WO2017222177A1

WO2017222177A1 - Method for providing card company integrated approval proxy service, and card company server performing same

Info

Publication number: WO2017222177A1
Application number: PCT/KR2017/004914
Authority: WO
Inventors: 한새미; 김광곤; 최강민; 우여름
Original assignee: 비씨카드(주)
Priority date: 2016-06-20
Filing date: 2017-05-11
Publication date: 2017-12-28
Also published as: KR20170142830A; KR101852016B1; KR101857073B1; KR101757125B1; KR20170142818A; WO2017222169A1; KR20170142817A; KR20170142831A; KR101896455B1; KR101756594B1; KR101766599B1; WO2017222183A1; KR20170142822A; KR101766598B1; KR101756598B1; KR20170142825A; KR101766597B1; KR20170142823A; KR20170142821A; KR101836328B1

Abstract

According to an embodiment of the present invention, a method for a card company server providing a card company integrated approval proxy service is provided, the method comprising the steps of: (a) periodically requesting transmission of transaction approval information from a financial company server so as to receive a plurality of pieces of transaction approval information from the financial company server; (b) monitoring the financial company server by deriving monitoring data on the basis of the plurality of received pieces of transaction approval information and by determining whether the derived monitoring data complies with pre-determined approval proxy performance criteria; (c) approving a transaction on behalf of the financial company during a pre-determined approval proxy application time if it is determined that the monitoring data derived using the monitoring complies with the pre-determined approval proxy performance criteria; and (d) if the pre-determined approval proxy application time has ended, transmitting an approval proxy result to the financial company server so that the financial company server can approve a transaction in the future.

Description

How to provide card company integrated agency approval service and card company server performing the same

The present invention relates to a method for providing a card company integrated agency approval service and a card company server performing the same, and more particularly, by monitoring the financial company server according to the agency approval application criteria preset by each financial company, the transaction in the financial company server If it is determined that it is impossible to provide the authorization service, the card company server acts as a transaction approval service, thereby providing a method for providing a card company integrated agency authorization service for providing a temporary card payment service applicable to each financial company and a card company server performing the same. will be.

Recently, with the development of the financial transaction method, and thus the accessibility and convenience of using the financial transaction service has been improved, the number of customers and services using the financial transaction service is gradually increasing.

However, in the currently provided financial transaction service, even if accessibility and convenience of using the financial transaction service has increased, the transaction approval service is suspended because the customer cannot use the financial card transaction service during the financial system inspection time or the error occurrence time. There is a problem.

Accordingly, there is an increasing demand for a system for allowing the integrated card company server to perform the transaction approval of the different financial company servers on the basis of the transaction approval condition for each financial company, and there is an urgent need to solve the above problems. to be.

The present invention is to solve the above-mentioned problems of the prior art, by monitoring the financial server server in accordance with a predetermined agency approval application criteria preset by each financial company, if it is determined that it is impossible to provide a transaction approval service in the financial company server, the card company server By providing a transaction approval service, an object of the present invention is to provide a method for providing a card company integrated agency approval service that wants to provide a temporary card payment service applicable to each financial company and a card company server performing the same.

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.

According to an embodiment of the present invention for achieving the above object, in a method for providing a card company integrated agency approval service, the card company server, (a) requesting the financial company server to periodically transmit transaction approval information, the financial company server Receiving a plurality of transaction approval information from the; (b) deriving monitoring data based on the received plurality of transaction approval information, and performing monitoring of the financial institution server to determine whether the derived monitoring data meets a predetermined agency approval performance standard; (c) if it is determined that the derived monitoring data meets the preset agency approval performance standard through the monitoring, performing transaction approval on behalf of a financial company for a preset agency approval application time; And (d) when the preset agency approval application time ends, transmitting the agency approval result to the financial institution server so that the transaction approval may be performed at the financial company server. A method is provided.

Wherein (b), if there are a plurality of financial company server, may include the step of performing monitoring for each financial company, the step (c), if there are a plurality of financial company server, the predetermined agency approval for each financial company It may include performing a transaction approval on behalf of the financial company for each financial company based on the performance criteria.

In the step (c), when a transaction approval request is received from a merchant terminal determined to have a high possibility of fraud, based on the transaction approval history information, the transaction approval is performed on behalf of the financial company only for the request for approval of a predetermined amount limit. It may include the step.

In the step (c), when a transaction approval request is received from the affiliated terminal determined to have a high possibility of fraud, based on the transaction history information, the method may include rejecting the request received from the affiliated store terminal.

