WO2017222171A1 - Method for providing abnormal affiliate identification service by using location information, and card company server for performing same - Google Patents

Method for providing abnormal affiliate identification service by using location information, and card company server for performing same Download PDF

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Publication number
WO2017222171A1
WO2017222171A1 PCT/KR2017/004907 KR2017004907W WO2017222171A1 WO 2017222171 A1 WO2017222171 A1 WO 2017222171A1 KR 2017004907 W KR2017004907 W KR 2017004907W WO 2017222171 A1 WO2017222171 A1 WO 2017222171A1
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WIPO (PCT)
Prior art keywords
affiliated store
merchant
abnormal
information
location
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PCT/KR2017/004907
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French (fr)
Korean (ko)
Inventor
김태호
Original Assignee
비씨카드(주)
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Publication date
Priority claimed from KR1020160136374A external-priority patent/KR101852017B1/en
Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Publication of WO2017222171A1 publication Critical patent/WO2017222171A1/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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method for providing an abnormal merchant identification service using location information and a card company server performing the same. More particularly, the separation distance between the location of an affiliated store terminal for which the card company server has requested payment approval and the location of a pre-registered merchant is confirmed. Method for providing abnormal merchant identification service using location information to minimize consumption of time and cost for inputting personnel for identifying abnormal merchants by identifying whether or not the merchant requesting payment approval is a normal merchant through Card company server.
  • an object of the present invention is to provide a method for providing an abnormal affiliated store identification service using location information for minimizing consumption of time and cost for inputting a human resource for identifying an abnormal affiliated store, and a card company server performing the same.
  • the card company server in a method for providing an abnormal merchant identification service using the location information, the card company server, (a) payment approval request including the merchant terminal identification information is affiliated stores If received from the terminal, querying location information of the affiliated store; (b) checking the separation distance between the inquired affiliate store location and the previously registered affiliate store location, and when the separation distance is more than a predetermined distance, transmitting the affiliate store information to the IRS server to determine whether to change the address information of the affiliate store for a predetermined period. Querying; And (c) identifying the affiliated store as an abnormal affiliated store if the address information change history of the affiliated store is not inquired during the predetermined period.
  • the affiliated store information may include a name of the affiliated store, an affiliated store identification code, and the like, and are stored in match with the pre-registered affiliated store location information.
  • step (a) when the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, transmitting the received affiliated store terminal identification information to a telecommunication company server to query the location information of the affiliated store. It may include.
  • the step (b) may include checking a separation distance between the inquired affiliate store location and a previously registered affiliate store location, and when the separation distance is within a predetermined distance, identifying the affiliate store as a normal affiliate store.
  • the separation distance is determined by checking a separation distance between the affiliated store location inquired through the telecommunication company server and the affiliated store location corresponding to the changed address information. If is greater than or equal to the predetermined distance, it may include the step of identifying the affiliated store as an abnormal affiliated store.
  • the separation distance is determined by checking a separation distance between the affiliated store location inquired through the telecommunication company server and the affiliated store location corresponding to the changed address information. If is within the predetermined distance, may include identifying the affiliated store as a normal affiliated store.
  • the method may further include performing the management of the abnormal merchant by rejecting the received payment request.
  • the step (d) may include approving the received payment request if the affiliated store is identified as a normal affiliated store.
  • merchant location information inquiry unit for querying the location information of the merchant;
  • a merchant that checks the separation distance between the inquired merchant location and the pre-registered merchant location, if the separation distance is more than a predetermined distance, transmits the merchant information to the IRS server and inquires whether the merchant information has been changed for a predetermined period.
  • an abnormal affiliate store identification unit for identifying the affiliate store as an abnormal affiliate store when the address information change history of the affiliate store is not inquired during the predetermined period.
  • the affiliated store information may include a name of the affiliated store, an affiliated store identification code, and the like, and may be stored in advance in accordance with the pre-registered affiliated store location information.
  • the affiliated store location information inquiry unit when the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, transmits the received affiliated store terminal identification information to a communication company server, and inquires the location information of the affiliated store. have.
  • the affiliated store address information change inquiry unit may check a separation distance between the inquired affiliated store location and a pre-registered affiliated store location, and may identify the affiliated store as a normal affiliated store when the separation distance is within a predetermined distance.
  • the abnormal affiliated store identification unit when the history of change of the address information of the affiliated store is queried for the predetermined period, confirms the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is When the distance is greater than or equal to the predetermined distance, the affiliated store may be identified as an abnormal affiliated store.
  • the abnormal affiliated store identification unit when the history of change of the address information of the affiliated store is queried for the predetermined period, confirms the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is When within the predetermined distance, the affiliated store may be identified as a normal affiliated store.
  • the affiliated store is identified as an abnormal affiliated store, further comprising a payment approval unit for rejecting the received payment request, and monitoring to prevent fraudulent transactions to the abnormal merchant, and then approved payment from the abnormal merchant
  • a payment approval unit for rejecting the received payment request, and monitoring to prevent fraudulent transactions to the abnormal merchant, and then approved payment from the abnormal merchant
  • an abnormal merchant management unit for managing the abnormal merchant
  • the payment approval unit may approve the received payment request when the affiliated store is identified as a normal affiliated store.
  • the card company server inquires the information required for identification of the abnormal merchant through the external information management server, and determines whether the merchant requesting payment approval is normal, and for identifying the normality of the merchant. Since the consumption of manpower and time is not required, there is an effect that the time and manpower consumption required for abnormal merchant selection can be shortened.
  • the abnormal merchant is identified using the location information obtained based on the affiliated store terminal identification information, there is an advantage that the abnormal merchant can be identified based on the accurate separation distance information.
  • FIG. 1 is a diagram schematically illustrating a configuration of a system for providing an abnormal affiliate store identification service using location information according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a card company server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a process of providing an abnormal merchant identification service using location information according to an embodiment of the present invention.
  • FIG. 1 is a diagram schematically illustrating a configuration of a system for providing an abnormal affiliate store identification service using location information according to an embodiment of the present invention.
  • an abnormal affiliated store identification service providing system using location information may include an affiliated store terminal 100, a card company server 200, a communication company server 300, and an IRS server 400. Include.
  • the card company server 200 and the IRS server 400 may be connected to a communication network, respectively,
  • the communication network may be configured without regard to its communication aspects such as wired and wireless.
  • WAN wide area network
  • the affiliated store terminal 100 may be a credit authorization terminal (CAT) terminal or a point of sales (POS) terminal.
  • the affiliated store terminal 100 may be a merchant company through the VAN company server (not shown).
  • the payment approval request including the identification information, the payment approval request amount information, and the payment means information of the terminal 100 may be transmitted.
  • the identification information of the affiliated store terminal 100 may be identification information configured to obtain location information. For example, an IP address configured based on location information may be included therein.
  • the affiliated store terminal 100 may receive a result of the requested payment approval from the card company server 200.
  • the card company server 200 When the card company server 200 receives the payment approval request including the merchant terminal identification information from the merchant terminal 100, the card company server 200 transmits the received merchant terminal identification information to the telecommunication company server 300 to query the location information of the affiliate store. have.
  • the card company server 200 when the location information of the affiliated store requested for payment approval is completed based on the merchant terminal identification information, between the location of the inquired merchant and the merchant location registered in advance in a database (not shown) in the card company server 200. By checking the separation distance, if the separation distance is determined to be more than a predetermined distance, the merchant information is transmitted to the National Tax Service server 400, it is possible to query whether or not to change the address information of the merchant for a predetermined period.
  • the affiliated store information may include a trade name of an affiliated store, an affiliated store identification code, and the like, and may be stored and matched with the pre-registered affiliated store location information.
  • the card company server 200 determines a separation distance between the location of the inquired affiliated store and the pre-registered affiliated store location.
  • the affiliated store requested for payment approval may be identified as a normal affiliated store.
  • the card company server 200 may identify the affiliated store that has requested payment approval as an abnormal affiliated store.
  • the card company server 200 checks the separation distance between the position of the affiliate store queried through the communication company server 300 and the affiliate store location corresponding to the changed address information of the affiliate store. If the distance is more than a certain distance, the affiliated shop requesting payment approval may be identified as an abnormal affiliated shop.
  • the card company server 200 when the address change history of the affiliated store is queried for a predetermined period of time, corresponds to the location of the affiliated store queried through the communication company server 300 and the corresponding merchant information corresponding to the changed affiliated store address.
  • the separation distance between the locations By checking the separation distance between the locations, if the separation distance is within a certain distance, it is possible to identify the affiliated merchant requested payment approval as a normal affiliated store.
  • the card company server 200 may reject the received payment request.
  • the card company server 200 may approve the received payment request when identifying the affiliated shop requested for payment approval as a normal affiliated store.
  • the card company server 200 performs monitoring to prevent fraudulent transactions that may occur with respect to merchants identified as abnormal merchants, and when a payment approval request is received from the merchants identified as abnormal merchants, the received payment approval request is received. By refusing to approve, it is possible to perform management for the merchant identified as the abnormal affiliate.
  • the communication company server 300 may receive an affiliate store location information inquiry request including the affiliate store terminal identification information from the card company server 200.
  • the communication company server 300 may perform affiliate store location information inquiry based on the affiliate store terminal identification information received with the request, and transmit the affiliate store location information inquiry result to the card company server 200. have.
  • the IRS server 400 may receive a request for inquiring whether to change affiliate store address information for a predetermined period including affiliate store information from the card company server 200.
  • the IRS server 400 inquires whether or not the address information of the merchant corresponding to the merchant information received with the request is changed according to the request for inquiring whether to change the merchant address information for a predetermined period of time.
  • Card company server 200 may be transmitted.
  • FIG. 2 is a block diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.
  • the card company server 200 according to an embodiment of the present invention, merchant location information query unit 210, merchant address information change unit 220, abnormal merchant identification unit 230, payment approval The unit 240 and the abnormal merchant management unit 250 is included.
  • the affiliated store location information inquiry unit 210 may receive a payment approval request including the affiliated store identification information from the affiliated store terminal 100.
  • the affiliated store location information inquiry unit 210 When the affiliated store location information inquiry unit 210 receives the payment approval request including the affiliated store identification information, transmits the affiliated store location information inquiry request including the received affiliated store identification information to the telecommunication company server 300, and the telecommunication company server 300.
  • the affiliate store location information search result received from the affiliate store location information search based on the affiliate store identification information can be performed.
  • the merchant location information inquiry unit 210 transmits "123.456.78.90" to the communication company server 300.
