KR20010008281A - Apparatus and method for utilizing many cards as one card - Google Patents

Abstract

Method and apparatus for using multiple cards as one card

The present invention provides a method for using a plurality of credit cards, an inspection card, a customer card as a single card, and a device by effectively controlling the use of the same effect and the use of the card as a device using all the multiple cards as a single card. There is an advantage in use.

Description

Method and apparatus for using multiple cards as one card

The present invention relates to a crime prevention and a device for using a plurality of cards as a single card.

Usually credit cards issue one card per issuer. So we usually have more than 3-4 cards per person. Including affiliate cards will increase the amount of cards you hold. When using a card, it is difficult to know exactly which card was used, when the payment was made, and how much was used.

Depending on the merchant, if you choose the cards well used, you can get cost savings and bonus benefits, but it is hard to know if the cards are not marked correctly. Also, when you use a card, you don't know the payment date exactly, so you make the mistake of using the card that comes back soonest. Cards are now a popular payment instrument, with all citizens having 3-4 cards or more. In this situation, effective management of the card becomes an essential requirement. I think it is effective to use all cards with one card for such effective management.

If you have a lot of cards, your wallet is heavy and you can leave it at home. Sometimes you may be embarrassed, not embarrassed, while trying to pay with a card that has been suspended from use. The solution to the various problems caused by the large number of such cards is the one card that allows one to decide how to use oneself. Here, the method of using various cards with one card is simply called a priority card selection using system.

One card plays all your cards and automatically sets the card in question not to be used as a payment card, so you don't use a card that you don't know. In addition, by using the card compared to the benefits when using the card of the merchant card can be used for efficient card operation.

In addition, when using the card, the card slip printed at the actual merchant can be the same card payment method as when you pay with a normal credit card, or you can pay for the card of the one card system company.

Therefore, the present invention can avoid the above case and can effectively use the card to control the use of the card through the Internet and the effect of carrying various cards in a single card.

The card does not matter whether you use the latest electronic card, general card or security card, and any card acts as a unique functional card, and the user selects and uses the most stable card such as a card with any function. It can increase the efficiency of use. The card issuing bank can also reduce the cost of issuing a high-quality card by cooperating with the subject of the present invention, and the same process as the general business at the time of card issuance can increase the cost or reduce the enormous cost required by issuing the card.

The present invention can control all of these things with a single card while effectively using several cards by controlling how to use multiple cards as a single card and how to use the cards.

The present invention relates to a credit card, and the prior art had to carry all the cards in order to receive the services of one bank company and the affiliated service in one card to receive the services of each card company. In addition, there is a card used to put all the contents in the electronic card and press a button, but it is not actually used because of the inconvenience in use due to lack of cost and terminal compatibility. In addition, to use the card, it is inconvenient to use it in consideration of the balance of the card in the head and the payment date service.

Accordingly, an object of the present invention is to use a plurality of cards as a single card, but when using the card, the connection method between the main host of the operator and the card company and the method of selecting and modifying the selection method of the multiple cards, determining the selection method, card after use Build and implement a system for approval.

1 is a system diagram of all processes processed when a user who owns a card or an affiliate card issued by the inventor's operating company uses the card.

2 is a processing system diagram when a user who owns a card or an affiliate card issued by the inventor's operating company wants to use the card and control the usage method.

Figure 3 shows the case when a user (high) who owns a card or an affiliate card issued by the inventor's operating company uses the card at an affiliated store (online or offline affiliated store) of a VAN (van) company and requests approval from the affiliated store. It is a process chart.

Figure 4 is processed when a user (customer) who owns a card or an affiliate card issued by the inventor's operating company uses the card at an affiliated store (online or offline merchant) of a VAN (van) company and requests approval from the affiliated store. It is also.

5 is a process when a user (customer) uses a card or an affiliate card issued by the inventor's operator in a merchant directly connected to the operator's operator.

Fig. 6 shows the processing process when a user (customer) uses a card or an affiliate card issued by the inventor's operating company at a bank card company connected to the inventor's operating company and a card device or affiliated store connected to the bank's operating company.

7 is a flowchart showing the priority processing procedure of the card by the priority card selection using system when the approval is divided into multiple cards when it is difficult to approve the selected card when using all the cards in one card.

