WO2017222177A1 - Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier - Google Patents

Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier Download PDF

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Publication number
WO2017222177A1
WO2017222177A1 PCT/KR2017/004914 KR2017004914W WO2017222177A1 WO 2017222177 A1 WO2017222177 A1 WO 2017222177A1 KR 2017004914 W KR2017004914 W KR 2017004914W WO 2017222177 A1 WO2017222177 A1 WO 2017222177A1
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WO
WIPO (PCT)
Prior art keywords
approval
transaction
transaction approval
card company
agency
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2017/004914
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English (en)
Korean (ko)
Inventor
한새미
김광곤
최강민
우여름
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
BC Card Co Ltd
Original Assignee
BC Card Co Ltd
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by BC Card Co Ltd filed Critical BC Card Co Ltd
Publication of WO2017222177A1 publication Critical patent/WO2017222177A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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 OR CALCULATING; 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
    • G06Q10/10—Office automation; Time management
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; 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

Definitions

  • the present invention relates to a method for providing a card company integrated agency approval service and a card company server performing the same, and more particularly, by monitoring the financial company server according to the agency approval application criteria preset by each financial company, the transaction in the financial company server If it is determined that it is impossible to provide the authorization service, the card company server acts as a transaction approval service, thereby providing a method for providing a card company integrated agency authorization service for providing a temporary card payment service applicable to each financial company and a card company server performing the same. will be.
  • the present invention is to solve the above-mentioned problems of the prior art, by monitoring the financial server server in accordance with a predetermined agency approval application criteria preset by each financial company, if it is determined that it is impossible to provide a transaction approval service in the financial company server, the card company server
  • an object of the present invention is to provide a method for providing a card company integrated agency approval service that wants to provide a temporary card payment service applicable to each financial company and a card company server performing the same.
  • the card company server in a method for providing a card company integrated agency approval service, the card company server, (a) requesting the financial company server to periodically transmit transaction approval information, the financial company server Receiving a plurality of transaction approval information from the; (b) deriving monitoring data based on the received plurality of transaction approval information, and performing monitoring of the financial institution server to determine whether the derived monitoring data meets a predetermined agency approval performance standard; (c) if it is determined that the derived monitoring data meets the preset agency approval performance standard through the monitoring, performing transaction approval on behalf of a financial company for a preset agency approval application time; And (d) when the preset agency approval application time ends, transmitting the agency approval result to the financial institution server so that the transaction approval may be performed at the financial company server.
  • a method is provided.
  • (b), if there are a plurality of financial company server may include the step of performing monitoring for each financial company, the step (c), if there are a plurality of financial company server, the predetermined agency approval for each financial company It may include performing a transaction approval on behalf of the financial company for each financial company based on the performance criteria.
  • step (c) when a transaction approval request is received from a merchant terminal determined to have a high possibility of fraud, based on the transaction approval history information, the transaction approval is performed on behalf of the financial company only for the request for approval of a predetermined amount limit. It may include the step.
  • the method may include rejecting the request received from the affiliated store terminal.
  • step (c) when the transaction approval request is received from the merchant terminal, the transaction approval request amount information included in the received transaction approval request is checked, and the accumulated amount of approval of the merchant including the requested transaction approval amount is limited to the merchant approval. If it is determined that the amount is exceeded, it may include the step of rejecting the request received from the merchant terminal.
  • Step (c) may include performing a transaction approval on behalf of the financial company at a time preset by the user, regardless of monitoring.
  • the preset time by the user may correspond to an expected transaction approval stop time of the financial company server calculated in advance based on the received plurality of transaction approval information.
  • the transaction approval information receiving unit for receiving a plurality of transaction approval information from the financial company server by periodically requesting the transaction approval information transmission to the financial company server;
  • a monitoring execution unit configured to derive monitoring data based on the received plurality of transaction approval information, and determine whether the derived monitoring data meets a predetermined agency approval performance standard;
  • a transaction approval unit performing transaction approval on behalf of a financial company during a predetermined agency approval application time when it is determined that the derived monitoring data through the monitoring meets the preset agency approval performance standard;
  • a proxy approval result transmission unit configured to transmit a proxy approval result to the financial company server when the preset agency approval application time is ended, and then allow the transaction approval to be performed at the financial company server.
  • the monitoring execution unit may perform monitoring for each financial company when there are a plurality of financial company servers, and when the plurality of financial company servers are provided, the transaction approval unit may be based on a predetermined agency approval approval standard for each financial company. Transaction approval can be performed on behalf of
  • the transaction approval unit may perform a transaction approval on behalf of the financial company only for a request for approval of a predetermined amount limit when a transaction approval request is received from a merchant terminal determined to have a high possibility of fraud based on transaction approval history information. have.
  • the transaction approval unit may reject the request received from the merchant terminal when a transaction approval request is received from the merchant terminal determined to have a high probability of fraud.
