KR20090085191A - System and method for providing authorization reporting message of credit card - Google Patents

Abstract

A system and a method for providing an authorization notification message of a credit card are provided to add a promotion statement to a transaction authorization notification message of a card by extracting promotion information of a membership store suitable for information of a corresponding card customer, thereby providing the transaction authorization notification message. A card authorization information providing server(22) receives information of a card customer provided from a credit card company server(18) and a VAN server(14), membership store information and promotion information of the membership store information. The card authorization information providing server extracts a membership store promotion statement suitable for a corresponding customer by referring to the customer information and membership store information based on authenticated detail notification. The card authorization information providing server additionally inserts the membership store promotion statement into a card transaction authentication notification SMS(Short Message Service message).

Description

System and Method for Providing Authorization Reporting Message of Credit Card}

The present invention relates to a credit card authorization notification message providing system and method for providing a variety of information related to card customers and merchants in a short message service (SMS) for notification of credit card authorization. .

In the case of the conventional method of paying cash or checks when purchasing tangible goods or intangible services for a fee, the user has to carry cash or checks at all times. The risk of injury has always been present.

In order to solve this conventional problem, recently, a user with a certain credit rating issues a credit card whose card information and transaction information are recorded on a magnetic tape or a semiconductor memory, and can use such a credit card. By signing a franchise agreement with a merchant, when the user presents a credit card when purchasing a particular product or service at the merchant, the merchant reads the card information through a dedicated merchant terminal and asks the credit card company to approve the transaction. After that, the user can later repay the credit card use to the designated payment account.

However, such a credit card always includes the possibility of theft or theft of the card information by another person, so that if the user does not know for a certain period of time that the user has been inadvertently stolen or does not know that the card information has been stolen, Illegal use of the law will face the situation that can not cope.

To this end, at present, when a purchase payment using a credit card is generated, a short message of the card approval history that allows a user to notify the mobile communication terminal in advance of the user through a short message (SMS). Message notification service has been developed and commercialized.

However, in the case of such a short message notification service of the current credit card authorization details, only the transaction authorization details that occur every time the credit card is used are used only in a state of being simply informed, so from the user's point of view, they are regarded only as a ritual delivery. As a result, the use efficiency is lowered, and a merchant or a card company cannot use such notification service more efficiently.

Moreover, even if you want to insert certain advertisements or promotional text into a short message that informs you of the card's approval details, it is only a simple porting of the paper advertisements sent by the card company into the short message. The problem is that it must fall.

Accordingly, the present invention has been made in view of the above-mentioned conventional circumstances, and an object thereof is to collect and manage various information about credit card customers and various information of merchants, and to manage customer's information through the information of customers and merchants. The present invention provides a credit card authorization notification message providing system and method for generating promotional information adaptive to the situation and the merchant's status and providing the card in addition to the card's authorized transaction notification short message.

Another object of the present invention is to connect with the information link means of the transaction approval merchant through the reply phone number for the credit card authorization transaction notification short message credit card to enable the accumulation of customer information and the grant of various events, earn points It is to provide an approval notification message providing system and method thereof.

In order to achieve the above object, according to the system of the present invention, in the system for providing a card transaction authorization information generated by a credit card transaction at the merchant in a short message, the VAN network in charge of transaction approval processing , VAN system that provides card merchant information and non-dependent merchant information to card companies on a regular or irregular basis, and notifies card details of credit card transactions at merchants, and customers of credit card users Credit card company system that provides personal information, information of merchants contracted with card companies, and promotion information for each merchant on a regular or irregular basis, and notifies card approval details according to credit card transactions at merchants, from the VAN system Card merchant information, promotional information for each merchant not dependent on the card company, and the credit card Receives card customer personal information, merchant information, and promotion information for each merchant from the company's system, stores them in a database, stores and manages them, and notifies the card approval details regarding credit card transactions through either the VAN system or the credit card company system. Upon receiving, the card approval information providing system for extracting the promotion information of the merchant suitable for the situation of the card customer based on the database information and providing a card transaction approval notification short message together with the card approval details, and the card approval information. Credit message characterized in that it comprises a short message server for transmitting the message content combined from the card authorization generated from the providing system and merchant promotion information to the mobile communication terminal possessed by the credit card customer in the form of a short message (SMS) Authorization notification message card Provide a ball system.

