermined network interface through a communication network connected to the card affiliate store.

In step S803, the first transaction account and the second transaction account corresponding to the user card identification number received in step S802 are identified with reference to the transaction account database maintained in step S801. In operation S803, only an active trading account may be identified among the first trading account and the second trading account corresponding to the user card identification number, and both the first trading account and the second trading account may be identified regardless of activation. You may.

In addition, in step S803, when the transaction account database 310 stores and maintains one transaction account including the respective authorization limit information of the prepaid card and the credit card corresponding to the card identification number in the step S801. In, one transaction account corresponding to the user card identification information can be identified.

In step S804, it is determined whether to approve payment for the payment amount received in step S802 in consideration of the approval limit of the activated transaction account among the transaction accounts identified in step S803. If only one trading account of the identified trading accounts is activated, the payment is approved only if the payment amount does not exceed the approval limit of the activated trading account.

In addition, in step S804, when both of the transaction accounts are activated, it is determined whether to approve payment of the payment amount by first considering any one of the transaction accounts. If the transaction account database maintained in step S801 includes priority information for the transaction account, the transaction account to be considered as the priority is determined based on the priority information, and the transaction for the prepaid card and the credit card is performed. It is also possible to always consider the trading account of either account first.

In another step (S804), when the two trading accounts are activated, if the payment amount exceeds the approval limit of the transaction account considered first, it may additionally consider the approval limit of the remaining trading account.

The card payment method according to the present invention can be implemented in the form of program instructions that can be executed by various computer means and recorded in a computer readable medium. The computer readable medium may include program instructions, data files, data structures, etc. alone or in combination. Program instructions recorded on the media may be those specially designed and constructed for the purposes of the present invention, or they may be of the kind well-known and available to those having skill in the computer software arts. Examples of computer-readable recording media include magnetic media such as hard disks, floppy disks, and magnetic tape, optical media such as CD-ROMs, DVDs, and magnetic disks, such as floppy disks. Magneto-optical media, and hardware devices specifically configured to store and execute program instructions, such as ROM, RAM, flash memory, and the like. The medium may be a transmission medium such as an optical or metal wire, a waveguide, or the like including a carrier wave for transmitting a signal specifying a program command, a data structure, or the like. Examples of program instructions include not only machine code generated by a compiler, but also high-level language code that can be executed by a computer using an interpreter or the like. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above-described embodiments, which can be variously modified and modified by those skilled in the art to which the present invention pertains. Modifications are possible. Accordingly, the spirit of the present invention should be understood only by the claims set forth below, and all equivalent or equivalent modifications thereof will belong to the scope of the present invention.

According to the present invention, it is possible to use a credit card and a prepaid card as one complex transaction card according to a user's selection.

In addition, according to the present invention, when a payment is made using a compound transaction card, if the payment amount exceeds the authorization limit of any one of the credit card and prepaid card authorization limit, the user may separately consider another authorization limit. The effect is to make it easier to extend the approval limit without taking action. If you exceed the authorization limit for one transaction card, you can automatically use another authorization card's authorization limit without going through a denial of approval or verifying a separate account.

In addition, according to the present invention, by allowing the user to specify the priority for the authorization limit of the credit card and prepaid card, there is an effect that the authorization limit of the user wants to be considered first.

In addition, according to the present invention by enabling the user to activate or deactivate any one or more of the credit card and prepaid card, there is an effect that can be used in combination with the transaction card only when necessary.

In addition, according to the present invention there is an effect that can be integrated to manage the points for the use of credit and prepaid cards.

In addition, according to the present invention there is an effect that the user can simply increase the authorization limit of the complex transaction card simply by depositing cash in the withdrawal account of the financial institution associated with the prepaid card.

In addition, according to the present invention, by adding the approval limit of the prepaid card to the combined transaction card that is settled in the same way as the credit card, there is an effect that the prepaid card can be used even in merchants that cannot use the prepaid card.

In addition, according to the present invention, by simplifying the issuance procedure and payment means through one complex transaction card, there is an effect that it is possible to reduce the resources and costs of the system due to issuance and settlement of a plurality of transaction cards.

Claims (14)

In the payment system for a compound transaction card that can be used in parallel with a prepaid card and credit card with one card identification information, A transaction account database that stores a first transaction account for a prepaid card and a second transaction account for a credit card in response to a plurality of card identification numbers, the database including activation status and authorization limits for the transaction accounts; ; A payment request information receiving unit which receives payment request information including user card identification information and payment amount information from a card merchant; A transaction account identification unit for identifying a first transaction account and a second transaction account corresponding to the user card identification number with reference to the transaction account database; And A payment approval unit for determining whether to approve payment of the payment in consideration of the approval limit of the activated trading account by referring to the activation status of the identified transaction accounts. Card payment system comprising a. The method of claim 1, The transaction account database includes priority information for the first transaction account and the second transaction account; The payment approval unit If all of the trading accounts are activated, the approval limit of the high priority trading account is considered first. If the payment amount exceeds the approval limit, the card payment system, characterized in that to determine whether the payment approval further considering the approval limit of the other transaction account. The method of claim 2, And the transaction account database receives the priority information from a user. The method of claim 1, The transaction account database receives transaction account selection information from a user and activates or deactivates at least one of the user's first transaction account and the user's second transaction account based on the transaction account selection information. Card payment system characterized by. The method of claim 1, And the transaction account database determines whether to activate the second transaction account based on credit information of the first transaction account. The method of claim 1, The credit limit of the first transaction account is determined according to the balance of the deposit and withdrawal account of a predetermined financial institution. The method of claim 1, The prepaid card is a card payment system, characterized in that any one of the debit card or check card. The method of claim 1, Point management unit for integrating the points corresponding to the payment amount of the first transaction account and the second transaction account to the user card identification information Card payment system characterized in that it further comprises. The method of claim 1, The card merchant is a card payment system, characterized in that the merchant handling at least one or more of the credit card or prepaid card. In the payment system for a compound transaction card that can be used in parallel with a prepaid card and credit card with one card identification information, A transaction account database for storing a transaction account including respective authorization limits for the prepaid card and the credit card corresponding to the plurality of card identification numbers; A payment request information receiving unit which receives payment request information including user card identification information and payment amount information from a card merchant; A transaction account identification unit for identifying a transaction account corresponding to the user card identification number by referring to the transaction account database; And Payment approval unit for determining whether to approve payment of the payment in consideration of the authorization limit included in the identified transaction account Card payment system comprising a. The method of claim 10, The payment approval unit, if the payment amount exceeds the authorization limit of any one of the authorization limits for the prepaid card and the credit card, further considers the other authorization limit to determine whether to approve the payment. Card payment system. The method of claim 10, The transaction account further includes priority information for the prepaid card and the credit card, When the payment amount exceeds the approval limit of the card having the highest priority among the prepaid card and the credit card, the payment performing unit determines whether to approve the payment by further considering the approval limit of another card. Card payment system. In the payment method for a compound transaction card that can be used in parallel with a prepaid card and credit card with one card identification information, Maintaining a transaction account database for storing a first transaction account for a prepaid card and a second transaction account for a credit card in correspondence with a plurality of card identification numbers; wherein the database is in an active state and an authorization limit for the transaction accounts. Including-; Receiving payment request information including user card identification information and payment amount information from a card merchant; Identifying a first transaction account and a second transaction account corresponding to the user card identification number by referring to the transaction account database; And Determining whether to approve payment of the payment amount in consideration of an approval limit of an activated transaction account by referring to the activation state of the identified transaction accounts; Card payment method comprising a. A computer-readable recording medium having recorded thereon a program for executing the method of claim 13.

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