KR100783770B1 - Method of providing a service for changing a lump-sum payment to an installment payment of a credit - Google Patents

Abstract

According to the present invention, when a lump sum payment request for purchase of goods and services using a credit card is received by a credit card company system through a communication network, the lump sum payment is made using communication information of a corresponding credit card customer previously stored in the credit card company system. A first step of guiding the conversion of credit settlement to split credit settlement; When a request for the conversion of the lump sum credit settlement to the partial credit settlement is received from the customer who received the request to convert the lump sum credit settlement to the partial credit settlement in the first step through the communication network, the lump sum credit settlement is divided into the partial credit settlement. It provides a method of providing a credit card payment change configured, including a second step of switching.

Credit card, payment change

Description

How to provide credit card payment change service {METHOD OF PROVIDING A SERVICE FOR CHANGING A LUMP-SUM PAYMENT TO AN INSTALLMENT PAYMENT OF A CREDIT}

1 is an overall configuration diagram of a system to which a credit card payment change providing method according to a preferred embodiment of the present invention is applied;

2 is a flowchart illustrating a credit card payment change providing method according to a preferred embodiment of the present invention.

<Description of Symbols for Main Parts of Drawings>

10: card terminal 20: customer personal computer

30: Internet shopping mall management server 40: card company VAN server

50: split payment management server 60: split payment database

70: gateway 80: interworking function

90: short message center (SMSC) 100: mobile switching center

110: base station 120: customer mobile phone

The present invention relates to a method for providing a credit card payment change, and more particularly, when a payment is made in lump sum by a credit card for goods and services, the lump sum payment is divided using a payment confirmation short message provided to the mobile phone of the customer. The present invention relates to a method of providing a credit card payment change that enables the payment to be changed.

As credit cards are becoming more common, payments for goods and services are rapidly increasing with credit cards instead of cash. Such credit card payments are increasing not only in offline payment but also in online payment.

In such a credit card payment, if the customer wants to make a partial payment after making a lump sum payment, he or she must cancel the previous lump sum payment slip at the payment site and change it back to installment payment, or after that time, contact the credit card company There is a hassle and inconvenience, such as the need to change to the installment payment through a complicated process.

Accordingly, the present invention has been made in view of the above-described conventional circumstances, and when the payment is made in lump sum by a credit card for goods and services, the partial lump sum payment is simply divided by using a payment confirmation short message provided to the mobile phone of the customer. The purpose is to provide a credit card payment change providing method that can be changed to.

In order to achieve the above object, the credit card payment change providing method according to the present invention, when a lump sum credit payment request for the purchase price of goods and services using a credit card is received by the credit card company system through the communication network, A first step of guiding the conversion of the lump sum credit settlement to the partial credit settlement using the previously stored communication information of the credit card customer; When a request for the conversion of the lump sum credit settlement to the partial credit settlement is received from the customer who received the request to convert the lump sum credit settlement to the partial credit settlement in the first step through the communication network, the lump sum credit settlement is divided into the partial credit settlement. And a second step of switching.

In addition, the credit card payment change providing method according to the present invention in order to achieve the above object, if a lump sum credit payment request for the purchase price of goods and services using a credit card received by the credit card company system through a communication network, the credit The card company system includes a first step of providing the customer information and the corresponding payment information corresponding to the credit payment request to the divided payment management server; The second payment management server guiding the conversion of the lump sum credit payment to the partial credit payment using the communication information of the credit card customer included in the received customer information; When the request for the conversion of the lump sum credit settlement to the partial credit settlement is received from the customer receiving the notification of the conversion of the lump sum credit settlement to the partial credit settlement in the second step through the communication network, the partial payment management server receives the lump sum payment credit. And a third step of requesting the credit card company system to convert the payment into a partial credit settlement.

Hereinafter, with reference to the accompanying drawings will be described in detail a credit card payment change providing method according to a preferred embodiment of the present invention.

1 is an overall configuration diagram of a system to which a credit card payment change providing method according to a preferred embodiment of the present invention is applied.

First, in the following description, a credit card customer subscribes to a service for receiving a payment confirmation text message on a customer's mobile phone every time a card member registers or pays a credit card after the subscription. Assume that the number is stored.

In the system to which the present invention is applied, the card terminal 10 is installed in the merchant of the credit card, and when the customer purchases goods and services and pays with the credit card, the card information stored in the card and the merchant are inputted. Payment information (purchase price, installment and installment months, etc.) and unique information stored in the card terminal is transmitted to the card company VAN server 40 through the data communication network.

