KR20090041487A - Small sum of money donation method thru credit card - Google Patents

Abstract

A small contribution method through a credit card payment capable of donating small sum product is provided to donate the small amount of products by automatically donating small sum of money. A terminal requests payment approval to a VAN company based on the payment amount in which the information and small sum of the credit card are added(S10). The member or non-member in which the owner of the credit card registers small sum base is determined(S12). The VAN company requests payment by transmitting a request to a card company. The card company transmits the payment authorization to the VAN company(S16). The added small sum consists of the predetermined contribution operation server(S18). The VAN company or the card company transfers the small sum product.

Description

Small sum of money donation method thru credit card}

The present invention relates to a small donation system, and more particularly, to a small donation method through a credit card payment so that a small amount is paid together with each time the credit card payment.

Generally, various credit cards and debit cards are used as a medium of commerce. The payment of the credit card is a form in which a credit transaction is performed by requesting payment approval of an amount using a terminal at a restaurant such as a restaurant or a store, and approving it by a corresponding card company through bansa.

Such credit card transactions are made from as little as 10,000 won to as many as millions of won. In fact, the number of credit cards accepted annually in Korea is about 3.2 billion times. These figures indicate that the use of credit cards is not only routine but also used by the majority of adults.

On the other hand, as society becomes more advanced, donation culture is spreading widely. However, we still think about high-quality donations such as scholarships. In particular, the general public or the common people have a willingness to participate in small contributions that are less economically burdened, but are not widely spread due to the inconvenience and inconvenience of the procedure.

Therefore, the present invention has been made to solve the above problems, the first object of the present invention, through a credit card payment that can be a simple donation of small goods such as 1 ~ 500 won through daily life It is to provide a small donation method.

A second object of the present invention is to provide a small donation method through a credit card settlement, which can provide a large donation with extremely low economic burden, and can transparently execute the donation thus prepared.

Other objects, specific advantages and novel features of the invention will become more apparent from the following detailed description and the preferred embodiments described in connection with the accompanying drawings.

Objects of the present invention as described above, step (S10) the terminal 25 requests the payment approval to the bansa 30 based on the credit card information and the small amount of the payment amount;

Bansa 30 sends the payment approval request to the card company 40 to request the payment approval;

Card company 40 transmits the payment approval to the bansa 30 (S16), and transfers the added small amount to a predetermined donation management server (60) (S18), characterized in that it comprises a credit It can be achieved by a small donation method through a card payment.

In addition, the bansa 30 or the card company 40 may further include the step of transferring a small amount to the donation operation server 60.

In addition, the small amount may be in the range of 1 ~ 500 won.

In addition, the payment approval step (S16) may further include a step (S12) of determining whether the owner of the credit card has registered a small donation in advance.

In addition, credit card holders can specify donations at membership registration.

The bansa 30 or the card company 40 may further include transmitting and reporting the donation details.

Transfer step (S18) may accumulate donations and transfer every predetermined period, the predetermined period is preferably one of a week, month, quarter, half-year.

In addition, the information of the credit card may include information on whether or not a registered member of a small contribution.

According to the small donation method through the credit card payment as described above, each individual can easily make a donation without any financial burden. Although each donation is small, it can be used for a useful purpose if it is summed up as a whole.

In addition, the process of generating, counting, transferring and proceeding donations becomes transparent through computerization, thereby improving the reliability and usefulness of donations.

(First Example )

The invention will now be described in detail with reference to the accompanying drawings, in which preferred embodiments are shown.

1 is a schematic network diagram of a system for a small donation method through a credit card payment according to an embodiment of the present invention. As shown in FIG. 1, for the system of the present invention, a merchant 20 having a consumer 10 having a credit card 5 and a terminal 25 is required. In addition, the terminal 25 is connected to the bansa 30, and the card company 40, the management server 50 and the donation management server (60).

The consumer 10 is a subject of consumption using the credit card 5 and a subject of payment of costs.

