WO2011004981A2

WO2011004981A2 - Payment=processing method and system for same

Info

Publication number: WO2011004981A2
Application number: PCT/KR2010/004230
Authority: WO
Inventors: 임표; 곽병곤
Original assignee: 비씨카드 주식회사
Priority date: 2009-07-07
Filing date: 2010-06-30
Publication date: 2011-01-13
Also published as: WO2011004981A3; KR20110004200A; KR101168074B1

Abstract

The present invention relates to a payment-processing method comprising: a step of receiving a spending limit establishment signal for a post-payment processing within a credit limit corresponding to a specific unit period inputted by a customer via a customer terminal; a step of receiving a request for payment from a store terminal when a purchase is made using a specific card of the customer; a step of determining whether or not the purchase price exceeds the spending limit; and a step of processing the payment in a post-payment system if the purchase price falls within the spending limit, and, if the purchase price exceeds the spending limit, processing the payment in a system including an immediate payment.

Description

How payments are processed and systems for them

The present invention relates to a payment processing method and a system therefor, in particular a payment processing method comprising a post-payment and immediate payment.

In recent years, with the rapid development of the card market, the types and uses of cards are diversifying. Accordingly, the card company is strengthening the service to the customer by issuing a card that includes a variety of services, or provide various types of affiliate services.

On the other hand, constraints on the credit limit and usage limit imparted to the card are increasing, and alternative services have been proposed in cases where the credit limit and usage limit of the card are exceeded.

It is an object of the present invention to provide a payment processing method and system for supporting the planned card use.

The present invention for achieving the above object, the step of receiving a usage setting signal for the post-payment processing within the credit limit corresponding to a specific unit period input through the customer's terminal from the customer, the specific card of the customer If the purchase is made through, receiving the purchase price payment request from the merchant terminal, determining whether the purchase price exceeds the usage limit, and if the purchase price is within the usage level, the payment processing by the post-payment method, When the purchase price exceeds the usage limit, it provides a payment processing method comprising the step of payment processing by a payment method including an instant payment.

In addition, the present invention for achieving the above object, the customer terminal for receiving and transferring the set value for the post-payment processing within the credit limit of the customer corresponding to a specific unit period, the purchase through the specific card of the customer When is made, the merchant terminal requesting the payment of the purchase price and the usage setting value received from the customer terminal to determine whether the purchase price exceeds the usage limit, and if the purchase price is within the usage limit It provides a payment processing system characterized in that it comprises a card company server for payment processing in a post-payment method, and the payment process including the immediate payment if the purchase price exceeds the usage limit.

As described above, the payment processing method and system therefor according to an embodiment of the present invention can efficiently manage individual credit by using a card intentionally.

1 is a configuration diagram schematically showing the configuration of the card operating system according to an embodiment of the present invention,

2 is a flowchart schematically showing a card operating method according to an embodiment of the present invention;

3 is an exemplary view illustrating a usage level setting method of a post-payment card set in units of a period according to an embodiment of the present invention.

4 is an exemplary view showing an SMS screen for notifying a result of a post-payment and instant payment combined payment process according to an embodiment of the present invention.

5 is an exemplary view showing a card usage notification SMS screen according to an embodiment of the present invention.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments taken in conjunction with the accompanying drawings.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention that can specifically realize the above object will be described. At this time, the configuration and operation of the present invention shown in the drawings and described by it will be described as at least one embodiment, by which the technical spirit of the present invention and its core configuration and operation is not limited.

The terms used in the present invention have been selected as widely used general terms as possible in consideration of the functions in the present invention, but may vary according to the intention or custom of the person skilled in the art, the emergence of new technologies, and the like. In addition, in certain cases, there is also a term arbitrarily selected by the applicant, in which case the meaning will be described in detail in the description of the invention. Therefore, it is intended that the terms used in the present invention should be defined based on the meanings of the terms and the general contents of the present invention, rather than simply the names of the terms.

In the present specification, the credit limit refers to the maximum amount that can be post-paid for a certain unit period (for example, one month). The credit limit may be set in consideration of the credit information of the customer. The credit limit may change depending on the credit status of the customer and the performance of the card. The credit limit may include a lump sum, an installment, a cash service, and an overseas use limit.

As used herein, means the amount of post-payment limit that the customer can set and use in consideration of their credit limit within a predetermined period unit. At this time, the customer can directly set the card usage for the desired period. For example, the customer may set a usage amount of a post-payment amount to be used within a corresponding period based on a certain period unit such as 1 day, 1 week or 1 month. The usage degree may be set through a web page of a card company server or a call center of the card company.

In the present invention, the post-payment refers to a payment method that can delay the purchase price for a product or service of a customer for a predetermined period of time and then process the payment on a predetermined date. The payment method of the post-payment method may include a credit card.

Immediate payment in the present invention means a payment method for withdrawing the purchase price of the customer directly from the customer's account. The payment method used for the instant payment may include an account-based instant payment card such as a prepaid card, a debit card and a check card. In addition, the immediate payment may be implemented by directly withdrawing the excess amount from a predetermined account.