The customer personal computer 20 may be used for, for example, driving a web browser to access the Internet to purchase goods and services in a home shopping mall. The Internet shopping mall management server 30 is a server that manages the Internet shopping mall as a whole, and performs server management, product management, delivery management, and payment management. The card company VAN server 40 is a server operated by a card company. Responsible for payment management and customer credit management.

Split payment management server 50 is a server that performs the most important role in the present invention, when the customer pays a lump sum with a credit card after purchasing a product offline or online, the payment information is the card company VAN server 40 When the card is transferred to the VAN server 40, the card company's VAN server 40 includes the customer's information (the customer's mobile number, credit information, etc.) and payment information (the amount of payment, the merchant's information, the payment date, etc.). ), Using the customer's mobile phone number, if you are willing to split the lump sum payment with the payment guide that informs you that the lump sum credit purchase was made at the merchant at the payment date on the payment date The gateway 70 and the network transmit a callback short message transmission request for sending a callback short message (SMS) to call back. Mediate the same apparatus (IWF) (80) will be sent to the short message center (SMSC) (90). After the callback short message is transmitted to the mobile phone of the customer, when the split payment management server 50 makes a split payment request by a specific key manipulation indicated in the short message according to the needs of the customer, the callback return short message is short. When received via the message center 90, the corresponding customer information, the customer's payment information, and the received partial payment information are converted into a database and stored in the partial payment database 60 in order to change the credit card to the partial payment for the purchase. At the same time, the divided payment information is transmitted to the card company VAN server 40 to change the lump sum payment of the corresponding customer to the divided payment so as to be processed.

Here, the callback short message transmitted to the customer's mobile phone preferably includes a key operation guide message and an interest rate according to the split payment when the split payment request is requested. 1 ", the number of split months (up to 36 months), press" 00 ", then press the" * "key and the" SEND "key." By operating the key of, the callback return message for the corresponding callback short message is sent. In this case, the callback return message may include the mobile phone information of the customer, the called party information (ie, the divided payment management server), the divided payment OK information, the divided month information, and the like.

Another example of the key operation guide message is when the authentication information is included for customer authentication. If the user wants to make a divided payment, press "1", the number of divided months (up to 36 months) "00", and then press the "*" key. Press the 13 digits of the customer's social security number in sequence and press the "*" key and then the "SEND" key. " A callback return message is sent for the short message. In this case, the callback return message may include the mobile phone information of the customer, the called party information (ie, the information of the divided payment management server), the divided payment OK information, the divided month information, and the resident registration number as the customer authentication information.

Upon receiving the callback return message, the divided payment management server 50 acquires "customer's mobile phone information, divided payment OK information and divided months information" as the divided payment information and requests a change to the partial payment for a lump sum payment. Whether the callback return message is from a legitimate customer, for example, using the social security number as the customer authentication information.

Customer mobile phone 120 is a configuration that can send and receive a short message with a voice call through a mobile communication network.

The divided payment database 60 stores personal information (for example, name, social security number, mobile phone number, etc.) and payment information (payment amount information, interest rate, split month information, purchase product information, etc.) of the customer (purchaser) using the divided payment service. Etc.) is stored in a database.

The gateway 70 converts packet data into circuit data and vice versa, and is configured for data conversion in a mobile communication network and a wired communication network, and an interworking function (IWF) 80 is a mobile communication network and a wired communication system. It is a data device for interfacing data between communication networks, and is a data device for connecting a mobile communication system, a public telephone network (PSTN), and the Internet. The short message center (SMSC) 90 transmits a requested short message (SMS) to a destination. It is the configuration in charge of the function.

A method of providing a credit card payment change service according to a preferred embodiment of the present invention in the system configured as described above will be described with reference to FIG. 2. In the following description, for the sake of simplicity, only the case where a customer makes a payment using a credit card to purchase a product and a service offline, but a credit for the customer to purchase a product and service online in an Internet shopping mall The same applies to the case of paying with a credit card or by paying a credit card information to a receptionist by key input or voice to purchase a product or service using a telephone.

In FIG. 2, when a customer makes a payment using a credit card in order to purchase a product or service offline, the credit card information of the customer is read by the merchant's card terminal 10 and input at the merchant. Payment information such as payment amount and installment, installment month number and lump sum are transmitted to the credit card company VAN server 40 through the data communication network together with the read credit card information and merchant information stored in the card terminal 10 ( Step S1).

