KR20040028447A - Per/post payment credit card system and method same - Google Patents

Abstract

A credit card system having at least one sub credit card linked to a payment account of a main credit card and a payment method thereof are provided. A transaction approval terminal providing a user interface for obtaining a transaction approval for the amount of sales through the credit card; At least one user terminal connected to a communication network by wire or wirelessly to transmit and receive data; At least one virtual account is linked to a payment account of one main credit card, and authorization limit information, usage information, balance information, etc. of at least one sub credit card issued in correspondence with the virtual accounts may be stored. A database; A predetermined amount of money is connected to the transaction approval terminal and the user terminals through the communication network and linked to a virtual account linked to the payment account of the main credit card in the database according to a charging instruction of the main credit card user by the user terminals. After paying the post-payment to the payment account, and receives a transaction transaction approval request message of the sub-credit card issued corresponding to the virtual account from the transaction approval terminal to receive a transaction approval message within the balance of the virtual account A credit card main computer for transmitting to the transaction approval terminal is provided.

Description

Prepaid credit card system and its method {PER / POST PAYMENT CREDIT CARD SYSTEM AND METHOD SAME}

The present invention relates to a credit card system and a method of operating a payment thereof, and in particular, prepaid and postpaid payment of goods purchase price by linking virtual accounts for at least one debit payment card to an account of one main credit card. The present invention relates to a credit card system and a payment method thereof.

Credit cards that can be paid after purchasing goods or using the goods (including service businesses) are debit cards that can be paid only when there is a large balance in the account, and credit card companies or distributors (department card that pays for post payment). Distribution service businesses such as department stores that issue issuances are prepaid, and electronic bills (prepaid cards) used in the form of prepaid payments and post-paid cards that the user pays later and pre-determined in advance form. As another example of such a prepaid card, a card gift certificate, a transportation card, a public telephone card, etc., sold by a specific credit card company and a distribution industry (eg, a distribution service business such as a department store) is also applicable. In the specification of the present invention, all the cards that can be paid for and billed are defined as credit cards.

The deferred credit card provides the seller with the transaction approval within the credit limit determined by the credit rating company or the credit card company whose main business is a credit card company, and the payment is made after the credit donation period of a certain period is provided. Say card. Typically credit cards are included. Debit cards adopt a payment method in which an immediate withdrawal payment is made from an account linked at the time of use of a card, and most banks operate a debit card payment method linked to their bank. Prepaid cards come in many varieties, but once the pre-filled amount has been exhausted, the majority of them are not reusable, or even prepaid, but they are usually charged offline. .

Among the above credit cards, the post-paid card has been changed from time to time in consideration of the personal credit rating and the reality of society, and the social pathology has occurred as the transaction approval limit increases. . In other words, abuse of post-paid cards in excess of their unacceptable limits makes the country's economy difficult, and social pathologies such as pickpocketing, robbery and murder are occurring.

Currently, the postpaid card, which is widely used, issues a family card that allows a postpay payment to be made within the limit of transaction approval of the main subscriber, for a single payment account. However, such a family card is enacted so as not to be issued to minors. It is a situation that does not receive many social benefits. For example, minors do not receive post-paid transportation cards, and are not paid year-end for the money paid by their parents for goods paid, so that parents who are responsible for the economy of their homes lose money. I could not help it.

Minor children who do not have a post-pay credit card for the above reason will be placed in an environment in which they can have a modest and irrational consumption habit by storing and using cash provided in their wallets. In addition, minor children belonging to a family may be confronted with bullies by holding cash in hand. In addition, although the total consumption market of the minor children is very large, the tax economy of the minors' purchase market becomes opaque, because a large number of minors do not receive receipts after purchasing the goods. Becomes undesirable.

On the other hand, the majority of full-time credit card companies and bank credit card companies issue corporate cards (business card) for the transparency of corporate economic activities and smooth management of corporate accounting budget. Such a corporate card is generally issued a plurality of use cards in one payment account. For example, the CEO, chief financial officer (CFO), and the necessary departments for budgeting and budgeting each issue a number of corporate cards that collectively pay for use in one payment account. The credit limit of the corporate card, that is, the allowable payment as a deferred payment, is determined by the size of the credit transaction and credit status of the company.

However, there are many problems in executing the overall budget of the company because the chief executive officer or CFO of the company cannot smoothly set and control the individual usage of a number of corporate cards provided to each department. Has been. For example, budget execution can be executed offline because multiple corporate cards distributed to each required department corresponding to one payment account cannot be controlled in advance, while the amount of money used by each department cannot be controlled in advance. There was no choice but to.

Accordingly, an object of the present invention is to link a virtual account for at least one prepaid payment card to an account of one postpaid credit card so that the payment of the prepaid card and the postpaid card is paid. The present invention provides a credit card system for making a payment and a payment method thereof.

Another object of the present invention is to link virtual accounts for at least one prepaid payment card to an account of one postpaid credit card, and to charge the virtual account with the amount as the postpaid card to vary its usage. To provide a credit card system and its payment method to be set.

Another object of the present invention is to allow a user of a postpaid credit card to vary the authorization limit (credit limit) of a prepaid credit card having a virtual account linked to his / her payment account by period, number of uses, and amount used. A credit card system and a payment method thereof are provided.

Another object of the present invention is that the credit card holder of the main card can approve the excess amount of the credit limit of the sub-cars when the credit limit of the sub-cards issued linked to the payment account of the main card is exceeded. A credit card system and a payment method thereof are provided.

Another object of the present invention is to create a virtual account of the sub-card linked to the payment account of the post-pay main card to charge money in the virtual account, so that the payment for credit transactions of the sub card to be operated in a debit form. The present invention provides a credit card system and a payment method thereof.

Credit card system of the present invention for achieving the above object is a transaction approval terminal that provides a user interface for obtaining a transaction approval for the amount of sales through the credit card; At least one user terminal connected to a communication network by wire or wirelessly to transmit and receive data; At least one virtual account is linked to a payment account of one post-payment credit card (hereinafter referred to as a “main credit card” and attached with a main credit card), and issued in correspondence with the virtual accounts. A database storing authorization limit information, usage information, balance information, and the like of at least one prepaid payment credit card (hereinafter referred to as a sub credit card); It is connected to the transaction approval terminal and the user terminals through the communication network, and according to a charging instruction of the main credit card MCC user by the user terminals, a predetermined value is stored in the virtual account linked to the payment account of the main credit card in the database. After payment is made and paid in the payment account, and the transaction approval request message of the sub-credit card SCC issued corresponding to the virtual account received from the transaction approval terminal, the transaction approval within the balance of the virtual account And a credit card computer for transmitting a message to the transaction approval terminal.

