KR20100018678A - Donation system using credit card and method thereof - Google Patents

Donation system using credit card and method thereof Download PDF

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Publication number
KR20100018678A
KR20100018678A KR1020080077276A KR20080077276A KR20100018678A KR 20100018678 A KR20100018678 A KR 20100018678A KR 1020080077276 A KR1020080077276 A KR 1020080077276A KR 20080077276 A KR20080077276 A KR 20080077276A KR 20100018678 A KR20100018678 A KR 20100018678A
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donation
amount
information
credit card
card
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KR1020080077276A
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Korean (ko)
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김중래
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김중래
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Priority to KR1020080077276A priority Critical patent/KR20100018678A/en
Publication of KR20100018678A publication Critical patent/KR20100018678A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4012—Verifying personal identification numbers [PIN]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q50/00—Information and communication technology [ICT] specially adapted for implementation of business processes of specific business sectors, e.g. utilities or tourism
    • G06Q50/10—Services
    • G06Q50/26—Government or public services

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Tourism & Hospitality (AREA)
  • Development Economics (AREA)
  • Human Resources & Organizations (AREA)
  • Educational Administration (AREA)
  • Computer Security & Cryptography (AREA)
  • Health & Medical Sciences (AREA)
  • Economics (AREA)
  • General Health & Medical Sciences (AREA)
  • Finance (AREA)
  • Marketing (AREA)
  • Primary Health Care (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Cash Registers Or Receiving Machines (AREA)

Abstract

The present invention relates to a donation system and a method through a credit card, and when using a credit card, the donation amount is automatically added according to the donation conditions, and the donation amount is summed up to the settlement amount so that the user can easily carry the cash. Donation can promote donation culture and induce settlement.

Description

Donation system and method through credit card {DONATION SYSTEM USING CREDIT CARD AND METHOD THEREOF}

The present invention relates to a donation system and a method through a credit card, and more specifically, when using a credit card, the donation amount is automatically added to the donation amount according to the donation conditions and the donation amount is added to the settlement amount. The present invention relates to a donation system through a credit card and a method thereof.

When a customer stops at a store or shopping mall and buys an item, there is always a change, and when a customer purchases cash in cash instead of a credit card / electronic money, a hassle is required.

Recently, donations have been installed in taxis, pharmacies, convenience stores, etc. to encourage customers to put in their donations any change or cash they have received.

However, in the form of donation of change, donor providers become taxi companies, pharmacies, convenience stores, etc., and the choice of donation groups becomes taxi companies, pharmacies, convenience stores, etc., so that the donation culture is limited due to the lack of personal choice.

Therefore, in order to solve such a problem, the applicant filed and registered (Registration No. 10-0760022, registered on September 18, 2007) on February 13, 2007, entitled "Chang donation method and system".

Here, when the merchant pays cash in cash, and the customer presents a cash receipt card and expresses a donation for the change, the merchant card terminal reads the card information of the cash receipt card and inputs the cash settlement amount and the change to donate. By doing so, the merchant card terminal not only reports cash transactions to the IRS through VAN, but also delivers them to the operation server so that donation processing can be made.

Of course, even if it is not a cash settlement, presenting a donation card with the cash that the customer is always holding and revealing the donation intention, the merchant card terminal can be delivered to the operation server through the VAN company to allow the donation processing.

However, if you donate change or cash through the change donation system as described above, you can easily donate the remaining change after purchasing an item, but in order to donate the cash you have, you will need to visit a merchant and present the cash to the clerk. There is a problem that it is difficult to make constant and autonomous donations due to the inconvenience of asking for donations.

Therefore, in order to improve such a problem, the applicant has filed a registration decision (2008.05.19.2008) by applying for a cash donation terminal and a donation method using the same on December 14, 2007 (No. 10-2007-0131483). .

In this case, when cash is autonomously inputted through a kiosk-type cash donation terminal so that the user can donate a small amount of cash voluntarily, the cash is counted and stored and the registered donation group is selected by the user. I can do it.

The technology described above refers to the background of the technical field to which the present invention belongs, and does not mean the prior art.

If you donate the remaining change while paying for the goods in cash, or if you donate cash directly using the cash donor terminal, you can easily donate the cash you have, but most people do not have cash. In addition to carrying around, there is a problem in that donations are lowered as the use of credit cards rather than cash is used.

The present invention was created to improve the above-mentioned problems, credit is used to automatically make a donation by adding a donation amount to the payment amount by automatically paying the donation amount according to the donation conditions when using a credit card The purpose is to provide a donation system and a method through a card.