When the credit card company VAN server 40 receives payment information, credit card information, and merchant information through a communication network, the credit card company VAN server 40 approves the corresponding credit settlement using the credit card information and payment information in consideration of the member's credit status and credit limit. If there is no problem after determining whether to make a decision, the payment information, credit card information, and merchant information are stored in a database not shown, and the payment approval information for the credit settlement is transferred to the card terminal 10 of the merchant through the data communication network. Transmit (step S2). Accordingly, the card slip is printed out at the corresponding card terminal 10.

Thereafter, the VAN server 40 of the credit card company checks the payment information for the approved credit payment to determine whether it is a lump sum payment or an installment payment, and in the case of an installment payment, the credit card information corresponding to the credit payment (eg, For example, using the mobile phone number of the customer, which is already stored in the database (not shown) using the card number), the payment guide text message that indicates that the installment credit purchase was made at the payment amount at the merchant at the corresponding payment date. The short message transmission request for sending is transmitted to the short message center (SMSC) 90 via the gateway 70 and the network interlocking device (IWF) 80 (step S4). Accordingly, the short message center 90 transmits the payment guide text message to the mobile phone 120 of the corresponding customer via the mobile switching center 100 and the base station 110 (step S5).

On the other hand, if it is confirmed in step S3 that the approved credit payment is a lump sum payment, customer information (customer name, mobile phone number, etc.) corresponding to the credit payment, payment information (payment amount, approval date, payment date, merchant) Information, etc.) are read from the database and transferred to the divided payment management server 50 (step S6).

The divided payment management server 50 receives the customer information (customer name, mobile phone number, etc.), payment information (payment amount, approval date, payment date, merchant information, etc.) corresponding to the corresponding credit payment to receive the corresponding mobile phone number of the customer Callback to call back by using a specific key operation if you are willing to make a partial payment with the payment guide that informs you that one-time credit purchase has been made at the relevant payment amount at the relevant payment date. A callback short message transmission request for sending a short message (SMS) is transmitted to the short message center (SMSC) 90 via the gateway 70 and the network interworking device (IWF) 80 (step S7). Accordingly, the short message center 90 transmits the payment guide and the split payment switching guide text message to the mobile phone 120 of the corresponding customer via the mobile switching center 100 and the base station 110 (step S8).

After the callback short message is transmitted to the mobile phone 120 of the corresponding customer, if a partial payment request is made by a specific key manipulation displayed on the short message according to the needs of the corresponding customer, the callback return short message is a short message center (90). Via the divided payment management server 50 is received (steps S9 to S10).

Here, the callback short message transmitted to the customer's mobile phone preferably includes a key operation guide message and an interest rate according to the split payment when the split payment request is requested. 1 ", the number of split months (up to 36 months), press" 00 ", then press the" * "key and the" SEND "key." Manipulating the keys on the phone sends a callback return message for the callback short message. In this case, the callback return message may include the mobile phone information of the customer, the called party information (ie, the divided payment management server), the divided payment OK information, the divided month information, and the like.

Another example of the key operation guide message is when the authentication information is included for customer authentication. If the user wants to make a divided payment, press "1", the number of divided months (up to 36 months) "00", and then press the "*" key. Press the 13 digits of the customer's social security number in sequence and press the "*" key, then press the "SEND" key. " A callback return message is sent for the short message. In this case, the callback return message may include the mobile phone information of the customer, the called party information (ie, the information of the divided payment management server), the divided payment OK information, the divided month information, and the resident registration number as the customer authentication information.

The divided payment management server 50 obtains "customer's mobile phone information, divided payment OK information, divided month information" as split payment information from the received callback return message, and determines which payment is requested to be divided into partial payments. And confirm whether the callback return message is from a legitimate customer using, for example, a social security number as customer authentication information.

Subsequently, the payment management server 50 divides the credit card company's VAN server into the payment change request information (including "customer's mobile phone information, partial payment OK information, divided month information", etc.) to the partial payment for the lump sum payment. 40 is requested (step S11).

Accordingly, the credit card company VAN server 40 checks the request information according to the corresponding payment change request, changes the payment information for the lump sum payment previously stored in the database to partial payment, updates the database, and then changes the payment. The approval information for the transfer to the divided payment management server 50 (step S12).