According to the method of the present invention to achieve the above object, in the method for providing a card transaction authorization information generated by a credit card transaction at the merchant in a short message, the VAN network in charge of the transaction approval processing In the VAN system, the information of the card merchant and the promotion information for each merchant that are independent of the card company are periodically or irregularly provided to the card authorization information providing system, and the customer personal information of the customer using the credit card in the credit card company system; Providing the information of the affiliated merchants contracted with the card company and the respective merchants to the card approval information providing system at regular or irregular occasions, the card merchant information from the VAN system in the card approval information providing system, and the card company Promotional information for each non-dependent merchant and the credit card company system. Receiving the card customer personal information, merchant information, and merchant-specific promotion information from each of the database stores and manages, if the card revenue generated by the credit card transaction at the merchant, any of the VAN system or credit card company system In the step of notifying the card authorization information providing system of the authorization information of the card, If the card authorization information according to the credit card transaction in the card authorization information providing system, the status of the card customer based on the database information Extracting the promotion information of the affiliated store suitable for the; and transmitting the extracted promotion information of the affiliated store together with the card approval details and transmitting the information to the mobile communication terminal held by the credit card customer in the form of a card transaction approval notification short message. Credit card, characterized in that made of Provides a method of providing an approval notification message.

As described above, according to the present invention, credit card customer information and information of affiliated stores are efficiently collected, stored in a database, and managed. When the notification is received, the merchant's promotion information suitable for the card customer's information is extracted based on the database information, and the promotion message is added to the transaction approval notification short message of the card, thereby providing a card customer having different inclinations and characteristics. It is possible to effectively provide customized customized promotion information through a card approval history notification message, and have an effect of receiving more practical and practical promotional information from a card customer's point of view.

In addition, by providing the return phone number of the card transaction approval notification short message to the relevant phone number of the affiliated store, the opportunity to database the customer information by calling the card customer through the reply phone number of the short message To provide, has the effect that it can provide a variety of events and opportunities of grant points.

Hereinafter, the present invention configured as described above will be described in detail with reference to the accompanying drawings.

That is, Figure 1 is a diagram showing the overall configuration of the system for providing a notification notification message of credit card according to the present invention.

As shown in Figure 1, the credit card authorization notification message providing system according to the present invention, the merchant 10, the merchant terminal 12 is arranged, a value added network (VAN) network (that is, a value-added communication network), VAN server 14, merchant information database 16, credit card company server 18, customer and partner information management server 20, card authorization information providing server 22, integrated information database 24, short message server ( 26), the mobile communication terminal 28, the ARS server 30, and the customer information database (32).

The affiliated store terminal 12 is disposed in the affiliated store 10, and when a product or service is purchased using a credit card, the merchant terminal 12 reads the card information contained in the credit card and approves the transaction of the purchase amount through the VAN network. If the request is received and the response of the transaction approval for the purchase amount is received, the purchase payment processing through the credit card is completed.

When the VAN server 14 receives a transaction approval request for a purchase amount using a credit card from the affiliated store terminal 12 of the affiliated store 10 through the VAN network, the corresponding credit card company server 18 through the card information of the corresponding credit card. Request a transaction approval, and receives a transaction approval response from the credit card company server 18 and transmits it to the affiliated store terminal 12.

The merchant information database 16 stores information of card merchants using the corresponding VAN network, that is, merchant code, merchant name, merchant location, merchant contact information, and the like. Store and manage non-dependent promotion information of merchants not dependent on

Meanwhile, the merchant's promotional information stored in the affiliate store information database 16 is stored for each affiliate store, which is collected through a VAN server 14 or a computer terminal connected to a communication network such as the Internet, and stored offline. It is preferable to input and store various promotional texts and the like transmitted from the affiliated store using a communication means such as a telephone as a data file that can be made into a database through a computer terminal.

In this case, the VAN server 14 periodically or irregularly (eg, updated information is added to the card approval information providing server 22 for the information of each affiliated store and the affiliated store stored in the affiliated store information database 16). If present).

When the credit card company server 18 receives a transaction approval request for the purchase amount of the credit card from the merchant terminal 12 through the VAN server 14 through the VAN network, the credit card company server 18 receives the transaction limit and credit status of the credit card. Determination proceeds with the transaction approval response according to the result, and notifies the card approval information providing server 22 of the card approval details for the customer of the credit card.