Fig. 1 is a system diagram of all processes that are processed when a user who owns a card or an affiliate card issued by the inventor's operating company uses the card. When a card is used, whether it is an affiliate of a card company, an affiliate of a bank or an affiliate of another card company, the company that has a contract with the subject of the present invention sends the use information of the card and the information of the merchant to the main host of the present invention. The main host of the company analyzes the usage information, creates a card order, and selects the appropriate card for the merchant to request approval. In the case of a ban company, the ban company directly requests the bank card company for approval according to the contract, and if it is not approved, it informs the inventor's main host again to select another card for approval. If approved, the work is finished by notifying the merchant. If you are a merchant or a ban company that is contracted to provide information with your own authorization, the bank card company of the directly selected card will be requested for approval and the requesting company will be notified. If the authorization does not come with the first priority card, the next priority card will request the approval to the final card. If the final card is not approved, the rejection notice will be notified.

2 is a processing system diagram when a user who owns a card or an affiliate card issued by the inventor's operating company wants to use the card and control the usage method. The consumer connects to the main host by connecting to the main host of the operating company of the present invention through the Internet or a public telephone network (such as a terminal, a computer, a telephone, a mobile phone, a fax and a tele-operator, and a device and a tele-agent connected to the Internet). Inquiry and modification of personal information related to card company's personal card service provider and service provided by provider directly.Inquiry and correction of information, modification of personal information input to inventor main host's personal database, modification of credit card information input, It is a drawing of processing system that selects priority of each item based on pre-made data, and controls the priority selection when using a card by directly inputting, modifying, filling out items, and selecting cards.

When using a card, the method of using the card is different for each individual. Some people use the card as the center of payment, others use the service provided when using the card, and others use a single card intensively to raise the limit. It is not a problem, but it is not a problem. You may not be able to receive these benefits because you may be using the wrong card. However, when using the issuer's issuance card of the inventor, when the card use method is automatically selected, the card is used to compare the information of the present inventors with the information of the card company and select the card used at the merchant so that the card approval can be obtained. You can get

You can mix these conditions into several conditions to select a card that fits your needs (e.g., cards with more than 30 days left and the most used amount remaining, cards with the lowest discounted date at the merchant, etc.). You can also add card use preferences so that you can select the appropriate card when using the card. If you do not know the card limit or payment date, the bank card company connected to the host of the inventor can query or modify the information within the allowable range.

If you decide on the card priority by randomly selecting

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Credit card company

Samsung 100,000 2nd 20 Current 10-day home: 3rd

Kookmin Card 200,000 1st Priority Card Use 26 2nd Priority

Nonghyup visa 50,000 3rd priority 30 1st priority

If you select the maximum remaining amount as above, you will be approved by Kookmin Card first. If the payment is late, the Nonghyup visa will be approved first, followed by Kookmin Card and Samsung Card. Of course, even if a card is used or the date of payment changes after the date, the present host automatically changes the ranking so that the user can use it without any worry. If the 21st day is current, the 20th day of the Samsung Card will be automatically converted to the 1st place in the payment order. The order of payment amount is connected to the main host of the bank card company to check the remaining amount through the inquiry service to determine the priority.

Figure 3 shows the case when a user (high) who owns a card or an affiliate card issued by the inventor's operating company uses the card at an affiliated store (online or offline affiliated store) of a VAN (van) company and requests approval from the affiliated store. It is a process chart. Merchants will first request approval from VAN companies. The VAN company's main host checks which company's card this card is, and if the card is issued by the inventor's operating company or affiliated card, the inventor's main host is notified of the merchant information and the request for approval. Based on the priority card selection usage system, the card usage priority card of the N cards held by the priority card is made from the N priority card list, and the number of the card and information (card company, card number, and other necessary information) that are selected as priority is selected. The vendor will request the card company to approve the card company, and the card company will inform the van company of the approval. If the approval is not approved, the van company will inform the inventor's operating host that the approval was not approved and the operating host will use the card priority. Provide the next relevant card information in the list. Ban will make a request for approval to the card company, and if it is not approved, it will request all N cards in the rank-used card list by the above method. However, if the last N-th card is not approved, the inventor's operating host notifies that there are no more cards, and Ban tells the merchant that the last card is denied.

If the card vendor of any rank is approved by the card company, the van company notifies the operation host of the inventor of the approval result and notifies the merchant to the approval contents and finishes the work.