  • the transaction approval unit checks the transaction approval request amount information included in the received transaction approval request, and the accumulated amount of the approval of the merchant including the requested transaction approval amount corresponds to the merchant approval limit amount. If it is determined to exceed, the transaction received from the merchant terminal can be rejected.
  • the transaction approval unit may perform transaction approval on behalf of the financial company at a time preset by the user regardless of the monitoring.
  • the preset time by the user may correspond to an expected transaction approval stop time of the financial company server calculated in advance based on the received plurality of transaction approval information.
  • the present invention since it provides a card transaction agency approval service through monitoring on the basis of the approval conditions for each financial company, through a VAN company to provide a card transaction agency approval service on the basis of the collective common approval conditions Compared to this, it is possible to provide precise agency approval service.
  • the card company server when a problem with the transaction approval in the financial company server, the card company server temporarily performs the agency approval, so that the card payment approval decline due to the financial company server failure does not occur, There is an effect that the card payment authorization service can be provided smoothly without interruption.
  • the card company server shares the transaction approval history information by transmitting the agency approval result to the financial company server when the agency approval is completed, data consistency in the financial transaction approval may be secured. have.
  • FIG. 1 is a diagram schematically showing the configuration of a card company integrated agency approval service providing system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a card company server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a process of providing a credit card integrated agency approval service according to an embodiment of the present invention.
  • FIG. 1 is a diagram schematically showing the configuration of a card company integrated agency approval service providing system according to an embodiment of the present invention.
  • the card company integrated agency approval service providing system includes an affiliated store terminal 100, a card company server 200, and a financial company server 300.
  • the communication network may cover its communication modes such as wired and wireless. It can be configured without.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • WAN wide area network
  • the merchant terminal 100 may be a credit authorization terminal (CAT) terminal or a point of sales (POS) terminal.
  • CAT credit authorization terminal
  • POS point of sales
  • the affiliated store terminal 100 may receive a transaction approval result from the card company server 200 or the financial company server 300 when the transaction approval is completed in the card company server 200 or the financial company server 300.
  • the card company server 200 may periodically request the financial institution server 300 to transmit transaction approval information, and may receive a plurality of transaction approval information from the financial institution server 300.
  • the transaction approval information may include transaction approval real-time information, transaction approval history information, affiliated store information, affiliated store approval limit amount information, and affiliated store authorized accumulation amount status information.
  • the card company server 200 may derive the monitoring data based on the plurality of transaction approval information received from the financial company server 300.
  • the monitoring data may be derived by collecting a plurality of transaction approval real-time information among the plurality of transaction approval information.
  • the card company server 200 may determine whether the derived monitoring data meets a predetermined agency approval performance standard, and may monitor the financial company server 300.
  • the performance criteria for the agency approval may be different for each card company.
  • the card company server 200 may perform monitoring for each card company based on a predetermined agency approval standard for each card company.
  • the card company server 200 may perform a card company integrated agency approval based on transaction approval information for a predetermined agency approval application time. . Agency approval application time may vary by card company.
  • the card company server 200 may perform the agency approval for each card company on the basis of a predetermined agency approval performance standard for each card company.
  • the card company server 200 may not perform the integrated agency approval.
  • the card company server 200 may select one or more affiliate stores having a high possibility of fraudulent use based on the transaction approval details among the received transaction approval information.
  • the card company server 200 includes a merchant corresponding to the received transaction approval request in one or more high probability of fraudulent use, which is pre-established when the transaction approval request is received from the affiliated store terminal 100 when performing the card company integrated agency approval. Can be determined.
  • the card company server 200 at the time of performing the card company integration agency approval, the merchant corresponding to the transaction approval request received through the confirmation of the merchant information to one or more of the pre-selected merchants likely to use fraudulent use If it is determined that the inclusion, the merchant terminal 100 may transmit a message for rejecting the transaction approval.
  • the card company server 200 at the time of performing the card company integration agency approval, the merchant corresponding to the transaction approval request received through the confirmation of the merchant information to one or more of the pre-selected merchants with a high probability of fraud If it is determined that it is not included, it may transmit a message about the transaction approval to the merchant terminal (100).
  • the card company server 200 When the card company server 200 performs a card company integrated agency approval, if a transaction approval request is received from the affiliated store terminal 100, the card company server 200 based on the merchant information and the transaction approval request amount information included in the received transaction approval request, the transaction received in advance By confirming the approval information, it is possible to determine whether the accumulated amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount.
  • the card company server 200 accumulates the approval of the merchant including the requested transaction approval amount, by confirming the transaction approval request amount information received from the merchant terminal 100 when performing the card company integration agency approval. If it is determined that the amount exceeds the merchant approval limit amount, a message for rejecting the transaction approval may be transmitted to the merchant terminal 100.