  • the location information inquiry request may be transmitted, and the location information corresponding to “123.456.78.90” may be received from the telecommunication company server 300, “Seoul-cho, Seocho-gu Hyoyeong-ro 275”.
  • the merchant address change information inquiry unit 220 is a communication company server based on the location information of the merchants inquired through the communication company server 300 and the location information of the corresponding merchants registered in advance in the database (not shown) in the card company server 200 In operation 300, a distance between the affiliated store inquired and a pre-registered position of the affiliated store may be calculated.
  • the merchant address information change information inquiry unit 220 checks the separation distance between the position of the affiliated store terminal inquired through the calculated communication company server 300 and the pre-registered position of the corresponding affiliate store, and the calculated separation distance is a preset predetermined distance. If it is determined that the standard or more, the affiliated store may be classified as an abnormal affiliated group first.
  • the merchant address information change inquiry unit 220 calculates by checking the separation distance between the position of the affiliated store inquired through the calculated carrier server 300 and the pre-registered position of the affiliated store, If it is determined that the separated distance is included within a predetermined predetermined distance criterion, the affiliated store may be identified as a normal affiliated store.
  • the merchant address information change inquiry unit 220 may transmit to the IRS server 400 a request for changing the address information of the corresponding merchant including the merchant information only to merchants classified as an abnormal merchant group, the IRS server ( In step 400, the inquiry result of whether to change the address information of the corresponding affiliated store may be received.
  • the merchant terminal identification information received with the payment approval request from the merchant terminal 100 of "coffee shop A” is "123.456.78.90"
  • Merchant terminal 100 location information of the "coffee shop A” requested payment approval "275 Hyoyeong-ro, Seocho-gu, Seoul” is the address of the "coffee shop A” that is registered in advance in the database (not shown) in the card company server 200 Is "52, Seocho Jungang-ro, Seocho-gu, Seoul", assuming that a predetermined distance standard is "1 km or more”
  • the merchant address information change inquiry unit 220 is based on the merchant terminal identification information for "coffee shop A”; It is possible to calculate the separation distance between "275 Hyoyeong-ro, Seocho-gu, Seoul,” which is inquired as, and "52, Seocho Jungang-ro, Seocho-gu, Seoul,” which is registered in advance.
  • the merchant address information change unit 220 determines that the separation distance is calculated as a distance of 447m between the "275 Hyoyeong-ro, Seocho-gu, Seoul," and "52, Seocho Jungang-ro, Seocho-gu, Seoul,” the calculated distance is calculated in advance. Since it does not exceed 1km, which is the standard of distance, the coffee shop A is identified as a normal affiliated store, while the distance calculation results show that the separation distance between 275 Hyoyeong-ro, Seocho-gu, Seoul and 52 Seocho Jungang-ro, Seocho-gu, Seoul is 1302m. If it is calculated, since the calculated separation distance exceeds 1 km, which is a standard of a predetermined distance, the “coffee specialty store A” may be first classified as an abnormal affiliated store group.
  • the merchant address information change inquiry unit 220 first classifies "coffee specialty store A” as an abnormal affiliated store group, transmits "102837" which is the merchant code number of "coffee specialty store A” to the IRS server 400, It is possible to receive the result of the inquiry whether the change of the address information for the "coffee shop A".
  • the abnormal affiliated store identification unit 230 may identify the affiliated store as an abnormal affiliated store when the change of the address information of the affiliated store is not inquired for a predetermined period of time.
  • the abnormal affiliated store identification unit 230 corresponds to the affiliated store location inquired through the telecommunication company server 300 and the most recent address information changed on the IRS server 400 when the change information of the affiliated store for the predetermined period is inquired. It is possible to calculate the separation distance between the merchant location.
  • the abnormal affiliated store identification unit 230 is based on a predetermined distance based on a predetermined distance between the location of the affiliated store inquired through the calculated carrier server 300 and the affiliated store location corresponding to the latest address information changed on the IRS server 400. If determined to be abnormal, the affiliated store may be identified as an abnormal affiliated store.
  • the abnormal affiliated store identification unit 230 corresponds to the location of the affiliated store inquired through the calculated communication company server 300 and the affiliated store location corresponding to the latest address information changed on the IRS server 400. If it is determined that the separation distance is within the predetermined predetermined distance criteria, the affiliated store may be identified as a normal affiliated store.
  • the address information of the "coffee shop A” is "Seoul City.”
  • the abnormal merchant identification unit 230 is the location of the merchant requesting payment approval requested through the communication company server 300 " The separation distance between 275 "Hyoryong-ro, Seocho-gu, Seoul, and" 22, Seocho Jungang-ro 2-gil, Seocho-gu, Seoul "corresponding to the changed address information of the merchant can be calculated.
  • the abnormal merchant identification unit 230 is "275 Hyoyeong-ro, Seocho-gu, Seoul-si", which is the location of the request for payment approval requested through the telecommunication company server 300, and the merchant location corresponding to the changed address information of the merchant "Seoul-cho, Seocho-gu, Seoul 2 Assuming that the separation distance between the road 22 "is calculated to be 523m, it is determined that the calculated separation distance does not exceed 1km, which is a predetermined predetermined distance standard, and identifies the affiliated store as a normal affiliated store, whereas the carrier server 300 is identified.
  • the separation distance between 275, Hyoryong-ro, Seocho-gu, Seoul, requested to be approved for payment and the affiliated location, 22, Seocho Jungang-ro 2-gil, Seocho-gu, Seoul, corresponding to the changed address information of the merchant were calculated to be 1124m. It is determined that the calculated separation distance exceeds 1km, which is a predetermined distance standard, and the affiliated store is regarded as an abnormal affiliated store. It can be identified.
  • the payment approval unit 240 may reject the corresponding payment request when the affiliated shop requesting the payment approval is identified as an abnormal affiliated store.
  • the payment approval unit 240 may approve the corresponding payment request when the affiliated shop requesting payment approval is identified as a normal affiliate store.
  • the abnormal merchant management unit 250 may monitor to prevent the occurrence of fraudulent transactions for the merchants identified as abnormal merchants.
  • the abnormal merchant management unit 250 performs the management of the abnormal merchant by rejecting the received payment request when the approval request is received from the abnormal merchant after being identified as the abnormal merchant through the monitoring of the abnormal merchant. can do.
  • FIG. 3 is a flowchart illustrating a process of providing an abnormal merchant identification service using location information according to an embodiment of the present invention.
  • the payment approval request including the affiliated store terminal identification information may be transmitted from the affiliated store terminal 100 to the card company server 200 (S301).
  • the card company server 200 receiving the payment approval request from the affiliated store terminal 100 may transmit the received affiliated store terminal identification information to the telecommunication company server 300 to perform affiliate store location information inquiry based on the affiliated store terminal identification information. (S302).
  • the card company server 200 When the location of the affiliated store requested payment approval is inquired through the telecommunication company server 300, the card company server 200 is registered in advance in the database (not shown) in the affiliated store location and the card company server 200 inquired through the telecommunication company server 300. By calculating the separation distance between the corresponding merchant location, it is possible to check whether the calculated separation distance is greater than or equal to a predetermined predetermined distance reference (S303).
  • the card company server 200 determines that the calculated separation distance is greater than or equal to a predetermined predetermined distance standard, the affiliated stores are classified as an abnormal affiliate group first, and in order to determine whether the corresponding affiliate store is normal again, Merchant information may be transmitted to the IRS server 400 (S304).
  • the card company server 200 may finally identify the corresponding affiliated store as a normal affiliated store (S305).
  • the card company server 200 may transmit the affiliate store information to the IRS server 400 for the affiliate stores classified as the abnormal affiliate group primarily, and may check whether the address information change history of the corresponding affiliate store exists for a predetermined period of time (S306).
  • the card company server 200 spaces between the location of the affiliate store corresponding to the changed address information and the affiliate store location inquired through the communication company server 300. By calculating the distance, it is possible to check whether the calculated separation distance is greater than or equal to a preset predetermined distance reference (S307).
  • the card company server 200 may identify the affiliate store as an abnormal affiliate store (S308).
  • the card company server 200 may identify the affiliated store as an abnormal affiliated store (S309).
  • the card company server 200 may identify the affiliated store as a normal affiliated store (S310).
  • the card company server 200 may approve or reject the requested payment approval according to the identification result.
  • the card company server 200 may approve the payment requested at the merchant, whereas, if the merchant requested payment approval is identified as an abnormal merchant, the card company The server 200 may reject the payment requested by the affiliated store.
  • the card company server 200 may monitor the affiliated stores identified as abnormal affiliates to prevent the occurrence of fraudulent transactions in advance. By performing the monitoring, if a payment approval request is received from the abnormal affiliated store after being selected as the abnormal affiliated store, the payment request may be rejected.
  • the card company server inquires the information required for identifying the abnormal affiliate store through the external information management server, and determines whether the affiliated store requested the payment approval is normal, whether the affiliate store is normal. Since the consumption of manpower and time for identification is not required, there is an effect that the consumption of time and manpower required for abnormal merchant selection can be shortened.
  • the abnormal merchant is identified using the location information obtained based on the affiliated store terminal identification information, there is an advantage that the abnormal merchant can be identified based on the accurate separation distance information.

Abstract

According to one embodiment of the present invention, provided is a method by which a card company server provides an abnormal affiliate identification service by using location information, comprising the steps of: (a) inquiring into location information of the affiliate when a payment approval request including affiliate terminal identification information is received from an affiliate terminal; (b) checking a separation distance between an inquired location of the affiliate and a preregistered location of the affiliate such that when the separation distance is greater than or equal to a predetermined distance, affiliate information is transmitted to the National Tax Service server, and thus whether address information of the affiliate has been changed for a predetermined period of time is inquired into; and (c) identifying the affiliate as an abnormal affiliate when an address information change history of the affiliate is not inquired into for a predetermined period of time.

Description

위치 정보를 이용한 비정상 가맹점 식별 서비스 제공 방법 및 이를 수행하는 카드사 서버Method for providing abnormal merchant identification service using location information and card company server performing the same
본 발명은 위치 정보를 이용한 비정상 가맹점 식별 서비스 제공 방법 및 이를 수행하는 카드사 서버에 관한 것으로, 더욱 상세하게는, 카드사 서버가 결제 승인 요청된 가맹점 단말기의 위치와 미리 등록된 가맹점의 위치 간의 이격 거리 확인을 통해 결제 승인 요청한 가맹점이 정상적인 가맹점인지 여부를 식별함으로써, 비정상 가맹점을 식별하기 위한 인력이 투입되는 시간 및 비용에 대한 소비가 최소화될 수 있도록 하는 위치 정보를 이용한 비정상 가맹점 식별 서비스 제공 방법 및 이를 수행하는 카드사 서버에 관한 것이다.The present invention relates to a method for providing an abnormal merchant identification service using location information and a card company server performing the same. More particularly, the separation distance between the location of an affiliated store terminal for which the card company server has requested payment approval and the location of a pre-registered merchant is confirmed. Method for providing abnormal merchant identification service using location information to minimize consumption of time and cost for inputting personnel for identifying abnormal merchants by identifying whether or not the merchant requesting payment approval is a normal merchant through Card company server.
