KR20070072819A - System and method for processing settlement of charge of check card use and recording medium - Google Patents

Abstract

A system and a method for processing payment of a use amount of a check card use, and a recording medium are provided to process the payment of the amount used in a predetermined use place by setting withdrawal preventing lock to a part of balance of a payment account and using the balance excluding the locked amount. An information storing part(105) stores lock setting condition information to a storage medium(135). An account operator sets the withdrawal preventing lock to the part of the balance deposited in the payment account of the check card based on the lock setting condition information. A payment processor(130) checks whether a check card use amount used in the predetermined use pace can be paid by the balance excluding the locked amount. If the payment of the check card use amount is possible, the payment processor pays the use amount with the balance excluding the locked amount. If the payment of the use amount is impossible, the payment processor pays the use amount by releasing the lock and using the locked balance.

Description

System and Method for Processing Settlement of Charge of Check Card Use and Recording Medium}

1 is a view showing an account management system for micropayment processing according to an embodiment of the present invention.

2A and 2B are diagrams illustrating a process of setting a lock according to predetermined lock setting condition information according to one embodiment of the present invention.

3 is a diagram illustrating a process of updating preset lock setting condition information according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of performing a batch settlement process for a small payment amount of a customer check card according to an exemplary embodiment of the present invention.

5 is a diagram illustrating a process of resetting a lock on a part of the deposit amount of a customer check card payment account according to an exemplary embodiment of the present invention.

6 is a diagram illustrating a process in which a batch settlement process for a small payment amount of a customer check card is performed according to another embodiment of the present invention.

7 is a diagram illustrating an information storage medium according to one embodiment of the present invention.

8 is a view showing in detail the customer information stored in the information storage medium according to an embodiment of the present invention.

9 is a diagram illustrating in detail a customer check card information stored in an information storage medium according to an embodiment of the present invention.

10 is a view showing in detail the lock setting condition information stored in the information storage medium according to an embodiment of the present invention.

11 is a view showing in detail the lock release condition information stored in the information storage medium according to an embodiment of the present invention.

12A and 12B are simple conceptual views to which lock setting condition information stored in an information storage medium is applied according to an exemplary embodiment of the present invention.

13 is a simple conceptual diagram to which lock release condition information stored in an information storage medium is applied according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

100: system 105: information storage means

110: condition setting means 115: accumulation means

120: release means 125: information transmission means

130: settlement processing means 135: storage medium

140: Small payment terminal

The present invention relates to a check card payment processing method and system and a program recording medium therefor.

A check card uses a conventional credit card-based electronic payment system resources, interlocks the card with a predetermined bank account provided in a predetermined financial system, and transfers the payment amount using the check card through the financial system. Withdrawal from the customer's account and transfer to the card company's mother account, the electronic payment processing in the form of debit as long as there is a balance in the customer's account, and if the balance of the customer's account is insufficient, generates a customer credit to postpay form such as a credit card It is an electronic payment method that processes electronic payment.

The check card as described above purchases the credit card payment slip within the period defined by the credit card company, and pays the payment amount contained in the slip to the merchant within the prescribed period, and then the customer makes the payment. There is an advantage that can solve the problem of paying the payment amount as a debt until the amount is settled.

However, in Korea, the check card is issued mainly for minors and / or bad credit holders who have no credit (or little credit), whereby the credit card's credit limit is zero (0). If the balance of the customer account is insufficient, the electronic payment through the check card includes a problem that is not approved.

The policy of issuing and operating such a check card is also applied to general customers who have a certain customer credit (for example, a credit limit can be defined). If the balance is insufficient, it may cause customer credit, and thus may not be able to process electronic payments in the form of post-payments such as credit cards.

However, if the balance of the customer's account is insufficient when the check card is issued mainly for minors and / or creditors who do not already have credit (or almost no credit), the customer may generate a customer credit to postpay form such as a credit card. There is a difficult problem with the credit card company policy, and the risks caused by the card company include the fatal problem that the card company burdens.

An object of the present invention is derived to solve the above problems, the customer check card information, account information associated with the customer check card and the payment for the payment processing processing collateral at a specific use using the check card The predetermined lock setting condition information for setting a withdrawal prevention lock for a part of the amount deposited in the account is interworked and stored in a predetermined storage medium, and linked with the storage medium (or the storage medium operating means). Based on the lock setting condition information, the amount of money deposited in the account when a request for settlement of payment at a specific user using the check card is set by setting a withdrawal lock for a part of the money deposited in the account. Payment settlement processing at a specific user using the check card by using an amount excluding the set amount of the lock If it is possible to process the payment for payment at a specific use place using the check card by using the amount other than the amount of the lock set among the amounts deposited in the account, as a result of the check, The present invention provides a check card payment processing system and method for processing a payment for payment at a specific user using the check card using the excluded amount.

In addition, the present invention, if it is impossible to settle the payment for payment at a specific user using the check card using the amount of money deposited in the account except the amount of the lock is set, the set lock A settlement processing means for releasing and processing settlement payment at a specific use place using the check card by using a part or all of the set amount of the withdrawal prevention lock; A processing system and method are provided.

In order to achieve the above object, the check card payment settlement method proposed by the present invention may include customer check card information, account information associated with the customer check card, and a specific use destination using the check card. An information storing step of linking and processing predetermined lock setting condition information for setting a withdrawal prevention lock for a part of the amount deposited in the account for collateral use settlement processing collateral and storing it in a predetermined storage medium; Account withdrawal prevention that sets a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in connection with the storage medium (or the storage medium operating means) in a predetermined account operating means. Lock setting step; When requesting for payment of a use price at a specific use place using the check card, at a specific use place using the check card by using an amount excluding the amount of the lock setting among the amounts deposited in the account by a predetermined settlement processing means. Confirming whether payment processing is possible; And when the payment is settled at a specific user using the check card by using an amount other than the amount of the lock set among the amounts deposited in the account, the amount excluding the amount set by the lock is determined. Process the settlement of the use price at the specific use place using the check card, and at the specific use place using the check card by using an amount excluding the amount for which the lock is set among the amounts deposited in the account as a result of the confirmation. A settlement processing step of releasing the set lock and processing the settled payment at a specific user using the check card using a part or all of the set amount of the withdrawal lock when the settled payment settlement is impossible; Characterized in that comprises a.