The communication network converts a message from the credit card computer into voice and an ARS (automatic response system) for interfacing a control signal (including a DTMF code or a corresponding voice signal and digital data) to the credit card computer; PSTN (Public Switching Telephone Network), mobile communication switching system, wireless base station, internet (internet), etc., connected to the ARS are interconnected to provide wireless Internet, data communication by voice switching switching, and wired internet. Note that this is an intelligent communication network. Currently, such a communication network can use a widely used communication infrastructure (infra) as it is.

The communication network may further include an SMS server connected to the Internet or a mobile communication exchange system and transmitting a short service message (SMS) message to a specific mobile phone number under the control of the credit card computer.

The credit card computer connected to the communication network uses the user's mobile phone of the main credit card MCC linked to the virtual account whenever the sales approval for the sub credit card SCC is made. Send an SMS message.

Credit card system according to another principle of the present invention for achieving the above object is a transaction approval terminal that provides a user interface for obtaining a transaction approval for the amount of sales through the debit card; At least one user terminal connected to a communication network by wire or wirelessly to transmit and receive data; At least one virtual account is linked to a payment account of one debit payment credit card (hereinafter referred to as a "main debit card" and attached with a main cash card) and is issued in correspondence with the virtual accounts. A database storing authorization limit information, usage information, balance information, and the like of at least one sub debit payment credit card (hereinafter referred to as a sub cash card); It is connected to the transaction approval terminal and the user terminals through the communication network, and is assigned to a virtual account linked to a payment account of the main debit card MSC in the database according to a charging instruction of the main debit card MSC user by the user terminals. After paying the amount of money in the payment account, and receives the transaction transaction approval request message of the subdebit card SSC issued corresponding to the virtual account from the transaction approval terminal, the transaction approval within the balance of the virtual account Characterized in that the bank computer for transmitting a message to the transaction approval terminal.

The communication network converts a message from the bank computer into voice and an ARS (automatic response system) for interfacing a control signal (including a DTMF code or a corresponding voice signal and digital data) to the bank computer, and the ARS. PSTN (Public Switching Telephone Network), mobile communication switching system, wireless base station, internet (internet), etc. are connected to each other to enable wireless internet, voice communication switching, data communication and wired internet. It should be noted. Currently, such a communication network can use a widely used communication infrastructure (infra) as it is.

The communication network may further include an SMS server connected to the Internet or a mobile communication exchange system and transmitting a short service message (SMS) message to a specific mobile phone number under the control of the bank computer.

The bank computer connected to the communication network transmits the usage information corresponding to the sales approval to the mobile phone of the user of the main debit card MSC linked to the virtual account whenever the sales approval for the subdebit card SSC is made. Send by SMS message.

Credit card payment method according to another aspect of the present invention, by generating at least one virtual account linked to the payment account of the main credit card MCC in response to the issuance request of the sub-credit card SC of the issued main credit card MCC user A card issuing step of storing in a database and issuing a sub-credit card SCC; According to the request of the main credit card MCC user, authorization limit information such as one-time usage period and period usage limit of the sub-credit card SCC is stored in a database, and the amount corresponding to the post-payment of the payment account is charged to the virtual account. Charging and approval limit setting step; A sales state detection step of detecting a sales state in response to a sales approval request of the sub credit card SCC from a card merchant approval terminal; Responding when the detected sales status is credit sales, approving the sales when the requested amount of money is within the approval limit information range of the virtual account of the sub-credit card SCC, and reducing the amount charged in the virtual account. A payment step; And a traffic fare payment step of payment of the approved requested fare in the payment account of the main credit card MCC in response to the detected sales state being a traffic fare sales.

The sales settlement step sends an excess approval request message and authentication number to the mobile phone of the user of the main credit card MCC in response to the amount of the authorization request exceeding the approval limit information range of the virtual account of the sub credit card SCC. Characterized in that it further comprises a processing step.

In addition, the credit card payment method as described above comprises the step of increasing the limit of the authorization limit information by the amount of the authorization request when the authentication number is transmitted from the user terminal of the main credit card MCC linked to the virtual account of the sub-credit card SCC It characterized in that it further comprises.

In accordance with another aspect of the present invention, a credit card payment method generates at least one virtual account linked to a payment account of a main debit card MSC in response to a request for issuing a subdebit card SSC of an issued main debit card MSC user. Card issuing step of storing in the database and issuing a subdebit card SSC; Charge for charging the amount debited directly from the payment account to the virtual account by storing authorization limit information such as one-time usage period and period usage limit of the subdebit card SSC according to the request of the main debit card MSC user. And approval limit setting step; A sales state detecting step of detecting a sales state in response to a sales approval request of the subdebit card SSC from a card merchant approval terminal; Responding when the detected sales status is credit sales, approving the sales when the requested amount of money is within the approval limit information range of the virtual account of the subdebit card SSC, and reducing the amount of charge of the virtual account. A payment step; And in response to the detected sales state being a traffic fare sales, a traffic fare payment step of directly paying the approved requested fare in the payment account of the main debit card MSC.

The sales settlement step sends an excess approval request message and an authentication number to the mobile phone of the user of the main debit card MSC in response to the approved amount exceeding the approval limit information range of the virtual account of the sub debit card SSC. Characterized in that it further comprises a processing step.

In addition, the credit card payment method is the step of increasing the limit of the authorization limit information by the amount of the authorization request at the time the authentication number is transmitted from the user terminal of the main debit card MSC linked to the virtual account of the subdebit card SSC It characterized in that it further comprises.

As described above, the credit card system and the method of payment thereof include a bank computer computerized by a user of a main credit card MCC or a bank account which is registered as a member of a credit card company operating a credit card computer and whose credit limit is determined. A user of a main debit card MSC (hereinafter referred to as "main card MC by combining main credit card MCC and main debit card MSC") whose membership is determined as a member of a bank that operates a bank and whose debit limit is determined within the account balance. Sub-credit card SCC or sub-debit card SSC [hereinafter referred to as "sub-credit card" to be linked to the user's payment account online or offline using a user terminal, for example, a computer with Internet access, a telephone or a mobile phone with ARS connection. SCC and Sub Debit Card SSC are referred to as "Sub Card SC"] upon request to issue Each of the computers generates a virtual account linked to the payment account of the main card MC, stores it in a database, and issues a sub card SC. At this time, the number of virtual accounts is also increased according to the number of issuance requests of the sub-card SC, and the amount of charge and use of the virtual account is charged and used on / offline according to the request or intention of the user of the main card MC. This is limited.