Figure 4 is processed when a user (customer) who owns a card or an affiliate card issued by the inventor's operating company uses the card at an affiliated store (online or offline merchant) of a VAN (van) company and requests approval from the affiliated store. It is also. Ban company notifies the owner host of the merchant information and the request for approval, and the inventor host host makes a list of priority cards based on the vendor information provided by the priority card selection system. Ask your bank card company for authorization. The card company notifies the inventor host of the approval result, and if it is not approved, it requests the bank card company to approve the next rank card and repeats it until it is approved. If even the last ranking card is not approved, it will notify the company that it has not been approved and it will notify the merchant.

If the card in any rank is approved, the owner host of the inventor notifies the company of the result of the approval, and the company ends the operation by notifying the merchant of the result.

5 is a process when a user (customer) uses a card or an affiliate card issued by the inventor's operator in a merchant directly connected to the operator's operator.

The merchant requests the card usage amount, and the main host of the inventor's operating company sets N card usage ranks registered in the priority card selection system, and requests the card of the first priority to the card company. The credit card company notifies the approval result, and if the inventor's operating company's main host is approved, the approval result is notified to the merchant and ends. If it is not approved, however, the card of the next rank is requested to the card company for approval. If the card is not approved to the next rank, N cards are notified.

FIG. 6 illustrates a processing process when a user (customer) uses a card or an affiliate card issued by the inventor's operating company at a bank card company connected to the inventor's operating company and a card device or affiliated store connected to the bank's operating company. After verifying the card, the bank card notifies the inventor's main operation host of the approval request, and the inventor's main operation host executes the priority card selection system to select the card and requests the bank's approval. In case of approval, the credit card information and authorization details are notified to the first bank card company, and the card company processes the approval (when requesting approval from the merchant, the merchant is notified to the merchant).

If it is not approved, ask the bank card company to approve the next ranking card again and if it is not approved, repeat the last card. If the approval is still not approved, the bank card company requesting the approval is notified and the card company notifies the result. If any card is approved in the middle, the card company that requested the approval is notified immediately, and the card company notifies the place where the request for authorization is requested.

7 is a method of being approved by a plurality of cards at the same time when one card is not approved by one card.

When a user who owns a card or affiliate card issued by the operating company of the present invention uses the card

In the event that the card approval of the first rank of the card approval stages of the card processing stages of Figs. 3, 4, 5, and 6 is rejected and notified to the operation host of the present invention, the operation host is denied. The card information of the highest priority (maximum amount-one-time payment, installment-and the reason for rejection) is requested by the van company information network or bank card company. The provided data is searched and stored in the personal database, and at the same time, the second rank card is requested for approval. If the approval is denied, the card information of the second rank is requested and provided again, and the card of the third rank is requested. If rejected continuously, the card information until the end is stored in the database. If the card approval of the final individual ranking card is denied, the amount requested for approval is divided into several cards by the limit amount of the card in the order that meets the conditions selected by the priority card selection using system when the approval is divided into multiple cards. A system that divides the card into credit card companies to purchase goods (services)

Example> When a customer (customer) pays 1 million won in installment

Card priority that meets the remaining card balance for each card

Nonghyup BC Card 500,000 won 5th place

4th place in the Axis Card BC 300,000 won

Ranked 3rd in KEB 200,000 won

National Card won 50,000 won

You can use multiple cards with one card, and you can use any security card developed. By using the security card's own security function as it is, you can reduce the card issuing cost by not using other cards with the same function, and you can adjust the order of card selection and priority card usage through the Internet, telephone, and tele-agent. In addition, by analyzing the information input from the merchant and card company banks to automatically use the card profitable when using the card can actually benefit a lot of users when using the card.

Claims (5)