On the other hand, the check card payment processing method according to the present invention. Prevents withdrawal of a portion of the amount deposited in the account for processing of the customer check card information, the account information associated with the customer check card, and the payment for payment at a specific user using the check card in a predetermined information storage means. An information storing step of linking predetermined lock setting condition information for setting a lock and storing the lock setting condition information in a predetermined storage medium; Account withdrawal prevention that sets a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in connection with the storage medium (or the storage medium operating means) in a predetermined account operating means. Lock setting step; And upon request for payment of the use price at a specific use place using the check card, releases the lock set to the account at a predetermined settlement processing means, and uses the check card using the check card using the set amount of the withdrawal lock. Settlement processing step of processing the use price settlement in the; characterized in that it comprises a.

According to the present invention, after the settlement processing through the settlement processing step in the account operation means, withdrawal prevention lock for a part of the amount deposited in the account for the settlement of the use price payment at a specific user using the check card; It further comprises the step of resetting the.

According to the present invention, the predetermined information transmitting means, in connection with the customer communication means, further comprising the step of performing the lock setting information notification and / or approval processing of the account.

According to the present invention, the use price at a specific use place using the check card is characterized by including a small payment amount such as a transportation fee.

According to the present invention, the lock setting condition information includes lock setting target specific use destination information and lock setting amount information, lock setting period information, lock automatic resetting information, and customer communication means at lock setting. It characterized in that it comprises at least one or more setting information whether or not to transmit the approval or confirmation message.

On the other hand, the present invention includes a computer-readable recording medium characterized by recording a program for executing the above-mentioned check card payment processing method.

On the other hand, the check card payment processing system according to the present invention, the customer check card information, the account information associated with the customer check card and the payment for the payment settlement processing collateral at the specific use using the check card to the account; Information storage means for interlocking predetermined lock setting condition information for setting a withdrawal prevention lock for a part of the deposited amount in a predetermined storage medium; Account management means for setting a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in association with the storage medium (or storage medium operating means); When requesting payment for payment at a specific location using the check card, is it possible to process payment for payment at a specific location using the check card using an amount excluding the amount for which the lock is set among the amounts deposited in the account? If it is possible to process the payment for payment at a specific user using the check card by using the amount of money deposited in the account except the amount of the lock, the amount of the lock is excluded. The amount of money is used to settle the use price at a specific point of use using the check card, and as a result of the confirmation, the specific use using the check card using an amount excluding the amount of the lock is set among the amounts deposited in the account. If it is impossible to settle the use price at the customer's office, the set lock is released and the Anti-settlement processing means for processing the Lock is used to settle the charges on the specific use of processing by any or all of the amount of money set by the check card; including characterized in that formed.

On the other hand, the check card payment processing system according to the present invention, the customer check card information, the account information associated with the customer check card and the deposit in the account for the payment processing at the specific use using the check card Information storage means for interlocking predetermined lock setting condition information for setting a withdrawal prevention lock for a partial amount of the set amount and storing the predetermined lock setting condition information in a predetermined storage medium; Account management means for setting a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in association with the storage medium (or storage medium operating means); And when requesting for payment for a use at a specific user using the check card, releases the lock set for the account, and uses the amount for which the withdrawal lock is set to settle the use for payment at the specific user using the check card. Settlement processing means for processing; characterized in that comprises a.

According to the invention, it is characterized in that it further comprises information transmission means for performing the lock setting information notification and / or approval process of the account in association with the customer communication means.

According to the invention, each of the means is characterized in that provided in a single server, or provided in a plurality of servers.

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention.

However, the drawings and the following description are to be described with reference to the preferred embodiment of the various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below.

In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be based on the contents throughout the present title.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and will be described mainly on the functional configuration to be additionally provided for the present invention.

If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

Accordingly, the technical spirit of the present invention is determined by the claims, and the following embodiments are merely means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. Reveal that

1 is a diagram illustrating a check card payment processing system according to an embodiment of the present invention.

In more detail, in Figure 1, a part of the amount of the customer's check card payment account is set as a small payment amount, and the lock is set so as not to be withdrawn, and at least one small payment amount using the customer's check card is added together. As one embodiment of a check card payment processing system to be settled at a predetermined amount of the customer check card payment account by a person having ordinary knowledge in the technical field to which the present invention belongs, Figure 1 By referring to and / or modifying, the process of setting a lock on a part of the amount of the customer's check card payment account, releasing the set lock, and collectively settingtle the small payment processing amount with the unlocked amount It will be possible to infer an implementation method, but the present invention is not limited by the inference method. It shall specify the niham.

Referring to FIG. 1, the check card payment settlement system may be used to withdraw a portion of the amount deposited in the customer check card payment account in order to collectively process at least one or more micropayments using a customer check card. Information storage means for cooperatively processing the lock setting condition information for setting the anti-lock, the customer check card information and the check card payment account information, and storing the information on a predetermined storage medium; and locking the customer check card payment account stored in the storage medium. Condition setting means for setting a lock so that a part of the amount deposited in the customer check card payment account is not withdrawn until the micro payment batch settlement process is performed according to the setting condition information, and payment through the customer check card When the processing request is made, the amount requested to be processed is a small payment amount (e.g. traffic Gold, 3,000 won or less, ...), and accumulate or accumulate the micropayment amount, and the settlement medium (or storage medium operating means) when the settlement of the micropayment amount is settled. Verification means for extracting the accumulated or collected amount information of the micro-payment processing stored in association with the customer check card information to confirm the micro-payment amount to be settled, and for the settlement of the micro-payment amount confirmed from the storage medium; Lock release means for releasing the lock for the set amount of the customer check card payment account, and settlement processing means for calculating the small payment amount of the customer check card with the amount of the customer check card payment account for which the lock is released It is made, including.

The information storing means collects at least one small payment amount using the customer check card, withdraws a part of the amount of the small amount settled in the collected small payment amount and the amount deposited in the customer check card payment account for another use. And lock setting condition information defined to set the lock to prevent the lock from being stored in the storage medium in association with the customer check card information and the check card payment account information.

