KR20080036977A - System for management settlement particulars by using card - Google Patents

Abstract

A system for settlement particulars management by using a credit card is provided to create evaluation data based on classified card use information by predetermined items and to report the evaluation data to the client through wireless or wired communication networks. A use particulars management server(100) comprises a use particulars classification module(105), a use particulars processing module(110), a service providing module(115), a client DB(120), a terminal device information DB(125), a client use particulars DB(130), a classification item DB(135) and a client evaluation DB(140). The use particulars classification module is connected with a member shop terminal device(150) through the VAN(Value Added Network)(155) and maintains a conventional function that offers responses about credit card use authentication as a credit card company server. Additionally, the use particulars classification module confirms proper information about the member shop terminal device, extracts predetermined item information from the classification item DB to prepare classification base of the credit card use particulars, thereby classifying the credit card use particulars of the client.

Description

System for Management Settlement Particulars by Using Card}

1 is a simplified configuration diagram in which the present invention is implemented in connection with a card company server on a credit card payment network including a client card, an affiliated store (terminal), a VAN, and the like.

2 is a simple flowchart illustrating a process of implementing the present invention in connection with a card company server on a credit card payment network including a client card, an affiliated store (terminal), a VAN, and the like.

3 is a simplified configuration diagram in which the present invention is implemented in connection with a VAN or VAN company server on a credit card payment network including a client card, a merchant (terminal), a VAN, and the like.

4 is a simple flow diagram of a process in which the present invention is implemented, including client cash receipt cards, merchants (terminals), networks (VANs, etc.).

<Description of main parts of drawing>

100: history processing server 105: history classification module

110: usage history processing module 115: service providing module

120: customer database 125: terminal information database

130: customer history database 135: classification item database

140: customer evaluation database 145: client card

150: Merchant Terminal 155: VAN

160: packet network 165: wireless communication network

170: circuit network

The present invention provides a usage history classification module for classifying card usage (approval) of a client based on unique information of a merchant (or terminal) or a predetermined item, and linking the card usage history of the classified client with the client information. A usage history processing module for generating evaluation information about the card usage by referring to a customer usage database to be stored, a card usage history of the client stored in the customer usage database, and the generated card usage evaluation information of the client; Payment using a card including a customer evaluation information database stored and managed in association with the client information and a service provision module for providing the client with the card usage evaluation information stored in the customer evaluation information database through a wired or wireless communication network. It relates to the management station.

A credit card is a real item like cash or check if you present a card issued by the card issuer and sign the slip when a customer who has a prescribed contract with the card issuer purchases a product or service at an authorized merchant. It is one of the payment settlement means that can be purchased without exchanging itself.

As the Internet infrastructure is developed and electronic commerce on the Internet becomes more common, payment settlement using the card is increasing year by year due to its convenience.

In addition, the card issuer provides the customer's payment details through the Internet as part of the customer service, and provides a service of notifying the payment details by e-mail or the like about the payment date.

However, from the customer's point of view, the merchants affiliated with the card issuer have to keep the sales approval slip provided when the card is used.In order to organize the separate payment details, the sales approval data recorded in the sales approval slip is recorded. There was an inconvenience of having to input or fill in one by one. In addition, when the sales approval slip is lost, there is an inconvenience in that the card issuer server must be connected to the server to check the sales approval slip.

An object of the present invention for solving the above problems is a usage history classification module for classifying the card usage (approval) history of the client based on the unique information or a predetermined item of the merchant (or terminal), and the classified of the client A customer history database for storing card usage history in association with the client information, a usage history processing module for generating evaluation information on the card usage with reference to the card usage history of the client stored in the customer history database; A service for providing the client with a customer evaluation information database for storing and managing the generated card use evaluation information of the client in association with the client information and the card usage evaluation information stored in the customer evaluation information database through a wired / wireless communication network. The present invention provides a payment history management system using a card including a memory providing module.