In the step (c), when the transaction approval request is received from the merchant terminal, the transaction approval request amount information included in the received transaction approval request is checked, and the accumulated amount of approval of the merchant including the requested transaction approval amount is limited to the merchant approval. If it is determined that the amount is exceeded, it may include the step of rejecting the request received from the merchant terminal.

Step (c) may include performing a transaction approval on behalf of the financial company at a time preset by the user, regardless of monitoring.

The preset time by the user may correspond to an expected transaction approval stop time of the financial company server calculated in advance based on the received plurality of transaction approval information.

On the other hand, according to another embodiment of the present invention, the transaction approval information receiving unit for receiving a plurality of transaction approval information from the financial company server by periodically requesting the transaction approval information transmission to the financial company server; A monitoring execution unit configured to derive monitoring data based on the received plurality of transaction approval information, and determine whether the derived monitoring data meets a predetermined agency approval performance standard; A transaction approval unit performing transaction approval on behalf of a financial company during a predetermined agency approval application time when it is determined that the derived monitoring data through the monitoring meets the preset agency approval performance standard; And a proxy approval result transmission unit configured to transmit a proxy approval result to the financial company server when the preset agency approval application time is ended, and then allow the transaction approval to be performed at the financial company server.

The monitoring execution unit may perform monitoring for each financial company when there are a plurality of financial company servers, and when the plurality of financial company servers are provided, the transaction approval unit may be based on a predetermined agency approval approval standard for each financial company. Transaction approval can be performed on behalf of

The transaction approval unit may perform a transaction approval on behalf of the financial company only for a request for approval of a predetermined amount limit when a transaction approval request is received from a merchant terminal determined to have a high possibility of fraud based on transaction approval history information. have.

The transaction approval unit may reject the request received from the merchant terminal when a transaction approval request is received from the merchant terminal determined to have a high probability of fraud.

When the transaction approval request is received from the merchant terminal, the transaction approval unit checks the transaction approval request amount information included in the received transaction approval request, and the accumulated amount of the approval of the merchant including the requested transaction approval amount corresponds to the merchant approval limit amount. If it is determined to exceed, the transaction received from the merchant terminal can be rejected.

The transaction approval unit may perform transaction approval on behalf of the financial company at a time preset by the user regardless of the monitoring.

According to an embodiment of the present invention, since it provides a card transaction agency approval service through monitoring on the basis of the approval conditions for each financial company, through a VAN company to provide a card transaction agency approval service on the basis of the collective common approval conditions Compared to this, it is possible to provide precise agency approval service.

In addition, according to an embodiment of the present invention, when a problem with the transaction approval in the financial company server, the card company server temporarily performs the agency approval, so that the card payment approval decline due to the financial company server failure does not occur, There is an effect that the card payment authorization service can be provided smoothly without interruption.

In addition, according to an embodiment of the present invention, since the card company server shares the transaction approval history information by transmitting the agency approval result to the financial company server when the agency approval is completed, data consistency in the financial transaction approval may be secured. have.

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.

1 is a diagram schematically showing the configuration of a card company integrated agency approval service providing system according to an embodiment of the present invention.

2 is a block diagram showing the configuration of a card company server according to an embodiment of the present invention.

3 is a flowchart illustrating a process of providing a credit card integrated agency approval service according to an embodiment of the present invention.

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.

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.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to FIG. 1, the card company integrated agency approval service providing system according to an exemplary embodiment of the present invention includes an affiliated store terminal 100, a card company server 200, and a financial company server 300.

First, not only the merchant terminal 100 and the card company server 200 but also the card company server 200 and the financial company server 300 may be connected to each other by a communication network, where the communication network may cover its communication modes such as wired and wireless. It can be configured without. 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).

The merchant 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 merchant terminal 100 sends a transaction approval request to the card company server 200 or the financial company server 300. Can transmit

The affiliated store terminal 100 may receive a transaction approval result from the card company server 200 or the financial company server 300 when the transaction approval is completed in the card company server 200 or the financial company server 300.

The card company server 200 may periodically request the financial institution server 300 to transmit transaction approval information, and may receive a plurality of transaction approval information from the financial institution server 300. The transaction approval information may include transaction approval real-time information, transaction approval history information, affiliated store information, affiliated store approval limit amount information, and affiliated store authorized accumulation amount status information.

The card company server 200 may derive the monitoring data based on the plurality of transaction approval information received from the financial company server 300. The monitoring data may be derived by collecting a plurality of transaction approval real-time information among the plurality of transaction approval information.