최근, 소비자들의 카드를 통한 경제 활동이 활발해지면서, 고수익을 창출하기 위해 불법 또는 위장의 방법으로 사업자 정보를 등록하거나, 허위 매출을 발생시키는 가맹점의 수가 증가하고 있으며, 이러한 가맹점을 통한 부정 거래 발생을 방지하기 위해 가맹점 정보를 직접 방문하여 확인하는 등 불법 사업장을 선별하기 위한 사업장 실태조사가 시행되고 있다.Recently, as the economic activity of consumers through the card is active, the number of merchants registering business information or generating false sales is increasing in order to generate high profits, and fraudulent transactions are generated through such merchants. In order to prevent this, a survey on workplaces is being conducted to select illegal workplaces by visiting and confirming merchant information.
하지만, 현재 시행되고 있는 실태조사의 방법으로는, 실제 인력이 해당 사업장 주소지에 투입되어 영업 여부 및 등록된 주소지와 가맹점의 위치에 대한 일치 여부를 육안으로 확인함으로써, 현장에 인력이 투입되는 시간 및 공간의 소비가 상당하다는 문제점이 있다.However, the current method of conducting a survey is to check whether the actual workforce is put into the business address and visually check whether it is operating and whether the registered address matches the location of the affiliated store. There is a problem that the consumption of space is considerable.
따라서, 실제 인력이 현장에 투입되지 않고, 전산을 통해 불법 사업장 여부를 식별할 수 있도록 하여, 사업장 실태조사에 대한 시간 및 인력에 대한 소비를 줄일 수 있도록 하는 시스템에 대한 요구가 점차 증대되고 있으며, 상술한 문제점을 해결하기 위한 방안이 시급한 실정이다.Therefore, there is a growing demand for a system that enables actual personnel not to be put into the field and can identify whether or not illegal workplaces are made through the computer, thereby reducing time and labor consumption for the actual site survey. There is an urgent need for a solution to the above-mentioned problems.
본 발명은 전술한 종래기술의 문제점을 해결하기 위한 것으로, 카드사 서버가 결제 승인 요청된 가맹점 단말기의 위치와 미리 등록된 가맹점의 위치 간의 이격 거리 확인을 통해 결제 승인 요청한 가맹점이 정상적인 가맹점인지 여부를 식별함으로써, 비정상 가맹점을 식별하기 위한 인력이 투입되는 시간 및 비용에 대한 소비가 최소화될 수 있도록 하는 위치 정보를 이용한 비정상 가맹점 식별 서비스 제공 방법 및 이를 수행하는 카드사 서버를 제공하는 것을 목적으로 한다.The present invention is to solve the above-mentioned problems of the prior art, the card company server identifies whether the merchant requesting the payment approval is a normal merchant by checking the separation distance between the position of the merchant terminal and the pre-registered merchant requesting payment approval request Accordingly, an object of the present invention is to provide a method for providing an abnormal affiliated store identification service using location information for minimizing consumption of time and cost for inputting a human resource for identifying an abnormal affiliated store, and a card company server performing the same.
본 발명의 목적들은 이상에서 언급한 목적들로 제한되지 않으며, 언급되지 않은 또 다른 목적들은 아래의 기재로부터 명확하게 이해될 수 있을 것이다.The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.
상술한 목적을 달성하기 위한 본 발명의 일 실시예에 따르면, 카드사 서버가, 위치 정보를 이용한 비정상 가맹점 식별 서비스를 제공하는 방법에 있어서, (a) 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기로부터 수신되면, 가맹점의 위치 정보를 조회하는 단계; (b) 상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 경우, 상기 가맹점 정보를 국세청 서버로 전송하여, 소정 기간 동안 상기 가맹점의 주소 정보 변경 여부를 조회하는 단계; 및 (c) 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되지 않는 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법이 제공된다.According to an embodiment of the present invention for achieving the above object, in a method for providing an abnormal merchant identification service using the location information, the card company server, (a) payment approval request including the merchant terminal identification information is affiliated stores If received from the terminal, querying location information of the affiliated store; (b) checking the separation distance between the inquired affiliate store location and the previously registered affiliate store location, and when the separation distance is more than a predetermined distance, transmitting the affiliate store information to the IRS server to determine whether to change the address information of the affiliate store for a predetermined period. Querying; And (c) identifying the affiliated store as an abnormal affiliated store if the address information change history of the affiliated store is not inquired during the predetermined period.
상기 (b) 단계에서, 상기 가맹점 정보는, 상기 가맹점의 상호명, 가맹점 식별 코드 등을 포함하며, 상기 미리 등록된 가맹점 위치 정보와 매칭되어 저장된 것을 특징으로 할 수 있다.In the step (b), the affiliated store information may include a name of the affiliated store, an affiliated store identification code, and the like, and are stored in match with the pre-registered affiliated store location information.
상기 (a) 단계는, 상기 가맹점 단말기 식별 정보를 포함하는 상기 결제 승인 요청이 상기 가맹점 단말기로부터 수신되면, 상기 수신된 가맹점 단말기 식별 정보를 통신사 서버로 전송하여, 상기 가맹점의 위치 정보를 조회하는 단계를 포함할 수 있다.In the step (a), when the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, transmitting the received affiliated store terminal identification information to a telecommunication company server to query the location information of the affiliated store. It may include.
상기 (b) 단계는, 상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는 단계를 포함할 수 있다.The step (b) may include checking a separation distance between the inquired affiliate store location and a previously registered affiliate store location, and when the separation distance is within a predetermined distance, identifying the affiliate store as a normal affiliate store.
상기 (c) 단계는, 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이상인 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 단계를 포함할 수 있다.In the step (c), when a change history of the address information of the affiliated store is inquired during the predetermined period, the separation distance is determined by checking a separation distance between the affiliated store location inquired through the telecommunication company server and the affiliated store location corresponding to the changed address information. If is greater than or equal to the predetermined distance, it may include the step of identifying the affiliated store as an abnormal affiliated store.
상기 (c) 단계는, 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는 단계를 포함할 수 있다.In the step (c), when a change history of the address information of the affiliated store is inquired during the predetermined period, the separation distance is determined by checking a separation distance between the affiliated store location inquired through the telecommunication company server and the affiliated store location corresponding to the changed address information. If is within the predetermined distance, may include identifying the affiliated store as a normal affiliated store.
(d) 상기 가맹점을 비정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인 거절하는 단계를 더 포함하며, (e) 상기 비정상 가맹점을 대상으로 부정 거래를 방지하기 위한 모니터링을 실시하여, 이후 상기 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 요청을 승인 거절함으로써, 상기 비정상 가맹점에 대한 관리를 수행하는 단계를 더 포함할 수 있다.(d) if the affiliated store is identified as an abnormal affiliated store, further comprising: rejecting the received payment request; and (e) monitoring the abnormal affiliated store to prevent fraudulent transactions. When the payment approval request is received from the abnormal merchant, the method may further include performing the management of the abnormal merchant by rejecting the received payment request.
상기 (d) 단계는, 상기 가맹점을 정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인하는 단계를 포함할 수 있다.The step (d) may include approving the received payment request if the affiliated store is identified as a normal affiliated store.
한편, 본 발명의 다른 실시예에 따르면, 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기로부터 수신되면, 가맹점의 위치 정보를 조회하는 가맹점 위치 정보 조회부; 상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 경우, 상기 가맹점 정보를 국세청 서버로 전송하여, 소정 기간 동안 상기 가맹점의 주소 정보 변경 여부를 조회하는 가맹점 주소 정보 변경 여부 조회부; 및 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되지 않는 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 비정상 가맹점 식별부를 포함하는, 카드사 서버가 제공된다.On the other hand, according to another embodiment of the present invention, if the payment approval request including the merchant terminal identification information is received from the merchant terminal, merchant location information inquiry unit for querying the location information of the merchant; A merchant that checks the separation distance between the inquired merchant location and the pre-registered merchant location, if the separation distance is more than a predetermined distance, transmits the merchant information to the IRS server and inquires whether the merchant information has been changed for a predetermined period. An inquiry unit for changing address information; And an abnormal affiliate store identification unit for identifying the affiliate store as an abnormal affiliate store when the address information change history of the affiliate store is not inquired during the predetermined period.
상기 가맹점 주소 정보 변경 여부 조회부에서, 상기 가맹점 정보는, 상기 가맹점의 상호명, 가맹점 식별 코드 등을 포함하며, 상기 미리 등록된 가맹점 위치 정보와 매칭되어 미리 저장된 것을 특징으로 할 수 있다.In the affiliated store address information change query unit, the affiliated store information may include a name of the affiliated store, an affiliated store identification code, and the like, and may be stored in advance in accordance with the pre-registered affiliated store location information.
상기 가맹점 위치 정보 조회부는, 상기 가맹점 단말기 식별 정보를 포함하는 상기 결제 승인 요청이 상기 가맹점 단말기로부터 수신되면, 상기 수신된 가맹점 단말기 식별 정보를 통신사 서버로 전송하여, 상기 가맹점의 위치 정보를 조회할 수 있다.The affiliated store location information inquiry unit, when the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, transmits the received affiliated store terminal identification information to a communication company server, and inquires the location information of the affiliated store. have.
상기 가맹점 주소 정보 변경 여부 조회부는, 상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별할 수 있다.The affiliated store address information change inquiry unit may check a separation distance between the inquired affiliated store location and a pre-registered affiliated store location, and may identify the affiliated store as a normal affiliated store when the separation distance is within a predetermined distance.
상기 비정상 가맹점 식별부는, 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이상인 경우, 상기 가맹점을 비정상 가맹점으로 식별할 수 있다.The abnormal affiliated store identification unit, when the history of change of the address information of the affiliated store is queried for the predetermined period, confirms the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is When the distance is greater than or equal to the predetermined distance, the affiliated store may be identified as an abnormal affiliated store.