A donation system through a credit card according to an aspect of the present invention includes a credit card and donation card possessed by the customer; A card terminal for reading information of a credit card and a donation card and delivering payment information and donation information; A credit card system for processing credit card business; And receiving payment information and donation information input from the card terminal and searching for the donor member to calculate the donation amount according to the donation conditions, requesting the approval of the payment amount and the donation amount to the credit card system and sending the approval result to the card terminal. It is characterized in that it comprises a; operation as well as for transmitting and managing the donation member management and donation tasks.

The present invention further includes a donation card which is issued at the time of joining the donation member and is held by the customer, and reads the donation card in the card terminal and transmits the donation information to the operation server.

A donation method through a credit card according to an aspect of the present invention comprises the steps of receiving credit card payment information from the card terminal; Determining whether a donor member is based on credit card payment information; Calculating a donation amount according to a set donation condition in the case of a donation member; Requesting approval of a payment amount and a donation amount according to the payment information; Returning the approval result to the card terminal; And donating the donation amount according to the donation condition.

In the present invention, the non-contributing member is characterized by requesting approval for the payment amount according to the payment information.

Donation conditions in the present invention is characterized by including the individual donation groups, donation amount calculation information, and whether or not anonymous donation.

Individual donation groups in the present invention is characterized in that it can be selected and registered a large number of arbitrary donation groups from a plurality of donation organizations registered in the operation server.

In the present invention, when a large number of donation organizations are selected, the ratio of each donation amount may be set.

In the present invention, the donation amount calculation information is characterized in that a predetermined ratio of the payment amount.

In the present invention, the donation amount calculation information is characterized in that the amount rounded up by the number of digits in the settlement amount.

In addition, the method of donating through a credit card according to another aspect of the present invention comprises the steps of receiving credit card payment information from the card terminal; Determining whether to input donation information after receiving credit card payment information; Determining whether a donor member is based on credit card payment information or donation information; Calculating a donation amount according to a set donation condition in the case of a donation member; Requesting approval of a payment amount and a donation amount according to the payment information; Returning the approval result to the card terminal; And donating the donation amount according to the donation condition.

Donation information in the present invention is characterized in that the card information or personal registration number by the donation card.

Personal registration number in the present invention is characterized in that any one of a phone number, mobile phone number, social security number.

In the present invention, the non-contributing member is characterized by requesting approval for the payment amount according to the payment information.

Donation conditions in the present invention is characterized by including the individual donation groups, donation amount calculation information, and whether or not anonymous donation.

Individual donation groups in the present invention is characterized in that it can be selected and registered a large number of arbitrary donation groups from a plurality of donation organizations registered in the operation server.

In the present invention, when a large number of donation organizations are selected, the ratio of each donation amount may be set.

In the present invention, the donation amount calculation information is characterized in that a predetermined ratio of the payment amount.

In the present invention, the donation amount calculation information is characterized in that the amount rounded up by the number of digits in the settlement amount.

As described above, in the present invention, when a credit card is used, the donation amount is automatically added according to the donation condition, and the donation amount is added to the settlement amount so that a simple donation can be made even without cash. Can be induced.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the donation system and method through a credit card according to the present invention. In this process, the thickness of the lines or the size of the components shown in the drawings may be exaggerated for clarity and convenience of description. In addition, terms to be described below are terms defined in consideration of functions in the present invention, which may vary according to the intention or convention of a user or an operator. Therefore, definitions of these terms should be made based on the contents throughout the specification.

1 is a block diagram showing a donation system through a credit card according to an embodiment of the present invention.

As shown here, the donation system through a credit card includes a credit card 10 and a donation card 12, a card terminal 20, a credit card system 40, and an operation server 30.

In addition, the user terminal 60 is connected to the operation server 30 is connected to the Internet 50 to set the donation conditions and select the donation group.

The credit card 10 is a card issued from a credit card company for a general credit purchase, the donation card 12 is a card recorded the subscription information issued while joining as a donation member.

When a user accesses the operation server 30 through the user terminal 60 and registers as a donation member, the user may register through a credit card 10 which he or she mainly uses, and receives and registers a donation card 12. It is possible to make a donation through the donation card 12 even if another credit card is used instead of the used credit card 10.

The card terminal 20 reads the information of the credit card 10 and the donation card 12 and delivers the payment information and the donation information when purchasing goods at the merchant and presenting the credit card 10 and the donation card 12. do.

The credit card system 40 processes credit card affairs according to the use of the credit card 10.

The operation server 30 receives the payment information and the donation information input from the card terminal 20 to search for a donation member and calculates a donation amount according to the donation condition, thereby providing a credit card system 40 for the settlement amount and the donation amount. Request the approval to send the approval result to the card terminal 20 as well as the management of the donation member and donation work.