For example, by calling a credit card or a manager of a bank, the manager may add funds to the virtual account and adjust the authorization limit, or log in to the credit card computer or bank computer via the ARS or Internet website and log in to the main card. The user of the MC adds an amount to the virtual account linked to his payment account and sets an approval limit. At this time, the amount charged in the virtual account is paid in the form of postpay or debit in the payment account of the main card MC. That is, in the case of a credit card company, a postpay payment is made within the credit limit, and in the case of a bank, the payment is directly made within the balance of the bank account.

When the user of the sub-card SC issued in correspondence with the virtual account in the above state purchases the goods at the merchant and executes the credit settlement, the transaction approval terminal of the merchant receives a transaction approval request from the credit card computer or the bank computer. You will be asked to approve the transaction by sending a message. At this time, the transaction approval request message includes all information for credit settlement, such as a card number, as is well known. Upon receiving the transaction approval request message, the credit card computer or the bank computer searches whether the entity requesting the transaction approval is the main card MC or the sub card SC, and in the case of the sub card SC, within the transaction approval limit of the virtual account. Approves the transaction of the amount of sales requested for transaction approval. Thereafter, the approved sales amount is reduced from the balance of the virtual account to settle the virtual account.

As described above, the present invention generates a virtual account linked to the payment account of one main card MC to issue a sub-card SC to charge a desired amount to the virtual account by the user of the main card MC, and the charge amount To postpay or direct debit in the payment account of the main card MC. And, when there is a credit sales transaction approval request of the sub-card SC, the transaction approval within the transaction approval limit set by the user of the main card MC can be corrected so that the consumption habits of those who have undesirable / irrational consumption habits can be corrected. This will make the national economy more transparent.

In addition, when applied to the company has the advantage that the director of the fund management can set the utilization amount (credit limit) of the department card or employee card distributed to each department in accordance with the company budget to make the corporate management more efficient.

1 is a block diagram of a prepaid credit card payment system according to a preferred embodiment of the present invention.

2 is a block diagram of a database for prepaid credit card payment according to a preferred embodiment of the present invention.

3 is a flowchart of a payment method of a prepaid credit card according to a preferred embodiment of the present invention.

4 is a flowchart of a credit card payment method of a prepaid payment credit card system according to a preferred embodiment of the present invention.

DESCRIPTION OF THE PREFERRED EMBODIMENTS Preferred embodiments of the present invention will now be described in more detail with reference to the accompanying drawings in which: FIG. It should be understood, however, that the present invention may be embodied in many different forms and should not be limited to the described embodiments. It should be noted that the following examples are intended to be illustrative and to sufficiently convey the spirit of the present invention to those skilled in the art. It should also be noted that detailed descriptions of well-known functions and configurations in the art that may unnecessarily obscure the subject matter of the present invention are omitted.

As shown in FIG. 1, a prepaid payment credit card payment system according to an embodiment of the present invention includes a transaction approval terminal 12 that provides a user interface for obtaining a transaction approval for sales through a credit card; A communication network for interconnecting the Internet 14 and the PSTN 16, the mobile communication switching system 20 connected to the Internet 14 and the PSTN 16, and the wireless base station 22 connected to the mobile communication switching system 20 connected thereto for data and voice exchange switching; A credit card service provider main computer 28 connected to the transaction approval terminal 12 through a communication network and processing computing operations related to credit card work; It is connected to the transaction approval terminal 12 through a communication network, and includes a bank institution main computer 38 for processing the computational work associated with the debit card business. Here, the transaction approval terminal 12, the credit card main computer 28 and the bank institution main computer 38 may be connected through a separate leased line (via a relay company), may be connected via the Internet 14 or PSTN 16.

In addition, each of the credit card main computer 28 and the bank institution main computer 38 each of the database 32 and 42 that stores a variety of information for the computational work related to the credit transaction work of the members of the main card MC or sub-card SC, A general telephone 18 and a credit card computer 20 and a bank computer 40, which are connected to the transaction approval terminal 12 through a communication network and handle computing operations related to credit card business, through a PSTN 16, a wireless base station 22, and a mobile communication exchange system 20. Receives information transmitted from a user terminal such as a mobile phone 24 and supplies it to the credit card computer 30 and the bank computer 40, transmits a message output from the credit card computer 30 and the bank computer 40 to the user terminal MMC ( ARS 34 and 44 interface man machine communication, credit card computer 30 and bank computer Each connected to 40 and is composed, including the SMS server 34, and 44 for transmitting SMS champignon to the portable telephone in response to the mobile phone number and a message outputted from each of them.

In the above configuration, each of the credit card computer 30 and the bank computer 40 is the database 32 according to the charging instruction of the main card MC user by the user terminals, for example, the general telephone 18, the mobile telephone 24, the client computer 26, and the like. Alternatively, after filling a predetermined amount in a virtual account linked to a payment account of the main card MC within 46, postpay or debit payment is made to the payment account, and a sales transaction approval request message of the sub card SC issued in correspondence to the virtual account is issued. Upon receipt from the transaction approval terminal 12, a transaction approval message is transmitted to the transaction approval terminal 12 within the balance range of the virtual account of the sub card SC so that a credit transaction is performed.

For the above operation, each of the ARS 34 and 44 in the credit card computer 30 and the bank computer 40 is automatically answered by a user of the main card MC by a call of a user terminal such as a general telephone 18 or a mobile telephone 24. Transmits a guide voice message to the user terminal, receives a control command (eg, a digit for selecting a specific function as a DTFC signal) transmitted from the user terminal, and provides the same to the credit card computer 30 and the bank computer 40. Has the function to

2 schematically illustrates a database for prepaid credit card payment in accordance with a preferred embodiment of the present invention. Referring to FIG. 2, when an account is opened by a card company or a bank and a member is registered as a member, an area in which various information for processing a member and a credit card is stored is stored. For example, there is provided a storage area in which a member number, card information, member information, account information, restriction information, usage information, balance information, and link information indicating a link state between a main card and a sub card are recorded.

The member number is stored in the member number area, and issued card information, for example, card number, information for distinguishing the main and sub, holding information of the sub card, and the like are recorded in the card information area. In the member information area, various kinds of information are stored so that the credit card business or debit card business can be viewed smoothly, such as member information (resident number, address, name, mobile phone number, e-mail address, payment date and authentication information). In this case, the authentication information may be provided as a separate authentication database.

