KR20170142823A - Method for producing overseas payment service connecting domestic card and card company server performing the same - Google Patents

Method for producing overseas payment service connecting domestic card and card company server performing the same Download PDF

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KR20170142823A
KR20170142823A KR1020160130025A KR20160130025A KR20170142823A KR 20170142823 A KR20170142823 A KR 20170142823A KR 1020160130025 A KR1020160130025 A KR 1020160130025A KR 20160130025 A KR20160130025 A KR 20160130025A KR 20170142823 A KR20170142823 A KR 20170142823A
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card
foreign
payment
overseas
settlement
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KR101910915B1 (en
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최강민
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비씨카드(주)
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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Abstract

According to an embodiment of the present invention, provided is a method for providing an overseas payment service, which is a method for providing an overseas payment service linked with a domestic card by a card company server, comprising: (a) a step of mapping, when a request for issuing an overseas card is received from a user terminal, domestic card information of a user and a predetermined international card number; (b) a step of determining whether to approve payment when a payment approval request through the generated international card number is received from an overseas affiliated store terminal; and (c) a step of transmitting a payment approval result to the overseas affiliated store terminal when the payment approval is completed, and supporting the charge including the amount of payment approved to the international card number when the amount of payment is charged to the domestic card. Therefore, it is possible to provide convenience to users in the use of an overseas payment service.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method for providing an overseas settlement service in connection with a domestic dedicated card,

The present invention relates to a method of providing an overseas settlement service in connection with a domestic exclusive card and a card issuer server performing the method. More particularly, the present invention relates to an overseas payment card number or a temporary payment card for overseas payment, Since the payment amount is charged to the card for domestic use, it is not necessary for the user to prepare or carry a separate card for overseas payment. Therefore, the method of providing the overseas payment service linked with the card for domestic use And a card issuer server for performing the same.

Recently, as overseas travelers have increased and travelers have been purchasing goods overseas, a growing number of travelers are trying to purchase goods while traveling through credit cards.

However, in overseas settlement services provided at present, when a consumer wants to purchase goods, it is required to obtain a card that can be paid abroad before departure, and payment can be made only if the card is carried.

In addition, since the payment can be made only by a card capable of overseas settlement, it is impossible to settle a payment using an existing domestic card when traveling abroad. Therefore, a consumer who does not have a card capable of overseas settlement must additionally issue a card There is an inconvenience.

Accordingly, there is an increasing demand for a system for enabling an overseas settlement service to be available through an existing domestic dedicated card without having a card for overseas settlement, and a solution for the above problem is urgently needed.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the problems of the prior art described above, and it is an object of the present invention to provide a card for domestic use and a temporary payment card, And it is an object of the present invention to provide a method of providing an overseas settlement service in connection with a card for domestic use intended to provide convenience to users in using an overseas settlement and a card issuer server performing the same.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method of providing an overseas payment service associated with a domestic card, the method comprising the steps of: (a) receiving a foreign card issuing request from a user terminal; Mapping the user's private card information to a predetermined foreign card number; (b) determining whether to approve payment if a payment approval request through the generated foreign card number is received from an overseas merchant terminal; And (c) sending a settlement approval result to the foreign merchant terminal when the settlement approval is completed, and supporting the charge including the amount approved for payment with the foreign-use card number when requesting the settlement amount for the domestic exclusive card A method of providing an overseas settlement service is provided.

The step (b) may include a step of accepting rejection of a payment request for a subsequent foreign merchant store when a loss report of a real card corresponding to the foreign card is received.

The step (a) may include the step of, when the foreign card issuing request is received from the user terminal, allowing the real card having the foreign card number to be paid to the user at a predetermined location.

(d) if there is no payment approval request through the foreign-use card number for a predetermined period of time, or if a loss report of the real card corresponding to the foreign-use card number is received, or if there is a request to end the overseas payment service, And terminating providing the overseas settlement service if the payment settlement service is located in Korea.