When a user who owns a card or an affiliate card issued by the operating company of the present invention wants to use the card and control the usage method The consumer connects to the main host by connecting to the main host of the operating company of the present invention through the Internet or a public telephone network (such as a terminal, a computer, a telephone, a mobile phone, a fax and a tele-operator, and a device and a tele-agent connected to the Internet). Inquiry and modification of personal information related to card company's personal card service provider and service provided by provider directly.Inquiry and correction of information, modification of personal information input to inventor main host's personal database, modification of credit card information input, Select the priority of each item based on the pre-created data, and also directly enter, modify, add, and fill in the card selection priority items.If the card user uses the card, the priority card selection system allows the n card priority. Make a list, request card approval in order of priority, and if approved, approve Notification and ends the process. However, if the last priority card has not been approved, a system up to the process of notifying the requesting company of the reason for the unauthorized approval of the last card. When a user who owns a card or affiliate card issued by the operating company of the present invention uses the card When the card is used at the main host of the VAN company connected to the main host of the operating company of the present invention including the claim 1, and the merchant connected to the main host of the VAN company, the operating company of the present invention via the main host of the VAN company. Based on the information entered at the merchant, the card is selected and compared to the information given by the consumer, and the card is sent to the VAN company's main host, and the selected card is approved by the bank card company. If the request is made and the approval request is made, the merchant is notified of the result of the approval request to the merchant, and if the approval request is rejected, the contents are sent back to the main host of the management company of the present invention, excluding the priority process of the card, and the next priority Send the next card information to the main host of the VAN company to request the approval of the top card. If a request is made to the company and the approval is granted, the merchant is notified of the approval result. If not, it is notified again to the main host of the manager of the present invention. If the process is denied until the card with the last priority, the processing system sends a notification to the VAN company's main host and the VAN company's main host notifies the merchant. When a user who owns a card or affiliate card issued by the operating company of the present invention uses the card The VAN company's main host connected to the main host of the operating company of the present invention including claim 1, and the contents requested by the VAN company's main host through the merchants connected to the main host of the VAN company via the VAN company's main host. Based on the information entered at the merchant and connected to the main host of the management company of the present invention, the user selects the use card and compares it with the information of the priority given by the consumer, requests the use card directly to the bank card company, and has been approved. In the case of requesting approval of the selected card and the authorization, if the approval request is made, the main host of the merchant's VAN company is sent to the merchant. If the approval request to the bank card company from the main host of the management company of the present invention is approved, select the next priority card to request approval to the bank card company, and if approved again, until the approval is repeated, if approved The process of notifying the merchant the results of the approval request via the main host of the merchant's VAN company, and the processing system notifying that the approval was denied if the last card of the priority was not approved. When a user who owns a card or affiliate card issued by the operating company of the present invention uses the card When requesting the card approval from the affiliated store connected to the main host of the management company of the present invention including claim 1, the card is selected by the consumer prior to use in comparison with the information, and an authorization request is made to the bank card company of the card. If the approval request is received from the main host of the management company of the present invention, the card is notified of the card approval result to the merchant. If it is not approved, select the next highest priority card, request the bank card company to approve it, and if it is not approved, repeat it. If the approval is repeated, the merchant will be notified of the card approval result. Processing system that notifies the merchant of the result of the card rejection if the final card is not approved When a user who owns a card or affiliate card issued by the operating company of the present invention uses the card In the event that the approval of the first priority card in the card approval stage of claim 2, 3, and 4 is denied, and the notification is rejected by the management host of the present invention, the management host is denied the highest priority card information (maximum limit). The amount-one-time payment, installment-and the reason for the rejection) can be provided by requesting the vendor information network or bank card company. The provided data is searched and stored in the personal database, and at the same time, the second rank card is requested for approval. If the approval is denied, the card information of the second rank is requested and provided again, and the card of the third rank is requested. If rejected continuously, the card information until the end is stored in the database. If the card approval of the final individual ranking card is denied, the amount requested for approval is different according to the limit amount of the card in the order that meets the conditions according to the conditions selected by the user (maximum amount, priority selection, etc.). Approval system divided into cards Example> When a customer (customer) pays 1 million won in installment Card priority that meets the remaining card balance for each card Nonghyup BC Card 500,000 won 5th place 4th place in the Axis Card BC 300,000 won Ranked 3rd in KEB 200,000 won National Card won 50,000 won 2nd when LG Card stopped trading Order of payment request (maximum balance per card) -> Nonghyup BC Card 500,000 Won, Livestock Cooperative BC Card 300,000 Won, Foreign Exchange Card 200,000 Won Order of payment request when the customer's selection criteria are used by the card priority card -> Kookmin Card 50,000 won (LG card is the third priority because it stops trading),-> Foreign Exchange Card 200,000 won,-> Livestock Cooperative BC Card 300,000 won,-> Nonghyup BC Card 450,000 won In addition, it is possible to select a combination of conditions such as a late payment date, a late payment date, and a high usable amount.