  • the card company server 200 accumulates the approval of the merchant including the requested transaction approval amount, by checking the transaction approval request amount information received from the merchant terminal 100 when performing the card company integration agency approval If it is determined that the amount does not exceed the amount of the merchant approval limit, the message for the transaction approval may be transmitted to the merchant terminal 100.
  • the card company server 200 may perform the card company integration agency approval at a time preset by the user, regardless of the financial company server 300 monitoring.
  • the predetermined time set by the user may correspond to an expected transaction approval stop time of the financial company server calculated in advance based on the transaction approval information.
  • the card company server 200 transmits the agency approval result to the financial company server 300 when the predetermined agency approval application time is completed, and when the card company integrated agency approval is completed, the banking company server (after the preset agency approval application time) At 300, transaction approval may be performed.
  • FIG. 2 is a block diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.
  • the card company server 200 according to an embodiment of the present invention, the transaction approval information receiving unit 210, the monitoring execution unit 220, the transaction approval unit 230 and the agency approval result transmission unit 240 It includes.
  • the transaction approval information receiver 210 may periodically request transaction approval information transmission from the financial institution server 300 to receive a plurality of transaction approval information from the financial institution server 300.
  • the transaction approval information receiver 210 may request the financial institution server 300 to transmit transaction approval information every 30 seconds, thereby receiving and collecting real time information about the transaction approval.
  • the monitoring performing unit 220 may derive the monitoring data based on the received plurality of transaction approval information, and determine whether the derived monitoring data meets a predetermined agency approval performance standard.
  • the monitoring execution unit 220 may derive monitoring data such as "39 transactions not approved for 2 minutes” based on the plurality of received transaction approval information, and "100 transactions not processed for 2 minutes". If it is assumed that the "or more" is a predetermined agency approval performance criteria, it can be determined through continuous monitoring whether the derived monitoring data meets the conditions of "100 or more transactions not approved in two minutes”.
  • the monitoring execution unit 220 when there are a plurality of financial company server 300, may perform monitoring for each card company.
  • the transaction approval unit 230 may perform card agency integrated agency approval based on the transaction approval information during the preset agency approval application time. Can be.
  • the derived monitoring data may be derived in the form of the number of unapproved cases per time, but is not limited thereto.
  • the transaction approval unit 230 may perform the agency approval for each card company based on a predetermined agency approval performance standard for each card company.
  • the transaction approval unit 230 may not perform the credit card company integrated agency approval.
  • the card company A's agency approval criteria are "100 transaction unapproved for 2 minutes”
  • the card company B's agency approval standard is "200 transactions or more unapproved for 5 minutes”
  • the card company C's agency Assuming that the approval performance criterion is "75 or more transaction unauthorized processes for 3 minutes", the monitoring execution unit 220 based on the transaction approval information collected from the server of the card company A, the server of the card company B, and the server of the card company C.
  • Card company A, B, and C respectively, monitoring data of "89 unauthorized transactions for 2 minutes", “217 unauthorized transactions for 5 minutes” and "90 unauthorized transactions for 3 minutes” A does not perform the card company integration agency approval of the card company server 200, the transaction approval is processed through the server of the card company A, card company B and C card company integration agency approval is performed in the card company server 200. As such, the monitoring by the card company and the integrated approval of the credit card company may be performed based on a predetermined credit card execution agency standard.
  • the transaction approval unit 230 may select one or more affiliate stores having a high probability of fraud based on the transaction approval details of the received transaction approval information.
  • the transaction approval unit 230 When the transaction approval unit 230 receives a transaction approval request from the affiliated store terminal 100 when the card company integrates the agency approval, one or more merchants having a high probability of fraudulent use that have been selected in advance corresponding to the received transaction approval request are selected. It can be determined whether it is included in either.
  • the transaction approval unit 230 is to be included in any one of the merchants that are likely to cause fraudulent use of one or more pre-selected merchants corresponding to the transaction approval request received through the merchant information verification. If it is determined, the result of the transaction approval rejection may be transmitted to the affiliated store terminal 100.
  • the transaction approval unit 230 is not included in any one of the merchants that are likely to cause misuse at least one pre-selected merchant corresponding to the transaction approval request received through the merchant information confirmation. If it is determined that the result of the transaction approval may be transmitted to the affiliated store terminal (100).
  • the transaction approval unit 230 is the card companies A, B, and C.
  • the transaction approval rejection message may be transmitted for the card transaction approval request issued by the card companies A and C, and the transaction approval message may be transmitted for the card transaction approval request issued by the card company B.
  • the transaction approval unit 230 When the transaction approval unit 230 receives a transaction approval request from the merchant terminal 100, based on the merchant information and the transaction approval request amount information included in the received transaction approval request, the transaction approval information accumulates for each card company in advance. By confirming the approval amount information, it is possible to determine whether the accumulated amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount.
  • the transaction approval unit 230 through the confirmation of the approval limit amount, if it is determined that the cumulative amount of approval of the merchant including the requested transaction approval amount exceeds the merchant approval limit amount, the merchant terminal The result of the rejection of the transaction approval may be transmitted to 100.
  • the transaction approval unit 230 through the approval limit amount check if it is determined that the cumulative amount of approval of the merchant including the requested transaction approval amount does not exceed the merchant approval limit amount, the affiliate store The terminal 100 may transmit a result of the transaction approval.