The foreign-use card number in the step (a) is transmitted to the user terminal in the form of a text message including a card number, a bar code, a QR code, etc., so that the user does not have a separate card And a combination of numbers that can be paid through the overseas merchant terminal.

The method according to claim 1, wherein, in the step (b), when a payment approval request is received from the foreign merchant terminal through the generated foreign card number, And if the card information is found not to exist, determining that the request has been rejected for the requested payment.

According to another embodiment of the present invention, there is provided a card information mapping unit for mapping a card ID of a user to a card ID of a card for use in a foreign country when a request for issuing an international card is received from a user terminal. A settlement approval unit for determining whether to approve payment when a payment approval request is received from the foreign merchant terminal through the generated foreign card number; And a settlement amount processing unit for sending a settlement approval result to the foreign merchant terminal when the settlement approval is completed, and for claiming the settlement amount approved for the domestic use card number, A card issuer server is provided.

The settlement approval unit may accept the rejection processing of the subsequent overseas merchant payment request when the loss report of the real card corresponding to the foreign card number is received.

The card information mapping unit may support a payment of the physical card having the foreign-used card number at a predetermined location to the user when the overseas card issuance request is received from the user terminal.

When there is no payment approval request through the foreign card number for a predetermined period or when a loss report of the real card corresponding to the foreign card number is received or when the user terminal is requested to be terminated An overseas settlement service provision termination unit for terminating the overseas settlement service provision in the case where the overseas settlement service termination is provided.

The foreign-use card number is transmitted to the user terminal in the form of a text message including a card number, a bar code, a QR code, etc., so that the user does not need to have a separate card to use the overseas payment service, And a combination of numbers that can be settled through the merchant terminal.

The settlement approval unit checks the foreign-use card number when the payment authorization request is received from the foreign franchise terminal through the generated foreign-use card number, and transmits the domestic-only card information mapped to the foreign- It is possible to determine the rejection of the request received payment.

According to an embodiment of the present invention, when a customer desires to use an overseas settlement service, since the overseas settlement service can be used only by registering the card information for domestic use, convenience of the user can be provided in using the overseas settlement service have.

In addition, according to the embodiment of the present invention, since an overseas card number associated with a domestic card can be issued through a mobile, a customer can use an overseas payment service without having a separate card for overseas payment There are advantages.

In addition, according to an embodiment of the present invention, since a temporary overseas settlement service can be used by utilizing a conventional domestic card, a customer can use an overseas settlement service without issuing an additional card to use an overseas settlement service .

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

FIG. 1 is a view schematically showing a configuration of a system for providing an overseas settlement service in connection with a card for domestic use according to an embodiment of the present invention.
2 is a block diagram illustrating the configuration of a card issuer server according to an embodiment of the present invention.
3 is a flowchart illustrating a process of providing an overseas settlement service associated with a domestic dedicated card according to an exemplary embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

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

FIG. 1 is a view schematically showing a configuration of a system for providing an overseas settlement service in connection with a card for domestic use according to an embodiment of the present invention.

Referring to FIG. 1, the system for providing a financial transaction approval uninterrupted service through proxy approval according to an exemplary embodiment of the present invention includes an affiliate shop terminal 300, a credit card company server 200, and an overseas affiliate shop terminal 300.

First, not only the user terminal 100 and the card issuer server 200 but also the card issuer server 200 and the overseas affiliated merchant terminal 300 may be connected to each other through a communication network. In this case, Can be configured without selecting. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like.

The user terminal 100 includes any type of handheld based wireless communication device equipped with a touch screen panel such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP (Portable Multimedia Player) In addition, it can also include devices with a foundation to install and run applications, such as desktop PCs, tablet PCs, laptop PCs, and IPTV, including set-top boxes.