The card company server 200 may determine whether the derived monitoring data meets a predetermined agency approval performance standard, and may monitor the financial company server 300. The performance criteria for the agency approval may be different for each card company.

According to an embodiment of the present invention, when there are a plurality of financial company servers 300, the card company server 200 may perform monitoring for each card company based on a predetermined agency approval standard for each card company.

If the card company server 200 determines that the monitoring data derived through monitoring meets a predetermined agency approval criterion, the card company server 200 may perform a card company integrated agency approval based on transaction approval information for a predetermined agency approval application time. . Agency approval application time may vary by card company.

According to an embodiment of the present invention, when there are a plurality of financial company servers 300, the card company server 200 may perform the agency approval for each card company on the basis of a predetermined agency approval performance standard for each card company.

If the card company server 200 determines that the monitoring data derived through monitoring does not meet the preset agency approval criteria, the card company server 200 may not perform the integrated agency approval.

The card company server 200 may select one or more affiliate stores having a high possibility of fraudulent use based on the transaction approval details among the received transaction approval information.

The card company server 200 includes a merchant corresponding to the received transaction approval request in one or more high probability of fraudulent use, which is pre-established when the transaction approval request is received from the affiliated store terminal 100 when performing the card company integrated agency approval. Can be determined.

According to an embodiment of the present invention, the card company server 200, at the time of performing the card company integration agency approval, the merchant corresponding to the transaction approval request received through the confirmation of the merchant information to one or more of the pre-selected merchants likely to use fraudulent use If it is determined that the inclusion, the merchant terminal 100 may transmit a message for rejecting the transaction approval.

According to another embodiment of the present invention, the card company server 200, at the time of performing the card company integration agency approval, the merchant corresponding to the transaction approval request received through the confirmation of the merchant information to one or more of the pre-selected merchants with a high probability of fraud If it is determined that it is not included, it may transmit a message about the transaction approval to the merchant terminal (100).

When the card company server 200 performs a card company integrated agency approval, if a transaction approval request is received from the affiliated store terminal 100, the card company server 200 based on the merchant information and the transaction approval request amount information included in the received transaction approval request, the transaction received in advance By confirming the approval information, it is possible to determine whether the accumulated amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount.

According to an embodiment of the present invention, the card company server 200 accumulates the approval of the merchant including the requested transaction approval amount, by confirming the transaction approval request amount information received from the merchant terminal 100 when performing the card company integration agency approval. If it is determined that the amount exceeds the merchant approval limit amount, a message for rejecting the transaction approval may be transmitted to the merchant terminal 100.

According to another embodiment of the present invention, the card company server 200 accumulates the approval of the merchant including the requested transaction approval amount, by checking the transaction approval request amount information received from the merchant terminal 100 when performing the card company integration agency approval If it is determined that the amount does not exceed the amount of the merchant approval limit, the message for the transaction approval may be transmitted to the merchant terminal 100.

The card company server 200 may perform the card company integration agency approval at a time preset by the user, regardless of the financial company server 300 monitoring. The predetermined time set by the user may correspond to an expected transaction approval stop time of the financial company server calculated in advance based on the transaction approval information.

The card company server 200 transmits the agency approval result to the financial company server 300 when the predetermined agency approval application time is completed, and when the card company integrated agency approval is completed, the banking company server (after the preset agency approval application time) At 300, transaction approval may be performed.

2 is a block diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.

2, the card company server 200 according to an embodiment of the present invention, the transaction approval information receiving unit 210, the monitoring execution unit 220, the transaction approval unit 230 and the agency approval result transmission unit 240 It includes.

The transaction approval information receiver 210 may periodically request transaction approval information transmission from the financial institution server 300 to receive a plurality of transaction approval information from the financial institution server 300.

For example, the transaction approval information receiver 210 may request the financial institution server 300 to transmit transaction approval information every 30 seconds, thereby receiving and collecting real time information about the transaction approval.

The monitoring performing unit 220 may derive the monitoring data based on the received plurality of transaction approval information, and determine whether the derived monitoring data meets a predetermined agency approval performance standard.

For example, the monitoring execution unit 220 may derive monitoring data such as "39 transactions not approved for 2 minutes" based on the plurality of received transaction approval information, and "100 transactions not processed for 2 minutes". If it is assumed that the "or more" is a predetermined agency approval performance criteria, it can be determined through continuous monitoring whether the derived monitoring data meets the conditions of "100 or more transactions not approved in two minutes".