In the account information area, the account information actually settled according to the type of card issued, that is, the type of main / sub or master / slave, does not exist. However, virtual account information for payment by sub / slave transaction approval is recorded. At this time, the virtual account is assigned only to the sub card. Further, in the account information area, restriction information indicating whether a credit limit or a transaction limit is limited is recorded.

In the restricted information area, credit limit information (use limit information) determined by a credit card company or a bank and usage limit information set by a user of the main card MC are stored. Bad credit information may also be recorded, indicating that you are a bad creditor. At this time, the usage restriction information corresponds to the sub card SC, which is set by the user of the main card MC. The usage restriction information is set as the usage limit (per one week total usage limit), one-time usage period, monthly total usage limit, etc. according to the period. Such usage restriction information is logged in to the credit card computer 30 or the bank computer 40 by the user of the main card MC using a general telephone, through the ARS 24 in the credit card main computer 28 or the ARS in the bank main computer 38. Restriction information within 46 may be changed. The credit card computer 30 and the bank computer 40 can also be accessed and changed using a client computer 26 capable of connecting to the Internet 14. In addition to the above method, a method of using a portable telephone 24 equipped with a web browser function to enable wireless Internet is also applied.

In the usage information area, the usage information and transaction approval information of the main card MC or subcard SCs are stored, and the usage information area of the subcard SCs further includes approval information approved by the corresponding main card MC.

In the balance information area, the remaining balance information is stored after deducting the transaction approved amount from the approved amount. For example, in the case of the main card MC, the balance information that can be postpaid is stored, and in the case of the sub card SC, the settlement information of the balance remaining in the virtual account is stored.

Finally, the link information stores relation ship information for searching the subcard SC linked to the payment account of the main card MC, which is used when creating a virtual account linked to the payment account of the main card MC. Information on the search path for searching the main card MC / sub card SC is stored in the database area of the card SC.

The configuration of the database as shown in FIG. 2 is an embodiment for promoting the use of the sub-card SC by linking with the payment account or the card number of the main card MC. It should be noted that depending on the company, it may be changed in various forms or constructed in different forms.

3 is a flowchart of a payment method of a prepaid payment credit card according to a preferred embodiment of the present invention, which means that a client, that is, a user of the main card MC, uses a telephone, a mobile phone, and a computer with Internet access to his / her payment account. It is to explain the operation of the credit card computer 30 and the bank computer 40 to fill the virtual account of the linked sub-card SC, set the utilization of the sub-carb SC, and approve the limit.

4 is a flowchart of a credit card payment method of a prepaid payment credit card system according to a preferred embodiment of the present invention, in which a user of a sub-card SC makes a purchase and receives a transaction approval request message from a transaction approval terminal 12 of a corresponding affiliated store; To explain the operation of the credit card computer 30 and the bank computer 40.

Referring to the operation of the preferred embodiments of the present invention in detail with reference to the drawings of FIGS. 1 to 4 described above, the case where the user of the main card MC is a post-payment card member subscribed to a credit card company is preferred. Will be explained. In addition, it is assumed that the main card MC and the sub-card SC is a combined non-contact (RF) traffic card that can pay the transportation fee.

(1) Issuance of a subcard with a virtual account linked to the payment account of the main card

The present invention, the user of the main card MC issued a credit card (including all credit cards issued by post-pay credit cards and other distribution services issued by credit card companies) offline (connected through the call center of the credit card company call center) Or requesting the issuance of a subcard SC linked to your payment account via online (access to the website via the Internet-which will be explained more clearly by the description below) to allow prepaid or debit payments. The operator or bank generates a virtual account linked to the payment account of the main card MC, and issues a sub card SC that can be linked to the virtual account to make a credit transaction. At this time, the credit card computer 30 records the member number of the location where the virtual account of the sub card SC is created in the link information area of the main card MC in the database 32 as shown in FIG. 2 according to a control command of the management console. The membership number of the main card MC is recorded in the link information area of the sub card SC to complete the relation (link) of the database. For example, if the user of the main card MC (member number 0001) requests issuance of a sub card SC, the link information area of the main card MC (member number 0002) of the newly issued sub card SC (member number 0002) or card number. Is stored, the member number or card number of the MC (member number 0001) should be stored in the link information storage area of the sub card SC.

The virtual account is generated by inputting a virtual account generation command linked to the payment account of the main card MC using a console terminal (not shown) connected to the credit card main computer 28. In addition to this method, the user of the main card MC logs in to the websites provided by the credit card main computer 30 and the bank main computer 40 using the client computer 26, and pays the main card MC according to the contents of the sub card issuance guide. The virtual account linked to the account can be created to apply for issuance of the subcard SC. At this time, the link information of the main card MC and the sub card SC is recorded on the database as described above.

At least one virtual account linked to the payment account of the main card MC is preferably five or more. That is, it is preferable that the number of sub-cards SC prepaid or debited is linked to the payment account of one main card MC to be five. However, it should be noted that the number of created virtual accounts can be increased or decreased as needed. When the sub card SC linked to the payment account of one main card MC is issued by the above process, the user of the main card MC charges the desired amount to the virtual account of the sub card SC within the credit limit. The utilization amount of the charged amount should be set. Of course, the setting of the utilization is made to be optional, and this process will be more clearly understood by the following description.

(2) Subcard virtual account charging, mobile limit setting and limit over-approval

The user holding the main card MC should charge the virtual account of the sub card SC linked to his payment account and set the utilization of the charged amount. In addition, when there is a request for approval of the excess limit by the sub-card SC, it may be selectively approved or ignored. The operation process thereof is as follows.

A credit card computer is used by a user of the main card MC to charge an available amount of the sub card SC or by using a user terminal such as a general telephone 18, a mobile phone 24 and a client computer 26 shown in FIG. 30, the credit card computer 30 detects the connection state in step 50 of FIG. 3A and transmits a response message to the user side of the main card MC. For example, if the user of the main card MC dials the call center telephone number of the credit card company using the general telephone 18 or the mobile telephone 24, the call generated by the user terminal is known as PSTN 16 or the wireless base station 22. The mobile communication exchange system 20 and PSTN 16 connect to ARS 34 in the credit card operator's main computer 28. At this time, the ARS 34 automatically responds to the call and delivers a voice message for log-in to the telephone 18 or the mobile telephone 24 which is the user terminal. At this time, the response message for logging in may be a credit card number and password or a social security number and password.