According to the present invention, the lock setting condition information, the amount of information that the lock is set for the settlement of the small payment amount of the deposit amount of the customer check card payment account, the small payment limit amount information and the small payment amount It may include the type of micropayment to be settled, the lock setting period information, the lock reset time information, the setting information of whether or not to send the approval or confirmation message to the customer communication means when setting the lock, and the lock setting condition information is as follows. The storage medium storage information of FIG. 7 and the lock setting condition information of FIG. 10 will be described in more detail.

According to another exemplary embodiment of the present invention, a plurality of lock setting condition information may be set to correspond to each of the small payment types and each payment amount.

For example, when the lock setting condition information for the traffic fare settlement process is set and stored, the lock amount is set as the amount for the traffic fare settlement processing according to the amount of the deposit amount of the customer check card payment account according to the lock setting condition information. Can be set.

In another embodiment, when lock setting condition information for settlement of a payment amount of 3,000 won or less is set and stored, a partial amount of the deposit amount of the customer check card payment account is 3,000 won or less according to the lock setting condition information. The lock may be set as an amount for settlement processing of the settlement amount.

In addition, the information storing means, when the small payment amount requested to be processed due to the use of the customer check card is accumulated or collected through the small payment amount accumulating means, the accumulated or aggregated small payment amount in real time or periodically And store in the storage medium in association with customer check card information and / or customer check card payment account information.

Here, the information storage means, if the small amount of the check card payment is accumulated or collected, the small amount of payment is accumulated or collected by the amount of small payment subject included in the lock setting condition information, or by the payment processing type, Alternatively, the information may be stored in the storage medium according to the settlement target company (or institution).

The information storage means may store the lock release condition information corresponding to the lock setting condition information in the storage medium in association with the customer check card information and / or the customer check card payment account information and / or the lock setting condition information. Can be.

Here, the lock release condition information is a set amount of the lock of the customer's check card payment account according to the lock setting condition, the lock is set amount to perform the small settlement payment settlement processing according to the present invention, for the set amount of the lock It includes predetermined condition information for releasing the lock, wherein the lock release condition information may include information such as when the lock is released (time), whether or not to accept the lock (approval), and whether or not to transmit a message for unlocking the lock. Next, the storage medium storage information of FIG. 7 and the lock release condition information of FIG. 11 will be described in detail.

The condition setting means, when the lock setting condition information for a partial amount of the customer check card payment account deposit amount is stored in the storage medium through the information storage means, the lock setting condition information of the customer stored in the storage medium is stored. By referring to the information, the amount of money to be set for the lock is settled.

In addition, the condition setting means may query the deposit amount of the customer check card payment account to determine whether the lock setting for the confirmed amount of the small payment amount is possible, and determine the micro payment as the deposit amount of the customer check card payment account. If it is possible to set the lock of the amount for the settlement of payment, characterized in that the lock is set so that the small payment settlement amount from the customer check card payment account deposit amount is not withdrawn until the settlement processing time.

For example, in the process of setting a lock amount for the small settlement, the amount of money decided to set the lock for the small settlement settlement according to the lock setting condition information as a result of checking the deposit amount of the customer check card payment account. If the customer's check card payment account is larger than the amount currently deposited (such as insufficient balance), the lock setting process according to the lock setting condition information cannot be successfully performed, and at this time, the change or check of the lock setting amount is not performed. It is preferable to transmit a card payment account shortage message to the customer communication means.

The process of setting a partial amount (a small amount of settlement settlement amount) to the deposit amount of the customer check card payment account of the condition setting means will be described in more detail with reference to FIGS. 2A and 2B below.

The micro payment amount accumulating means may include a micro payment limit amount (eg, 3,000 won) in which the payment processing requested amount is included in the lock setting condition information during the predetermined payment processing by the customer. Or when the payment processing type is a small payment object (eg, a transportation fare) included in the lock setting condition information, accumulating or collecting the amount requested for the payment processing by a small payment target amount or a small payment type. The cumulative or collecting process may be repeatedly performed until the settlement time for the micropayment amount, and after the settlement, the cumulative or collecting process is updated until the settlement time.

For example, if the customer requests a payment processing fee of 1,500 won using a check card, the micro payment amount accumulating means accumulates or collects the 1,500 won in the pre-stored transportation fee payment amount on the storage medium.

In the meantime, when the customer makes a predetermined payment process using a check card, if the amount requested for payment processing does not correspond to the small payment target amount included in the lock setting condition information or the payment processing type, The amount requested for payment processing is preferably withdrawn from the deposit amount other than the amount of the lock is set in accordance with the present invention among the deposit amount of the customer check card payment account is processed.

The lock release means, when the settlement processing request for the small payment amount, the lock for the amount of the lock is set among the deposit amount of the customer check card payment account according to the lock release condition information set corresponding to the lock setting condition information By releasing, the following settlement processing means may settle the small settlement price requested for the settlement processing by the amount of the lock release (a predetermined amount as the small settlement price).

The settlement processing means is characterized in that for performing the settlement processing for the small settlement payment to be processed (or settled requested) from the storage medium through the small settlement payment confirmation means, the settlement processing is set to the lock It is preferable that the amount is settled according to the amount of the small settlement included in the condition information, or the small settlement amount collected or accumulated according to the payment processing type.

For example, the small payment amount collected or accumulated according to the lock setting condition information for the processing of the transportation fare is transferred from the customer check card payment account to the account of the transportation fare agency (for example, bus transportation business association, subway construction, etc.). It can be transferred and settled.

In addition, according to the present invention, in the check card payment processing system shown in FIG. 1, the lock setting condition for the condition setting means to collectively process the settlement of at least one or more micropayments using the customer check card. In response to the information, in the process of setting the lock to prevent the withdrawal of some of the money deposited in the customer check card payment account for other purposes, the customer communication message requesting a predetermined approval (or confirmation) of the lock setting; It may be configured to further include information transmitting means for transmitting to the means.

In addition, the information transmission means, the cumulative or aggregated in the process of accumulating or aggregating the amount of the payment processing requested by the amount of the small payment target or a small amount of payment according to the use of the customer check card, the small payment amount accumulation means The amount information can be sent to the customer communication means periodically or in real time to notify.