The customer and partner information management server 20 stores and manages the general information on the customer of the credit card managed by the credit card company server 18, and the general information about the affiliated store that has entered into an affiliate agreement with the credit card company. Each merchant stores and manages the merchant promotion information presented on the condition that the credit card company uses the credit card.

Here, the credit card company server 18 periodically or irregularly approves the card customer information, card merchant information, and merchant information for each card stored and managed by the customer and partner information management server 20. The information providing server 22 is provided.

The card approval information providing server 22 receives the card customer information provided from the VAN server 14 and the credit card company server 18, affiliated store information, and promotional information of the affiliated store, and makes a database of the VAN server 14. Based on the notification of the authorization information of the card provided from the server 14 or the credit card company server 18, the relevant merchant message is extracted by referring to the database of customer information and merchant information, and the card transaction approval notification short message Provided by inserting additionally.

The integrated information database 24 integrates and stores the card customer's information, the affiliated store's information, and the affiliated store's promotional information according to the database processing from the card approval information providing server 22.

The short message server 26 forms a text message notifying the card transaction approval generated from the card approval information providing server 22 in the form of a short message (SMS) to the mobile communication terminal 28 held by the credit card customer. send.

Here, the short message server 26 is a short message by applying the phone number for each merchant (more precisely, the telephone number of the ARS server designated by the merchant) provided by the card approval information providing server 22 as a reply number of the corresponding short message. Provide a message.

The mobile communication terminal 28 is held by a customer who uses a credit card in the affiliate store 10, and the card transaction approval provided from the card approval information providing server 22 through the short message server 26. Receives a notification short message and displays it on the screen, and proceeds to a call to the reply number of the short message by operating a call button to receive an event provided by the corresponding merchant who has traded a credit card, or to receive a reward point. .

The ARS server 30 performs a media role of providing voice guidance and providing various events and earning points to customers by a contract with the affiliated store 10, and the card transaction approval notification short message from the mobile communication terminal 28. When the call proceeds through the reply number of the message, the telephone number of the calling mobile terminal 128, which can be known through the received CID (Caller ID) service, is stored in a database, and the corresponding merchant at the merchant Guidance and participation of various events in progress, and granting points and guidance of earning points are provided.

The customer information database 32 is a mobile communication terminal 28 for making a call by making a call to the ARS server 30 in a state of storing voice guidance data of information of various events and points earned in the affiliated store. In other words, the terminal phone number of the mobile communication terminal of the card customer who called the reply number of the card transaction approval notification short message is stored, and the event progress information and the granting points of each customer by the operation of the customer are stored. Stored.

Next, FIG. 2 is a view showing a state of databaseing card customer information and merchant information collected from a VAN server and a credit card company server according to a preferred embodiment of the present invention.

As shown in FIG. 2, the card approval information providing server 22 stores each card affiliate store information provided from the VAN server 14 and promotion information of the affiliate store (that is, promotion information not dependent on a specific card company). The database is stored in the affiliated store information storage area 44 and the affiliated store promotion information storage area 46 of the integrated information database 24, respectively.

In addition, the card approval information providing server 22 is the card customer information provided from the credit card company server 18, and usability information for each card type (that is, even if the credit card issued from the same card company, gender, age, income level, The fixed information storage area of the card customer of the integrated information database 24 by receiving the use characteristic information of the different types of credit cards according to the main use purpose), the information of the affiliated merchants contracted with the card company, and the affiliated store promotion information. The database 40 is stored in the affiliated store information storage area 44 and the affiliated store information storage area 46 respectively.

The card authorization information providing server 22 is based on the contents of the card authorization information provided from the VAN server 14 or the credit card company server 18 each time a merchant transaction occurs on the credit card, and the credit card user's card is used. Information that is dynamically changed in consideration of the usage state is updated and stored in the flexible information storage area 42 of the card customer of the integrated information database 24.

The VAN server 14 may provide information such as a credit card name, a merchant code, a transaction date and time, a transaction amount, and the like as the credit card authorization details notification. As the contents of the authorization notification, information such as a card customer name, a merchant code, a transaction date, and a transaction amount may be provided.

Meanwhile, as shown in FIG. 3, the integrated information database 24 includes a card customer name, card customer gender, card customer age, marital status information, parental status information, and the like in the fixed information storage area 40 of the card customer. Fixed personal information such as residential area information is stored in a database and stored and managed, and the main day of card use, main card time of use, main card type of business, main card area of use, etc., in the flexible information storage area 42 of the card customer. Likewise, constant updates are required and flexible information is stored and managed in a database.