The affiliated store 20 may be represented by a restaurant, a shop, or the like having the terminal 25. The terminal 25 can read the information of the credit card 5, can be approved by sending the payment amount, there is a receipt printing function.

The bansa 30 represents a server that distributes payment amounts and payment approval requests transmitted from a plurality of affiliated stores by card companies and manages the terminal 25 and the like.

The card company 40 is a server of a financial company by card type. The card company 40 approves payment and receives payment from the consumer 10.

The management server 50 is a server device that manages member registration and management and donation management and operation of small contributions.

Donation operation server 60 is a server device operated by the charity. The donation operation server 60 has an account for receiving donations, and uses the transferred donations to help the underprivileged, children's welfare, elderly welfare, and the use history of the management server 50 and the card company (40). Report back).

Hereinafter, a detailed method of making a small donation through credit card payment using the network configured as described above will be described in detail.

2 is a flowchart of a payment procedure of a small donation method through a credit card payment according to the present invention, Figure 3 is a schematic flowchart of a small donation method through a credit card payment according to the present invention, Figure 4 is for a small donation This is a flow chart that outlines the membership registration process.

First, as shown in Figure 4, the membership registration procedure for small contributions will be described. A consumer 10 having a credit card 5 or a consumer 10 applying for a credit card 5 may apply for membership through an Internet homepage operated by a management server 50 or a card company 40. (S30). In particular, membership registration may be a method that the card company 40 computerized input after applying for an offline application when applying for a credit card (5).

When applying for membership, the consumer 10 determines the type of donation. In other words, regardless of the amount of payment of the credit card (5), if you always want to donate a certain amount of money (for example, 10 won, 50 won, 100 won, etc.), select a flat rate (S32), and the proportion is proportional to the payment amount. (For example, 0.1%, 0.01%, 0.05%, etc.) to donate to select the jeongjeongje (S34).

Next, personal information (resident registration number, card number, etc.) and donation data regarding the consumer 10 are stored and then transmitted to the related server to be shared (S36). This process completes the membership registration process for small contributions.

Hereinafter, the process of actually making a small donation when paying for a credit card will be described.

As shown in Figures 2 and 3, the consumer 10 first presents a credit card (5) for the purchase of goods or services to request a payment (for example, the card price 40,000 won) (S10). At this time, since the information about the micropayment member is contained in the magnetic card and the micro donation icon is printed on the credit card 5, the terminal 25 of the affiliated store 20 automatically generates a small amount (10). Won) to the bansa 30 requesting payment approval (40,010 won).

When the terminal 25 determines that the credit card 5 is a nonmember credit card (S12), a normal card approval procedure is performed (S19).

If the non-member's ordinary credit card 5 is a terminal 25 of the affiliated shop 20 that recognizes a small donation, the small amount of donation can be made with the permission of the consumer 10. At this time, the affiliated store 20 presses a separate function key (not shown) provided in the terminal 25 and then inputs a payment amount (40,000 won) to request an approval with the sum of the sum (40,010 won).

If the member's credit card 5, but the terminal 25 of the affiliated store 20 does not recognize the small contribution can be made a small contribution. That is, when the merchant 20 inputs a normal payment amount (40,000 won) through the terminal 25, the card company 40 determines this and approves it as 40,010 won and issues a receipt of 40,010 won.

The management server 50 is connected to the card company 40 and confirms in real time whether or not a small donation member. Then, the donation history is received from the bansa 30 or the card company 40, and the execution details of the donation are received from the donation operation server 60. In addition, the management server 50 operates a dedicated homepage (not shown) related to the micro donation on the Internet. Therefore, the management server 50 is made to monitor whether the small donation is made smoothly, transparent and executed. In addition, through the homepage to disclose the details of the execution, statistical data, publicity, and membership registration. In addition, the management server 50 to notify the tax office of the donation details to be used for tax reduction benefits or donation proof.