The payment history management system using a card according to the present invention includes a usage history classification module for classifying card usage (approval) history of a client based on unique information or a predetermined item of a merchant (or terminal), and the classified client. A customer history database for storing card usage history in association with the client information, a usage history processing module for generating evaluation information on the card usage with reference to the card usage history of the client stored in the customer history database; A service for providing the client with a customer evaluation information database for storing and managing the generated card use evaluation information of the client in association with the client information and the card usage evaluation information stored in the customer evaluation information database through a wired / wireless communication network. It includes a module for providing swap.

According to the present invention, the card may include at least one or more wireless terminals on which the magnetic stripe (MS) card, and / or receipt card, and / or IC chip card, and / or the IC chip is mounted or detached. It is done.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are shown in different drawings. In addition, in the following description, in order to explain the embodiments of the present invention, specific details such as specific elements are illustrated, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific details. It will be apparent to those skilled in the art. In describing the present invention, when 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.

In addition, in order to be more faithful to the present invention, it is noted that changes or modifications can be made by those skilled in the art without departing from the spirit of the present invention.

1 is a simple configuration diagram in which the present invention is implemented in connection with a card company server on a credit card payment network including a client card 145, a merchant (terminal) 150, a VAN 155, and the like.

According to the present invention, the card usage (approval) history of the client is classified according to a predetermined item based on a unique code of the affiliated store (or terminal), and the like, and the evaluation information on the card usage with reference to the classified card usage history of the client. The usage history management server 100 for generating the card usage evaluation information of the client in association with at least one or more client information and providing the card usage evaluation information to the client through a wired / wireless communication network is provided. It is obvious to those skilled in the art that it is preferable to be included in the card company server for a smooth implementation of, or to be configured in conjunction with the card company server.

In addition, the usage history management server 100, in order to achieve the present invention, the usage history classification module 105, usage history processing module 110, service providing module 115 and customer database 120, terminal information database ( 125), a customer history database 130, a classification item database 135, and a customer evaluation database 140 is configured.

The usage history classification module 105 in the usage history management server 100 is basically connected to the affiliated store terminal 150 through the VAN 155 and transmits a response to a card use (or approval) to the terminal 150. And maintains the function of the existing card company server, etc., and additionally, according to the present invention, the card use (approval) request transmitted from the merchant terminal 150 through a value added network (VAN) 155. Check the unique information of the affiliated store (or terminal) 150 on the full text (data), such as the unique ID of the affiliated store or terminal 150 and merchants associated with the unique ID, business registration number, business / industry, etc. Preset item information is extracted from the terminal specific information and / or classification item database 135 to provide a basis for classifying card usage (approval) history, and accordingly the client The card usage (approval) of the card.

In addition, the usage history classification module 105 associates the card usage (approval) history of the clients classified based on the terminal unique information and / or preset item information with at least one of the client information, and the customer usage database. Save to 130.

The usage history processing module 110 is interlocked with the usage history classification module 105 and refers to the classification history for each item according to the card use of the client and the specific period according to the classified card usage history of the client. ) Generates client card usage evaluation information including excessive usage history and deduction availability history information.

The generated card usage evaluation information refers to payment history consulting information provided to the corresponding client through the service providing module 115 described below.

As an example to help the understanding of the present invention, when a client performs a credit card payment at a hospital or a pharmacy, or performs a cash payment and presents a cash receipt card, the credit card through a terminal in the hospital or pharmacy Alternatively, when the card usage history for the cash receipt card is transmitted, after classifying the usage history based on the unique information of the hospital or pharmacy and / or preset classification item information, the usage history is determined to be income deduction-related. Done. If the client uses a credit card or the like, the client is notified that the income deduction and the medical expenses income deduction due to the use of the card are all possible, and further details of the double deduction can be provided later.

In addition, if there are a large number of card use (approval) details classified as items such as product purchases or service use, the client may be alerted by providing payment details, such as the previous month, to the client, causing excessive consumption. You can do it.

Usage history management according to the credit card payment and usage history management according to the use of cash receipt card at the time of cash payment will be described in more detail through the embodiments described below.