In addition, the merchant information storage area 44 of the integrated information database 24 stores and stores a database of general information about the merchant such as the merchant code, the name of the merchant, the merchant industry, the merchant location area, the merchant contact number, and the like. The merchant-specific promotional information storage area 46 includes continuous updates such as merchant promotional data for each card company, information on the validity of the promotional text, promotional text data that is not dependent on the card company, and promotional validity periods of the non-dependent promotional text. And store and manage the information required to be managed for each validity period in a database.

On the other hand, when the card authorization information providing server 22 is notified of the card approval details from the VAN server 14 or the credit card company server 18, information from the fixed storage area 40 of the customer using the credit card. And searching information stored in the fluid information storage area 42 of the card customer, extracting appropriate search information for the card customer, and storing the merchant information 44 based on the extracted search information of the customer. And searching the information in the promotional information storage area 46 for each affiliate store to extract the affiliate store suitable for the search information of the customer and the promotional phrase of the affiliate store.

The card approval information providing server 22 provides a short message (SMS) by combining the promotional text of the affiliate store extracted based on the database information of the integrated information database 24 with the card approval details.

Next, the operation of the present invention made as described above will be described in detail with reference to the flowchart of FIG. 4 and the drawings of FIGS. 5A to 5D.

First, when a purchase payment by a credit card occurs in the merchant terminal 12 installed in the affiliate store 10 (step S10), the amount of purchases to the VAN server 14 through the VAN network by reading the card information of the credit card The transaction request of (S11), the VAN server 14 is connected to the credit card company server 18 of the credit card and requests the transaction approval of the purchase amount (step S12).

Accordingly, the credit card company server 18 performs a transaction approval response in consideration of the usage limit amount of the credit card for which the transaction approval is requested and the user's credit rating (step S13), and the VAN server 14 performs the credit. The transaction approval response result from the card company server 18 is transmitted to the affiliated store terminal 12 (step S14).

Accordingly, the affiliated store terminal 12 completes the payment processing of the purchase amount using a credit card (step S15).

At this time, the credit card company server 18 provides the card authorization name, merchant code, transaction date and time, transaction amount information to the card authorization information providing server 22 as the credit card authorization history information (step S16), The card approval information providing server 22 retrieves the fixed information and the fluid information of the card customer of the integrated information database 24 based on the approval history information of the card to extract appropriate search information for the credit card customer. (Step S17).

In this state, the card approval information providing server 22 is based on the merchant information and the respective merchant information of the integrated information database 24 based on the appropriate search information extracted from the fixed information and the fluid information of the card customer of the integrated information database 24. By retrieving the promotion information for each affiliate, the promotional phrase of the affiliated store suitable for the retrieved information extracted for the card customer is extracted (step S18).

The card approval information providing server 22 combines the appropriate merchant promotion text extracted from the database information of the integrated information database 24 with the information of the card approval history, and through the short message server 26 the phone number of the corresponding merchant (ie, A card transaction approval notification short message is sent to the mobile communication terminal 28 held by the user of the credit card (step S19).

Accordingly, the mobile communication terminal 28 receives the card transaction approval notification short message and displays it on the screen (step S20). As shown in FIG. It is preferable to add the promotional text of the affiliated store where the card transaction is made as promotional information extracted in consideration of the fixed information and the fluid information.

On the other hand, in the card authorization information providing server 22, as shown in Figure 5b, even if the affiliate store that is not affiliated with the affiliated transaction that the card is authorized, other merchants that are determined to be suitable as a search result of the fixed and fluid information of the card customer It is also possible to provide additional promotional text.

The mobile communication terminal 28 proceeds to the call to the reply number of the card transaction approval notification short message by operating the call button by the user (step S21), the ARS server 30 connected to the reply number is After storing the terminal telephone number of the mobile communication terminal 28 in the customer information database 32, various events or points earned for the customer are retrieved (step S22).

The ARS server 30 proceeds with a voice guidance for providing a variety of event guidance and participation opportunities for the card customer as the search result, and proceeds the guidance of granting the earned points (step S23).

On the other hand, the card authorization information providing server 22, apart from notification of the credit card authorization information of the credit card, as shown in Figure 5c, fixed information and dynamic information of the card customer retrieved from the integrated information database 24 as the event notification information It is also possible to include event promotion texts appropriately extracted in consideration of the information in a short message and provide them regularly or irregularly.