상기 비정상 가맹점 식별부는, 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별할 수 있다.The abnormal affiliated store identification unit, when the history of change of the address information of the affiliated store is queried for the predetermined period, confirms the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is When within the predetermined distance, the affiliated store may be identified as a normal affiliated store.
상기 가맹점을 비정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인 거절하는 결제 승인부를 더 포함하며, 상기 비정상 가맹점을 대상으로 부정 거래를 방지하기 위한 모니터링을 실시하여, 이후 상기 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 요청을 승인 거절함으로써, 상기 비정상 가맹점에 대한 관리를 수행하는 비정상 가맹점 관리부를 더 포함할 수 있다.If the affiliated store is identified as an abnormal affiliated store, further comprising a payment approval unit for rejecting the received payment request, and monitoring to prevent fraudulent transactions to the abnormal merchant, and then approved payment from the abnormal merchant When the request is received, by further rejecting the received payment request, it may further include an abnormal merchant management unit for managing the abnormal merchant.
상기 결제 승인부는, 상기 가맹점을 정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인할 수 있다.The payment approval unit may approve the received payment request when the affiliated store is identified as a normal affiliated store.
본 발명의 일 실시예에 따르면, 카드사 서버가 외부 정보 관리 서버를 통해 비정상 가맹점 식별에 요구되는 정보를 조회하여, 결제 승인 요청된 가맹점에 대한 정상 여부를 판단하므로, 가맹점의 정상 여부를 식별하기 위한 인력 및 시간에 대한 소비가 요구되지 않는 바, 비정상 가맹점 선별에 소요되는 시간 및 인력의 소비가 단축될 수 있다는 효과가 있다.According to an embodiment of the present invention, since the card company server inquires the information required for identification of the abnormal merchant through the external information management server, and determines whether the merchant requesting payment approval is normal, and for identifying the normality of the merchant. Since the consumption of manpower and time is not required, there is an effect that the time and manpower consumption required for abnormal merchant selection can be shortened.
또한, 본 발명의 일 실시예에 따르면, 가맹점 단말기 식별 정보를 기초로 획득된 위치 정보를 이용하여 비정상 가맹점을 식별하므로, 정확한 이격 거리 정보에 근거한 비정상 가맹점 식별이 가능하다는 장점이 있다.In addition, according to one embodiment of the present invention, since the abnormal merchant is identified using the location information obtained based on the affiliated store terminal identification information, there is an advantage that the abnormal merchant can be identified based on the accurate separation distance information.
또한, 본 발명의 일 실시예에 따르면, 비정상 가맹점으로 식별된 가맹점을 대상으로 모니터링을 실시하여, 비정상 가맹점으로부터 수신되는 결제 요청을 승인 거절하므로, 비정상 가맹점에 대한 사후 처리가 가능한 바, 비정상 가맹점에서 발생할 수 있는 부정 거래를 미연에 방지할 수 있다.In addition, according to an embodiment of the present invention, by monitoring the merchants identified as abnormal merchants, and rejects the payment request received from the abnormal merchants, it is possible to post-process the abnormal merchants, at the abnormal merchants It is possible to prevent fraudulent transactions that may occur.
본 발명의 효과는 상기한 효과로 한정되는 것은 아니며, 본 발명의 상세한 설명 또는 특허청구범위에 기재된 발명의 구성으로부터 추론 가능한 모든 효과를 포함하는 것으로 이해되어야 한다.The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.
도 1은 본 발명의 일 실시예에 따른 위치 정보를 이용한 비정상 가맹점 식별 서비스를 제공 시스템의 구성을 개략적으로 도시한 도면이다.1 is a diagram schematically illustrating a configuration of a system for providing an abnormal affiliate store identification service using location information according to an embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 카드사 서버의 구성을 도시한 블록도이다.2 is a block diagram showing the configuration of a card company server according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따라 위치 정보를 이용한 비정상 가맹점 식별 서비스가 제공되는 과정을 도시한 순서도이다.3 is a flowchart illustrating a process of providing an abnormal merchant identification service using location information according to an embodiment of the present invention.
이하에서는 첨부한 도면을 참조하여 본 발명을 설명하기로 한다. 그러나 본 발명은 여러 가지 상이한 형태로 구현될 수 있으며, 따라서 여기에서 설명하는 실시예로 한정되는 것은 아니다. 그리고 도면에서 본 발명을 명확하게 설명하기 위해서 설명과 관계없는 부분은 생략하였으며, 명세서 전체를 통하여 유사한 부분에 대해서는 유사한 도면 부호를 붙였다.Hereinafter, with reference to the accompanying drawings will be described the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.
명세서 전체에서, 어떤 부분이 다른 부분과 "연결"되어 있다고 할 때, 이는 "직접적으로 연결"되어 있는 경우뿐 아니라, 그 중간에 다른 부재를 사이에 두고 "간접적으로 연결"되어 있는 경우도 포함한다. 또한 어떤 부분이 어떤 구성요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 구비할 수 있다는 것을 의미한다.Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that it may further include other components, without excluding the other components unless otherwise stated.
이하 첨부된 도면을 참고하여 본 발명의 실시예를 상세히 설명하기로 한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 일 실시예에 따른 위치 정보를 이용한 비정상 가맹점 식별 서비스를 제공 시스템의 구성을 개략적으로 도시한 도면이다.1 is a diagram schematically illustrating a configuration of a system for providing an abnormal affiliate store identification service using location information according to an embodiment of the present invention.
도 1을 참조하면, 본 발명의 일 실시예에 따른 위치 정보를 이용한 비정상 가맹점 식별 서비스 제공 시스템은, 가맹점 단말기(100), 카드사 서버(200), 통신사 서버(300) 및 국세청 서버(400)를 포함한다.Referring to FIG. 1, an abnormal affiliated store identification service providing system using location information according to an exemplary embodiment of the present disclosure may include an affiliated store terminal 100, a card company server 200, a communication company server 300, and an IRS server 400. Include.
먼저, 가맹점 단말기(100)와 카드사 서버(200)뿐만 아니라 카드사 서버(200)와 통신사 서버(300), 카드사 서버(200)와 국세청 서버(400)는 각각 통신망으로 연결되어 있을 수 있으며, 여기서, 통신망은 유선 및 무선 등과 같은 그 통신 양태를 가리지 않고 구성될 수 있다. 근거리 통신망(LAN: Local Area Network), 도시권 통신망(MAN: Metropolitan Area Network), 광역 통신망(WAN: Wide Area Network) 등 다양한 통신망으로 구성될 수 있다.First, not only the merchant terminal 100 and the card company server 200 but also the card company server 200 and the communication company server 300, the card company server 200 and the IRS server 400 may be connected to a communication network, respectively, The communication network may be configured without regard to its communication aspects such as wired and wireless. Local area network (LAN), metropolitan area network (MAN: Metropolitan Area Network), it may be configured with a variety of communication networks such as wide area network (WAN).
가맹점 단말기(100)는 CAT(Credit Authorization Terminal) 단말기 또는 POS(Point Of Sales) 단말기일 수 있으며, 사용자에 의해 결제 카드가 인식되면, VAN사 서버(미도시)를 통해 카드사 서버(200)로 가맹점 단말기(100)의 식별 정보, 결제 승인 요청 금액 정보 및 결제 수단 정보를 포함하는 결제 승인 요청을 전송할 수 있다. 가맹점 단말기(100)의 식별 정보는 위치 정보를 획득할 수 있는 형태로 구성된 식별 정보일 수 있으며, 대표적인 예로 위치 정보를 기초로 구성되어 있는 IP 주소가 이에 포함될 수 있다.The affiliated store terminal 100 may be a credit authorization terminal (CAT) terminal or a point of sales (POS) terminal. When the payment card is recognized by the user, the affiliated store terminal 100 may be a merchant company through the VAN company server (not shown). The payment approval request including the identification information, the payment approval request amount information, and the payment means information of the terminal 100 may be transmitted. The identification information of the affiliated store terminal 100 may be identification information configured to obtain location information. For example, an IP address configured based on location information may be included therein.
가맹점 단말기(100)는 요청한 결제 승인에 대한 결과를 카드사 서버(200)로부터 수신할 수 있다.The affiliated store terminal 100 may receive a result of the requested payment approval from the card company server 200.
카드사 서버(200)는 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기(100)로부터 수신되면, 수신된 가맹점 단말기 식별 정보를 통신사 서버(300)로 전송하여, 가맹점의 위치 정보를 조회할 수 있다.When the card company server 200 receives the payment approval request including the merchant terminal identification information from the merchant terminal 100, the card company server 200 transmits the received merchant terminal identification information to the telecommunication company server 300 to query the location information of the affiliate store. have.
카드사 서버(200)는 가맹점 단말기 식별 정보를 기초로 결제 승인 요청된 가맹점의 위치 정보 조회가 완료되면, 조회된 가맹점의 위치와 카드사 서버(200) 내 데이터베이스(미도시)에 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 것으로 확인된 경우, 가맹점 정보를 국세청 서버(400)로 전송하여, 소정 기간 동안 가맹점의 주소 정보 변경 여부를 조회할 수 있다. 가맹점 정보는, 가맹점의 상호명, 가맹점 식별 코드 등을 포함할 수 있으며, 상기 미리 등록된 가맹점 위치 정보와 매칭되어 저장된 것일 수 있다.The card company server 200, when the location information of the affiliated store requested for payment approval is completed based on the merchant terminal identification information, between the location of the inquired merchant and the merchant location registered in advance in a database (not shown) in the card company server 200. By checking the separation distance, if the separation distance is determined to be more than a predetermined distance, the merchant information is transmitted to the National Tax Service server 400, it is possible to query whether or not to change the address information of the merchant for a predetermined period. The affiliated store information may include a trade name of an affiliated store, an affiliated store identification code, and the like, and may be stored and matched with the pre-registered affiliated store location information.
본 발명의 일 실시예에 따르면, 카드사 서버(200)는 가맹점 단말기 식별 정보를 기초로 결제 승인 요청된 가맹점의 위치 정보 조회가 완료되면, 조회된 가맹점의 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 것으로 확인된 경우, 결제 승인 요청된 가맹점을 정상 가맹점으로 식별할 수 있다.According to an embodiment of the present invention, when the card company server 200 completes the inquiry of the location information of the affiliated store that has been requested for payment on the basis of the affiliated terminal identification information, the card company server 200 determines a separation distance between the location of the inquired affiliated store and the pre-registered affiliated store location. When it is confirmed that the separation distance is within a certain distance, the affiliated store requested for payment approval may be identified as a normal affiliated store.