  • the authorization limit amount of the card company A is 200,000 won and that the authorization limit amount of the card company B is 500,000 won
  • the card transaction issued by the card company A from the merchant terminal 100 when the card company integration agency approval is performed is performed. If an authorization request of 60,000 won has been received, an authorization request of 100,000 won has been received for a card transaction issued by card company B, and the cumulative amount of authorization information received from each of card company A and card company B is 150,000 won and 230,000 won, respectively.
  • the authorization unit 230 for the card transaction authorization request issued by the card company A, because the authorization limit amount is exceeded when the transaction approval, transmits a message about the rejection of authorization to the merchant terminal 100, while at the card company B For the issued card transaction approval request, since the authorization limit amount is not exceeded even if the transaction is approved, the merchant terminal 100 receives the transaction approval. Messages can be sent.
  • the transaction approval unit 230 may perform card company integration agency approval at a time preset by the user, regardless of monitoring.
  • the preset time set by the user may correspond to an expected transaction approval stop time of the financial company server 300 calculated in advance based on the transaction approval information.
  • agency approval result transmission unit 240 ends the preset agency approval application time, when the integration of the card company integrated agency approval is completed, the agency approval result is transmitted to the financial company server, and the financial company server after the predetermined agency approval application time. At 300, transaction approval may be performed.
  • the transaction approval unit 230 is the card company integration agency through the monitoring execution unit 220.
  • Authorization is performed only from 10:00 to 12:00 with the approval applied, and after 12, the card transaction approval is processed at the server of the card company A, and the agency approval result transmission unit 240 displays the transaction approval history from 10:00 to 12:00.
  • the agency approval history including the transfer to the server of the card company A, while the predetermined agency approval application time set for the card company B is 5 hours, assuming that the card company integrated agency approval from 14:00, transaction approval unit 230 is Through the monitoring execution unit 220, the agency approval is performed only from 14:00 to 19:00 when the credit card integrated agency approval is applied, and after 19 o'clock, the card transaction is performed on the server of the card company B.
  • acting authorization result transmission unit 240 may transmit a proxy authorization, including fingers 19 o'clock 14 o'clock emitter transaction authorization details to the server of the credit card company B.
  • FIG. 3 is a flowchart illustrating a process of providing a credit card integrated agency approval service according to an embodiment of the present invention.
  • the card company server 200 may periodically transmit a transaction approval information request to the financial company server 300 in order to monitor the financial company server 300 (S301).
  • transaction approval information including real-time transaction approval information, transaction approval history information, merchant information, authorization limit amount information for each merchant, the cumulative amount of approval status information for each merchant, etc. Can be transmitted (S302).
  • the card company server 200 may derive a plurality of monitoring data corresponding to each financial company server by collecting respective transaction approval information from the server for each card company.
  • the card company server 200 may derive the monitoring data and perform monitoring of the financial institution server 300 based on the derived monitoring data (S303).
  • the card company server 200 determines whether the monitoring data derived for each card company meets a predetermined agency approval performance standard for each card company, and it is determined that the derived monitoring data meets the predetermined agency approval performance standard. Only credit card companies will be authorized to integrate card companies.
  • the card company server 200 When performing the card company integration agency approval of the card company server 200, if a transaction approval request including merchant information, transaction approval request amount information, etc. is received from the merchant terminal 100 (S304), the card company server 200 to the transaction approval request On the basis of the included merchant information, it is possible to determine whether the merchant is included in the list of a plurality of merchants selected as having a high possibility of fraudulent use (S305), thereby determining whether to approve the transaction for the received transaction approval request. .
  • the card company server 200 determines whether to approve the transaction based on the merchant information, and then, based on the transaction approval request amount information included in the transaction approval request, the sum of the credit amount of the credit card company and the requested transaction approval amount By further checking whether the credit card company's approval limit amount is exceeded (S306), it may be finally determined whether or not the transaction approval for the received transaction approval request is made.
  • the card company server 200 may transmit a transaction approval result to the affiliated store terminal 100 when it is determined whether to approve the received transaction approval request (S307).
  • the card company server 200 transfers the result of the agency approval during the time of the agency approval application to the financial company server 300.
  • the agency approval result may include a transaction approval history during the agency approval application time.
  • the card company server when a problem about the transaction approval occurs in the financial company server, the card company server performs the agency approval, so that the transaction approval decline due to the failure of the financial company server does not occur, thereby allowing the transaction approval to the user.
  • the card company server performs the agency approval, so that the transaction approval decline due to the failure of the financial company server does not occur, thereby allowing the transaction approval to the user.
  • the card company server shares the transaction approval history information by transmitting the agency approval result to the financial company server when the agency approval is completed, data consistency in the financial transaction approval may be secured. have.
  • the card company server deletes the account balance information and transaction approval history information for each card temporarily stored for the agency approval after transmitting the agency approval result to the financial company server when the agency approval is completed. Therefore, there is an advantage in that it is possible to prevent the financial information security problem that may be caused by the temporary storage information remaining in the card company server.