The information transmitting means may further include, when the lock release means requests settlement of the small payment amount, from among the deposit amount of the customer check card payment account according to the lock release condition information set corresponding to the lock setting condition information. In the process of releasing the lock with respect to the set amount of lock, a message requesting a predetermined approval (or confirmation) for releasing the lock may be transmitted to the customer communication means.

Further, the information transmitting means may include a message requesting a predetermined approval (or confirmation) of the collective settlement, and / or of the micro settlement, when the settlement processing unit collectively setstles the small settlement amount according to the present invention. A message containing the details of the settlement can be transmitted to the customer communication means.

According to the present invention, the customer communication means for receiving predetermined information from the information transmitting means includes a wireless terminal including at least one or more of a mobile phone, a PDA, a portable Internet phone, and telematics, a wired terminal (PC, etc.), and a communication function. The electronic device may include at least one home appliance, an e-mail, a blog, a messenger, and a bulletin board in a website (or a homepage).

The illustrated financial system is connected to the check card payment processing system through a predetermined network means to process affairs such as accounting and information for the operation of the payment account associated with the customer check card. .

The financial system, which is linked to the check card payment processing system and a predetermined network means, setstles the check card using payment according to the operation of a customer check card payment account with a predetermined lock for collective settlement of the small payment amount. To process the credit service or the receiving service generated by (or requested) the processing system, and the information of the account system and the information support task required for the check card payment processing system to operate the customer check card payment account. It can be made with a system.

According to another exemplary embodiment of the present invention, the financial system includes a predetermined financial institution (for example, a commercial bank corresponding to the first financial right, or a second financial right) interworking with a check card settlement processing system through a predetermined network means. Card company, savings bank, etc.), the financial system may further include an external system for interworking the check card payment processing system and the financial system through the network means.

Here, the network means may comprise a financial common network and / or the Internet on which a predetermined financial security system is mounted, whereby the present invention is not limited.

Referring to FIG. 1, the storage medium interworking with the information storage means may be configured to set a portion of the amount deposited in the customer check card payment account on the check card payment processing system according to the present invention. Lock setting condition information for setting the lock so that the amount set as the small settlement amount of the settlement account is not withdrawn before the settlement of the small settlement amount, and the customer check card payment for the settlement of the small settlement amount; And lock release condition information for releasing the lock set to a partial amount of the account deposit amount.

The lock setting condition information and the lock release condition information may be stored in association with the customer information and / or the customer check card information and / or the customer check card payment account information, and the information may be stored in the storage medium. Preferred embodiments will be described in more detail with reference to FIG. 7.

According to an embodiment of the present invention, the storage medium is implemented in the form of a predetermined database management system (DBMS), and / or in the form of a predetermined data server, and / or settles the check card usage fee. All of them can be implemented in the form of a predetermined information storage-related function configuration unit provided in the processing system, thereby the present invention is not limited.

In addition, the storage medium is operated through a predetermined storage medium operating means, wherein the check card payment processing system interoperates with the storage medium operating means to access the storage medium.

According to the present invention, the check card payment processing system, characterized in that connected to the value added network (VAN) or financial common network or the Internet (eg, ADSL / VDSL / Cable Network, etc.), for example, the check When the card payment settlement processing system is connected to the VAN, the check card payment settlement processing system may be linked with the VAN company server, or may include a VAN company server.

In addition, when the check card payment processing system is connected to a financial common network or the Internet (eg, ADSL / VDSL / Cable Network, etc.), the system interworks with a financial system including a card company or a bank, or the financial system. It may be included in the configuration.

According to the present invention, each of the means included in the check card payment processing system is characterized in that provided in a single server (or device) or a plurality of servers (or devices).

Here, when each of the means is provided in a single server (or device) (e.g., an account management server (or device)), each of the means is a predetermined functional component (e.g. information on the server (or device)). Storage unit, condition setting unit, information confirmation unit, micropayment amount accumulation unit, lock release unit, settlement processing unit, etc.).

In the embodiment described below, including the following Figure 2, for convenience, the account management server including at least one or more functional configuration means provided in the check card billing processing system described in Figure 1 in the form of the functional configuration unit; It will be described as the implementation process of the present invention through.

2A and 2B illustrate a process of setting a lock according to predetermined lock setting condition information according to one embodiment of the present invention.

Figures 2a and 2b is set on the check card payment settlement processing system according to the present invention, by setting a portion of the amount deposited in the customer check card payment account as a micro payment processing price, before the payment processing of the micro payment processing price Lock setting condition information for setting a withdrawal prevention lock to prevent the withdrawal of the amount set as the small payment processing amount of the account deposit amount, and a lock set to a partial amount of the customer check card payment account deposit amount for the settlement of the small payment amount Is a diagram illustrating a process of setting a lock for a small payment amount of money deposited in a customer check card settlement account based on the stored information, wherein the lock release condition information for releasing the lock is stored in a predetermined storage medium. .

According to an exemplary embodiment of the present invention, FIG. 2A shows the lock setting condition information and the lock release condition information in connection with the check card information and / or check card payment account information issued by the customer in the process of receiving the check card. 2B shows the lock setting condition information and the lock release condition information for the batch settlement processing of the micro payment amount according to the present invention using a check card previously issued by a customer. It shows a process of storing in the storage medium in association with customer check card information and / or check card payment account information.

Referring to FIG. 2A, the illustrated embodiment may be started from the process of receiving the customer check card issuing request information at the account management server (200a).

The check card issuing request information may basically include information required for issuing a check card (for example, customer personal information, payment account information to be associated with the check card, etc.), and may also include a small payment amount according to the present invention. The lock setting condition information and lock release condition information registration request information for batch settlement processing may be further included.

The account management server checks whether the lock setting condition information and the lock release condition information registration request information are included in the customer check card issuing request information and collectively settles a small payment amount among the deposit amount of the customer check card payment account to be issued. It is determined whether or not to lock the amount of money (205a).

As a result of the determination, if the lock is set to the amount for the small settlement payment settlement among the deposit amount of the customer check card payment account to be issued (210a), the account management server locks the lock setting condition information and the lock from the customer. The release condition information is received (215a).