카드사 서버(200)는 소정 기간 동안 가맹점의 주소 변경 이력이 조회되지 않는 경우, 결제 승인 요청된 가맹점을 비정상 가맹점으로 식별할 수 있다.If the address change history of the affiliated store is not inquired for a predetermined period of time, the card company server 200 may identify the affiliated store that has requested payment approval as an abnormal affiliated store.
카드사 서버(200)는 소정 기간 동안 가맹점의 주소 변경 이력이 조회되는 경우, 통신사 서버(300)를 통해 조회된 가맹점의 위치와 변경된 가맹점의 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 경우, 결제 승인 요청된 가맹점을 비정상 가맹점으로 식별할 수 있다.When the address change history of the affiliate store is queried for a predetermined period, the card company server 200 checks the separation distance between the position of the affiliate store queried through the communication company server 300 and the affiliate store location corresponding to the changed address information of the affiliate store. If the distance is more than a certain distance, the affiliated shop requesting payment approval may be identified as an abnormal affiliated shop.
본 발명의 일 실시예에 따르면, 카드사 서버(200)는 소정 기간 동안 가맹점의 주소 변경 이력이 조회되는 경우, 통신사 서버(300)를 통해 조회된 가맹점의 위치와 변경된 가맹점의 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 경우, 결제 승인 요청된 가맹점을 정상 가맹점으로 식별할 수 있다.According to an embodiment of the present invention, when the address change history of the affiliated store is queried for a predetermined period of time, the card company server 200 corresponds to the location of the affiliated store queried through the communication company server 300 and the corresponding merchant information corresponding to the changed affiliated store address. By checking the separation distance between the locations, if the separation distance is within a certain distance, it is possible to identify the affiliated merchant requested payment approval as a normal affiliated store.
카드사 서버(200)는 결제 승인 요청된 가맹점을 비정상 가맹점으로 식별한 경우, 수신된 결제 요청을 승인 거절할 수 있다.If the card company server 200 identifies the affiliated shop that has requested payment approval as an abnormal affiliate store, the card company server 200 may reject the received payment request.
본 발명의 일 실시예에 따르면, 카드사 서버(200)는 결제 승인 요청된 가맹점을 정상 가맹점으로 식별한 경우, 수신된 결제 요청을 승인할 수 있다.According to an embodiment of the present invention, the card company server 200 may approve the received payment request when identifying the affiliated shop requested for payment approval as a normal affiliated store.
카드사 서버(200)는 비정상 가맹점으로 식별된 가맹점을 대상으로 발생할 수 있는 부정 거래를 방지하기 위한 모니터링을 실시하여, 이후 비정상 가맹점으로 식별된 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 승인 요청을 승인 거절함으로써, 비정상 가맹점으로 식별된 가맹점에 대한 관리를 수행할 수 있다.The card company server 200 performs monitoring to prevent fraudulent transactions that may occur with respect to merchants identified as abnormal merchants, and when a payment approval request is received from the merchants identified as abnormal merchants, the received payment approval request is received. By refusing to approve, it is possible to perform management for the merchant identified as the abnormal affiliate.
통신사 서버(300)는 카드사 서버(200)로부터 가맹점 단말기 식별 정보를 포함하는 가맹점 위치 정보 조회 요청을 수신할 수 있다.The communication company server 300 may receive an affiliate store location information inquiry request including the affiliate store terminal identification information from the card company server 200.
통신사 서버(300)는 수신된 가맹점 위치 정보 조회 요청에 따라, 요청과 함께 수신된 가맹점 단말기 식별 정보를 기초로 가맹점 위치 정보 조회를 수행하여, 가맹점 위치 정보 조회 결과를 카드사 서버(200)로 전송할 수 있다.According to the received affiliate store location information inquiry request, the communication company server 300 may perform affiliate store location information inquiry based on the affiliate store terminal identification information received with the request, and transmit the affiliate store location information inquiry result to the card company server 200. have.
국세청 서버(400)는 카드사 서버(200)로부터 가맹점 정보를 포함하는 소정 기간 동안의 가맹점 주소 정보 변경 여부 조회 요청을 수신할 수 있다.The IRS server 400 may receive a request for inquiring whether to change affiliate store address information for a predetermined period including affiliate store information from the card company server 200.
국세청 서버(400)는 수신된 소정 기간 동안의 가맹점 주소 정보 변경 여부 조회 요청에 따라, 요청과 함께 수신된 가맹점 정보에 상응하는 가맹점의 주소 정보 변경 여부를 조회하여, 가맹점 주소 정보 변경 여부 조회 결과를 카드사 서버(200)로 전송할 수 있다.The IRS server 400 inquires whether or not the address information of the merchant corresponding to the merchant information received with the request is changed according to the request for inquiring whether to change the merchant address information for a predetermined period of time. Card company server 200 may be transmitted.
도 2는 본 발명의 일 실시예에 따른 카드사 서버(200)의 구성을 도시한 블록도이다.2 is a block diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.
도 2를 참조하면, 본 발명의 일 실시예에 따른 카드사 서버(200)는 가맹점 위치 정보 조회부(210), 가맹점 주소 정보 변경 여부 조회부(220), 비정상 가맹점 식별부(230), 결제 승인부(240) 및 비정상 가맹점 관리부(250)를 포함한다.2, the card company server 200 according to an embodiment of the present invention, merchant location information query unit 210, merchant address information change unit 220, abnormal merchant identification unit 230, payment approval The unit 240 and the abnormal merchant management unit 250 is included.
가맹점 위치 정보 조회부(210)는 가맹점 단말기(100)로부터 가맹점 식별 정보를 포함하는 결제 승인 요청을 수신할 수 있다.The affiliated store location information inquiry unit 210 may receive a payment approval request including the affiliated store identification information from the affiliated store terminal 100.
가맹점 위치 정보 조회부(210)는 가맹점 식별 정보를 포함하는 결제 승인 요청이 수신되면, 수신된 가맹점 식별 정보를 포함하는 가맹점 위치 정보 조회 요청을 통신사 서버(300)로 전송하여, 통신사 서버(300)로부터 수신되는 가맹점 위치 정보 조회 결과를 수신함으로써, 가맹점 식별 정보를 기초로 하는 가맹점 위치 정보 조회를 수행할 수 있다.When the affiliated store location information inquiry unit 210 receives the payment approval request including the affiliated store identification information, transmits the affiliated store location information inquiry request including the received affiliated store identification information to the telecommunication company server 300, and the telecommunication company server 300. By receiving the affiliate store location information search result received from the affiliate store location information search based on the affiliate store identification information can be performed.
예를 들어, 가맹점 단말기(100)로부터 결제 정보와 함께 수신된 가맹점 단말기 식별 정보가 "123.456.78.90"라고 가정하면, 가맹점 위치 정보 조회부(210)는 통신사 서버(300)로 "123.456.78.90"에 대한 위치 정보 조회 요청을 전송할 수 있으며, 통신사 서버(300)로부터 "123.456.78.90"에 상응하는 위치 정보인 "서울시 서초구 효령로 275"를 수신할 수 있다.For example, assuming that the merchant terminal identification information received together with the payment information from the merchant terminal 100 is "123.456.78.90", the merchant location information inquiry unit 210 transmits "123.456.78.90" to the communication company server 300. The location information inquiry request may be transmitted, and the location information corresponding to “123.456.78.90” may be received from the telecommunication company server 300, “Seoul-cho, Seocho-gu Hyoyeong-ro 275”.
가맹점 주소 정보 변경 여부 조회부(220)는 통신사 서버(300)를 통해 조회된 가맹점의 위치 정보와 카드사 서버(200) 내 데이터베이스(미도시)에 미리 등록된 해당 가맹점의 위치 정보를 기초로 통신사 서버(300)를 통해 조회된 가맹점의 위치와 해당 가맹점의 미리 등록된 위치 간의 이격 거리를 산출할 수 있다.The merchant address change information inquiry unit 220 is a communication company server based on the location information of the merchants inquired through the communication company server 300 and the location information of the corresponding merchants registered in advance in the database (not shown) in the card company server 200 In operation 300, a distance between the affiliated store inquired and a pre-registered position of the affiliated store may be calculated.
가맹점 주소 정보 변경 여부 조회부(220)는 산출된 통신사 서버(300)를 통해 조회된 가맹점 단말기의 위치와 해당 가맹점의 미리 등록된 위치 간의 이격 거리를 확인하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이상인 것으로 판단되면, 해당 가맹점을 비정상 가맹점군으로 1차 분류할 수 있다.The merchant address information change information inquiry unit 220 checks the separation distance between the position of the affiliated store terminal inquired through the calculated communication company server 300 and the pre-registered position of the corresponding affiliate store, and the calculated separation distance is a preset predetermined distance. If it is determined that the standard or more, the affiliated store may be classified as an abnormal affiliated group first.
본 발명의 일 실시예에 따르면, 가맹점 주소 정보 변경 여부 조회부(220)는 산출된 통신사 서버(300)를 통해 조회된 가맹점의 위치와 해당 가맹점의 미리 등록된 위치 간의 이격 거리를 확인하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이내에 포함되는 것으로 판단되면, 해당 가맹점을 정상 가맹점으로 식별할 수 있다.According to one embodiment of the present invention, the merchant address information change inquiry unit 220 calculates by checking the separation distance between the position of the affiliated store inquired through the calculated carrier server 300 and the pre-registered position of the affiliated store, If it is determined that the separated distance is included within a predetermined predetermined distance criterion, the affiliated store may be identified as a normal affiliated store.
가맹점 주소 정보 변경 여부 조회부(220)는 비정상 가맹점군으로 1차 분류된 가맹점에 한하여 가맹점 정보를 포함하는 해당 가맹점의 주소 정보 변경 여부 조회 요청을 국세청 서버(400)로 전송할 수 있으며, 국세청 서버(400)로부터 요청한 해당 가맹점의 주소 정보 변경 여부 조회 결과를 수신할 수 있다.The merchant address information change inquiry unit 220 may transmit to the IRS server 400 a request for changing the address information of the corresponding merchant including the merchant information only to merchants classified as an abnormal merchant group, the IRS server ( In step 400, the inquiry result of whether to change the address information of the corresponding affiliated store may be received.
