KR20020006182A - Method of integrally managing and using a plurality of credit cards - Google Patents

Abstract

It is an object of the present invention to construct a system that can access a number of cards possessed by an individual to a mobile terminal or a credit card terminal by embedding a function for accessing the system in place of each credit card possessed by an individual. The purpose is to integrate / use / manage a portable terminal.

The present invention stores the card information and personal information owned by the user in the database at the request of the user, and attaches a function for accessing the information related to the portable terminal or the credit card terminal to the user transactions By providing the user's information to each card company and sharing the provided information with each card company, the user can conveniently use all kinds of cards reported to the card information host company using the Internet or a portable terminal.

Description

Method of integrally managing and using a plurality of credit cards}

The present invention stores the personal information provided at the request of the user at the card information host company and the identification information for each card type issued from each card company in a database, and the user is issued a user unique unique identifier. The present invention relates to a plurality of credit card integrated management and use methods that can effectively manage the termination or use of all affiliate cards by informing the card information organizer of a user's unique identifier by a simple procedure when purchasing or losing an item. .

In general, the user can be issued by the credit card from the card company as needed, if necessary, and the business that purchased the goods when using the issued card can be paid by the card when registered as a merchant in the card company.

The system of paying by card instead of cash allows the user or merchant to easily purchase goods by paying with a card without having to carry a lot of cash required for the purchase in a very convenient payment method.

However, as the card types are diversified, the number of cards to be possessed increases, and such a large number of cards are usually stored in a wallet. If the wallet is lost, it is troublesome to report the loss of the card to each card company one by one.

It is an object of the present invention to construct a system that can access a number of cards possessed by an individual to a mobile terminal or a credit card terminal by embedding a function for accessing the system in place of each credit card possessed by an individual. The purpose is to integrate / use / manage a portable terminal.

The purpose of this purpose is to store all the card information and personal information owned by the user in the database at the request of the user and to give the user a unique identifier to access the related information. By providing the user's information to the card information host and sharing the user's information with each card company, the user can conveniently use all types of cards reported to the card information host using a mobile terminal and the Internet. By providing an integrated credit card system.

1 is a system schematic according to the present invention;

2 is a flow chart for explaining a method of assigning and using a single unique identifier according to the present invention.

Explanation of symbols on the main parts of the drawings

10: customer client system 20: server system

30: card company client system 40: merchant client system

The single unique identifier disclosed by the present invention records the card type and personal identification information held by the client in the database of the card information organizer, and the client receives a single unique identifier that can access the information. The present invention describes a system and method for making payment on behalf of a credit card through a portable terminal and the Internet.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. 1 is a schematic diagram for using a single unique identifier disclosed in the present invention. As shown, the present invention includes a card client, a card information organizer, a card merchant and a card issuing card company, where the card information host and the card company need to share information with each other, and the merchant, card information organizer, and card company The service provides a quick service for payment through the mobile terminal and the Internet by confirming and notifying at least information about the card requestor in real time.

The present invention consists of a computer network connected through the communication coupling of a large number of client systems 10, 30 and server system 20. The connected computers exchange information by using various services such as web pages and e-mail, and the integrated card payment system according to the present invention provides realistic information such as membership registration and performance verification at the request of the applicant client system 10. It includes a server system 20 for transmitting through a web page.

The server system 20 stores a plurality of secured member information, provides their factual information to the client system 10 by the portable terminal and the Internet communication, and provides the information requested by the merchant client system 40. By the start of the integrated card payment system.

Here, the applicant client system 10 connected through the portable terminal and the Internet may request a web page and an integrated card usage information according to the issue of a single unique identifier, and the merchant stores the terminal and the portable terminal provided in the affiliate client system 40. Through the connection with the server system 20 of the card information controller through the payment can be made.

The server system 20 builds a server engine, web pages, and various databases. The server engine 21 receives the protocol requesting to access the webpage identified by the URL and provides the webpage to the client system 10.