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Abstract

La présente invention concerne un procédé destiné à un serveur de société de carte fournissant un service de mandataire d'approbation intégré de société de carte, le procédé comprenant les étapes consistant : (a) à demander périodiquement la transmission d'informations d'approbation de transaction à partir d'un serveur de société financière de manière à recevoir une pluralité d'éléments d'informations d'approbation de transaction provenant du serveur de société financière ; (b) à surveiller le serveur de société financière en dérivant des données de surveillance sur la base de la pluralité d'éléments reçus d'informations d'approbation de transaction et en déterminant si les données de surveillance dérivées sont conformes aux critères de performance de mandataire d'approbation prédéterminés ; (c) à approuver une transaction pendant un temps d'application de mandataire d'approbation prédéterminé pour le compte de la société financière si il est déterminé que les données de surveillance dérivées à l'aide de la surveillance sont conformes aux critères de performance de mandataire d'approbation prédéterminés ; et (d) à transmettre un résultat de mandataire d'approbation au serveur de la société financière de telle sorte que le serveur de société financière peut approuver une transaction dans le futur si le temps d'application de mandataire d'approbation prédéterminé est terminé.
PCT/KR2017/004914 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier Ceased WO2017222177A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR20160076800 2016-06-20
KR10-2016-0076800 2016-06-20
KR1020160129561A KR101757126B1 (ko) 2016-06-20 2016-10-07 카드사 통합 대행 승인 서비스를 제공하는 방법 및 이를 수행하는 카드사 서버
KR10-2016-0129561 2016-10-07

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WO2017222177A1 true WO2017222177A1 (fr) 2017-12-28

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Family Applications (8)

Application Number Title Priority Date Filing Date
PCT/KR2016/014604 Ceased WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
PCT/KR2017/004904 Ceased WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
PCT/KR2017/004915 Ceased WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004905 Ceased WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004909 Ceased WO2017222172A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte
PCT/KR2017/004914 Ceased WO2017222177A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier
PCT/KR2017/004912 Ceased WO2017222175A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement
PCT/KR2017/004984 Ceased WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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PCT/KR2016/014604 Ceased WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
PCT/KR2017/004904 Ceased WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
PCT/KR2017/004915 Ceased WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004905 Ceased WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004909 Ceased WO2017222172A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte

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PCT/KR2017/004984 Ceased WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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WO2017222169A1 (fr) 2017-12-28
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KR101766597B1 (ko) 2017-08-09
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