When the user of the main card MC inputs information according to the log-in guide message using the phone 18 or the mobile phone 24, the ARS 34 analyzes the input information to determine whether the subscriber is a valid subscriber. In other words, it is determined whether the credit card is a member of a true own company, and if a true subscriber, the log-in information is transferred to the credit card computer 30 so that the MMC is performed between the user of the credit card computer 30 and the main card MC. Interfaces forwarded messages in. In the present invention, an example in which the ARS 34 determines whether or not the subscriber is a true subscriber is described. However, the operation may be performed by the credit card computer 30. In this case, the ARS 34 only needs to perform interfacing of the MMC.

If the user of the main card MC is operated on the credit card computer 30 using the client computer 36, the URL of the website for providing content related to the business of the credit card and receiving information transmitted from the other party ( In the case of a uniform resource locator, as is well known, the client computer 26 and the credit card computer 30 are connected through the Internet 14. At this time, the credit card computer 30 detects a connection of the client computer 26 and transmits web content having various log-in, information message and menu bars for selecting a corresponding function to the client computer 26. In this state, when the credit card computer 30 and the client computer 26 are connected, the user of the main card MC inputs a pre-registered personal identification code and password and transmits the login information to provide valid information. Receive or transmit.

When the user terminal is connected through the ARS 34 and the Internet 14 as described above, the credit card computer 30 detects whether the ARS connection or the Internet connection in step 50 of FIG. If it is determined that the connection is made through ARS 34, the credit card computer 30 transmits a usage guide message to the user terminal of the main card MC through ARS 34 in step 52 of FIG. 3A, and receives a command code in step 54. Search for. Here, the usage guidance message means that the credit card company informs the command code of selecting various services provided to the subscriber by voice. If the command code is not received in step 54, the credit card computer 30 waits for a predetermined time in step 55, and terminates the operation according to the present invention if the predetermined time is exceeded.

When a user of the main card MC inputs a command code by using a user terminal (telephone 18 and mobile phone 24), the command code is input to the credit card computer 30 through a smooth path. At this time, the credit card computer 30 determines that the command code is input, and searches whether the command code is a command related to the sub card SC. For example, it is searched for a command for charging an amount of money in the virtual account of the sub card SC, a command for setting and adjusting the utilization amount of the sub card SC, or a command for approving exceeding the limit amount by the user of the sub card SC. If it is not a command related to the search result SC of the command code, the credit card computer 30 executes the command in step 58 of FIG. 3A.

① Charge the virtual account of the subcard SC

If it is determined that the input command is related to the sub-card SC, the credit card computer 30 determines the command code input in steps 60, 76 and 82 of FIG. 3A. If it is determined that the command input in the analysis and judgment process as described above is the charging code, the credit card computer 30 transmits a guide message for charging the amount of money to the virtual account of the sub-card SC in step 62 to the user terminal, and in step 64. The user of the main card MC receives the information of the amount of charge transmitted using the user terminal. In step 70, the credit card computer 30 searches whether a password is input. If the password is not input, the credit card computer 30 searches whether the predetermined time period is exceeded in step 68, jumps to step 84 when the predetermined time period is exceeded, and transmits an error message.

However, if it is determined that the same password as the password stored in the member information area of the database 32 as shown in FIG. 2 is input within a certain time, the credit card computer 30 searches for whether the credit approval limit of the main card MC is exceeded in step 72. If the limit is not exceeded, the corresponding amount is charged to the virtual account of the sub card SC linked to the payment account of the main card MC. At this time, the search of the credit limit exceeded state of the main card MC can be easily detected by analyzing the utilization information stored in the limited information area shown in FIG.

The charge of the virtual account created in the sub card SC is executed by referring to the link information stored in the link information area of the main card MC. That is, when the user of the main card MC having a member number 0001 selects a charging command as shown in FIG. 2, the credit card computer 30 stores the member number or card of the other party stored in the link information area of the main card MC in the database 32 of FIG. 1. By accessing the number, the position of the sub card SC is searched in the database 32, and the amount charged by the user of the main card MC is charged in the virtual account recorded in the account information area of the found sub card SC.

The credit card computer 30 records the amount of information charged in the sub-card SC in the usage information area of the main card MC as the usage history, and is stored in the limited information area of the database 32 of the main card MC as shown in FIG. Deduct credit line. In addition, the amount information filled in the virtual account of the sub-card SC in the account information area of the main card MC is recorded to be settled on the payment date. As described above, the credit card computer 30 having completed the settlement of the payment account by charging the amount set by the user of the main card MC to the sub card SC linked to the payment account of the MC is the virtual account of the sub card SC in step 74 of FIG. In step 54, a message indicating that the set amount of money has been charged is transmitted to the user terminal.

As described above, the user of the main card MC, which has issued the sub card SC linked to the payment account of the main card MC, uses the user terminal such as the telephone 18 or the mobile phone 24, etc. When the predetermined amount is charged to the virtual account of the, it can be seen that the charge amount is immediately postpaid within the credit approval limit of the main card MC. In addition, it can be seen that the amount charged in the virtual account of the sub-card SC is used as a prepaid card that can be charged with the amount (money) of the post-payment is completed in the linked account of the main card MC.

Therefore, the payment of the main card MC subscribed to the credit card provider as a credit card member is postpaid payment, and the payment of the sub card SC linked to the payment account of the main card MC is prepaid. It is to issue a prepaid card in which the usage amount is adjusted by the user.

② Setting the utilization of the amount charged in the virtual account of the sub card SC

If it is determined that the command inputted in the above-described command code search process is a limit setting command, the credit card computer 30 transmits a guide message for setting the limit amount according to the used amount, the use period, and the total use limit amount in step 78. Then, according to the input, the amount of the used information is recorded in the restriction information area and the account information area of the sub card SC of the database 32 as shown in FIG.

For example, the guide message "When setting the total usage limit, select No. 1 and enter the limit amount, and when setting the weekly usage limit, select the number 2 and enter the limit amount, and use it once. If you want to set a limit, select 3 and enter the limit. " When the user of the main card MC who listens to the above guide message selects the corresponding command code using the user terminal and then selects the utilization amount of the sub card SC, the credit card computer 30 uses the database 32 as shown in FIG. The usage restriction information is set and recorded in the account information area of the sub card SC linked with the main card MC, and the usage and usage information stored in the restriction information area are updated.