예를 들어, "커피전문점 A"의 가맹점 단말기(100)로부터 결제 승인 요청과 함께 수신된 가맹점 단말기 식별 정보가 "123.456.78.90"임에 따라, 가맹점 위치 정보 조회부(210)를 통해 조회된, 결제 승인 요청된 "커피전문점 A"의 가맹점 단말기(100) 위치 정보가 "서울시 서초구 효령로 275"이며, 카드사 서버(200) 내 데이터베이스(미도시)에 미리 등록되어 있는 "커피전문점 A"의 주소는 "서울시 서초구 서초중앙로 52"이며, 미리 설정된 일정 거리의 기준이 "1km 이상"이라고 가정하면, 가맹점 주소 정보 변경 여부 조회부(220)는 "커피전문점 A"에 대해, 가맹점 단말기 식별 정보를 기초로 조회된 위치 정보인 "서울시 서초구 효령로 275"와 미리 등록된 위치 정보인 "서울시 서초구 서초중앙로 52" 간의 이격 거리를 산출할 수 있다.For example, according to the merchant terminal identification information received with the payment approval request from the merchant terminal 100 of "coffee shop A" is "123.456.78.90", it is inquired through the affiliate store location information inquiry unit 210, Merchant terminal 100 location information of the "coffee shop A" requested payment approval "275 Hyoyeong-ro, Seocho-gu, Seoul" is the address of the "coffee shop A" that is registered in advance in the database (not shown) in the card company server 200 Is "52, Seocho Jungang-ro, Seocho-gu, Seoul", assuming that a predetermined distance standard is "1 km or more", the merchant address information change inquiry unit 220 is based on the merchant terminal identification information for "coffee shop A"; It is possible to calculate the separation distance between "275 Hyoyeong-ro, Seocho-gu, Seoul," which is inquired as, and "52, Seocho Jungang-ro, Seocho-gu, Seoul," which is registered in advance.
가맹점 주소 정보 변경 여부 조회부(220)는 이격 거리 산출 결과, "서울시 서초구 효령로 275"와 "서울시 서초구 서초중앙로 52" 간의 이격 거리가 447m인 것으로 산출된 경우, 산출된 이격 거리가 미리 설정된 일정 거리의 기준인 1km를 초과하지 않으므로, "커피전문점 A"를 정상 가맹점으로 식별하는 반면, 이격 거리 산출 결과, "서울시 서초구 효령로 275"와 "서울시 서초구 서초중앙로 52" 간의 이격 거리가 1302m인 것으로 산출된 경우, 산출된 이격 거리가 미리 설정된 일정 거리의 기준인 1km를 초과하므로, "커피전문점 A"를 비정상 가맹점군으로 1차 분류할 수 있다.If the merchant address information change unit 220 determines that the separation distance is calculated as a distance of 447m between the "275 Hyoyeong-ro, Seocho-gu, Seoul," and "52, Seocho Jungang-ro, Seocho-gu, Seoul," the calculated distance is calculated in advance. Since it does not exceed 1km, which is the standard of distance, the coffee shop A is identified as a normal affiliated store, while the distance calculation results show that the separation distance between 275 Hyoyeong-ro, Seocho-gu, Seoul and 52 Seocho Jungang-ro, Seocho-gu, Seoul is 1302m. If it is calculated, since the calculated separation distance exceeds 1 km, which is a standard of a predetermined distance, the “coffee specialty store A” may be first classified as an abnormal affiliated store group.
가맹점 주소 정보 변경 여부 조회부(220)는 "커피전문점 A"를 비정상 가맹점군으로 1차 분류한 경우, 국세청 서버(400)로 "커피전문점 A"의 가맹점 코드 번호인 "102837"을 전송하여, "커피전문점 A"에 대한 주소 정보 변경 여부 조회 결과를 수신할 수 있다.If the merchant address information change inquiry unit 220 first classifies "coffee specialty store A" as an abnormal affiliated store group, transmits "102837" which is the merchant code number of "coffee specialty store A" to the IRS server 400, It is possible to receive the result of the inquiry whether the change of the address information for the "coffee shop A".
비정상 가맹점 식별부(230)는 소정 기간 동안 가맹점의 주소 정보 변경 이력이 조회되지 않는 경우, 해당 가맹점을 비정상 가맹점으로 식별할 수 있다.The abnormal affiliated store identification unit 230 may identify the affiliated store as an abnormal affiliated store when the change of the address information of the affiliated store is not inquired for a predetermined period of time.
비정상 가맹점 식별부(230)는 소정 기간 동안 가맹점의 주소 정보 변경 이력이 조회되는 경우, 통신사 서버(300)를 통해 조회된 가맹점 위치와 국세청 서버(400) 상에 변경된 가장 최근의 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 산출할 수 있다.The abnormal affiliated store identification unit 230 corresponds to the affiliated store location inquired through the telecommunication company server 300 and the most recent address information changed on the IRS server 400 when the change information of the affiliated store for the predetermined period is inquired. It is possible to calculate the separation distance between the merchant location.
비정상 가맹점 식별부(230)는 산출된 통신사 서버(300)를 통해 조회된 가맹점의 위치와 국세청 서버(400) 상에 변경된 가장 최근의 주소 정보에 상응하는 가맹점 위치 간의 이격 거리가 미리 설정된 일정 거리 기준 이상인 것으로 판단된 경우, 해당 가맹점을 비정상 가맹점으로 식별할 수 있다.The abnormal affiliated store identification unit 230 is based on a predetermined distance based on a predetermined distance between the location of the affiliated store inquired through the calculated carrier server 300 and the affiliated store location corresponding to the latest address information changed on the IRS server 400. If determined to be abnormal, the affiliated store may be identified as an abnormal affiliated store.
본 발명의 일 실시예에 따르면, 비정상 가맹점 식별부(230)는 산출된 통신사 서버(300)를 통해 조회된 가맹점의 위치와 국세청 서버(400) 상에 변경된 가장 최근의 주소 정보에 상응하는 가맹점 위치 간의 이격 거리가 미리 설정된 일정 거리 기준 이내에 포함되는 것으로 판단된 경우, 해당 가맹점을 정상 가맹점으로 식별할 수 있다.According to an embodiment of the present invention, the abnormal affiliated store identification unit 230 corresponds to the location of the affiliated store inquired through the calculated communication company server 300 and the affiliated store location corresponding to the latest address information changed on the IRS server 400. If it is determined that the separation distance is within the predetermined predetermined distance criteria, the affiliated store may be identified as a normal affiliated store.
예를 들어, 가맹점 주소 정보 변경 여부 조회부(220)가 국세청 서버(400)로 "커피전문점 A"의 가맹점 코드 번호인 "102837"을 전송함에 따라, "커피전문점 A"의 주소 정보가 "서울시 서초구 서초중앙로 52"에서 "서울시 서초구 서초중앙로2길 22"로 변경된 이력이 조회되었다고 가정하면, 비정상 가맹점 식별부(230)는 통신사 서버(300)를 통해 조회된 결제 승인 요청된 가맹점의 위치인 "서울시 서초구 효령로 275"와 가맹점의 변경된 주소 정보에 상응하는 가맹점 위치인 "서울시 서초구 서초중앙로2길 22" 간의 이격 거리를 산출할 수 있다.For example, as the merchant address information change inquiry unit 220 transmits the merchant code number "102837" of the "coffee shop A" to the IRS server 400, the address information of the "coffee shop A" is "Seoul City." Suppose that the history changed from "52 Seocho Jungang-ro, Seocho-gu, Seocho-gu, Seocho-gu, Seoul 22" has been inquired, the abnormal merchant identification unit 230 is the location of the merchant requesting payment approval requested through the communication company server 300 " The separation distance between 275 "Hyoryong-ro, Seocho-gu, Seoul, and" 22, Seocho Jungang-ro 2-gil, Seocho-gu, Seoul "corresponding to the changed address information of the merchant can be calculated.
비정상 가맹점 식별부(230)는 통신사 서버(300)를 통해 조회된 결제 승인 요청된 가맹점의 위치인 "서울시 서초구 효령로 275"와 가맹점의 변경된 주소 정보에 상응하는 가맹점 위치인 "서울시 서초구 서초중앙로2길 22" 간의 이격 거리가 523m로 산출되었다고 가정하면, 산출된 이격 거리가 미리 설정된 일정 거리 기준인 1km를 초과하지 않은 것으로 판단하여, 해당 가맹점을 정상 가맹점으로 식별하는 반면, 통신사 서버(300)를 통해 조회된 결제 승인 요청된 가맹점의 위치인 "서울시 서초구 효령로 275"와 가맹점의 변경된 주소 정보에 상응하는 가맹점 위치인 "서울시 서초구 서초중앙로2길 22" 간의 이격 거리가 1124m로 산출되었다고 가정하면, 산출된 이격 거리가 미리 설정된 일정 거리 기준인 1km를 초과하는 것으로 판단하여, 해당 가맹점을 비정상 가맹점으로 식별할 수 있다.The abnormal merchant identification unit 230 is "275 Hyoyeong-ro, Seocho-gu, Seoul-si", which is the location of the request for payment approval requested through the telecommunication company server 300, and the merchant location corresponding to the changed address information of the merchant "Seoul-cho, Seocho-gu, Seoul 2 Assuming that the separation distance between the road 22 "is calculated to be 523m, it is determined that the calculated separation distance does not exceed 1km, which is a predetermined predetermined distance standard, and identifies the affiliated store as a normal affiliated store, whereas the carrier server 300 is identified. Suppose that the separation distance between 275, Hyoryong-ro, Seocho-gu, Seoul, requested to be approved for payment and the affiliated location, 22, Seocho Jungang-ro 2-gil, Seocho-gu, Seoul, corresponding to the changed address information of the merchant were calculated to be 1124m. It is determined that the calculated separation distance exceeds 1km, which is a predetermined distance standard, and the affiliated store is regarded as an abnormal affiliated store. It can be identified.
결제 승인부(240)는 결제 승인 요청된 가맹점이 비정상 가맹점으로 식별된 경우, 해당 결제 요청을 승인 거절 할 수 있다.The payment approval unit 240 may reject the corresponding payment request when the affiliated shop requesting the payment approval is identified as an abnormal affiliated store.
본 발명의 일 실시예에 따르면, 결제 승인부(240)는 결제 승인 요청된 가맹점이 정상 가맹점으로 식별된 경우, 해당 결제 요청을 승인 할 수 있다.According to an embodiment of the present invention, the payment approval unit 240 may approve the corresponding payment request when the affiliated shop requesting payment approval is identified as a normal affiliate store.
비정상 가맹점 관리부(250)는 비정상 가맹점으로 식별된 가맹점을 대상으로 부정 거래 발생을 방지하기 위한 모니터링을 실시할 수 있다.The abnormal merchant management unit 250 may monitor to prevent the occurrence of fraudulent transactions for the merchants identified as abnormal merchants.