According to an embodiment of the present invention, the monitoring execution unit 220, when there are a plurality of financial company server 300, may perform monitoring for each card company.

If it is determined that the monitoring data derived through the monitoring meets the preset agency approval performance criteria, the transaction approval unit 230 may perform card agency integrated agency approval based on the transaction approval information during the preset agency approval application time. Can be. The derived monitoring data may be derived in the form of the number of unapproved cases per time, but is not limited thereto.

According to an embodiment of the present disclosure, when there are a plurality of financial company servers 300, the transaction approval unit 230 may perform the agency approval for each card company based on a predetermined agency approval performance standard for each card company.

According to another embodiment of the present invention, if it is determined that the monitoring data derived through monitoring does not meet the preset agency approval performance criteria, the transaction approval unit 230 may not perform the credit card company integrated agency approval.

For example, the card company A's agency approval criteria are "100 transaction unapproved for 2 minutes", the card company B's agency approval standard is "200 transactions or more unapproved for 5 minutes", and the card company C's agency Assuming that the approval performance criterion is "75 or more transaction unauthorized processes for 3 minutes", the monitoring execution unit 220 based on the transaction approval information collected from the server of the card company A, the server of the card company B, and the server of the card company C. Card company A, B, and C, respectively, monitoring data of "89 unauthorized transactions for 2 minutes", "217 unauthorized transactions for 5 minutes" and "90 unauthorized transactions for 3 minutes" A does not perform the card company integration agency approval of the card company server 200, the transaction approval is processed through the server of the card company A, card company B and C card company integration agency approval is performed in the card company server 200. As such, the monitoring by the card company and the integrated approval of the credit card company may be performed based on a predetermined credit card execution agency standard.

The transaction approval unit 230 may select one or more affiliate stores having a high probability of fraud based on the transaction approval details of the received transaction approval information.

When the transaction approval unit 230 receives a transaction approval request from the affiliated store terminal 100 when the card company integrates the agency approval, one or more merchants having a high probability of fraudulent use that have been selected in advance corresponding to the received transaction approval request are selected. It can be determined whether it is included in either.

According to one embodiment of the present invention, the transaction approval unit 230 is to be included in any one of the merchants that are likely to cause fraudulent use of one or more pre-selected merchants corresponding to the transaction approval request received through the merchant information verification. If it is determined, the result of the transaction approval rejection may be transmitted to the affiliated store terminal 100.

According to another embodiment of the present invention, the transaction approval unit 230 is not included in any one of the merchants that are likely to cause misuse at least one pre-selected merchant corresponding to the transaction approval request received through the merchant information confirmation. If it is determined that the result of the transaction approval may be transmitted to the affiliated store terminal (100).

For example, assuming that the credit card companies A and C are selected as the franchisees among the credit card companies A, B, and C through the transaction approval unit 230, the transaction approval unit 230 is the card companies A, B, and C. For card transaction authorization requests issued by, card transaction authorization requests issued by card companies A and C decline transaction approval, and card transaction authorization requests issued by card company B complete transaction approval, and the merchant terminal ( 100), the transaction approval rejection message may be transmitted for the card transaction approval request issued by the card companies A and C, and the transaction approval message may be transmitted for the card transaction approval request issued by the card company B.

When the transaction approval unit 230 receives a transaction approval request from the merchant terminal 100, based on the merchant information and the transaction approval request amount information included in the received transaction approval request, the transaction approval information accumulates for each card company in advance. By confirming the approval amount information, it is possible to determine whether the accumulated amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount.

According to one embodiment of the present invention, the transaction approval unit 230, through the confirmation of the approval limit amount, if it is determined that the cumulative amount of approval of the merchant including the requested transaction approval amount exceeds the merchant approval limit amount, the merchant terminal The result of the rejection of the transaction approval may be transmitted to 100.

According to another embodiment of the present invention, the transaction approval unit 230 through the approval limit amount check, if it is determined that the cumulative amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount, the affiliate store The terminal 100 may transmit a result of the transaction approval.

For example, assuming that the authorization limit amount of the card company A is 200,000 won and that the authorization limit amount of the card company B is 500,000 won, the card transaction issued by the card company A from the merchant terminal 100 when the card company integration agency approval is performed, is performed. If an authorization request of 60,000 won has been received, an authorization request of 100,000 won has been received for a card transaction issued by card company B, and the cumulative amount of authorization information received from each of card company A and card company B is 150,000 won and 230,000 won, respectively. The authorization unit 230, for the card transaction authorization request issued by the card company A, because the authorization limit amount is exceeded when the transaction approval, transmits a message about the rejection of authorization to the merchant terminal 100, while at the card company B For the issued card transaction approval request, since the authorization limit amount is not exceeded even if the transaction is approved, the merchant terminal 100 receives the transaction approval. Messages can be sent.