By the above operation, the utilization of the sub card SC linked to the payment account of the main card MC is limited to various forms, thereby preventing the uncontrolled economic activity of the user of the sub card SC in advance.

③ Approval of excess limit at the request of the user of the subcard SC

The present invention permits a credit transaction exceeding the usage limit set in the sub-card SC by allowing a usage amount over-approval request by the user of the sub-card SC. If the amount of sales requested for transaction approval exceeds the limit, the request for approval of the excess limit, the place of purchase and the authorization number generated by the credit card computer 30 are carried by the user of the main card MC as required by the subcard SC. It is sent as an SMS message to the mobile phone. This over-approval request message and the authentication number will be more clearly understood by the operation description to be described later.

After the user of the main card MC connects to the credit card computer 30 by the same process as described above using the user terminal, and inputs a usage approval code command, the credit card computer 30 receives the usage approval command in step 82 of FIG. Judging that it is entered. At this time, the credit card computer 30 transmits an authentication number input message to the user terminal asking whether to approve in response to the usage approval request in excess of step 86, and outputs the ARS 34 whether the authentication number is received in step 88. Read by searching. When the user of the main card MC inputs a previously notified authentication number using a user terminal, the credit card computer 30 searches whether the authentication number input in step 92 of FIG. 3A is a valid authentication number. That is, it is searched whether the authentication number matches the authentication number previously transmitted to the mobile phone of the main card MC. At this time, if the authentication number is not entered or a valid authentication number is not entered within a certain time, the credit card computer 30 terminates after sending an error message to the user. If it is determined that the valid authentication number is transmitted from the user terminal in step 92, the credit card computer 30 generates information allowing the approval request of the SC in step 94 and records the information in the restriction information area of the database as shown in FIG. do. Thereafter, when the same transaction approval request is received from the same transaction approval terminal 12 within a preset time, the credit card computer 30 permits the transaction request.

The above operation is explained using the case where the user logs in to the credit card computer 30 through the ARS using the general telephone 18 and the mobile phone 24. However, even when the user logs in to the credit card computer 30 using the client computer 26, The operation is the same. Referring to FIG. 3B, when the computer 26 is connected as a user terminal, the initial log-in content is transmitted to the computer 26 in step 96. In this case, the content transmitted to the computer 26 always includes a menu bar for selecting the next content or command. The user selects a command according to the content of the content displayed on the screen of the computer 26, and writes the content in a form to be transmitted as the content. In other words, it is transmitted to a screen such as a text or a picture instead of the transmission of the guide message of FIG. 3A, and that the user inputs is provided in the form of content instead of the destruction. Processes 98 to 114 of FIG. 3B correspond to processes 54 to 74 of FIG. 3A, and processes 116 to 120 of FIG. 3B correspond to processes 76 to 80 of FIG. 3A, and processes 122 to 134 of FIG. 3B. Corresponds to processes 82 to 94 of FIG. 3A. Therefore, those who understand the operation process of Figure 3a will see that the operation process by the connection of the Internet is the same.

As described above, in the present invention, when there is a request for approval of the excess limit of the transaction amount exceeding the usage amount from the user of the sub card SC, the user is notified of the approval of the main card MC linked with the sub card SC. In this case, by making a transaction, it is possible to make a payment faster than a necessary transaction. In addition, when the user of the sub-card SC is a minor child, the parent (user of the MC) can check the transaction price and other (purchase article information, etc.) from a long distance to prevent the unlimited consumption in advance.

(3) Payment by Subcard's Transaction Approval Request and Excess Limit Approval Request

When the user of the sub-card SC purchases the goods at the credit card merchant and pays with the sub-card SC, a transaction approval request message is transmitted from the merchant approval terminal 12 of the merchant to the credit card computer 30. The same applies if the subcard SC is used to pay for the transportation.

When the transaction approval request message is received from the transaction approval terminal 12, the credit card computer 30 reads the card information included in the transaction approval request message to search whether the sub card SC is detected in step 136 of FIG. If it is determined, the credit card computer 30 performs process 138 to perform transaction approval and payment of a general credit card. If the card information recorded in the card information area of the database 32 is determined as the sub card SC, the card information of the sub card SC, for example, a virtual account and a link corresponding to the sub card SC in the database 32 as shown in FIG. Read the information and store it in temporary storage. This process can be omitted if necessary. In step 142, the credit card computer 30 determines whether the transaction approval request sent from the transaction approval terminal 12 is a credit sales or a transportation fare payment. This can be easily detected by the identification of the transaction approval request terminal 12.

When the credit card computer 30 determines that the credit result is the result of the search, the credit card computer 30 determines whether the sub-card SC is limited to payment (use limit) in step 162 based on the information recorded in the restricted information area of the sub-card SC.

In step 162, if it is determined that the payment is restricted SC, the credit card computer 30 accesses the restriction information of the sub-card SC in step 164, and determines whether the amount of sales exceeds the limit balance (use limit) in step 166. . If it is determined that the sales amount of the sub card SC is less than the balance and the utilization of the virtual account, the credit card computer 30 transmits a transaction approval message to the transaction approval terminal 12 in step 176 to allow the credit transaction to be performed. . Thereafter, the credit card computer 30 performs the process of step 178 to settle the limited balance of the sub-card SC (use of the limit of use), and settle the account settlement by deducting the transaction approved amount from the amount of the virtual account. The credit card computer 30, which calculates the amount of the virtual account of the sub card SC by the above process, uses the link information stored in the link information area of the sub card SC in step 179 of FIG. The mobile phone number of the stored main card MC is read, and the authorized sales history is transmitted to the user of the main card MC through the SMS server 36.

If it is determined that the sales amount exceeds the balance and the utilization amount of the virtual account, the credit card computer 30 indicates that the payment cannot be made to the transaction approval terminal 12 in step 168. Send a message to ask the user of the main card MC. In operation 170 of FIG. 4, the credit card computer 30 determines whether or not an excessive approval request message is received from the transaction approval terminal 12. At this time, when the user of the sub-card SC transmits the excess authorization request message to the credit card computer 30 using the transaction approval terminal 12, the credit card computer 30 is the database 32 as shown in FIG. The mobile phone number stored in the member information area of the main card MC linked with the sub card SC is accessed using the link information stored in the link information area of the sub card SC. Then, the credit card computer 30 transmits a message and an authentication number to the mobile phone of the accessed main card MC through the SMS server 36 asking whether to approve the excess limit. In addition, the credit card computer 30 stores the authentication number transmitted to the mobile phone of the main card MC in the member information area of the sub card SC or stored in a separate authentication database (not shown) in step 174 of FIG. Repeat the reception.