The WEB server 22 displays a web page provided to the client for receiving a single unique identifier on the screen of the client using a browser.

The user sends a request to the server system 20 to send the document defining the web page to the client system 10 using the browser to display the web page. In the client system 10, upon receiving the requested document, the browser presents a web page defined in the Internet language.

The server engine 21 is connected to various card company client systems 30, and further requests confirmation of card information and credit information provided by the client and approval of card settlement, and based on this, the card company client system 30 is authorized to the merchant. The integrated card service presented by the user is started by providing information in real time.

The server system 20 includes a web server 23, the web server 23 is a web page stored in the web database 26 in the client system 10 of the applicant to access the website provided by the server system 20 Send it.

The server system 20 includes a charge accumulation server 24 which transmits information on a member's usage performance to the client system 10 by the selected search request information transmitted from the client system 10, and accumulates the charge accumulation. The server 24 controls the mail server 25 to transmit the member's information stored in the charge accumulation database 27 to the applicant who requested the information using wired / wireless communication such as electronic mail, fax, and portable terminal.

The server system 20 includes a member database 28 that stores the secured member list information, which stores private information about the member. For example, it is information about a member's password and the type of card owned.

The information stored in the web database 26 and provided by the web page presents a procedure for obtaining a single unique identifier and a defined method for requesting information about the use of the integrated card.

The integrated card payment system transmits a request for information presented by the member to the web server 23 supporting the web page, and sends the web page to the client system 10 when the web server 23 receives the request. do. When the client system 10 receives the web page, it typically displays the web page using a browser.

Figure 2 illustrates in detail the method of use and termination using a single unique identifier of the present invention.

Referring to the drawings, in order to obtain a single unique identifier, the sponsor may request the card information host through various methods, that is, online or offline. For example, the card information controller establishes a server system 20, and a client who requests a website or ARS system provided by the server system 20 includes a client terminal 10 such as a portable terminal, a landline telephone, or a P / C. It is possible to register as a member by accessing through (S11) and transmitting information on the client's personal information, the type of credit card, etc. according to the information recording method included in the web page or the ARS system (S12).

Clients who issue a single unique identifier that connects to the World Wide Web (WWW) through the Internet find the information they want and receive a web page. The card information organizer, who is the website operator, can provide information through a client system to a single unique identifier issuing client requesting his page and display banner advertisements on the web page.

The method of accessing the Internet can be connected by a method provided by a modem, x-DSL, leased line, and various other technologies. The ARS system can be connected by using a wired / wireless telephone and a P / C. The user requests a web page which is a document of a website provided by the server system 20 or a document which can be read and interpreted by a web browser in order to obtain desired information.

The server system 20 transmits the received member's information to each card company client system 30 to check the card affiliate office of the member (S13), and the received member information is received at each card company client system 30. The card company member authentication information is searched and transmitted to the server system 20 (S14), and the server system 20 stores the authentication information transmitted from each card company client system 30 in the member database 28 ( S15), and issues a single unique identifier that can substitute a card company's card certified by the member (S16).

The member database 28 stores member information registered as a member, and stores information of a new member, and the stored information includes a member's unique number. By issuing this unique number as a single unique identifier, the uniqueness of the member is guaranteed, and the member can confirm the registration with this unique number.

A unique unique identifier is a unique unique number that can replace all the information related to the card held by the member. This unique number can be substituted for all cards, and if the card is lost, the card information controller can be notified by various means. The card may be suspended or terminated.

The user can purchase the goods or use them as cash substitutes by presenting a single unique identifier given through the mobile terminal and the Internet and performing the verification procedure.

The card merchant secures a terminal capable of issuing a receipt for authenticating the user's usage history and authenticates the user's information through a real-time information exchange with the card company through a card information controller through a portable terminal presented by the user or the Internet. This information can be used to service the card user by credit.