The user terminal 100 may install an application providing an overseas settlement service associated with a domestic dedicated card and store the application in a memory. For example, after the user terminal 100 accesses an app store server (not shown) in which various applications are uploaded, the user terminal 100 can download and install an overseas settlement service providing application associated with a domestic exclusive card. The overseas payment service application that is connected with the card for domestic use includes a variety of services related to the overseas payment service linked to the domestic card such as registration of a card for domestic use, registration of a temporary payment card, issuance of an overseas card number, payment using a barcode or QR code Can be provided.

The user terminal 100 may receive domestic private card information or temporary payment card information from a user and transmit the card information to the card issuer server 200.

The user terminal 100 can receive the foreign-use card number from the card issuer server 200. [

The user terminal 100 may display the number of the out-of-service card received from the card issuer server 200, and allow the user to use the out-of-service card number received from the outside.

The user terminal 100 may perform a payment approval result from the card issuer server 200. [

The card issuer server 200 can receive the user's private card information from the user terminal 100 and can register the received private card information.

The card issuer server 200 can generate an overseas card number to be mapped to the registered card information and transmit the generated card number to the user terminal 100. The foreign-use card number can be transmitted to the user terminal 100 in the form of a text message including a card number, a bar code, a QR code, etc., and can be composed of a combination of numbers that can be paid through the overseas merchant terminal 300 But is not limited thereto.

When the payment approval request is received from the foreign merchant terminal 300 in advance, the card issuer server 200 confirms the foreign-use card number and determines whether to approve the payment.

According to an embodiment of the present invention, when the card issuer server 200 confirms that a pre-registered domestic card corresponding to the received foreign card number is present, the card issuer server 200 can approve the received payment.

According to another embodiment of the present invention, when it is determined that there is no pre-registered domestic card corresponding to the received foreign card number, the card issuer server 200 can approve the payment have.

If the card issuer server 200 approves the settlement, the card issuer server 200 can transmit the settlement approval result to the overseas merchant terminal 300. When the settlement amount for the domestic exclusive card is requested, .

When the card issuer server 200 receives the information of the user's domestic card information from the user terminal 100 and the information of the temporary payment card which enables payment at the overseas merchant issued by the user, The card information can be mapped and registered.

The temporary payment card may be a card previously issued by the user before departure, and may be configured to enable recognition and settlement through the overseas merchant terminal 300, but the present invention is not limited thereto.

When the payment authorization request for the temporary payment card is received from the overseas merchant terminal 300, the credit card company server 200 can confirm the information of the temporary payment card requested for payment approval and approve the payment.

According to an embodiment of the present invention, when the card issuer server 200 confirms that there is a pre-registered domestic card corresponding to the temporary payment card information received in the payment approval request, the card issuer server 200 can approve the received payment.

According to another embodiment of the present invention, when it is determined that there is no pre-registered domestic card corresponding to the received temporary payment card information, the card issuer server 200 may approve the payment have.

When the settlement approval is completed, the card issuer server 200 can transmit the settlement approval result to the overseas merchant terminal 300. When the settlement amount for the domestic exclusive card is charged, have.

The foreign merchant terminal 300 may be a CAT (Credit Authorization Terminal) terminal or a POS (Point Of Sales) terminal. When the foreign card number information or the temporary payment card information is recognized or inputted, a VAN company A card transaction approval request including the payment approval request amount information and the card information to the card issuer server 200 can be transmitted.

The overseas merchant terminal 300 may receive the payment approval result from the card issuer server 200. [

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

2, a card issuer server 200 according to an exemplary embodiment of the present invention includes a card information mapping unit 210, a settlement approval unit 220, a settlement amount processing unit 230, and an overseas settlement service termination unit 240 ).

The card information mapping unit 210 may register the received private card information when receiving the private card information of the user from the user terminal 100. [

In addition, the card information mapping unit 210 receives the information of the user's domestic card information from the user terminal 100 and the information of the temporary payment card for making payment at the foreign merchant terminal 300 issued by the user, The card information for domestic use and the temporary payment card information can be mapped and registered.