Here, the lock setting condition information may be settled by the amount information of the lock set for the settlement of the small payment amount, the small payment limit amount information, and the small payment amount of the deposit amount of the customer check card payment account. It may include a small payment type, lock setting period information, lock reset time information, setting information of whether or not to send the approval or confirmation message to the customer communication means when setting the lock, the lock release condition information is the lock setting In order to perform the small settlement payment settlement process according to the present invention with the set amount of lock of the deposit amount of the customer check card payment account according to the condition, the lock includes predetermined condition information for releasing the lock on the set amount. , The lock release condition information is when the lock release time (time), whether to agree (approve) to release the lock, message transmission for unlocking It can comprise a portion of information and the like.

The account management server stores the received lock setting condition information and the lock release condition information in a predetermined storage medium in association with the check card information and the check card payment account information (220a).

According to the present invention, if a lock setting for a part of the deposit amount of the customer's check card payment account is requested based on the lock setting condition information stored in the storage medium (225a), the account management server works in conjunction with the storage medium. The lock setting condition information associated with the check card information confirms the amount of money to be set (eg, the amount to be used as a small payment amount) (230a).

In addition, the account management server checks the check card payment account information associated with the customer check card, and by looking up the deposit amount of the confirmed payment account (235a), by confirming the deposit amount of the customer check card payment account Then, it is checked whether the lock setting of the lock setting target amount of money is possible (240a).

If the lock setting target amount cannot be set as the deposit amount of the customer check card payment account, the account management server may check the customer communication means and transmit a lock setting impossible message to the customer communication means (245a). .

On the other hand, if the lock setting target amount is set as the deposit amount of the customer check card payment account (250a), the account management server is set to the partial amount set as the lock setting target amount of the deposit amount of the customer check card payment account. The withdrawal prevention lock is set so that the withdrawal is not withdrawn before the small settlement payment settlement process according to the present invention (255a).

Referring to FIG. 2B, in the illustrated embodiment, the account management server receives lock setting request information for a partial amount of a check card payment account deposit amount for processing a small settlement of a small payment amount of a check card from a predetermined customer. It may be started from the process (200b).

Then, the account management server checks the customer check card information and payment account information included in the lock setting request information (205b), and the lock setting condition information for the check card micropayment collective settlement process according to the present invention from the customer (And lock release condition information) are received (210b). The received lock setting condition information, the customer check card information, and the payment account information are cooperatively stored and stored in a predetermined storage medium (215b).

According to the present invention, if a lock setting for a part of the deposit amount of the customer check card payment account is requested based on the lock setting condition information stored in the storage medium, the account management server works with the storage medium to check the customer check card information. Information on the amount of money to be set (for example, the amount to be used as a small payment) is checked from the lock setting condition information associated with the control unit 220b.

In addition, the account management server checks the check card payment account information associated with the customer check card, inquires the deposit amount of the confirmed payment account (225b), and confirms the deposit amount of the customer check card payment account. By determining whether the lock setting target amount of money is possible to lock setting (230b), if the lock setting target amount cannot be set as the deposit amount of the customer check card payment account, the account management server determines the customer communication means. In operation 235b, the lock setting impossible message may be transmitted to the customer communication means.

On the other hand, if the lock setting target amount is set as the deposit amount of the customer check card payment account (240b), the account management server is set to the partial amount set as the lock setting target amount of the deposit amount of the customer check card payment account. The withdrawal prevention lock is set so that the withdrawal is not withdrawn before the small settlement payment settlement process according to the present invention (245b).

3 is a diagram illustrating a process of updating preset lock setting condition information according to an exemplary embodiment of the present invention.

3 is a withdrawal prevention lock for a small payment processing value among the amounts deposited in the customer check card payment account according to the lock setting condition information stored in the storage medium, as shown in the process of FIGS. 2a and 2b. And a process of requesting the customer to release the lock according to the lock setting condition information, or requesting modification of the lock setting condition information, and updating the lock setting condition information stored in the storage medium according to the request. One drawing.

Referring to FIG. 3, as shown in FIG. 2A and FIG. 2B, a portion of the deposit amount of the customer check card payment account is set for a small settlement settlement process of the customer check card through the account management server. After the process of setting the withdrawal lock for the bank is preceded (300), the customer who wants to release the set lock or modify the lock setting condition information starts from the process of accessing the account management server through a wired or wireless communication means. It may be 305.

When the account management server receives the request information for canceling the withdrawal lock setting (or correcting lock setting condition information, newly registering lock setting condition information, etc.) from the connected customer (310), the account management server communicates with the customer. By means of this, the lock setting release (or correction of lock setting condition information, new registration of lock setting condition information, etc.) is transmitted (315).

According to the method of the present invention, the account management server is in the process of connecting the customer, or in the process of inputting / selecting the interface for canceling the lock setting (or modifying lock setting condition information, newly registering lock setting condition information, etc.), The access procedure may be performed for the connected customer, for example, subscriber authentication or authentication code authentication using the customer wireless terminal, authentication certificate authentication provided in the customer communication means, ID (ID) / password (PW) authentication. It may include at least one.

Then, the customer may input (or select) lock setting release (or modify lock setting condition information, new registration of lock setting condition information, etc.) through the interface transmitted to the communication means (320). The server receives (325) lock setting release (or lock setting condition information correction, lock setting condition information new registration, etc.) information input (or selected) through the interface from the communication means.

The account management server releases the lock setting (or lock setting condition information correction, lock setting condition information new) according to the received lock setting release information (or lock setting condition information correction, lock setting condition information new registration, etc.). Registration, etc. (330), and the pre-stored in association with the customer check card information and the check card payment account in the storage medium according to the lock setting release (or lock setting condition information correction, lock setting condition information new registration, etc.) The information is updated and stored (335).

4 is a diagram illustrating a process of performing a batch settlement process for a small payment amount of a customer check card according to an exemplary embodiment of the present invention.

As shown in FIG. 2A and FIG. 2B, FIG. 4 sets a portion of the amount deposited in the customer's check card payment account as a small payment amount, and includes a portion of the payment account deposit amount before the settlement of the small payment amount. Release the lock setting condition information for setting the withdrawal prevention lock so that the amount set for the micro payment processing amount is not withdrawn, and the lock set for the partial amount of the customer check card payment account deposit amount for the settlement of the micro payment amount. Lock release condition information is stored in a predetermined storage medium, and after the lock is set for the micro payment processing amount among the amounts deposited in the customer check card payment account based on the stored information, A diagram illustrating a process of collectively processing one or more check card micro payments.