1 is a configuration diagram schematically showing the configuration of the card operating system according to an embodiment of the present invention, Figure 2 is a flow chart schematically showing a card operating method according to an embodiment of the present invention.

As shown in FIG. 1, the card operating system according to the present invention may include a customer terminal 110, an affiliated store server 120, and a card company server 130.

The customer may set the usage level for the post-payment processing within the credit limit corresponding to the specific terminal period. In addition, the customer terminal 110 may transmit the set card usage to the card company server 130. In addition, the customer may purchase goods or services at a merchant and present a card for the purchase price to request payment.

The merchant server 120 may request the card company server 130 for payment processing using the card presented from the customer. That is, the affiliated store server 120 may transmit the card information and the payment information of the customer to the card company server 130 according to the payment request of the customer. The card information may include a card usage level preset by the customer. The payment information may include a purchase price to be paid by the customer.

The card company server 130 may receive card information and payment information of the customer transmitted from the affiliated store server 120. The card information and payment information of the customer may be analyzed to determine whether the purchase price of the customer is within the set usage limit. As a result of the determination, when the purchase price of the customer is within the set usage level, the card company server 130 may process the purchase price in a post-payment manner. On the other hand, when the purchase price exceeds the set usage limit, the card company server 130 may perform a post-payment process within the set usage range, and immediately process the excess amount. In this case, the payment method used for the post-payment may include a post-pay credit card. The payment means used for the instant payment may include an account-based instant payment card such as a prepaid card, a debit card, and a check card. In addition, the immediate payment may be implemented by directly withdrawing the excess amount from a predetermined account.

Hereinafter, the card operating method of the present invention shown in FIG. 2 will be described with reference to the card operating system of the present invention shown in FIG. 1.

As shown in Figure 2, the present invention can implement a card operating method that can be used in combination with the immediate payment and after payment.

First, the customer sets the credit card usage using the customer terminal 110 [S210]. The usage degree may be directly set through a web page of the card company server 130 or a card company call center. The usage amount may be a post-payment amount that can be set by the customer for a desired period. The customer may set a usage limit for post-payment processing within a credit limit corresponding to his specific unit period. For example, the customer may set a usage amount of a post-payment amount to be used within a corresponding period based on a certain period unit such as 1 day, 1 week or 1 month.

Thereafter, the customer purchases the goods or services at the merchant, and requests the payment of the purchase price for the purchase [S220, S230]. That is, after the customer purchases a product or service at the affiliated store, the customer may present a card and request a payment. Then, the affiliated store server 120 may transmit the card information of the customer and the payment information generated by the purchase of the product of the customer to the card company server 130. In this case, the card information may include a card usage degree set by the customer. The payment information may include a purchase price that the customer needs to pay.

Then, the card company server 130 determines whether the purchase price is within the set usage level, and if the purchase price is within the set usage level, the purchase price is settled in a backward method [S240, S250]. That is, the card company server 130 may receive the card information and payment information of the customer transmitted from the merchant server 120. Thereafter, the card company server 130 may determine whether the purchase price to be paid by the customer is within the set usage limit by referring to the received card information and payment information of the customer. If the purchase price is within the set usage level, the card company server 130 may process the purchase price in a post-payment manner using a credit card.

On the other hand, as a result of the determination, when the purchase price exceeds the set usage limit, the card company server 130 processes the payment by a payment method including an immediate payment [S240, S260]. That is, when the payment amount requested for purchase exceeds the usage limit set by the customer, the card company server 130 may perform post-payment within the set usage range. Thereafter, the card company server 130 may analyze the card information of the customer and search for an immediate payment means associated with the card to process a payment. In this case, the payment means used for the instant payment may include an account-based instant payment card, such as a prepaid card, a debit card and a check card. In addition, the immediate payment may be implemented by directly withdrawing the excess amount from a predetermined account. For example, the immediate payment means may be implemented as a prepaid card, a debit card, a check card, etc., operated by one number and the card number of the credit card on which the post payment is made. In addition, the instant payment means may be implemented as a prepaid card, debit card or check card of another card number that is operated in conjunction with the card number of the credit card. In addition, the payment means may be implemented by directly withdrawing the excess amount from a predetermined specific account that is operated in connection with the credit card. In addition, the instant payment means may be set in plural, and when the corresponding amount is insufficient, payment may be continuously processed or withdrawn from the linked card and account. At this time, the card company server 130 may be implemented to provide the customer a plurality of the post-payment means retrieved to determine the immediate payment means to be used for payment processing. In addition, when implementing a payment processing method that combines the post-payment and instant payment, if the usage of the card used for the post-payment is also exhausted, the card company server 130 is the purchase using the immediate payment means The entire payment can be processed.

In addition, as a result of the determination, when the purchase price exceeds the set usage amount, the card company server 130 may implement the present invention by a method of immediately processing all the purchase price in full.

As described above, according to the present invention, by setting the card usage to be used for each specific period in advance, there is an advantage that it is possible to efficiently manage the individual's credit through the planned card use.