In addition, the card approval information providing server 22, based on the use information of the credit card provided from the credit card company server 18, as shown in FIG. 5D, separate from the card approval history notification of the credit card. It is also possible to provide the customer's mobile communication terminal 28 with the credit card total usage information such as the total amount of money used by the customer and the remaining limit amount as a short message.

While specific embodiments of the present invention have been described and illustrated above, it will be apparent that the present invention may be embodied in various modifications by those skilled in the art. Such modified embodiments should not be understood individually from the technical spirit or the prospect of the present invention, but should fall within the claims appended to the present invention.

1 is a view showing the overall configuration for a system for providing a notification notification message of a credit card according to the present invention;

2 is a view showing a state of databaseting card customer information and merchant information collected from a VAN server and a credit card company server according to a preferred embodiment of the present invention;

3 is a diagram illustrating a state of generating a card approval notification message in which promotional text is combined by using database information according to a preferred embodiment of the present invention;

4 is a flowchart illustrating an operation of a method for providing an authorization notification message of a credit card according to the present invention;

5A to 5D are diagrams exemplarily illustrating a screen display configuration of a card approval notification message issued in various forms according to the present invention.

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

10: merchant, 12: merchant terminal,

14: VAN server, 16: merchant information database,

18: credit card company server, 20: customer and partner information management server,

22: card authorization information providing server, 24: integrated information database,

26: short message server, 28: mobile communication terminal,

30: ARS server, 32: customer information database.

Claims (16)