The service providing module 115 may use the client card including the classification information for each item according to the use of the client card generated through the above process, a history of excessive use of the item for a specific period of time (such as the previous month), and details of whether to deduct the information. It provides the evaluation information to the client through wired / wireless communication network.

In addition, the card usage evaluation information may be provided by further including the card usage history of the client by the corresponding use cases (or daily or monthly, etc.), and the affiliated store (terminal) (or separate incentives) in the card usage history by the use cases. Wired / wireless webpage information (wired / wireless URL, eNUM, etc.) of the providing server 150, and the like, the client uses the webpage information to connect to a corresponding merchant server (or a separate incentive providing server) or the like (e.g., , Callback URL or WAP Push, etc.), it is specified that the acquisition of a separate incentive provided by the affiliated store (or a separate incentive providing server).

According to the present invention, the service providing module 115 provides the card use evaluation information to the client by using various means through a wired / wireless communication network, in conjunction with the customer database 120, from the customer database 120 The e-mail address, the messenger ID, the IP (Internet Protocol) address, the wireless terminal information, and the wired telephone terminal information of the client are extracted to determine a communication network that can be provided, and the card usage evaluation information is provided.

It is apparent that the communication network providing the card usage evaluation information uses the packet network 160, the wireless communication network 165, the circuit network 170, and the like according to the extracted customer information.

In addition, when the card usage evaluation information is pre-stored in the usage history management server 100, it is possible to provide using the card payment network, in this case transmitted to the merchant terminal 150 through the VAN (155) Of course, it can be provided at the point of use of the client's card, of course, it will be desirable to be included in the full text such as payment approval response sent to the terminal 150.

In addition, the service providing module 115 further provides useful information (eg, coupon information, discount information, incentive information, event information, related card information, etc.) in providing the card use evaluation information of the client. This is possible.

The customer database 120 is a database including client card information (card number, expiration date, etc.), personal information (name, ID, password, etc.), wireless communication number, mail information, general telephone information, and the like. Client customer information is provided to enable the use evaluation information to be provided to the corresponding client through the service providing module 115.

* The terminal information database 125 is a unique information of the merchant or terminal 150 that the card can be used when the client uses a card (including all credit cards, debit cards, cash cards, cash receipt cards, etc.) (Unique ID and merchant name associated with the unique ID, business registration number, business type / industry, etc.) are recorded.

The customer history database 130 is classified based on the terminal 150 unique information and / or preset item information through the usage history classification module 105 in cooperation with the usage history classification module 105. It is a database that records the card usage (authorization) of the client in association with at least one of the client information.

The classification item database 135 includes at least one classification item that can be classified as a date, a time, a place (region), an amount, a product, or a service, and the usage history classification module 105 is provided through the VAN 155. Helps classify sent client card usage (approval).

The customer evaluation database 140 is a database that stores and manages the generated card use evaluation information of the client in association with the client information.

The client card 145 described in the present invention includes an MS type card including a magnetic stripe capable of recording (card information) such as a code number and a password number and an issuer code that can be identified by the card holder. Chip that can store and arithmetic digital information with IC chip consisting of CPU, central processing unit, ROM (Read Only Memory), RAM (Random Access Memory), and EEPROM (Electrically Erasable and Programmable Read Only Memory) It includes all of the (Chip) type card, the client card 145 has a financial settlement function.

In addition, the client card 145 provides transaction initial information necessary for a payment history transaction, such as card information mounted on the card, to the terminal 150 on-offline and to pay using the card 145. Signals the start of a historical transaction.

The online and offline merchants (or terminals) 150 described in the present invention are connected to the VAN 155, and mean a card terminal device including a credit authentication terminal (CAT), a point of sales (POS), and the like. Using the transaction initial information (card information, etc.) obtained from the client card 145, the card usage (approval) request message (data) containing the transaction initial information to the usage history management server 100 according to the present invention. Function to provide.