Therefore, when a payment is made using a credit card 10 after purchasing goods at a merchant, the payment information is transmitted from the card terminal 20 to the operation server 30 and the donation based on the payment information from the operation server 30. Search for membership and if you are a donor member, calculate the donation amount according to the pre-set donation conditions, request the approval to the credit card system 40, and send the approval result to the card terminal 20 to make payment for the purchase amount. In addition, the donation amount is also settled together so that the donation can be made.

In addition, when presenting the donation card after using the credit card 10, the payment information and donation information recorded in the donation card is transferred from the card terminal 20 to the operation server 30 based on the donation information Search for and calculate the donation amount from the credit card payment amount according to the set donation conditions, request the approval to the credit card system 40 and transmit the approval result to the card terminal 20, the payment for the purchase amount is made as well as donation Make sure your donation is made by paying the amount.

2 is a flowchart illustrating a donation method through a credit card according to an embodiment of the present invention.

First, after purchasing the goods at the credit card merchant stores the payment using the credit card 10 as a payment method (S202).

Then, the card terminal 20 generates payment information for approval and transmits it to the operation server 30 (S204).

The operation server 30 receives the transmitted payment information to determine whether the donation member (S206).

If you enter a credit card number that you usually use when signing up as a donor member, the donor member will be determined based on the credit card number included in the payment information.

When the user who paid in this way is a donation member, the donation amount is calculated according to the donation conditions set by the user (S208).

Donation conditions include individual donation groups, donation amount calculation information, and whether or not anonymous donation can be set even after accessing the operation server 30 through the Internet (50) to join or subscribe as a donation member.

Individual donation groups may select and register a plurality of arbitrary donation groups among a plurality of donation organizations registered in the operation server 30, and in the case of selecting a plurality of donation groups, may set a ratio of donations for each donation group.

In addition, the donation amount calculation information may set a predetermined ratio of the settlement amount as the donation amount.

For example, if the payment amount is 10,000 won, the donation amount will be 200 won if the set percentage is 2%.

On the other hand, as with the change, the donation amount calculation information may be an amount rounded up by the number of digits in the settlement amount.

In other words, if the rounding digit is set to 100 units, when the payment amount is 12,500 won, the donation amount is 500 won, which is an increase of 13,000 won.

If the rounding digit is set to 1000 units, the rounded-up amount is 20,000 won, so the donated amount is 7,500 won.

When the donation amount is calculated, the request for approval of the payment amount and the donation amount according to the payment information (S210).

After the notification of the approval result from the credit card system 40, it is returned to the card terminal 20 (S214).

Then, the donation processing is performed on the donation amount according to the donation condition (S216).

However, in the case of not a donor member above, after requesting approval for the payment amount according to the payment information according to a conventional credit card payment method, the approval result is returned to the card terminal 20 (S212) (S214).

3 is a flowchart illustrating a donation method through a credit card according to another embodiment of the present invention.

Here is how to make a donation according to the donation information when donation card 12 is issued and the donation card 12 is issued instead of using the registered credit card 10, and the donation information is presented while paying with the general credit card 10. Explain.

In this case, the donation information may be card information or a personal registration number by the donation card 12, and a personal registration number may be any one of a phone number, a mobile phone number, and a social security number.

First, after purchasing the goods at the credit card merchant stores using the credit card 10 as a payment method (S302).

Then, when the donation card 12 is used to input donation information, the donation information is read out from the donation card 12 (S304) (S306).

The donation information thus read is transmitted to the operation server 30 (S308).

However, if the donation information is not input, the payment information by the credit card 10 is transmitted to the operation server (S310).

Then, the operation server 30 receives the payment information and donation information to determine whether the donation member (S312).

If you enter your own credit card number when signing up as a donor member, the credit card number included in the billing information will be used to determine whether you are a donor member. When you do not have a registered credit card number even if the donation card 12 through the donation information to determine whether or not the membership.

When the user who paid in this way is a donation member, the donation amount is calculated according to the donation conditions set by the user (S314).

The calculation of the donation amount is calculated according to the donation condition by the method described with reference to FIG. 2.

When the donation amount is calculated as described above, a request for approval of the payment amount and the donation amount is made according to the payment information (S316).

After receiving the approval result from the credit card system 40, it returns to the card terminal 20 (S320).

Then, the donation is performed according to the donation conditions for the donation amount (S322).

However, if the above is not a donation member, after requesting the approval for the payment amount according to the payment information according to the conventional credit card payment method and returns the approval result to the card terminal 20 (S318) (S320).

Although the present invention has been described with reference to the embodiments shown in the drawings, this is merely exemplary, and those skilled in the art to which the art belongs can make various modifications and other equivalent embodiments therefrom. I will understand. Therefore, the technical protection scope of the present invention will be defined by the claims below.