For example, the card information mapping unit 210 receives from the user terminal 100 the user's domestic dedicated card number "1053-2246-2223-2496" and the temporary payment card number "1234-5621- The card number of the received "1053-2246-2223-2496" and the card number of "1234-5621-4820-6514" are mapped to a database (not shown) in the card issuer server 200 Can be stored.

The card information mapping unit 210 may generate an overseas card number to be mapped to the registered card information and transmit the card number to the user terminal 100.

Specifically, the card information mapping unit 210 generates an overseas card number configured in the form of a recognizable and payable number in the overseas merchant terminal 300, maps the card number to registered domestic card information, Can be stored in a database (not shown). The foreign-used card number may be a combination of numbers and letters, and the configuration for the foreign-used card number is not limited.

When the settlement approval request is received from the foreign merchant terminal 300, the settlement approval unit 220 confirms the settlement approval requested foreign-use card number and approves the settlement.

According to an embodiment of the present invention, when the settlement approval unit 220 receives a settlement approval request with the foreign-use card number generated from the foreign franchise terminal 300, the settlement approval unit 220 checks the received foreign- If it is confirmed that the information of the card for domestic use corresponding to the card number of the card used for overseas payment received in the database (not shown) in the card issuer server 200 is registered in advance, the payment can be accepted.

According to another embodiment of the present invention, when the settlement approval unit 220 receives a settlement approval request with the foreign card number generated by the foreign merchant terminal 300, the settlement approval unit 220 checks the received foreign- If it is determined that the information on the card for domestic use corresponding to the received card number for overseas use that has been received in the database (not shown) in the card issuer server 200 is not registered in advance, the request is rejected can do.

When the payment approval unit 220 receives a payment approval request for the temporary payment card from the foreign merchant terminal 300, the payment approval unit 220 can confirm the information of the temporary payment card requested for payment approval and approve the payment.

According to an embodiment of the present invention, when the payment approval unit 220 receives a payment approval request for the temporary payment card from the foreign merchant terminal 300, the payment approval unit 220 checks the information of the temporary payment card, If it is determined that the information on the domestic card corresponding to the received temporary payment card information is registered in advance and exists in the database (not shown) in the server 200, the payment can be approved.

According to another embodiment of the present invention, when the payment approval request for the temporary payment card is received from the overseas merchant terminal 300, the payment approval unit 220 confirms the information of the temporary payment card that received the payment approval request, If it is determined that the information on the card for domestic use corresponding to the received temporary payment card information is not registered because the payment approval request is received in the database (not shown) in the server 200, the request is rejected .

The settlement approval unit 220 may further confirm the payment amount information received from the overseas merchant terminal 300 and determine whether to approve the payment.

Specifically, the payment approval unit 220 confirms a predetermined payment limit amount of the domestic exclusive card associated with the foreign-use card number or the temporary payment card with respect to the payment amount information received from the foreign merchant terminal 300, The payment can be approved according to whether the amount of payment is exceeded by applying the exchange rate to the amount to be paid.

The determination as to whether or not the predetermined payment limit amount is exceeded is made based on a judgment as to whether or not the amount to be paid exceeds a preset payment limit amount, And a determination as to whether or not the amount of money exceeds a total charging limit amount of the domestic dedicated card set in advance.

For example, if the user tries to pay $ 263 through the overseas card number or the temporary payment card, and the pre-established limit per payment is 500,000 for the associated domestic card, It is determined that the amount of money to be paid does not exceed the preset amount per one-time payment amount of 500,000 won by calculating the automatic exchange rate to the original amount of $ 263 to approve the payment. On the other hand, if the user wishes to pay a payment amount of $ 657, it is determined that the amount exceeded the preset limit of 500,000 KRW, which is a preset amount, in the calculation of the automatic exchange rate.