In addition, although not shown in detail in the drawing, the terminal 150 is a hardware (Central Processing Unit), a ROM (Read Only Memory), a random access memory (RAM), a system bus (System Bus), etc. And a control module which is a generic term for software that controls and controls the operation of the terminal 150, connects the client card 145 and the affiliated store terminal 150, and transmits transaction initial information (from the client card 145). A card interface module for providing card information, etc. to the affiliated store terminal 150, and EEPROM (Electrically Erasable and Programmable Read Only Memory) or FM (Flash Memory), etc., and the overall operation of the terminal 150. By including a memory module and other modules (communication module, etc.) in which various program codes for control and the like are stored, transaction initial information is included for the implementation of the present invention. Generating a card (authorization) request professional (data) to the functionality provided by the group history management server 100 via a VAN (155).

According to the present invention, the client card 145 includes at least one magnetic stripe (MS) card, and / or an IC chip card, and / or a wireless terminal on which the IC chip is mounted or detached.

2 is a simple flowchart of a process of implementing the present invention in connection with a card company server on a credit card payment network including a client card 145, a merchant terminal 150, a VAN 155, and the like.

According to the present invention, when a client possesses a card including transaction initial information such as a card number for a payment transaction, accesses the card interface of the merchant terminal 150 (200), the merchant terminal 150 is a client. From the card 145, transaction initial information (card information) necessary for the payment details transaction is extracted (205).

The transaction initial information (card information) required for the payment history transaction is extracted from the magnetic stripe (MS; magnetic stripe) included in the card 145 when the client card 145 is an MS type card. Extracts card information such as a number, an encryption number, and an issuer code. When the card 145 of the client is of a chip type, at least one financial settlement information is extracted from an IC chip included in the card 145. Extraction to the merchant terminal 150 via the card interface through an APDU (Application Protocol Data Unit) defined by a chip card standard such as ISO / IEC 7816 and / or ISO / IEC 14443.

In addition, the affiliated store terminal 150 authenticates the validity of the card by referring to the transaction initial information of the corresponding card 145 (210).

Authentication of the card validity is performed through a card usage (authorization) message generated in the merchant terminal 150 and sent to the card company server through the VAN 155, and the credit of the client existing in the card company server or VAN company server, etc. In connection with the information and the delinquent information, if the card has a problem (credit, etc.), it is determined whether the card is suspended or not available.

If the validity of the client's card 145 is not authenticated (215), the process for the present invention ends. On the other hand, if the validity of the card 145 of the client is authenticated (220), the terminal 150 uses the card based on the transaction initial information (card information) extracted in conjunction with the card interface through the process (approval) It generates a full text (data) requesting, and provides the generated card usage (approval) request full text (data) to the usage history management server 100 to be implemented by the present invention through the VAN 155 ( 225).

The card usage (approval) request message (data) provided to the usage history management server 100 is pre-set from the classification item database 135 through the usage history classification module 105 of the usage history management server 100. Along with the classification items, data for categorizing client card usage history is provided.

The usage history classification module 105 classifies the usage history of the card 145 of the client with reference to the use (approval) request data and the preset classification item data (230), and uses the classified client card (approval). In operation 235, the details are stored in a database in association with the personal information of the client.

The usage history processing module 110 of the usage history management server 100 generates usage evaluation information (data) to be provided to the client with reference to the use (approval) classification history of the client card 145 (240).

The usage evaluation information (data) generated by the usage history processing module 110 includes the details of the classification according to the item according to the card use of the client, the details of the excessive use of the specific period (such as the previous month, etc.), and the details of the deduction of possible deductions. It includes.

In order to provide the generated evaluation information to the corresponding client, the service providing module 115 of the usage history management server 100 extracts an appropriate providing means from the customer database 120 (245). E-mail, messenger, etc. using the packet network 160, PCS (Personal Communication System), GSM (Global System for Mobile communication), PDC (Personal Digital Cellular), PHS (Personal Handyphone System), A personal digital assistant (PDA), a smart phone, an international mobile telecommunication (IMT) -2000 terminal, and the like, and a general telephone using the line network 170 are suitable.