비정상 가맹점 관리부(250)는 비정상 가맹점 대상의 모니터링을 통해, 비정상 가맹점으로 식별된 이후, 해당 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 요청을 승인 거절함으로써, 비정상 가맹점에 대한 관리를 수행할 수 있다.The abnormal merchant management unit 250 performs the management of the abnormal merchant by rejecting the received payment request when the approval request is received from the abnormal merchant after being identified as the abnormal merchant through the monitoring of the abnormal merchant. can do.
도 3은 본 발명의 일 실시예에 따라 위치 정보를 이용한 비정상 가맹점 식별 서비스가 제공되는 과정을 도시한 순서도이다.3 is a flowchart illustrating a process of providing an abnormal merchant identification service using location information according to an embodiment of the present invention.
먼저, 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기(100)로부터 카드사 서버(200)로 전송될 수 있다(S301).First, the payment approval request including the affiliated store terminal identification information may be transmitted from the affiliated store terminal 100 to the card company server 200 (S301).
가맹점 단말기(100)로부터 결제 승인 요청을 수신한 카드사 서버(200)는 수신된 가맹점 단말기 식별 정보를 통신사 서버(300)로 전송하여 가맹점 단말기 식별 정보를 기초로 하는 가맹점 위치 정보 조회를 수행할 수 있다(S302).The card company server 200 receiving the payment approval request from the affiliated store terminal 100 may transmit the received affiliated store terminal identification information to the telecommunication company server 300 to perform affiliate store location information inquiry based on the affiliated store terminal identification information. (S302).
통신사 서버(300)를 통해 결제 승인 요청된 가맹점의 위치가 조회되면, 카드사 서버(200)는 통신사 서버(300)를 통해 조회된 가맹점 위치와 카드사 서버(200) 내 데이터베이스(미도시)에 미리 등록되어 있는 해당 가맹점 위치 간 이격 거리를 산출하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이상인지 여부를 확인할 수 있다(S303).When the location of the affiliated store requested payment approval is inquired through the telecommunication company server 300, the card company server 200 is registered in advance in the database (not shown) in the affiliated store location and the card company server 200 inquired through the telecommunication company server 300. By calculating the separation distance between the corresponding merchant location, it is possible to check whether the calculated separation distance is greater than or equal to a predetermined predetermined distance reference (S303).
카드사 서버(200)는 산출된 이격 거리가 미리 설정된 일정 거리 기준 이상인 것으로 확인된 경우, 해당 가맹점을 비정상 가맹점군으로 1차 분류하고, 해당 가맹점의 정상 여부를 한번 더 판단하기 위해, 해당 가맹점에 대한 가맹점 정보를 국세청 서버(400)로 전송할 수 있다(S304).When the card company server 200 determines that the calculated separation distance is greater than or equal to a predetermined predetermined distance standard, the affiliated stores are classified as an abnormal affiliate group first, and in order to determine whether the corresponding affiliate store is normal again, Merchant information may be transmitted to the IRS server 400 (S304).
반면, 카드사 서버(200)는 산출된 이격 거리가 미리 설정된 일정 거리 기준을 초과하지 않는 것으로 확인된 경우, 해당 가맹점을 정상 가맹점으로 최종 식별할 수 있다(S305).On the other hand, if it is confirmed that the card company server 200 does not exceed the predetermined predetermined distance criteria, the card company server 200 may finally identify the corresponding affiliated store as a normal affiliated store (S305).
카드사 서버(200)는 비정상 가맹점군으로 1차 분류된 가맹점을 대상으로 가맹점 정보를 국세청 서버(400)로 전송하여, 소정 기간 동안 해당 가맹점의 주소 정보 변경 이력 존재 여부를 확인할 수 있다(S306).The card company server 200 may transmit the affiliate store information to the IRS server 400 for the affiliate stores classified as the abnormal affiliate group primarily, and may check whether the address information change history of the corresponding affiliate store exists for a predetermined period of time (S306).
소정 기간 동안 해당 가맹점의 주소 정보 변경 이력이 존재하는 것으로 확인된 경우, 카드사 서버(200)는 변경된 것으로 확인된 주소 정보에 상응하는 가맹점의 위치와 통신사 서버(300)를 통해 조회된 가맹점 위치 간의 이격 거리를 산출하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이상인지 여부를 확인할 수 있다(S307).When it is confirmed that the address information change history of the affiliate store exists for a predetermined period, the card company server 200 spaces between the location of the affiliate store corresponding to the changed address information and the affiliate store location inquired through the communication company server 300. By calculating the distance, it is possible to check whether the calculated separation distance is greater than or equal to a preset predetermined distance reference (S307).
반면, 소정 기간 동안 해당 가맹점의 주소 정보 변경 이력이 존재하지 않는 것으로 확인된 경우, 카드사 서버(200)는 해당 가맹점을 비정상 가맹점으로 식별할 수 있다(S308).On the other hand, when it is determined that the address information change history of the affiliate store does not exist for a predetermined period, the card company server 200 may identify the affiliate store as an abnormal affiliate store (S308).
국세청 서버(400)를 통해 변경된 것으로 확인된 주소 정보에 상응하는 가맹점의 위치와 통신사 서버(300)를 통해 조회된 가맹점 위치 간의 이격 거리를 산출하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이상인 것으로 확인된 경우, 카드사 서버(200)는 해당 가맹점을 비정상 가맹점으로 식별할 수 있다(S309).By calculating the separation distance between the location of the merchant corresponding to the address information confirmed to be changed through the IRS server 400 and the affiliated store location inquired through the communication company server 300, the calculated separation distance is greater than or equal to a predetermined predetermined distance standard. If confirmed, the card company server 200 may identify the affiliated store as an abnormal affiliated store (S309).
반면, 국세청 서버(400)를 통해 변경된 것으로 확인된 주소 정보에 상응하는 가맹점의 위치와 통신사 서버(300)를 통해 조회된 가맹점 위치 간의 이격 거리를 산출하여, 산출된 이격 거리가 미리 설정된 일정 거리 기준 이내에 포함되는 것으로 확인된 경우, 카드사 서버(200)는 해당 가맹점을 정상 가맹점으로 식별할 수 있다(S310).On the other hand, by calculating the separation distance between the location of the merchant corresponding to the address information confirmed to be changed through the IRS server 400 and the affiliated store location inquired through the communication company server 300, the calculated distance is based on a predetermined distance If it is determined to be included within, the card company server 200 may identify the affiliated store as a normal affiliated store (S310).
결제 승인 요청된 가맹점의 정상 여부에 대한 식별이 완료되면, 카드사 서버(200)는 식별 결과에 따라 요청된 결제 승인을 승인하거나 승인 거절할 수 있다.When the identification of whether the payment request for the affiliated merchant is normal is completed, the card company server 200 may approve or reject the requested payment approval according to the identification result.
구체적으로, 결제 승인 요청된 가맹점이 정상 가맹점인 것으로 식별되면, 카드사 서버(200)는 해당 가맹점에서 요청된 결제를 승인할 수 있으며, 반면, 결제 승인 요청된 가맹점이 비정상 가맹점인 것으로 식별되면, 카드사 서버(200)는 해당 가맹점에서 요청된 결제를 승인 거절할 수 있다.Specifically, if it is identified that the merchant requested payment approval is a normal merchant, the card company server 200 may approve the payment requested at the merchant, whereas, if the merchant requested payment approval is identified as an abnormal merchant, the card company The server 200 may reject the payment requested by the affiliated store.
카드사 서버(200)는 비정상 가맹점으로 식별된 가맹점을 대상으로 부정 거래 발생을 미연에 방지하기 위한 모니터링을 수행할 수 있다. 모니터링을 수행함으로써, 비정상 가맹점으로 선정된 이후, 해당 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우에는, 해당 결제 요청을 승인 거절할 수 있다.The card company server 200 may monitor the affiliated stores identified as abnormal affiliates to prevent the occurrence of fraudulent transactions in advance. By performing the monitoring, if a payment approval request is received from the abnormal affiliated store after being selected as the abnormal affiliated store, the payment request may be rejected.
이와 같이, 본 발명의 일 실시예에 따르면, 카드사 서버가 외부 정보 관리 서버를 통해 비정상 가맹점 식별에 요구되는 정보를 조회하여, 결제 승인 요청된 가맹점에 대한 정상 여부를 판단하므로, 가맹점의 정상 여부를 식별하기 위한 인력 및 시간에 대한 소비가 요구되지 않는 바, 비정상 가맹점 선별에 소요되는 시간 및 인력의 소비가 단축될 수 있다는 효과가 있다.As such, according to an embodiment of the present invention, since the card company server inquires the information required for identifying the abnormal affiliate store through the external information management server, and determines whether the affiliated store requested the payment approval is normal, whether the affiliate store is normal. Since the consumption of manpower and time for identification is not required, there is an effect that the consumption of time and manpower required for abnormal merchant selection can be shortened.
또한, 본 발명의 일 실시예에 따르면, 가맹점 단말기 식별 정보를 기초로 획득된 위치 정보를 이용하여 비정상 가맹점을 식별하므로, 정확한 이격 거리 정보에 근거한 비정상 가맹점 식별이 가능하다는 장점이 있다.In addition, according to one embodiment of the present invention, since the abnormal merchant is identified using the location information obtained based on the affiliated store terminal identification information, there is an advantage that the abnormal merchant can be identified based on the accurate separation distance information.
또한, 본 발명의 일 실시예에 따르면, 비정상 가맹점으로 식별된 가맹점을 대상으로 모니터링을 실시하여, 비정상 가맹점으로부터 수신되는 결제 요청을 승인 거절하므로, 비정상 가맹점에 대한 사후 처리가 가능한 바, 비정상 가맹점에서 발생할 수 있는 부정 거래를 미연에 방지할 수 있다.In addition, according to an embodiment of the present invention, by monitoring the merchants identified as abnormal merchants, and rejects the payment request received from the abnormal merchants, it is possible to post-process the abnormal merchants, at the abnormal merchants It is possible to prevent fraudulent transactions that may occur.
전술한 본 발명의 설명은 예시를 위한 것이며, 본 발명이 속하는 기술분야의 통상의 지식을 가진 자는 본 발명의 기술적 사상이나 필수적인 특징을 변경하지 않고서 다른 구체적인 형태로 쉽게 변형이 가능하다는 것을 이해할 수 있을 것이다. 그러므로 이상에서 기술한 실시예들은 모든 면에서 예시적인 것이며 한정적이 아닌 것으로 이해해야만 한다. 예를 들어, 단일형으로 설명되어 있는 각 구성 요소는 분산되어 실시될 수도 있으며, 마찬가지로 분산된 것으로 설명되어 있는 구성 요소들도 결합된 형태로 실시될 수 있다.The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.