Referring to FIG. 4, the account management server may start from receiving a payment approval request using a customer check card transmitted from a predetermined terminal (or server) (400).

According to an embodiment of the present invention, when the account management server is provided in the card company system, the terminal (or server) may be a value added network (VAN) server, and the account management server is provided on the VAN. In this case, the terminal (or server) may be a merchant payment terminal.

When the payment approval request using the customer check card is received, the account management server is a terminal for transmitting the full payment approval request or the predetermined amount of the small amount of the payment approval request from the payment approval request full text (or The server checks the information and determines whether the payment amount is small (405).

In this case, the account management server reads the customer check card number included in the full payment approval request message, refers to the lock setting condition information corresponding to the read check card number in association with the storage medium, and performs the payment. It may be determined whether the approval request amount is a small payment amount according to the present invention.

According to the present invention, the lock setting condition information previously stored in the storage medium in association with the customer check card information may include: information on the amount of money to be set for the settlement of the small payment amount among the deposit amount of the customer check card payment account; Information on the amount of the micropayment limit, the type of micropayment to be settled by the micropayment amount, the lock setting period information, the lock reset time information, and the setting of whether to send the approval or confirmation message to the customer communication means when setting the lock For example, if the payment request amount is 2,500 won, and check the pre-stored lock setting information associated with the customer check card, and set the payment request amount less than 3,000 won as a small payment limit amount, The account management server may determine the payment amount (2,500 won) as a small payment amount according to the present invention.

As described above, when the requested amount of payment approval is confirmed as a predetermined small payment amount according to the lock setting condition information (415), the account management server performs the settlement of the small payment amount for the check card in cooperation with the storage medium. After confirming the lock setting condition information for the payment (420), the previously settled payment request micropayment amount information according to the same setting conditions (for example, the micropayment limit amount less than 3,000 won, or transportation charges) Confirm and accumulate and store the requested small payment amount (425).

Preferably, the cumulative storage process of the small payment amount requested for payment may be repeatedly performed until the small settlement amount settlement process according to the present invention is performed.

On the other hand, when a collective settlement request for the accumulated small payment amount is received (430), the account management server checks the lock release condition information stored in association with the customer check card in association with the storage medium and the customer. In operation 435, the lock on the predetermined amount of the small amount of the deposit amount of the check card payment account is released (435), and the accumulated small amount of the small amount is settled to the amount of the unlocked amount (440).

According to the method of the present invention, in the process of releasing the lock, the account management server checks the communication means information associated with the customer check card information, the predetermined approval for the release of the lock to the customer communication means ( Or consent), and at this time, the account management server may perform the lock release process after obtaining the approval (or consent) from the customer.

According to the exemplary embodiment of the present invention, the account management server may perform settlement processing for each small settlement amount collected or accumulated according to the small settlement target amount included in the lock setting condition information or the payment processing type. As described above, the small amount of the settlement amount accumulated or accumulated according to the lock setting condition information for the processing of the transportation fare is settled in the customer check card payment account (eg, bus transportation business association, subway construction, etc.). It is preferable that the funds are transferred to the account of) and processed.

According to another exemplary embodiment of the present invention, when the accumulated small payment amount cannot be settled with the amount of the unlocked lock (e.g., the amount of the lock set among the customer check card payment account deposit amount is 20,000 won, Cumulative settlement amount is 25,000 won, etc.), the account management server settles the portion of the settlement amount (20,000 won) by the set amount (20,000 won) of the lock, and from the deposit amount of the customer check card payment account The remaining amount (5,000 won) of the amount to be settled may be settled.

5 is a diagram illustrating a process of resetting a lock on a part of the deposit amount of a customer check card payment account according to an embodiment of the present invention.

FIG. 5 releases the lock on the set amount of the lock for use as a small payment amount among the deposit amount of the customer check card payment account through the process of FIG. 4 described above, and checks the customer with the unlocked amount. After processing the small settlement amount according to the use of the card in a batch, the process of resetting some of the deposit amount of the customer check card payment account to the small settlement amount.

Referring to FIG. 5, the illustrated embodiment may be started from a process in which the account management server determines whether to reset the lock of the expected settlement amount of the customer check card payment account (500).

Here, whether or not to reset the lock for the settled settlement amount is automatically reset according to the lock setting condition information previously stored in the storage medium when the settlement processing of the small payment amount accumulated at a predetermined time is completed as shown in FIG. Alternatively, the lock may be reset upon receiving the lock setting condition information at the request of the customer.

At this time, the account management server may request a reset of the lock or transmit a message requesting approval (or consent) to the reset to the customer communication means.

If it is determined to reset the lock on the scheduled settlement amount (505), the account management server inquires the balance of the payment account associated with the check card (510), the balance of the check card payment account is the lock; First, it is checked whether the settled micropayment settlement amount is included (515).

If the balance of the customer check card payment account is not found to be sufficient to reset the small payment settlement amount, the account management server is configured to settle the settlement amount of the check card settlement account to the customer communication means. Transmits a lock reset error message (520), and updates information (e.g., lock setting condition information, etc.) previously stored in association with the customer information or customer check card information in the storage medium according to the lock reset error history. It may be (525).

On the other hand, if the balance is sufficient to reset the predetermined amount of the small settlement settlement processing (530), the account management server checks the customer by referring to previously stored lock setting condition information in association with the customer check card information. The lock is reset (535) using a portion of the balance of the card settlement account as the small payment settlement expected amount.

In this process, when the customer wants to modify the lock setting condition information previously stored in the storage medium, the account management server may further receive the lock setting condition information to be modified from the customer as shown in FIG.

As described above, when a part of the balance of the customer check card payment account is reset to a predetermined amount for the small payment settlement processing, the account management server provides the customer with a lock reset history for the expected amount of the settlement processing for the customer check card payment account. The notification is sent to the communication means (540).

6 is a diagram illustrating a process in which a batch settlement process for a small payment amount of a customer check card is performed according to another embodiment of the present invention.