That is, when a user purchases an item and accesses the server information server system of the card information host using the user's portable terminal or the client system of the card merchant, the server system (authentication information authentication for the single unique identifier) is presented. 20) (S17-S18), and the server system 20 transmits the information on the card type that can be used through a single unique identifier to the merchant client system 10 or the portable terminal (S19).

When the affiliated client system 10 or the portable terminal confirms a single unique identifier authentication and requests the server system 20 for authentication of the type and password of a card to be used (S20), the server system 20 sends a password of the corresponding card. After checking the user's social security number to the card company client system 30 request for the fact information (S21), and receives the user's card information from the card company client system 30, the merchant client system 10 or portable If the card information of the user is transmitted to the terminal and the user selects the card number and amount, and the merchant code again (S22), the server system 20 sends the card company client system 30 of the card. If the request for approval of the fact information, and receives the approval information from the server system of the card company client system 30 (S23), this information After storing the information in the charge accumulation database 27, the information on the card number, the amount and the authorization number is transmitted to the merchant client system 10 or the portable terminal, and the card usage history is registered in advance by the merchant code. By issuing a receipt (S24) by sending to the issuing terminal is a transaction is made according to the purchase of goods.

Since the card information organizer is connected to various card companies, and the card merchant also has affiliated alliances with various card companies, a single unique identifier representing the user's information can present various types of cards registered to the card organizer. The user makes a transaction by paying for the card company by selecting a card type, and at the same time, the card owner makes a profit by billing the fee with the card company.

The present invention can be notified to the card information organizer when the card is lost and can be terminated or temporarily stopped for each lost card.

To cancel or stop the card, access the website provided by the server system or the ARS system in the same way as the card registration described above, and select the link about the card cancellation and stop on the web page or the voice information provided by the server engine. Alternatively, the information is provided by text or voice according to the information provided by the ARS system. The client system transmits this information to the server system, and the card information manager notifies each card company of the card termination and suspension information. Card loss can be reported very simply by the card information organizer stores it in the database and provides this information when requested by the user and the card company.

In addition, the card user can look up the card performance through the web page or voice information, the card performance used by the user is accumulated in the member card usage database of the card information organizer, the user can use the website or It can be checked by connecting to ARS system.

Such a method can be processed through a portable terminal or P / C, but the RF CHIP or RF READER is installed in equipment such as a portable terminal, a credit card terminal, and a receipt printer to share information with each other. Credit card terminals or receipt printers can be handled both wired and wireless.

Although the above methods disclose a transaction relationship between an individual and a card information controller, the payment of a site manager who operates an e-commerce transaction on the Internet may be performed in the same manner as described above through the card information controller.

While the present invention described above describes a single unique identifier using a portable terminal or the Internet, and using the same, and canceling and stopping when lost, the present invention is not limited thereto, and the single unique identifier may be applied by telephone. It can be terminated, and moreover, the cardholder can be provided with cyber money according to the performance of the cardholder, and the member can use the cybermoney to exchange cash with a certain rate or transfer / transfer between members.

As described above, the present invention registers information on the type of card possessed by an individual in the database of the card information organizer and is issued a single unique identifier that can use the same, and the client of the portable terminal or affiliated store possessed by the individual. By accessing the server of the card information controller through the terminal, the unique identifier issued by the terminal is authenticated, and information is shared with each card company associated with the card information controller through the terminal to make a payment as usual. Through this, the security can be further enhanced, and all kinds of cards owned by an individual can be used by using a portable terminal owned by an individual or a P / C installed at an affiliated store without having to carry several cards.

In addition, if a card is lost, the card company can be notified by canceling the use of the card without losing the use of the card.