3 is an exemplary view illustrating a usage level setting method of a post-payment card set in units of a predetermined period according to an embodiment of the present invention.

As shown in Figure 3, the usage of the post-pay card according to the invention can be set in units of a certain period.

First, customers can plan for a month's postpay card. For example, the customer may set the monthly credit card usage to 1.3 million won, and set the monthly credit card usage period to 3 million won. Therefore, when a payment is requested for an amount exceeding the set usage limit within the designated three-stage usage period, the authorization may be denied by the card company server. The post payment card use plan may be directly set by the customer through the web page of the card company server 130. The period of use, the target date and the target amount may also be set and changed by the customer.

At this time, the customer is to set the card usage is divided by a specific unit period, the credit period and benefits of the card possessed by the customer can be applied as it is. In addition, the usage limit set by the customer is a concept separate from the customer's credit limit determined based on the customer's credit rating.

Figure 4 is an exemplary view showing an SMS screen for notifying the results of post-payment and instant payment combined payment processing according to an embodiment of the present invention.

As shown in Figure 4, the present invention can notify the combined payment processing results via SMS.

A customer may purchase a product or service at a merchant, and may request a post-payment and an immediate payment for the purchase price. Then, the card company server 130 may determine whether the purchase price is within the preset usage level, and if the purchase price is within the preset usage level, the card company server 130 may process the purchase price in a post-payment manner. On the other hand, if the purchase price exceeds the preset usage, the card company server 130 after processing the purchase price within the predetermined usage range, and then proceeds to pay the excess amount immediately Can be.

In the same manner as described above, when the combined post-payment and immediate payment processing is completed, the card company server 130 may notify the customer of the payment processing result through a short message service (SMS). The payment processing result may also be implemented through e-mail and voice service.

Therefore, the customer can check the amount of the post-payment and the amount of immediate payment by the credit settlement method with reference to the SMS transmitted from the card company server 130. In this case, the payment processing result may further include a payment means item used for the instant payment, in addition to the instant payment amount.

As shown in Figure 5, the present invention can be notified in the form of SMS before a predetermined date of the target date corresponding to the card usage plan set by the customer. For example, the card company server 130 may feed back the card usage status to the customer before a predetermined date before the target date of the card use plan set by the customer ends. In this case, the card usage plan fed back through the SMS may include items such as a card usage set by the customer, a usage amount so far, and a usage balance up to a target date. Such services may be provided in the form of paid or free additional services.

Therefore, the card use plan management SMS according to the present invention has the advantage that the customer can more efficiently manage the preset card usage.

Although specific embodiments of the present invention have been described with reference to the drawings, this is intended to be easily understood by those of ordinary skill in the art, and is not intended to limit the technical scope of the present invention. Therefore, the technical scope of the present invention is determined by the matters described in the claims, and the embodiments described with reference to the drawings may be modified or modified as much as possible within the technical spirit and scope of the present invention.

Claims

Receiving a usage setting signal for post-payment processing within a credit limit corresponding to a specific unit period inputted through the terminal of the customer from a customer;

Receiving a request for payment of a purchase price from a merchant server when a purchase is made through the specific card of the customer;

Determining whether the purchase price exceeds a usage limit; And

If the purchase price is within the usage limit payment processing method, and if the purchase price exceeds the usage amount, the payment processing method comprising the step of payment processing by a payment method including an immediate payment. .
The method of claim 1,

Receiving customer input for setting the usage degree,

Receiving a customer input for setting a plurality of period areas within the specific unit period; And

And receiving a customer input for setting a period usage degree corresponding to the plurality of period areas.
The method of claim 2,

The period of use is a payment processing method characterized in that whether or not carried forward by the customer's choice.
The method of claim 1,

In the payment processing method including the instant payment,

Payment processing step of the post-payment method for the amount within the usage range of the purchase price; And

And immediately withdrawing processing from the account associated with the specific card for the amount exceeding the usage range of the purchase price.
A customer terminal which receives and transmits a usage setting value for post-payment processing within a credit limit of a customer corresponding to a specific unit period;

Merchant terminal for requesting the purchase price payment, when the purchase is made through the specific card of the customer; And

Receiving the usage setting value transmitted from the customer terminal to determine whether the purchase price exceeds the usage limit, if the purchase price is within the usage degree, the payment processing by the post-payment method, the purchase price is the If the usage limit is exceeded, the payment processing system characterized in that it comprises a card company server for payment processing by a payment method including an instant payment.
The method of claim 5,

The card company server receives a customer input for setting a plurality of period areas within the specific unit period delivered through the customer terminal, and receives a customer input for setting the period usage corresponding to the plurality of period areas The payment processing system, characterized in that for setting the usage degree.
The method of claim 6,

The card company server further receives a customer input for setting whether or not to carry over the period through the customer terminal.
The method of claim 5,

The card company server processes payment in a post-payment manner for the amount within the usage range of the purchase price, and immediately withdraws the account from the account associated with the specific card for the amount exceeding the usage range among the purchase price. Payment processing system, characterized in that.