The service providing module 115 provides the generated usage evaluation information (data) to the corresponding client using the packet network 160, the wireless communication network 165, the circuit network 170, etc. (250).

According to the present invention, the client receives the usage evaluation information (data) according to the card usage history used by the client through the packet network 160, the wireless communication network 165, the circuit network 170, etc. (255).

3 is a simplified configuration diagram in which the present invention is implemented in connection with a VAN 155 or a VAN company server on a credit card payment network including a client card 145, a merchant (terminal) 150, a VAN 155, and the like. to be.

According to this figure, the usage history management server 100 is included in the VAN company server in connection with the value added network (VAN) 155, or is preferably configured in connection with the VAN company server, as described above The card usage (approval) history of the client is classified according to a predetermined item based on a unique code of the affiliated store terminal 150, and the like, the evaluation information on the card usage is generated by referring to the classified card usage history of the client, Of course, the function of providing the card usage evaluation information to the client through the wired / wireless communication network and storing the generated card use evaluation information of the client in association with at least one or more client information are of course inherited.

In general, a value added network (VAN) 155 refers to a business that provides a communication service or a network service that constructs a network using a computer by borrowing a line from a public telecommunication service provider, accumulates, processes, and processes information. (155) services include leasing large-capacity lines from public telecommunications operators and subdividing them into a number of low-speed lines, providing services for telephone exchange, packet exchange, line exchange, and leased line, and reconnecting to network services and networks. A protocol matching and conversion service that absorbs differences in communication speeds and internal codes of devices, and a broadcast function communication service that sends the same data to a plurality of subscribers, as well as communication services that exchange media information such as code information and image information. Processing services, etc., according to the present invention, the card usage (approval) of the client (conclusion) Using a card may generate an added value, such expenditures) the information stored and / or the ball by using the history card usage history of the management client, and more.

In addition, as shown in the figure, the usage history management server 100 is connected to the merchant terminal 150, the existing VAN that serves as a relay of the full text (data) for the authorization request and response for card use By inheriting the function of the server as it is, according to the present invention by confirming the unique information of the merchant terminal 150 on the card use (authorization) request message (data) transmitted from the merchant terminal (Terminal) 150, Based on the unique ID of the affiliated store terminal 150 and the terminal unique information such as merchant name, business registration number, business type / business type and / or preset item information associated with the unique ID, and / or preset item information, the basis of classification of the card usage (approval) history is determined. And classify card usage (approval) of the client accordingly.

In addition, the card usage (authorization) history of the clients classified based on the terminal unique information and / or preset item information is stored in a predetermined database in association with at least one of the client information.

In addition, according to the present invention, with reference to the card usage history of the categorized client, the categorization of each item according to the use of the card 145 of the client and the history of excessive use and deduction for a specific period (such as the previous month) is possible or deductible? The client card usage evaluation information including the history information is generated, and the generated card usage evaluation information is provided to the corresponding client through the network.

The network shown in this figure indicates that the packet network 160, the wireless communication network 165, the circuit network 170, and the like refer to all.

In addition, in providing the card use evaluation information of the client, it is possible to further provide the relevant useful information (eg, coupon information, discount information, incentive information, event information, related card information, etc.).

The following embodiment is an exemplary embodiment in which the present invention is implemented when the card 145 of the client is a cash receipt card, the cash receipt card described in the present invention is a merchant that stores the cash receipt card at the time of the client's cash transaction. The terminal 150 is checked to manage the cash transaction history of the client through the server 100 connected to the terminal through a network.

4 is a simple flow diagram of a process in which the present invention is implemented, including a client cash receipt card 145, a merchant (terminal) 150, a network (VAN, etc.), and the like.

According to this figure, if a client requests cash payment through the merchant terminal 150 (400), and accesses the cash receipt card containing the transaction initial information to the card interface of the merchant terminal 150 (405), The merchant terminal 150 extracts transaction initial information (cash receipt card information) required for a transaction with the server 100 from the cash receipt card (410).