On the other hand, if it is determined that the payment has not been made for the sub-card SC requested for the transaction approval in step 162, the credit card computer 30 is sold within the balance of the virtual account stored in the account information of the sub-card SC. Win a deal of the amount. That is, in step 180 of FIG. 4, the balance of the virtual account stored in the account information area of the sub card SC is read, and in step 182, the balance of the virtual account exceeds the sales price. If the balance of the virtual account exceeds the payout amount, the credit card computer 30 transmits a transaction approval message to the transaction approval terminal 12 at step 184 to allow credit transactions. Thereafter, the credit card computer 30 performs the process 186 to settle the account payment by subtracting the approved amount from the charged amount of the virtual account of the sub-card SC, and in step 189, the transaction approved for the user of the main card MC. Send the details. If it is determined that the amount of sales exceeds the balance of the virtual account, the credit card computer 30 performs steps 168 to 174.

Therefore, the user of the sub-card SC according to the present invention can know that the user of the main card MC can perform credit transactions within the range of the amount and the utilization range charged in the virtual account. The user can control accordingly. In addition, when purchasing an indispensable item with a price exceeding the utilization level, the user can use the main card MC's permission to perform a credit transaction, thereby preventing the use of a card that is insecure by the sub card SC user.

On the other hand, if it is determined in step 142 that the transaction approval request is not a credit sales, the credit card computer 30 reads the balance of the virtual account stored in the account information area of the sub-card SC in step 144, and in step 146 of the virtual account. Search if the balance exceeds the payout. When the balance of the virtual account exceeds the payout amount, the credit card computer 30 transmits a transaction approval message to the transaction approval terminal 12 in step 150 to settle the transportation fee. Thereafter, the credit card computer 30 setstles the virtual account payment by deducting the transportation charges paid from the amount charged in the virtual account of the sub card SC. If it is determined in step 146 that the balance of the virtual account is less than the transit fare requested for the transaction approval, the credit card computer 30 determines that the balance of the main card MC stored in the link information area of the sub card SC is changed in step 148. Pay the transportation fee of the sub-card SC, and send the transaction approval message to the corresponding transaction approval request terminal.

As described above, when the balance of the virtual account of the sub card SC having the traffic card function is insufficient, payment of the transportation fee may be made by using the payment account of the sub card SC to promote use of a credit card. In addition, if the user of the sub-card SC is a child of the user of the main card MC, the traffic card can be spread by using it as a simple traffic card.

As described above, the prepaid credit card system according to the present invention generates a virtual account linked to the postpaid billing account of one main card MC to issue a sub card, and the user of the main card MC Properly set up to monitor their usage can prevent abuse of the card. Also, credit card-based gift certificates are promoted by deducting the transaction amount in the form of direct debit by charging the immediately available money in the virtual card of the subcard SC from the payment account of the main card MC of the postpaid card method. You can expand the tax revenue.

The bank institution main computer 38, which is not described in FIG. 1, is a case where the main card MC is a debit card issued by a bank. Normally, debit cards can only be used when there is a balance in the bank account. In this case, the limited information of the main card MC is replaced by the account balance, not the credit limit. Therefore, it can be seen that the debit account of the main card MC is operated while the account is transferred to the virtual account of the sub card SC. The present invention even claims such a technical idea. In this case, the user of the subcard SC can receive all servicestm provided by the bank. In other words, the ATM can immediately withdraw cash within the balance of the virtual account.

In addition, in the above embodiments, a virtual account linked to the payment account of the main card has been described, and an example of issuing and operating a sub card corresponding to the virtual account has been described. It is possible to set and to apply a method of payment of the transaction price in the payment account of the main card, it is clear that this technical concept is also within the scope of the present invention.

In addition, in the above-described embodiment, only the examples of the postpaid card and the debit card have been described. However, if the user fully understands the above contents, it should be recognized that the technical spirit of the present invention can be applied as it is to the electronic payment using a mobile phone.

As described above, the present invention links a subcard linked to a payment account of a main card to at least one or more debit payment cards, and uses the subcard as a user of the main card (financial manager at home / company). By appropriately setting / limiting the consumption of family members / corporate members can be planned. In addition, it is possible to facilitate the issuance (issuance) of credit card-based debit cards (prepaid debit cards), thereby making the tax source transparent and strengthening the national economy.

Claims (28)