The split payment management server 50 having received the payment change approval information transmits a short message transmission request for sending a payment change approval guide text message indicating that the corresponding payment change request has been normally approved. IWF) 80 is transmitted to the short message center 90 (step S13). Accordingly, the short message center 90 transmits the payment change approval guide text message to the mobile phone 120 of the corresponding customer via the mobile switching center 100 and the base station 110 (step S14).

Meanwhile, in the above specific embodiment, the guidance and procedure for converting the lump sum credit payment to the partial credit payment is performed by using the mobile phone short message of the customer, but the present invention is not limited thereto. The voice guidance (ARS) service may be used to provide instructions and procedures for converting a lump sum credit payment into a partial credit payment through a mobile phone or a regular telephone.

On the other hand, the divided payment server may be operated directly by the card company, or may be operated by a company affiliated with the card company, in this case, if the customer converts the lump sum credit payment to the credit split payment, operating the split payment server at that time The company may pay the customer's payment in a lump sum to the card company, and then allow the installment server operator to collect the principal and interest (installation fee) that the customer repays in installments. In this case, the credit company's credit risk is no longer a bad loan, and the cause of the company's insolvency can be eliminated while maximizing profit, and the division payment server operator is building a separate customer credit database. After carefully analyzing the customer's credit from a separate credit management company, it is possible to convert the lump sum credit into a partial installment and collect high interest rates (intersection fees).

On the other hand, in the above specific embodiment, the customer's resident registration number is input as the customer authentication information. However, the present invention is not limited thereto, and a specific code (password) previously registered by the customer may be input.

On the other hand, the present invention is not limited to the above-described specific embodiments can be carried out by various modifications and modifications within the scope not departing from the gist of the present invention, the modifications and modifications in the appended claims If included, it is obvious that it belongs to the present invention.

As described above, according to the present invention, by allowing a customer to make a partial payment of a lump sum payment by using a credit card, according to the customer's needs, the customer splits after a lump sum credit payment. To change to payment, you have to cancel the previous one-time payment slip at the payment site and change it to installment payment, or after a while, you need to contact your credit card company to change to installment payment through various complicated procedures. It is possible to completely eliminate the inconvenience and discomfort.

In addition, even if the card company wants to switch to a credit installment payment after a lump sum credit settlement, it is possible to induce a relatively high rate of credit card split payment for customers with good credit who have adhered to the lump sum payment due to the hassle and inconvenience. As a result, profits from high interest rates can be maximized.

Claims (12)

delete delete delete delete delete delete Claims [1] A method of providing a credit card payment service in which a lump sum payment request of a card terminal for a purchase price of goods and services is approved by a card company's VAN server and the payment is made. After the payment is completed in the card company VAN server, the first step of transmitting the customer information and the corresponding payment information of the card customer who made a lump sum payment request from the card company VAN server to the divided payment management server; A second step of generating a call back text message for guiding the conversion of the lump sum credit payment to the partial credit payment by using the communication information of the customer received by the division payment management server and transmitting it to the customer mobile communication terminal; A third step of transmitting a change signal for split credit payment to the credit card company VAN server by the split payment management server receiving the request signal for split credit payment transmitted from the customer mobile communication terminal; A fourth step of changing the payment information of the customer who has completed payment in the card company VAN server to update the database by transmitting the payment change request approval to the divided payment management server; And And transmitting a message informing the payment change approval from the split payment management server to the mobile communication terminal of the customer. delete The method of claim 7, wherein The callback text message includes a key operation method for confirming that the user wants to divide payment and a key operation method for inputting the number of months of split payment. The text message for the request for the conversion of the lump sum credit settlement to the partial credit settlement generated by the key operation method includes information indicating that the customer wants to make the partial settlement, and information on the number of divided months. How to provide a card payment change service. The method of claim 7, wherein The callback text message includes a key operation method for confirming that the user wants to divide payment, a key operation method for inputting the divided month number of the divided payment, and a key operation method for customer authentication. The text message for the request to convert the lump sum credit payment to the partial credit payment generated according to this key operation method includes information indicating that the customer wants the partial payment, the number of the divided months, and the customer authentication information. Method of providing a credit card payment change service characterized in that. The method of claim 10, The customer authentication information is a credit card payment change service providing method, characterized in that the customer's social security number or a specific code registered by the customer. The method of claim 11, The split payment management server checks the authentication information of the corresponding customer when receiving a text message requesting the switch to the partial credit payment of the lump sum credit payment as the customer manipulates the key according to the guide text of the callback text message. And requesting the card company's VAN server to convert the lump sum credit payment into a partial credit payment according to a verification result.

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