In FIG. 6, as shown in FIG. 12B, the lock setting condition information is set so as to correspond to each of the small payment limit amount or the small payment type, or the small settlement limit amount information or the small settlement to be collectively settled in the lock setting condition information. When the type information is included, it is a view showing a small settlement amount batch settlement process according to the present invention.

Referring to FIG. 6, the small settlement amount collective settlement process according to the present invention is characterized in that the settlement is separately divided by the small settlement amount and the small settlement type.

In the present embodiment, a customer check card for processing a small amount of a small payment amount is processed by the account management server by at least two small payment limit amounts (for example, 3,000 won or less) or by a small payment type (for example, a transportation fare). 600 may be started from a process of setting a withdrawal lock for a predetermined amount of a deposit amount of a payment account.

Referring to FIG. 4, when a payment approval request message (or information) using a customer check card is received from a predetermined terminal (or server) to the account management server (605), the account management server requests the payment approval. It is determined whether the amount is a predetermined micropayment limit amount or a micropayment type (610).

If the payment approval request sent from the terminal (or server) is a micropayment limit amount included in the lock setting condition information previously stored in the storage medium or a micropayment type (615), the account management server determines the payment. Check the small payment amount or the small payment type (or the small payment approval request merchant) requested for approval (620), and check the small payment limit amount or the small payment type (or the small payment approval request merchant) in association with the storage medium. Check the check card payment account lock setting conditions information corresponding to (625).

When the lock setting condition information corresponding to the small payment amount or the small payment type (or the small payment approval request affiliate store) requested for the payment approval is confirmed, the account management server determines the small payment amount information for which the payment approval has been requested. In operation 630, the information is accumulated and stored in the stored details so as to correspond to the payment type.

According to an embodiment of the present invention, when a batch settlement process for the accumulated small payment amount is requested (635), the account management server interlocks with the storage medium to store previously released lock release information in association with the check card information. After confirming or obtaining a predetermined approval for unlocking through the customer communication means, the lock set in the micro payment amount of the customer check card payment account is released (640).

In operation 645, the account management server collectively processes the small payment amount accumulated and approved by the payment as the unlocked amount.

7 illustrates an information storage medium according to an embodiment of the present invention.

FIG. 7 shows that, on the check card payment processing system according to the present invention shown in FIG. 1, a portion of the amount deposited in the customer check card payment account is set as the micro payment processing price, and the settlement processing of the micro payment processing price is made. Lock setting condition information for setting the lock so that the amount set as the micro payment processing amount of the payment account deposit amount is not withdrawn until before, and a partial amount of the customer check card payment account deposit amount for the settlement of the micro payment amount FIG. 1 illustrates a relationship between storage information stored in a storage medium storing lock release condition information for releasing locks, which are organically connected and stored in the storage medium.

Referring to FIG. 7, the storage medium includes customer information, customer check card information, and customer check card payment account information, and implements the customer information, customer check card information, and customer check card payment account to implement the present invention. The information is stored in association with the lock setting condition information and the lock release condition information.

Customer information, customer check card information, customer check card payment account information, lock setting condition information, and lock release condition information stored in the storage medium will be described in more detail with reference to FIGS. 8 to 9 below.

8 is a view showing in detail the customer information stored in the information storage medium according to an embodiment of the present invention.

Referring to FIG. 8, the customer information stored in the storage medium illustrated in FIG. 7 may include a customer name, a customer ID / password, a customer address, and customer communication means information.

In particular, the customer communication means requests a predetermined approval (or consent) from the account management server in the process of setting a lock, releasing the lock, resetting the lock, or performing a settlement process according to the present invention. It is used as a means for receiving a message, receiving a predetermined approval history, or receiving a predetermined settlement history, and as described above, at least one mobile phone, PDA, mobile Internet phone, telematics And a wireless terminal, a wired terminal (PC, etc.), a home appliance with a communication function, an e-mail, a blog, a messenger, and at least one bulletin board in a website (or a homepage).

9 is a diagram illustrating in detail a customer check card information stored in an information storage medium according to an embodiment of the present invention.

FIG. 9 relates to customer check card information stored in the storage medium shown in FIG. 7, including customer check card information (check card number, etc.), check card issue date, expiration date, and check card payment account information. It features.

10 is a view showing in detail the lock setting condition information stored in the information storage medium according to an embodiment of the present invention.

FIG. 10 illustrates lock setting condition information stored in the information storage medium shown in FIG. 7. According to the present invention, the lock setting condition information is settled in the micro payment amount of the deposit amount of the customer check card payment account. The amount of information to be set for the lock, the amount of the small payment limit, the amount of the small payment to be settled with the amount of the small payment, the lock setting period information, the lock reset time information, and approval by the customer communication means when setting the lock. Or confirmation information transmission setting information or the like.

In addition, according to the present invention, as shown in FIG. 6, a plurality of lock setting condition information is set so as to correspond to each of the small payment types (for example, a transportation fare) and each payment amount limit (for example, 3,000 won or less). Can be.

For example, when the lock setting condition information includes the micro payment type information for the traffic fare settlement process, a portion of the deposit amount of the customer check card payment account is settled according to the lock setting condition information. The lock may be set as an amount for the payment, and if the customer uses the check card for the transportation fee payment, the transportation fee payment approval amount is accumulated, and the settlement is settled at the amount for which the lock is set for the transportation fee payment. do.

On the other hand, in another embodiment, when the lock setting condition information includes the micropayment limit amount information for the settlement of the micropayment amount less than 3,000 won, the customer uses the check card for payment of less than 3,000 won In this case, the used amount may be accumulated and settled to a set amount for the settlement of the small settlement amount of 3,000 won or less of the deposit amount of the customer check card payment account according to the lock setting condition information.

11 is a view showing in detail the lock release condition information stored in the information storage medium according to an embodiment of the present invention.

FIG. 11 illustrates lock setting condition information stored in the information storage medium shown in FIG. 7, wherein the lock release condition information corresponds to an amount of lock set among the deposit amount of the customer check card payment account according to the lock setting condition. In order to perform the micro payment settlement process according to the present invention, the lock includes predetermined condition information for releasing the lock for the set amount of money, wherein the lock release condition information includes: It includes information such as whether to agree (approve) or transmit a message about unlocking.