As shown in FIG. 2, any one of the affiliated shop 20, the bansa 30, and the card company 40 may further handle a small amount (10 won) when handling payment approval (S14). . This means that besides consumers, merchant 20, bansa 30 or card company 40 can also participate in small donations. In this case, although the consumer donated only 10 won, the actual donation could be up to 40 won (when participating in a merchant, bansa or card company). As described in the prior art, given that the number of credit card payments per year is 3.2 billion times, it is possible to create a donation of a huge amount even with such a small donation.

When such a donation is made, the card company 40 collects it and transfers it to the donation operation server 60. Transfer of such donations may be made in real time, or may be made every certain period (for example, a week, month, quarter, half year) (S18).

Then, the donation operation server 60 is to use the transferred donation, welfare, where there is a need, neighbors, the elderly, floods, and the like. Then, the execution details of the donation will be reported to the management server 50 and the card company 40.

(transform Example )

As another embodiment of the present invention, the management server 50 may be configured to be integrated by the server of the card company 40 or bansa 30.

In addition, each affiliated store 20, bansa 30 and the card company 40 can also be registered as a small contribution member in the management server (50).

Although the small amount in the present invention is a representative example of 10 won through the drawings and the embodiment, it may be a regular agent as shown in Figure 4, it is also possible to increase or decrease the amount of semen.

The recording medium according to the present invention can be read by a computer and can record a series of instructions. Examples of such recording media include floppy disks, hard disks, magnetic reel tapes, optical disks (including CDs, DVDs, Blu-ray disks, etc.), semiconductor memories (RAM, ROM, EEPROM, USB memory, CF memory, SD memory, etc.). ), Etc. However, the present invention should not be construed as being limited to any of the listed media, but as long as it is capable of recording, storing and reading electronic data.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it will be readily apparent to those skilled in the art that various other modifications and variations can be made without departing from the spirit and scope of the invention. It is obvious that all modifications fall within the scope of the appended claims.

The present invention relates to a small donation system, and more particularly, to a small donation method through a credit card payment to make a simple donation through payment of a credit card.

1 is a schematic configuration diagram of a system for a small donation method through a credit card payment according to an embodiment of the present invention;

2 is a flowchart of a payment procedure of a micro donation method through a credit card settlement according to the present invention;

3 is a schematic flowchart of a micro donation method through a credit card settlement according to the present invention;

4 is a flowchart schematically illustrating a member registration process for a small donation.

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

5: credit card,

10: consumer,

20: Merchant,

25: terminal,

30: bansa,

40: card company,

50: management server, attached donation file,

60: donation operation server.

Claims (9)

(S10) requesting the terminal to approve payment to the bansa 30 based on the credit card information and the small amount of the payment amount (S10); The bansa 30 transmitting the payment approval request to the card company 40 to request payment approval; The card company 40 transmits the payment approval to the bansa 30 (S16), and transfers the added small amount to a predetermined donation operation server 60 (S18); characterized in that it comprises a; How to make a small donation by credit card payment. The method of claim 1, wherein the bansa 30 or the card company 40 further comprises the step of transferring a small amount to the donation management server 60, characterized in that the small donation method through credit card payment. . The method of claim 1 or 2, wherein the small amount is in the range of 1 to 500 won. The method of claim 1, The payment approval step (S16) further comprises a step (S12) of determining whether the owner of the credit card registered a small donation in advance (S12). [5] The method of claim 4, wherein the credit card holder can designate a donation when registering a member. The method of claim 1, The bansa (30) or the card company 40 is a small donation method through a credit card payment, characterized in that it further comprises the step of transmitting and reporting the donation details. The method of claim 1, wherein the transferring step (S18) accumulates the donations and transfers the funds every predetermined period. The method of claim 7, wherein The predetermined period is a small amount donation method through a credit card payment, characterized in that any one of a week, month, quarter, half year. The method of claim 1, The small card donation method through the credit card payment, characterized in that the information of the credit card includes information on whether the registered membership of the small donation.

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