1 is a block diagram showing a donation system through a credit card according to an embodiment of the present invention.

2 is a flowchart illustrating a donation method through a credit card according to an embodiment of the present invention.

3 is a flowchart illustrating a donation method through a credit card according to another embodiment of the present invention.

   -Explanation of symbols for the main parts of the drawings-

10: credit card 12: donation card

20: card terminal 30: operating server

40: credit card system 50: Internet

60: user terminal

Claims (18)

A credit card held by the customer; A card terminal for reading information of the credit card and delivering payment information; A credit card system for processing credit card business; And Receives the payment information input from the card terminal and searches for a donor member to calculate a donation amount according to the donation condition, requesting approval to the credit card system for the payment amount and the donation amount and sending the approval result to the card terminal. Donation system through a credit card, characterized in that it comprises a; operation server for transmitting as well as management of donation members and donation work. The method of claim 1, further comprising a donation card issued when the donation member is registered and held by the customer, and reading the donation card in the card terminal to transmit donation information to the operation server to search for the donation member. Donation system characterized by credit cards. Receiving credit card payment information from a card terminal; Determining whether a donor member is based on the credit card payment information; Calculating a donation amount according to a set donation condition in the case of the donation member; Requesting approval of a payment amount and a donation amount according to the payment information; Returning an approval result to the card terminal; And And donating the donation amount based on the donation condition. According to claim 3, If the donation member is a donation method through a credit card, characterized in that for requesting approval for the payment amount according to the payment information. 4. The method of claim 3, wherein the donation condition includes a donation group for each individual, information on calculating a donation amount, and whether an anonymous donation is made. The method of claim 5, wherein the individual donation groups can select and register a plurality of any donation groups among a plurality of donation organizations registered in the operation server. 7. The method of claim 6, wherein if a plurality of donation groups are selected, the ratio of each donation amount can be set. The method of claim 5, wherein the donation amount calculation information is a predetermined ratio of the payment amount. The method of claim 5, wherein the donation amount calculation information is an amount rounded up by the number of digits in the settlement amount. Receiving credit card payment information from a card terminal; Determining whether to input donation information after receiving the credit card payment information; Determining a donation member based on the credit card payment information or the donation information; Calculating a donation amount according to a set donation condition in the case of the donation member; Requesting approval of a payment amount and a donation amount according to the payment information; Returning an approval result to the card terminal; And And donating the donation amount according to the donation condition. The method of claim 10, wherein the donation information is a card information or a personal registration number by a donation card. 12. The method of claim 11, wherein the personal registration number is any one of a telephone number, a mobile phone number, and a social security number. 11. The method of claim 10, wherein the non-contributing member requests for approval of a payment amount according to the payment information. The method of claim 10, wherein the donation condition includes a donation group for each individual, information on calculating a donation amount, and whether an anonymous donation is made. 15. The method of claim 14, wherein the individual donation groups can select and register a plurality of arbitrary donation groups among a plurality of donation organizations registered in the operation server. 16. The method of claim 15, wherein when a plurality of donation groups are selected, a ratio of donation amounts can be set. 15. The method of claim 14, wherein the donation amount calculation information is a predetermined ratio of the payment amount. 15. The method of claim 14, wherein the donation amount calculation information is an amount rounded up by the number of digits in the settlement amount.
KR1020080077276A 2008-08-07 2008-08-07 Donation system using credit card and method thereof KR20100018678A (en)

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Cited By (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101254279B1 (en) * 2011-09-02 2013-04-12 주식회사 스마트로 Method and system for providing escrow donation service
KR101397179B1 (en) * 2013-09-05 2014-05-19 주식회사 기가코리아 Method for providing online donation service
KR20160027261A (en) 2014-08-27 2016-03-10 황윤식 a method of donation using ticket gate
KR20190015647A (en) * 2017-07-27 2019-02-14 주식회사 위즈드림 Donation system and method with automatic payment
KR20220096175A (en) * 2020-12-30 2022-07-07 주식회사 코밴 Method for providing local based donation service using kiosk

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR101254279B1 (en) * 2011-09-02 2013-04-12 주식회사 스마트로 Method and system for providing escrow donation service
KR101397179B1 (en) * 2013-09-05 2014-05-19 주식회사 기가코리아 Method for providing online donation service
WO2015034242A1 (en) * 2013-09-05 2015-03-12 주식회사 기가코리아 Online donation service providing method
KR20160027261A (en) 2014-08-27 2016-03-10 황윤식 a method of donation using ticket gate
KR20190015647A (en) * 2017-07-27 2019-02-14 주식회사 위즈드림 Donation system and method with automatic payment
KR20220096175A (en) * 2020-12-30 2022-07-07 주식회사 코밴 Method for providing local based donation service using kiosk

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