For example, in the batch settlement process of the small payment amount according to the present invention, the lock release condition information may be referred to, and the lock of the customer check card payment account deposit amount set by the lock setting condition information shown in FIG. The set amount of money is released, enabling collective settlement processing.

12A and 12B are simple conceptual views to which lock setting condition information stored in an information storage medium is applied according to an exemplary embodiment of the present invention.

FIG. 12a illustrates that a portion of the deposit amount of the check card payment account associated with the customer check card is not withdrawn before the settlement process for the small settlement amount according to the present invention according to the lock setting condition information shown in FIG. A diagram showing a process of setting a lock so as to prevent it.

FIG. 12B shows lock setting according to a small payment limit amount or a small payment type in the process of setting a lock on a part of deposit amount of a check card payment account associated with a customer check card according to the lock setting condition information shown in FIG. As shown in FIG. 12B, when the lock is set as shown in FIG. 12B, a batch settlement process of the small payment amount may be performed through the process of FIG. 6.

13 is a simple conceptual diagram to which lock release condition information stored in an information storage medium is applied according to an exemplary embodiment of the present invention.

FIG. 13 shows that the amount of money set by the customer using the check card is released after the lock is released on the amount of the lock set as a small payment amount among the deposit amount of the customer check card payment account according to the lock release condition information shown in FIG. It is a diagram simply illustrating a process in which a batch settlement process for a payment price is performed.

According to the present invention, when making a small payment using a check card, it is possible to prevent the payment due to the lack of balance in advance.

Claims (11)

Withdraw money for a part of the amount deposited in the account for the settlement of the customer check card information, the account information associated with the customer check card, and the payment settlement at a specific user using the check card in a predetermined information storing means. An information storage step of interlocking predetermined lock setting condition information for setting a lock to be stored in a predetermined storage medium; Account withdrawal prevention that sets a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in connection with the storage medium (or the storage medium operating means) in a predetermined account operating means. Lock setting step; When requesting for payment of a use price at a specific use place using the check card, at a specific use place using the check card by using an amount excluding the amount of the lock setting among the amounts deposited in the account by a predetermined settlement processing means. Confirming whether payment processing is possible; And As a result of the check, when the settlement of payment for payment at a specific use place using the check card is possible using an amount excluding the amount of the lock set among the amounts deposited in the account, the amount excluding the set amount of the lock is used. Process the settlement of the use price at the specific use point using the check card, and use the amount of money deposited in the account except for the set amount of the lock. A settlement processing step of releasing the set lock and processing the settlement of payment at a specific use place using the check card using a part or the whole of the set amount of the withdrawal prevention lock if the settlement settlement is impossible; Check card payment processing method characterized in that comprises a. Prevents withdrawal of a portion of the amount deposited in the account for processing of the customer check card information, the account information associated with the customer check card, and the use price payment at a specific user using the check card in a predetermined information storing means. An information storing step of linking predetermined lock setting condition information for setting a lock and storing the lock setting condition information in a predetermined storage medium; Account withdrawal prevention that sets a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in connection with the storage medium (or the storage medium operating means) in a predetermined account operating means. Lock setting step; And When requesting a payment for payment at a specific user using the check card, releases the lock set to the account at a predetermined settlement processing means, and at the specific user using the check card using the amount of the withdrawal lock set. Settlement processing step of processing the use price settlement of; check card using price settlement processing method comprising the. The method according to claim 1 or 2, Resetting the withdrawal prevention lock on a part of the amount deposited in the account for the settlement of the use price at the specific user using the check card after the settlement processing through the settlement processing step in the account operation means; Check card payment processing method characterized in that it further comprises. The method according to claim 1 or 2, And performing the lock setting information notification and / or approval processing of the account in association with the customer communication means in a predetermined information transmitting means. The use price according to claim 1 or 2, wherein the use price at a specific use destination using the check card is Settlement method for using a check card, characterized in that it comprises a small payment, such as transportation fees. The lock setting condition information according to claim 1 or 2, At least one lock setting target specific use information, lock setting amount information, lock setting period information, lock automatic reset information, and setting whether to send approval or confirmation message to customer communication means when setting lock Check card settlement payment processing method comprising the above. A computer-readable recording medium having recorded thereon a program for executing the method of claim 1. Set a withdrawal lock for a portion of the amount deposited in the account for the customer check card information, the account information associated with the customer check card, and the payment settlement processing security at a specific user using the check card. Information storage means for cooperatively processing predetermined lock setting condition information and storing the predetermined lock setting condition information in a predetermined storage medium; Account management means for setting a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in association with the storage medium (or storage medium operating means); When requesting payment for payment at a specific location using the check card, is it possible to process payment for payment at a specific location using the check card using an amount excluding the amount for which the lock is set among the amounts deposited in the account? If it is possible to process the payment for payment at a specific user using the check card by using the amount of money deposited in the account except the amount of the lock, the amount of the lock is excluded. The amount of money is used to settle the use price at a specific point of use using the check card, and as a result of the confirmation, the specific use using the check card using an amount excluding the amount of the lock is set among the amounts deposited in the account. If it is impossible to settle the use price at the customer's office, the set lock is released and the Lock prevents a set amount of the settlement processing means for processing the settlement of payment used in a particular treatment by using the check card using a part or whole; check card using payment settlement processing system, characterized in that comprises a. Prescribed to set a withdrawal lock for some of the amount deposited in the account for the customer check card information, the account information associated with the customer check card and the payment settlement at a specific user using the check card Information storage means for interlocking the lock setting condition information of the lock setting condition information and storing the lock setting condition information in a predetermined storage medium; Account management means for setting a withdrawal prevention lock for a part of the amount deposited in the account based on the lock setting condition information in association with the storage medium (or storage medium operating means); And When requesting payment for payment at a specific location using the check card, releases the lock set for the account and processes the payment for payment at the specific location using the check card using the amount of the withdrawal lock set. Settlement processing means for; Check card payment processing system comprising the. The method according to claim 8 or 9, And an information transmission means for performing notification of lock setting information and / or approval processing of the account in association with the customer communication means. The method according to any one of claims 8 to 10, wherein each of the means, On a single server, or Check card payment processing system, characterized in that provided in a plurality of servers.

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