The transaction approval unit 230 may perform card company integration agency approval at a time preset by the user, regardless of monitoring. The preset time set by the user may correspond to an expected transaction approval stop time of the financial company server 300 calculated in advance based on the transaction approval information.

As the agency approval result transmission unit 240 ends the preset agency approval application time, when the integration of the card company integrated agency approval is completed, the agency approval result is transmitted to the financial company server, and the financial company server after the predetermined agency approval application time. At 300, transaction approval may be performed.

For example, assuming that the agency approval application time set in advance for the card company A is 2 hours, and the card company integrated agency approval has been applied since 10:00, the transaction approval unit 230 is the card company integration agency through the monitoring execution unit 220. Authorization is performed only from 10:00 to 12:00 with the approval applied, and after 12, the card transaction approval is processed at the server of the card company A, and the agency approval result transmission unit 240 displays the transaction approval history from 10:00 to 12:00. On the other hand, the agency approval history including the transfer to the server of the card company A, while the predetermined agency approval application time set for the card company B is 5 hours, assuming that the card company integrated agency approval from 14:00, transaction approval unit 230 is Through the monitoring execution unit 220, the agency approval is performed only from 14:00 to 19:00 when the credit card integrated agency approval is applied, and after 19 o'clock, the card transaction is performed on the server of the card company B. This is the process, acting authorization result transmission unit 240 may transmit a proxy authorization, including fingers 19 o'clock 14 o'clock emitter transaction authorization details to the server of the credit card company B.

First, the card company server 200 may periodically transmit a transaction approval information request to the financial company server 300 in order to monitor the financial company server 300 (S301).

Financial company server 300 according to the request of the card company server 200, transaction approval information including real-time transaction approval information, transaction approval history information, merchant information, authorization limit amount information for each merchant, the cumulative amount of approval status information for each merchant, etc. Can be transmitted (S302).

Through this, when there are a plurality of financial company servers 300, the card company server 200 may derive a plurality of monitoring data corresponding to each financial company server by collecting respective transaction approval information from the server for each card company.

When the transaction approval information requested from the financial institution server 300 is received, the card company server 200 may derive the monitoring data and perform monitoring of the financial institution server 300 based on the derived monitoring data (S303).

Through monitoring, the card company server 200 determines whether the monitoring data derived for each card company meets a predetermined agency approval performance standard for each card company, and it is determined that the derived monitoring data meets the predetermined agency approval performance standard. Only credit card companies will be authorized to integrate card companies.

When performing the card company integration agency approval of the card company server 200, if a transaction approval request including merchant information, transaction approval request amount information, etc. is received from the merchant terminal 100 (S304), the card company server 200 to the transaction approval request On the basis of the included merchant information, it is possible to determine whether the merchant is included in the list of a plurality of merchants selected as having a high possibility of fraudulent use (S305), thereby determining whether to approve the transaction for the received transaction approval request. .

In addition, the card company server 200 determines whether to approve the transaction based on the merchant information, and then, based on the transaction approval request amount information included in the transaction approval request, the sum of the credit amount of the credit card company and the requested transaction approval amount By further checking whether the credit card company's approval limit amount is exceeded (S306), it may be finally determined whether or not the transaction approval for the received transaction approval request is made.

The card company server 200 may transmit a transaction approval result to the affiliated store terminal 100 when it is determined whether to approve the received transaction approval request (S307).

Subsequently, when the card company integrated proxy approval of the card company server 200 is completed according to the card agency application time set in advance for each card company, the card company server 200 transfers the result of the agency approval during the time of the agency approval application to the financial company server 300. In operation S308, the agency approval result may include a transaction approval history during the agency approval application time.

As described above, according to an embodiment of the present invention, when a problem about the transaction approval occurs in the financial company server, the card company server performs the agency approval, so that the transaction approval decline due to the failure of the financial company server does not occur, thereby allowing the transaction approval to the user. There is an effect that can provide a smooth card transaction authorization service without interruption of service.

In addition, according to an embodiment of the present invention, the card company server deletes the account balance information and transaction approval history information for each card temporarily stored for the agency approval after transmitting the agency approval result to the financial company server when the agency approval is completed. Therefore, there is an advantage in that it is possible to prevent the financial information security problem that may be caused by the temporary storage information remaining in the card company server.