본 발명의 범위는 후술하는 특허청구범위에 의하여 나타내어지며, 특허청구범위의 의미 및 범위 그리고 그 균등 개념으로부터 도출되는 모든 변경 또는 변형된 형태가 본 발명의 범위에 포함되는 것으로 해석되어야 한다.The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.
100 : 가맹점 단말기100: merchant terminal
200 : 카드사 서버200: card company server
210 : 가맹점 위치 정보 조회부210: merchant location information search unit
220 : 가맹점 주소 정보 변경 여부 조회부220: inquiry whether or not to change the merchant address information
230 : 비정상 가맹점 식별부230: abnormal merchant identification unit
240 : 결제 승인부240: payment approval
250 : 비정상 가맹점 관리부250: abnormal merchant management unit
300 : 통신사 서버300: carrier server
400 : 국세청 서버400: IRS server

Claims (15)

  1. 카드사 서버가, 위치 정보를 이용한 비정상 가맹점 식별 서비스를 제공하는 방법에 있어서,In the method of the card company server provides an abnormal merchant identification service using the location information,
    (a) 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기로부터 수신되면, 가맹점의 위치 정보를 조회하는 단계;(a) if the payment approval request including the merchant terminal identification information is received from the merchant terminal, querying location information of the merchant;
    (b) 상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 경우, 상기 가맹점 정보를 국세청 서버로 전송하여, 소정 기간 동안 상기 가맹점의 주소 정보 변경 여부를 조회하는 단계; 및(b) checking the separation distance between the inquired affiliate store location and the previously registered affiliate store location, and when the separation distance is more than a predetermined distance, transmitting the affiliate store information to the IRS server to determine whether to change the address information of the affiliate store for a predetermined period. Querying; And
    (c) 상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되지 않는 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.and (c) identifying the affiliated store as an abnormal affiliated store if the address information change history of the affiliated store is not inquired during the predetermined period.
  2. 제 1항에 있어서,The method of claim 1,
    상기 (b) 단계에서,In step (b),
    상기 가맹점 정보는, 상기 가맹점의 상호명, 가맹점 식별 코드 등을 포함하며, 상기 미리 등록된 가맹점 위치 정보와 매칭되어 저장된 것을 특징으로 하는, 비정상 가맹점 식별 서비스 제공 방법.The affiliated store information includes a name of the affiliated store, an affiliated store identification code, and the like, and is matched with the pre-registered affiliated store location information and stored therein.
  3. 제 1항에 있어서,The method of claim 1,
    상기 (a) 단계는,In step (a),
    상기 가맹점 단말기 식별 정보를 포함하는 상기 결제 승인 요청이 상기 가맹점 단말기로부터 수신되면, 상기 수신된 가맹점 단말기 식별 정보를 통신사 서버로 전송하여, 상기 가맹점의 위치 정보를 조회하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.When the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, transmitting the received affiliated store terminal identification information to a communication company server, and inquiring the location information of the affiliated store, abnormal merchant identification How we deliver the service.
  4. 제 1항에 있어서,The method of claim 1,
    상기 (b) 단계는,In step (b),
    상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.And checking the separation distance between the inquired affiliate store location and the previously registered affiliate store location, and when the separation distance is within a predetermined distance, identifying the affiliate store as a normal affiliate store.
  5. 제 1항에 있어서,The method of claim 1,
    상기 (c) 단계는,In step (c),
    상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이상인 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.When the address information change history of the affiliated store is inquired for the predetermined period, when the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information is checked, the separation distance is greater than or equal to the predetermined distance, And identifying the affiliated store as an abnormal affiliated store.
  6. 제 1항에 있어서,The method of claim 1,
    상기 (c) 단계는,In step (c),
    상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.When the history of change of the address information of the affiliated store is queried for the predetermined period, the separation distance is checked between the affiliated store location inquired through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is within the predetermined distance. And identifying the affiliated store as a normal affiliated store.
  7. 제 1항에 있어서,The method of claim 1,
    (d) 상기 가맹점을 비정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인 거절하는 단계를 더 포함하며,(d) if the affiliated store is identified as an abnormal affiliated store, rejecting the received payment request;
    (e) 상기 비정상 가맹점을 대상으로 부정 거래를 방지하기 위한 모니터링을 실시하여, 이후 상기 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 요청을 승인 거절함으로써, 상기 비정상 가맹점에 대한 관리를 수행하는 단계를 더 포함하는, 비정상 가맹점 식별 서비스 제공 방법.(e) monitoring the abnormal merchant to prevent illegal transactions, and when a request for approval of payment is received from the abnormal affiliated store, by rejecting the received payment request, the management of the abnormal affiliated store is performed. Further comprising the step of, abnormal merchant identification service providing method.
  8. 제 7항에 있어서,The method of claim 7, wherein
    상기 (d) 단계는,In step (d),
    상기 가맹점을 정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인하는 단계를 포함하는, 비정상 가맹점 식별 서비스 제공 방법.And if the affiliated store is identified as a normal affiliated store, approving the received payment request.
  9. 가맹점 단말기 식별 정보를 포함하는 결제 승인 요청이 가맹점 단말기로부터 수신되면, 가맹점의 위치 정보를 조회하는 가맹점 위치 정보 조회부;An affiliated store location information retrieval unit for retrieving location information of the affiliated store when a payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal;
    상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이상인 경우, 상기 가맹점 정보를 국세청 서버로 전송하여, 소정 기간 동안 상기 가맹점의 주소 정보 변경 여부를 조회하는 가맹점 주소 정보 변경 여부 조회부; 및A merchant that checks the separation distance between the inquired merchant location and the pre-registered merchant location, if the separation distance is more than a predetermined distance, transmits the merchant information to the IRS server and inquires whether the merchant information has been changed for a predetermined period. An inquiry unit for changing address information; And
    상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되지 않는 경우, 상기 가맹점을 비정상 가맹점으로 식별하는 비정상 가맹점 식별부를 포함하는, 카드사 서버.If the address information change history of the affiliated store is not inquired during the predetermined period, the card company server comprising an abnormal affiliated store identification unit for identifying the affiliated store as an abnormal affiliated store.
  10. 제 9항에 있어서,The method of claim 9,
    상기 가맹점 주소 정보 변경 여부 조회부에서,In the affiliate address change information inquiry unit,
    상기 가맹점 정보는, 상기 가맹점의 상호명, 가맹점 식별 코드 등을 포함하며, 상기 미리 등록된 가맹점 위치 정보와 매칭되어 저장된 것을 특징으로 하는, 카드사 서버.The affiliated store information includes a name of the affiliated store, an affiliated store identification code, and the like, and is matched with the pre-registered affiliated store location information and stored.
  11. 제 9항에 있어서,The method of claim 9,
    상기 가맹점 위치 정보 조회부는,The affiliated store location information inquiry unit,
    상기 가맹점 단말기 식별 정보를 포함하는 상기 결제 승인 요청이 상기 가맹점 단말기로부터 수신되면, 상기 수신된 가맹점 단말기 식별 정보를 통신사 서버로 전송하여, 상기 가맹점의 위치 정보를 조회하는, 카드사 서버.When the payment approval request including the affiliated store terminal identification information is received from the affiliated store terminal, the received affiliated store terminal identification information is transmitted to a telecommunication company server to query the location information of the affiliated store, card company server.
  12. 제 9항에 있어서,The method of claim 9,
    상기 가맹점 주소 정보 변경 여부 조회부는,The merchant address information change unit,
    상기 조회된 가맹점 위치와 미리 등록된 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는, 카드사 서버.Checking the separation distance between the inquired merchant location and the pre-registered merchant location, if the separation distance is within a certain distance, the card company server to identify the merchant as a normal merchant.
  13. 제 9항에 있어서,The method of claim 9,
    상기 비정상 가맹점 식별부는,The abnormal merchant identification unit,
    상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이상인 경우, 상기 가맹점을 비정상 가맹점으로 식별하는, 카드사 서버.When the address information change history of the affiliated store is inquired for the predetermined period, when the separation distance between the affiliated store location queried through the communication company server and the affiliated store location corresponding to the changed address information is checked, the separation distance is greater than or equal to the predetermined distance, Card company server for identifying the affiliated merchant as an abnormal affiliated store.
  14. 제 9항에 있어서,The method of claim 9,
    상기 비정상 가맹점 식별부는,The abnormal merchant identification unit,
    상기 소정 기간 동안 상기 가맹점의 주소 정보 변경 이력이 조회되는 경우, 상기 통신사 서버를 통해 조회된 가맹점 위치와 변경된 주소 정보에 상응하는 가맹점 위치 간의 이격 거리를 확인하여, 이격 거리가 상기 일정 거리 이내인 경우, 상기 가맹점을 정상 가맹점으로 식별하는, 카드사 서버.When the history of change of the address information of the affiliated store is queried for the predetermined period, the separation distance is checked between the affiliated store location inquired through the communication company server and the affiliated store location corresponding to the changed address information, and the separation distance is within the predetermined distance. Card server for identifying the affiliated merchant as a normal merchant.
  15. 제 9항에 있어서,The method of claim 9,
    상기 가맹점을 비정상 가맹점으로 식별한 경우, 상기 수신된 결제 요청을 승인 거절하는 결제 승인부를 더 포함하며,If the affiliated store is identified as an abnormal affiliated store, further comprising a payment approval unit for rejecting the received payment request,
    상기 비정상 가맹점을 대상으로 부정 거래를 방지하기 위한 모니터링을 실시하여, 이후 상기 비정상 가맹점으로부터 결제 승인 요청이 수신되는 경우, 수신된 결제 요청을 승인 거절함으로써, 상기 비정상 가맹점에 대한 관리를 수행하는 비정상 가맹점 관리부를 더 포함하는, 카드사 서버.Abnormal merchant to perform monitoring for the abnormal merchant by performing a monitoring to prevent fraudulent transactions to the abnormal merchant, and after the payment approval request is received from the abnormal merchant, by rejecting the received payment request Card company server further comprising a management unit.
PCT/KR2017/004907 2016-06-20 2017-05-11 Method for providing abnormal affiliate identification service by using location information, and card company server for performing same WO2017222171A1 (en)

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