Claims (13)

A) Under the control of the member client system, a) transmitting a unique unique identifier request information for transmitting the information necessary for the member to be issued a unique unique identifier to the server system; B) under the control of the server system by a single unique identifier request of said member client system, a) receiving the single unique identifier issuance request information at the member client system; b) identifying a member through the received unique unique identifier issuance request information, and if the new member is a new member, retrieving previously stored additional information for the identified member; c) transmitting the received member's information to each card company client system to confirm the member's card affiliate office; C) under the control of each card company client system, a) receiving information of the member transmitted from the server system; b) retrieving the received member information and transmitting card company member authentication information to the server system; And D) storing the authentication information transmitted from each card company client system, and issuing a single unique identifier that can substitute a card company's card authentication to the member; Integrated management method of multiple credit cards by a single unique identifier, characterized in that the card issued by each affiliate card company integrated management through a single unique identifier. The method of claim 1, wherein the single unique identifier issuing request information is transmitted and received to the server system by wireless communication. The method of claim 2, wherein the single unique identifier issuing request information is voice information through a portable terminal. The method of claim 2, wherein the single unique identifier issuing request information is text information through a portable terminal. The method of claim 1, wherein the single unique identifier issuance request information is transmitted through a wired communication. [6] The method of claim 5, wherein the single unique identifier issuing request information is text information through the Internet. The method of claim 1, wherein the information associated with the single unique identifier is a subscriber unique number. The method of claim 1, wherein the single unique identifier is stored in an RF chip and embedded in a plastic card. The method of claim 1, wherein the single unique identifier is stored in an RF chip and embedded in the portable terminal. A) When the purchaser requests the payment to the portable terminal or merchant client P / C using the single unique identifier after purchasing the goods, the portable terminal or merchant client P / C transmits the single unique identifier to the server system. step; B) transmitting, to the affiliated store client system, the affiliated card company information that can use the personally held card information stored in the database and the information that can identify the member after recognizing the single unique identifier in the server system; C) confirming the identity of the user through a password accepted by the portable terminal and the merchant client system; D) requesting authorization by transmitting the affiliate card company selected by the user and the price information of the goods to the server system; And E) the server system transmits the payment information to the card company client system request for approval, and transmitting the authentication authentication information transmitted from the card company client system to the affiliated store client system; including, Method for using an integrated card having a single unique identifier, characterized in that the purchase of goods by substituting a card issued by each affiliate card company with a single unique identifier issued. 11. The method of claim 10, further comprising the step of suspending and terminating affiliation with each affiliate card company by transmitting a single unique identifier to the server system. 11. The method of claim 10, wherein the use history of the card used by the single unique identifier is accumulated in the database of the server system, and the user can query the accumulated card usage performance by presenting the single unique identifier. Integrated card using a single unique identifier characterized in that. A) Under the control of the member client system, a) transmitting the unique unique identifier issuance request information for transmitting the information necessary for the member to be issued a unique unique identifier to the server system; B) under the control of the server system by a single unique identifier issuance request of the member client system, a) receiving the single unique identifier issuance request information at the member client system; b) identifying a member through the received unique unique identifier issuance request information, and if the new member is a new member, retrieving previously stored additional information for the identified member; c) transmitting the received member information to each card company client system to confirm whether the member is a member; C) under the control of each card company client system, a) receiving information of the member transmitted from the server system; b) retrieving the received member information and transmitting card company member authentication information to the server system; D) storing the authentication information transmitted from each card company client system, and issuing a single unique identifier that can substitute the card company's card authentication in the member; E) transmitting a single unique identifier to the server system under the control of a portable terminal or a merchant client when requesting payment using the single unique identifier after purchasing the article; F) transmitting, to the affiliated store client system, the server system to recognize the single unique identifier and to confirm the membership and the affiliate card company information available to the single unique identifier to the server system; G) requesting approval by transmitting the affiliate card company information, the item price information, and the affiliate store code selected by the user of the single unique identifier to the server system; And H) transmitting the payment information to the card company client system from the server system to request the approval, and transmitting the card company approval authentication information to the merchant client system; The merchants integrated management and use of multiple credit cards, characterized in that for transferring the goods to the buyer based on the information transmitted from the server system.