Also, for example, if a user tries to pay $ 263 through an overseas card number or a temporary payment card and the pre-established one month charge limit is 1,000,000 won for the associated domestic card, The payment approval unit 220 calculates the amount of the user's payment amount of $ 263 to the original unit and automatically calculates the exchange rate for the monthly charge amount of the corresponding domestic dedicated card charged up to the time of the payment approval request If you add up to 930,000 won, it can be decided that you exceeded the monthly limit amount of 1,000,000 won for the card for domestic use, and you can reject the payment. On the other hand, if it is determined that the sum of the amount to be paid by the user and the one-month charge amount of the domestic exclusive card charged until the payment approval request time does not exceed the one-month charge limit amount of the predetermined domestic exclusive card, 220 may approve the settlement.

The settlement amount processing unit 230 may transmit the settlement approval result to the overseas merchant terminal 300 when the settlement approval is completed. When the payment amount for the domestic exclusive card is requested, the overseas payment card number or the temporary payment card Including the amount approved for payment.

For example, if the amount of money approved for overseas payment using the overseas card number or temporary payment card registered in advance and mapped to the domestic card owned by the user is $ 700, the amount calculated based on the exchange rate is 780,000 won Assuming that the bill for the month used in Korea through the domestic card is 220,000 won, the settlement amount processor 230 charges the total amount of 1,000,000 won .

The overseas settlement service provision termination unit 240 terminates the overseas settlement service termination when the payment approval request through the foreign card number is not received for a predetermined period or when the lost card of the foreign card corresponding to the foreign card number is received, Or if it is determined that the user terminal 100 is located in the domestic market, the service providing service may be terminated.

3 is a flowchart illustrating a process of providing an overseas settlement service associated with a domestic dedicated card according to an exemplary embodiment of the present invention.

3 (a), a flow chart for providing an overseas settlement service associated with a domestic exclusive card through a mobile will be described. A user can register a domestic exclusive card through the user terminal 100 (S311 ).

When card information for domestic use is registered through the user terminal 100, the card issuer server 200 generates an overseas card number to be mapped to the registered domestic card information, and stores the card in the database (not shown) in the card issuer server 200, (S312), and stores the generated private card information and the generated foreign card number in step S312.

The card issuer server 200 transmits an overseas card number generated by mapping the registered card information to the user terminal 100 so that the user can use the overseas payment service (S313).

Thereafter, the user can perform overseas settlement through the foreign-use card number associated with the domestic-only card (S314).

When the user requests approval of overseas payment through the foreign card number generated in advance from the foreign merchant terminal 300, the card company server 200 can check the card number for overseas use and determine whether to approve payment (S315).

If the settlement is approved through the confirmation of the card number for which payment has been requested, the credit card company server 200 can transmit the settlement approval result to the overseas merchant terminal 300. In addition, (S316).

On the other hand, if the settlement is rejected through the confirmation of the number of the foreign-use card requested for payment approval, the credit card company server 200 may terminate the overseas settlement service.

As shown in FIG. 3 (b), a flowchart of providing an overseas settlement service in connection with a domestic exclusive card through off-line will be described. In step S321, the user can receive a temporary payment card before departing overseas.

Thereafter, the user can register the private card information for domestic use and the information of the temporary payment card that has been issued in advance in the card issuer server 200 through the user terminal 100, and the card issuer server 200 can access the user terminal 100 The received private card information and the temporary payment card information may be mapped and stored in a database (not shown) in the card issuer server 200 (S322).

The user can perform overseas settlement through the temporary payment card registered in advance in association with the card for domestic use (S323).

If the user requests approval of overseas payment through the temporary payment card registered in advance from the foreign merchant terminal 300, the card company server 200 can confirm the information of the temporary payment card and decide whether to approve the payment (S324).

When the payment is approved through the confirmation of the payment card information requested for payment approval, the card company server 200 can transmit the payment approval result to the overseas merchant terminal 300, (S325).

On the other hand, when the payment is approved through the confirmation of the temporary payment card information requested for payment approval, the credit card company server 200 may terminate the overseas payment service.

As described above, according to the embodiment of the present invention, when the consumer intends to use the overseas settlement service, since the overseas settlement service can be used only by registering the card information for domestic use, .