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.

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: merchant terminal

200: card company server

210: transaction approval information receiver

220: monitoring unit

230: transaction approval

240: agency approval result transmission unit

300: financial company server

Claims

In the method that the card company server provides a card company integrated agency approval service,

(a) periodically requesting the financial institution server to transmit transaction approval information, and receiving a plurality of transaction approval information from the financial institution server;

(b) deriving monitoring data based on the received plurality of transaction approval information, and performing monitoring of the financial institution server to determine whether the derived monitoring data meets a predetermined agency approval performance standard;

(c) if it is determined that the derived monitoring data meets the preset agency approval performance standard through the monitoring, performing transaction approval on behalf of a financial company for a preset agency approval application time; And

(d) when the predetermined agency approval application time expires, transmitting the agency approval result to the financial company server, and then allowing the transaction approval to be performed at the financial company server. .
The method of claim 1,

In step (b),

If there is a plurality of financial company server, comprising the step of monitoring for each financial company,

In step (c),

And performing a transaction approval on behalf of the financial company for each financial company based on a predetermined agency approval performance standard for the financial company if there are a plurality of financial company servers.
The method of claim 1,

In step (c),

If the transaction approval request is received from the merchant terminal determined that fraud is likely to occur based on the transaction approval history information, the card company comprising the step of performing the transaction approval on behalf of the financial company only for the request for approval of the predetermined amount limit; How to Provide Integrated Agency Approval Services.
The method of claim 1,

In step (c),

If the transaction approval request is received from the merchant terminal determined that the misuse is likely to occur based on the transaction history information, rejecting the transaction received from the merchant terminal, the card company integrated agency approval service providing method.
The method of claim 1,

In step (c),

When a transaction approval request is received from the merchant terminal, the transaction approval request amount information included in the received transaction approval request is checked to determine that the accumulated amount of the approval of the merchant including the requested transaction approval amount exceeds the merchant approval limit amount. If the request from the merchant terminal comprising the step of rejecting the transaction, the card company integrated agency approval service providing method.
The method of claim 1,

In step (c),

Irrespective of the monitoring, performing a transaction approval on behalf of the financial company at a time preset by the user, the card company integrated agency approval service providing method.
The method of claim 6,

The time preset by the user is,

Corresponding to the estimated transaction approval stop time of the financial company server previously calculated based on the received plurality of transaction approval information, card company integrated agency approval service providing method.
A transaction approval information receiving unit periodically requesting the financial institution server to transmit transaction approval information and receiving a plurality of transaction approval information from the financial company server;

A monitoring execution unit configured to derive monitoring data based on the received plurality of transaction approval information, and determine whether the derived monitoring data meets a predetermined agency approval performance standard;

A transaction approval unit performing transaction approval on behalf of a financial company during a predetermined agency approval application time when it is determined that the derived monitoring data through the monitoring meets the preset agency approval performance standard; And

And a proxy approval result transmission unit configured to transmit a proxy approval result to the financial institution server when the preset agency approval application time ends, thereby allowing transaction approval to be performed at the financial institution server.
The method of claim 8,

The monitoring unit, if there are a plurality of financial company server, performs the monitoring for each financial company,

The transaction approval unit, when there are a plurality of financial company servers, based on the predetermined agency approval performance criteria for each financial company, performing a transaction approval on behalf of the financial company for each financial company, card company server.
The method of claim 8,

The transaction approval unit,

If the transaction approval request is received from the merchant terminal determined that fraud is likely to occur based on the transaction approval history information, the card company server performs a transaction approval only on behalf of the financial company for the approval request of a predetermined amount limit.
The method of claim 8,

The transaction approval unit,

If the transaction approval request is received from the merchant terminal determined that the misuse is likely to occur based on the transaction history information, the card company server rejects the transaction received from the merchant terminal.
The method of claim 8,

The transaction approval unit,

When a transaction approval request is received from the merchant terminal, the transaction approval request amount information included in the received transaction approval request is checked to determine that the accumulated amount of the approval of the merchant including the requested transaction approval amount exceeds the merchant approval limit amount. If the card company server rejects the request received from the merchant terminal.
The method of claim 8,

The transaction approval unit,

Regardless of the monitoring, the card company server performs a transaction approval on behalf of the financial company at a time preset by the user.
The method of claim 13,

The time preset by the user is,

The card company server corresponding to the estimated transaction approval stop time of the financial company server calculated in advance based on the received plurality of transaction approval information.