The server 100 in the figure is connected to the merchant terminal 150 through a network such as a VAN 155, and maintains the function of the usage management server described in FIG. 1 as it is, and the server 100 It may be configured in connection with a specific institution (national institution, etc.) or a card company.

The cash receipt card may also include at least one magnetic stripe (MS) card, and / or an IC chip card, and / or a wireless terminal on which the IC chip is mounted or detached.

The merchant terminal 150 extracting transaction initial information from the client cash receipt card authenticates the validity of the cash receipt card (415). If the validity of the cash receipt card is not authenticated (420), the process for this embodiment ends.

On the other hand, if the validity of the cash receipt card is authenticated (425), the merchant terminal 150 generates a full-text (data) request for use of the card (authorization) including the transaction initial information and the client cash transaction history, and the VAN ( 430 and transmits to the server through the network (430).

The server 100 receives a card use (authorization) request message received from the affiliated store terminal 150 to check the cash usage history of the client included in the card use (authorization) request message and set a preset classification item. The cash usage is classified by reference (435).

The server 100 stores the categorized client cash use history in a database in association with the client personal information (including cash receipt card information) (440), and provides the categorized cash use history to the corresponding client with reference to the categorized cash use history. The usage evaluation information is generated (445).

According to the present embodiment, the usage evaluation information may be classified according to the item according to the cash use of the client, details used excessively for a specific period (such as the previous month), deduction availability information, and tax reduction information according to the expenditure details. And the like.

The server 100 extracts an appropriate providing means from the customer database 120 to provide the generated usage evaluation information to the client (450), and the generated usage evaluation to the client through the extracted providing means. Provide information (455).

The client receives the evaluation information on his or her cash usage history from the server by means of receiving usage evaluation information (wired or wireless e-mail, etc.) on various networks such as a packet network, a wireless network, and a circuit network (460).

According to the present invention, a credit card, a debit card, a cash card, a receipt card, etc., through a card payment network consisting of a client card, merchant terminal, VAN (company) and card company (or usage history management server), The card usage (approval) history of the client included in the full text of the card usage (or authorization) request transmitted from the terminal through the VAN is classified based on the unique information of the merchant (or terminal) and / or a predetermined item. By using the classified client's card usage history, generate evaluation information on card usage, store the generated credit card usage information in association with at least one client information, and store the card usage evaluation information Payment history using a card provided to the client through a wired or wireless communication network By providing our methods and systems,

At the time of card payment, the client has an advantage that it is more convenient to manage the card usage (approval) history on the network more conveniently through the card.

In addition, there is an advantage that it is more convenient to manage the cash usage history on the network through the cash receipt card at the time of cash payment.

In addition, by obtaining the use evaluation information for the card use or cash use, the client has an advantage that it is possible to prevent useful information and unnecessary waste on the card or cash use in advance.

In addition, the client has an advantage that it is possible to more conveniently manage the expenditure history (payment history) for the household book, etc. that was previously created and managed by inputting on-line and offline.

In addition, there is an advantage that the present invention can be implemented without the installation of a separate hardware device or software program in the merchant (terminal).

Claims (2)

A usage history classification module for classifying card usage (approval) details of the client based on unique information of the affiliate store (or terminal) or preset items; A customer usage database which stores the card usage history of the classified client in association with the client information; A usage history processing module for generating evaluation information on the card usage by referring to the card usage history of the client stored in the customer usage database; A customer evaluation information database configured to store and manage the generated card use evaluation information of the client in association with the client information; And And a service providing module for providing the card usage evaluation information stored in the customer evaluation information database to the client through a wired / wireless communication network. The method of claim 1, wherein the card, Magnetic Stripe (MS) card, and / or Receipt card, and / or IC Chip card, and / or Payment history management system using a card, characterized in that it comprises at least one or more wireless terminal that is mounted or detached IC chip.

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