In addition, according to the embodiment of the present invention, since an overseas card number associated with a domestic card can be issued through a mobile, a customer can use an overseas payment service without having a separate card for overseas payment There are advantages.

In addition, according to an embodiment of the present invention, since a temporary overseas settlement service can be used by utilizing a conventional domestic dedicated card, a customer can use an overseas settlement service without issuing an additional card to use an overseas settlement service .

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: User terminal
200: card company server
210: Card information mapping unit
220:
230: Payment Amount Processing Section
240: Termination of overseas settlement service provision
300: Overseas merchant terminal

Claims (12)

In a method for providing an overseas settlement service in which a card issuer server is associated with a domestic dedicated card,
(a) mapping, when a request for issuing a foreign card is received from the user terminal, mapping the domestic card information of the user to a predetermined foreign card number;
(b) determining whether to approve payment if the payment approval request is received from the foreign merchant terminal through the foreign card number; And
(c) when the settlement approval is completed, transmitting the settlement approval result to the foreign merchant terminal, and supporting the charge including the amount approved for payment with the foreign-use card number when requesting the settlement amount for the domestic exclusive card How to provide an overseas payment service, including.
The method according to claim 1,
The step (b)
And accepting rejection of an overseas merchant payment request in the case where the lost card report of the real card corresponding to the foreign card number is received.
The method according to claim 1,
The step (a)
And supporting, when a foreign card issuing request is received from the user terminal, payment of a physical card having the foreign card number at a predetermined location to the user.
The method according to claim 1,
(d) if there is no payment approval request through the foreign-use card number for a predetermined period of time, or if a loss report of the real card corresponding to the foreign-use card number is received, or if there is a request to end the overseas payment service, And terminating the overseas settlement service if the settlement service is located in Korea.
The method according to claim 1,
The foreign-use card number of the step (a)
A user may not be required to carry a separate card in order to use the overseas settlement service, and the payment may be made through the foreign merchant terminal And a number of the plurality of numbers.
The method according to claim 1,
The step (b)
When the payment approval request is received from the foreign merchant terminal through the generated foreign card number, it checks the foreign card number and determines that there is no domestic card information mapped to the authorized foreign card number And if so, determining an approval rejection for the requested payment.
A card information mapping unit for mapping the card information of the user of the user and the card number of the card for use abroad when the request for issuing the card is received from the user terminal;
A settlement approval unit for determining whether to approve a settlement when a settlement approval request is received from the foreign merchant terminal through the foreign card number; And
And a settlement amount processing unit for sending a settlement approval result to the foreign merchant terminal when the settlement approval is completed and supporting the charge including the amount approved for payment with the foreign usage card number when the settlement amount for the domestic exclusive card is requested Credit card company.
8. The method of claim 7,
The settlement approval unit,
And when the loss report of the real card corresponding to the foreign-use card number is received, the card dealer server performs the approval rejection process for the subsequent overseas merchant payment request.
8. The method of claim 7,
The card information mapping unit,
Wherein when a foreign card issuing request is received from the user terminal, a real card having the foreign card number is paid to the user at a predetermined location.
8. The method of claim 7,
When there is no payment approval request through the foreign card number for a predetermined period or when a loss report of the real card corresponding to the foreign card number is received or when the user terminal is requested to be terminated Further comprising an overseas settlement service provision termination unit for terminating the overseas settlement service provision when the settlement service provision service is terminated.
8. The method of claim 7,
The foreign-use card number includes:
A user may not be required to carry a separate card in order to use the overseas settlement service, and the payment may be made through the foreign merchant terminal And a combination of the numbers.
8. The method of claim 7,
The settlement approval unit,
When the payment approval request is received from the foreign merchant terminal through the generated foreign card number, it checks the foreign card number and determines that there is no domestic card information mapped to the authorized foreign card number And determines, if confirmed, an authorization rejection for the request received payment.
KR1020160130025A 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same KR101910915B1 (en)

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KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
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