In the system for providing a card transaction authorization information generated by the credit card transaction at the merchant in a short message, The VAN network is in charge of the transaction approval process of the credit card, and provides card merchant information and non-dependent merchant information to the card company on a regular or occasional basis, and notifies the card approval details of the credit card transaction at the merchant. A VAN system; Credit card company that provides customer's personal information of relevant credit card users, information of merchants contracted with card companies, and promotion information for each merchant on a regular or occasional basis, and notifies card details of credit card transactions at merchants. system; It receives and stores the card merchant information from the VAN system, promotion information for each merchant that is independent of the card company, and the card customer personal information, merchant information, and promotion information for each merchant from the credit card company system, and store and manage the database. If the user is notified of the credit card authorization for the credit card transaction through any one of the VAN system or the credit card company system, the card approval details are extracted by extracting the promotion information of the affiliated store suitable for the situation of the card customer based on the database information. A card approval information providing system for providing a card transaction approval notification short message together; And And a short message server for transmitting a message content combining the card approval information generated from the card approval information providing system and the merchant promotion information to a mobile communication terminal held by the credit card customer in the form of a short message (SMS). Characterized in that the credit card authorization notification message providing system. The method of claim 1, The card authorization details notified from the VAN system include credit card name, merchant code, transaction date and time, and transaction amount information. The card authorization details notified from the credit card company system include card customer name, merchant code, transaction date and time, and transaction amount information. The method of claim 1, The card approval information providing system includes a fixed information storage area of a card customer for storing personal information of a card customer, a fluid information storage area of a card customer which is constantly updated and fluidly managed according to the use of a credit card of the card customer, and the VAN. A merchant information storage area for storing merchant information from the system and merchant information from the credit card company system, merchant information independent of the card company from the VAN system, and merchants dependent from the card company from the credit card company system. A credit card authorization notification message providing system comprising an integrated information database having a promotional information storage area for each merchant for storing promotional information. The method of claim 3, wherein When the credit card approval information is notified, the card approval information providing system retrieves fixed and fluid information of the credit card customer from the integrated information database, extracts appropriate search information for the customer, and based on the extracted search information. And searching for merchant information and promotion information for each merchant to extract promotion information suitable for the search information. The method of claim 1, The card approval information providing system is configured to transmit a reply number of a card transaction approval notification short message at the short message server to be set as an associated phone number of an affiliated store. The method of claim 5, wherein Connected to the relevant telephone number of the affiliated store according to the agency contract with the affiliated store, the terminal telephone number for the mobile communication terminal of the customer who calls the reply number of the card transaction approval notification short message is stored as a database, An ARS server for providing voice guidance for the event and granting of earned points; Store the terminal telephone number of the mobile communication terminal of the card customer who called the reply number of the card transaction approval notification short message while storing the voice guidance data of the event and the earned point information of the event carried out at the merchant. And, a customer information database configured to store event progress information and customer grant points for each customer by the operation of the customer. The method according to claim 1 or 3, The card approval information providing system, apart from the card approval history notification of the credit card, is a short message of event promotion phrases appropriately extracted in consideration of the fixed information and the fluid information of the card customer searched from the integrated information database as event notification information. System for providing a notification notification message of the credit card, characterized in that it is included in the regular or occasional provision. The method of claim 1, The card approval information providing system is configured to receive the total usage information of the credit card from the credit card company system and provide it to the mobile communication terminal of the customer through a short message, separately from the card approval history notification of the credit card. System for providing notification of authorization of a credit card. In the method for providing a card transaction authorization information generated by the credit card transaction at the merchant in a short message, A first step of providing the card authorization information to the card authorization information provision system on a regular or occasional basis in the VAN system in the VAN system in charge of the transaction approval processing of the credit card in the VAN network; A second step of providing, on a credit card company system, customer personal information of a corresponding credit card using customer, information of an affiliated store contracted with a card company, and promotion information for each affiliated store to the card approval information providing system at regular or irregular occasions; The card authorization information providing system provides card affiliate store information from the VAN system, non-dependent affiliate store promotion information to the card company, card customer personal information from the credit card company system, affiliate store information, and merchant store promotion information, respectively. Receiving a database to store and manage the third step; A fourth step of notifying the card approval information providing system of the approval information of the card in any one of the VAN system or the credit card company system when the card sales are generated according to the credit card transaction at the merchant; A fifth step of extracting promotion information of an affiliate store suitable for the situation of the corresponding card customer based on the database information when the card approval information providing system is notified of the card approval details according to the credit card transaction; And And a sixth step of combining the extracted promotion information of the affiliated store together with the card approval details and transmitting it to the mobile communication terminal possessed by the credit card customer in the form of a card transaction approval notification short message. How to provide an approval notification message. The method of claim 9, In the third step, the card authorization information providing system includes a database of fixed information storage areas of card customers for storing personal information of card customers, and card customers which are constantly updated and fluidly managed according to the use of credit cards of card customers. Flexible information storage area, merchant information storage area for storing merchant information from the VAN system and merchant information from the credit card company system, merchant information for each merchant independent of the card company from the VAN system and the credit card company system Method for providing an authorization notification message for a credit card, characterized in that it is configured to manage by classifying the merchant-specific promotion information storage area for storing the merchant information dependent on the card company from. The method of claim 9, In the fourth step, the VAN system notifies the card approval details including the credit card name, merchant code, transaction date and time, transaction amount information, The credit card company system provides a credit card authorization notification message, characterized in that the card customer name, the merchant code, the transaction date and time, the card authorization details including the information of the transaction amount. The method of claim 10, In the fifth step, when the credit card authorization information is notified in the card authorization information providing system, extracting the appropriate search information for the customer by retrieving the fixed and fluid information of the credit card customer from the database; And searching for merchant information and promotion information for each merchant based on the extracted search information, and extracting promotion information suitable for the search information. The method of claim 9, In the sixth step, the credit card authorization information providing system is configured to transmit the reply number of the card transaction approval notification short message is set to the relevant telephone number of the merchant, the credit card authorization notification message providing method. The method of claim 13, After the sixth step, the terminal telephone of the mobile communication terminal of the customer connected to the relevant telephone number of the affiliated store from the ARS server in the agency contract relationship with the affiliated store and called at the reply number of the card transaction approval notification short message Storing the numbers in a database; In the ARS server, the voice guidance for granting the event and credit points of the affiliate store, Event progress information is generated by the operation of the customer's mobile communication terminal, the credit notification of the credit card, characterized in that further comprising the step of storing each information in the database when the grant information of the earning points for each customer is generated How to Provide. The method according to claim 9 or 10, Apart from the notification of credit card authorization of the credit card in the card authorization information providing system, the event promotion phrases appropriately extracted in consideration of the fixed and fluid information of the card customer retrieved from the database as the event notification information are regularly included in the short message. Or irregularly providing the credit card authorization notification message. The method of claim 9, Apart from notification of credit card authorization of the credit card in the card approval information providing system, receiving the total usage information of the credit card from the credit card company system and providing the received information to a mobile communication terminal of the corresponding customer through a short message. Method for providing a notification notification message of the credit card, characterized in that made.

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