In a credit card system, A transaction approval terminal providing a user interface for obtaining a transaction approval for the amount of sales through the credit card; At least one user terminal connected to a communication network by wire or wirelessly to transmit and receive data; At least one virtual account is linked to a payment account of one main credit card, and authorization limit information, usage information, balance information, etc. of at least one sub credit card issued in correspondence with the virtual accounts may be stored. A database; A predetermined amount of money is connected to the transaction approval terminal and the user terminals through the communication network and linked to a virtual account linked to the payment account of the main credit card in the database according to a charging instruction of the main credit card user by the user terminals. After paying the post-payment to the payment account, and receives a transaction transaction approval request message of the sub-credit card issued corresponding to the virtual account from the transaction approval terminal to receive a transaction approval message within the balance of the virtual account Credit card system, characterized in that configured as the main credit card for transmitting to the transaction approval terminal. The database of claim 1, wherein the credit card computer stores the mobile number of the main credit card linked to the virtual account of the sub credit card and the transaction history of the sub credit card whenever the sales approval of the sub credit card occurs. And a message of the transaction approval history of the sub credit card to the accessed mobile phone number to the mobile phone of the main credit card through an SMS server. 2. The credit card computer of claim 1, wherein the credit card computer receives the utilization information of the sub credit card linked to the payment account of the main credit card in response to the utilization setting of the sub credit card by the user terminals of the main credit card. Credit card system for storing in the database. The mobile phone number of the user of the main credit card linked with the sub credit card in response to receiving the excess credit approval request message of the sub credit card from the transaction approval terminal. Accessing the number from the database, and transmitting the exceeded authorization request message and the authentication number to the accessed mobile number. The credit card computer of claim 4, wherein the credit card computer acknowledges the transaction of the excess authorization request in response to receiving the excess authorization message and the transmitted authentication number from the user terminal of the main credit card. Card system. The credit card system of claim 1, wherein the main credit card and the sub credit card are traffic cards capable of paying a transportation fee. The credit card system according to claim 6, wherein the requested transportation fare is paid from a payment account of the main credit card when a request for payment of the transportation fare of the sub credit card is received from the transaction approval terminal. In a credit card system, A transaction approval terminal providing a user interface for obtaining a transaction approval for the amount of sales through the debit card; At least one user terminal connected to a communication network by wire or wirelessly to transmit and receive data; At least one virtual account is linked to a payment account of one main debit card, and a database storing authorization limit information, usage information, balance information, etc. of at least one subdebit card issued in correspondence with the virtual accounts. Wow; A predetermined amount of money is connected to the transaction approval terminal and the user terminals through the communication network and linked to a virtual account linked to the payment account of the main debit card in the database according to a charging instruction of the main debit card user by the user terminals. After charging the payment in the payment account, and receives a transaction transaction approval request message of the sub-debit card issued corresponding to the virtual account from the transaction approval terminal, the transaction approval message within the balance range of the virtual account; A credit card system comprising a bank computer transmitting to a transaction approval terminal. 10. The method of claim 8, wherein the bank computer checks the mobile number of the main debit card linked to the virtual account of the sub debit card and the transaction history of the sub debit card whenever the sales approval of the sub debit card occurs. And a message of a transaction approval history of the subdebit card to the cell phone of the main debit card through an SMS server. The method of claim 8, wherein the bank computer is configured to display utilization information of the subdebit card linked to a payment account of the main debit card in response to the utilization setting of the subdebit card by the user terminals of the main debit card. Credit card system, characterized in that stored in a database. 10. The mobile number of the user of the main debit card linked to the subdebit card in response to receiving the excess credit approval request message of the sub credit card from the transaction approval terminal. Accessing from the database, and transmitting the exceeded authorization request message and authentication number to the accessed mobile number. 11. The credit card of claim 10, wherein the bank computer approves the transaction for the excess authorization request in response to receiving the excess authorization message and the transmitted authentication number from the user terminal of the main debit card. system. The credit card system according to claim 8, wherein the main debit card and the sub debit card are debit cards capable of paying transportation fare. The credit card system according to claim 8, wherein the requested transportation fee is paid from a payment account of the main debit card when a request for payment of the transportation fee of the subdebit card is received from the transaction approval terminal. In the credit card settlement method, A card issuing step of generating at least one virtual account linked to a payment account of the main credit card, storing it in a database, and issuing a sub credit card in response to an issued request of a sub credit card of a main credit card user; Charging to store authorization limit information such as one-time usage period, period usage limit, etc. of the sub credit card in the database according to the request of the main credit card user, and charge the virtual account with the amount corresponding to the post-payment of the payment account. And use degree setting step; In response to a request for approval of sales of the subdebit card from a transaction approval terminal of a card merchant, if the amount requested for approval is within the approval limit information range of the virtual account of the sub-credit card, the sales are approved, and the virtual account is charged. Revenue payment step of reducing the amount; And a transportation fare payment step of paying the approved transportation fare in the payment account of the main credit card in response to the detected sales state being a transportation fare sales. 16. The method of claim 15, wherein the sales settlement step, in response to the amount of the transaction approval request exceeding the usage authorization range set in the virtual account of the sub credit card, approves the excess limit to the mobile phone of the user of the main credit card. Credit card payment method further comprises a processing step of transmitting a request message and the authentication number. 17. The method according to claim 15 or 16, wherein the limit of use approval limit information is increased by an amount requested for the excess limit authorization from the user terminal of the main credit card linked to the virtual account of the sub credit card. Credit card payment method characterized in that it further comprises a step. The database of claim 15, wherein the credit card computer stores the mobile number of the main credit card linked to the virtual account of the sub credit card and the transaction history of the sub credit card whenever the sales approval of the sub credit card occurs. And a message of transaction approval history of the sub credit card to the accessed mobile phone number through the SMS server to the mobile phone of the main credit card. The credit card computer of claim 18, wherein the credit card computer approves the transaction for the excess authorization request in response to receiving the excess authorization message and the transmitted authentication number from the user terminal of the main credit card. Card payment method. The credit card payment method of claim 15, wherein the main credit card and the sub credit card are traffic cards capable of paying a transportation fee. The credit card payment method according to claim 20, wherein the requested transportation fare is settled in the payment account of the main credit card in response to a request for approval of a transportation fare transaction of the sub credit card from the transaction approval terminal. . In the credit card settlement method, A card issuing step of generating at least one virtual account linked to a payment account of the main debit card, storing it in a database, and issuing a subdebit card in response to an issuance request of the subdebit card of the issued main debit card user; According to the request of the main debit card user, the limit information of the one time use, the period usage limit, etc. of the sub debit card is stored in a database, and the amount according to the user's request is calculated from the payment account of the main debit card. A transfer and usage setting step of transferring to a virtual account of a subdebit card; In response to a request for approval of sales of the subdebit card from a card merchant approval terminal, if the amount of the requested authorization is within the approval limit information range of the virtual account of the subdebit card, the sale is approved, and the amount of the virtual account is charged. Reducing sales payment step; And a transportation fare payment step of paying the approved transportation fare in the payment account of the main debit card in response to the detected sales state being a transportation fare sales. 23. The method of claim 22, wherein the sales settlement step acknowledges the amount exceeded by the user's mobile phone of the main debit card in response to the amount of the transaction approval request exceeding a usage authorization range set in the virtual account of the sub debit card. Credit card payment method further comprises a processing step of transmitting a request message and the authentication number. 24. The method according to claim 22 or 23, wherein the limit of the use approval limit information is increased by an amount requested for the excess limit authorization from the user terminal of the main debit card linked to the virtual account of the sub debit card. Credit card payment method characterized in that it further comprises a step. The database of claim 22, wherein the credit card computer stores the mobile number of the main debit card linked to the virtual account of the sub debit card and the transaction history of the sub debit card whenever the sales approval of the sub debit card occurs. And a message of transaction approval history of the sub debit card to the accessed mobile phone number through the SMS server to the mobile phone of the main debit card. The credit card computer of claim 25, wherein the credit card computer acknowledges the transaction of the excess authorization request in response to receiving the excess authorization message and the transmitted authentication number from the user terminal of the main debit card. Card payment method. The credit card payment method of claim 25, wherein the main debit card and the sub debit card are traffic cards capable of paying a transportation fee. 28. The method of claim 27, wherein the requested transportation fare is settled in the payment account of the main debit card in response to a request for approval of the transportation fare of the subdebit card from the transaction approval terminal. .