KR20030075851A - Card settlement system and operation method - Google Patents

Abstract

PURPOSE: A card settlement system and a method for managing the same are provided to pay off only a bad debt cost generated during a regular period and to compensate a specific group(or a party or an affiliated store that a specific group appoints) for a bad debt cost not generated. CONSTITUTION: An affiliated store(100), a mobile service company(200), a bank(300), and an intermediation company(400) are connected through the Internet(500). The intermediation company(400) comprises a web server(410), a firewall(420), a domain name server(430), a data DB(450), a backup DB(460), a router(480), and a gateway(470). The affiliated store(100) comprises a mobile terminal(110) connected with the mobile service company(200) through a WAP(Wireless Application Protocol)-based TCP/IP. The mobile service company(200), connected to the router(480) by a leased line, is connected to the web server(410) and the data DB(450) through the router(480). The affiliated store(100) accesses the web server(410) of the intermediation company(400) through the mobile terminal(110) and searches for the transaction details of the affiliated store(100) in real time. The bank(300), connected with the gateway(470) by a leased line, is connected to the data DB(450) and the backup DB(460).

Description

Card settlement system and operation method

The present invention relates to a card payment system and a method of operation, and more specifically, classified into a specific group of business types of merchants, and transactions with merchants through purchase-only cards or merchant reward type cards issued to buyers or retailers in the intermediary terminal. The company records and manages the transaction details for a certain period of time, and writes down only the credit costs incurred during the period, but the credit costs not incurred are designated by a specific group or by a group or affiliated store. The present invention relates to a card payment system and an operation method to compensate for credit costs.

Generally, commodity systems, such as liquor systems, are divided into manufacturers, wholesalers, and retailers, and there is a risk of bankruptcy due to the handling of bills and checks (checks, households, etc.) between wholesalers and retailers.

In addition, there is a disadvantage that the purchase processor associated with the receipt of goods between the wholesaler and the retailer and the payment thereof is not computerized.

Thus, the introduced system is a purchase-only card system, because it is a debit card system, it is inconvenient to pay only when the bank has cash.

On the other hand, various problems have been derived to steal payment systems such as credit cards.

That is, the payment method through a card includes a card user, a merchant and a card company. If the card user purchases goods from a merchant and pays for the goods with a card, the merchant is a credit card company online. When the credit information and payment request is approved and the payment approval is received, the card user receives the goods, and the merchant receives a reduced fee from the credit card company to the bank account, and the credit card company Is billed for the goods on the payment day of the card user to recover the cost of purchasing the goods from the card user.

However, in the above payment system, the credit card company may reduce a certain fee including credit cost, interest, and office operation cost (administrative cost) of the amount of goods purchased by the card user, and then send the goods to the merchant. Therefore, when the card user normally handles the cost of goods, the affiliated store receives only the money that the credit card company has already reduced the cost of other affiliates, and thus has a problem in that the merchant does not have to pay the fee. do.

In addition, since the card payment period is used for at least 23 days up to 57, depending on the date purchased by the card user, the merchant has a problem that the fee is increased.

The present invention is a card payment system between a wholesaler and a retailer, such as a general credit card, so that the payment period used for at least 23 days up to 57 days depending on the date of use of the card is to be set in approximately 10 days. This is to reduce the cost paid by wholesalers (hereinafter referred to as merchants).

In this way, credit card fees that currently cannot be lowered to less than 1.5% at each card company can be drastically lowered to 1% or less in consideration of merchant compensation.

In order to solve the above problems, the present invention is classified into a specific group for each business type of the merchant, and the sales transaction for a certain period of transaction history with the merchant through a purchase-only card issued to the buyer or retailer in the intermediary terminal It manages the details by data and only writes down the credit cost incurred during the above period, but the credit cost that is not incurred is to be compensated for the credit cost by a group or a group designated by a specific group. There is a purpose.

1 is a block diagram showing a schematic configuration of a card payment system and operation method according to the present invention.

Figure 2a and Figure 2b is a block diagram showing the data flow of the card payment system and operation method according to the present invention.

* Description of the symbols for the main parts of the drawings *

100: merchant 110: merchant terminal

200: mobile carrier 300: bank

400: Broker 410: Web Server

420: firewall 430: domain name server

450,460: DB470: Gateway

480: Router 500: Internet

As a means for achieving the present invention, in the card payment system to deliver the goods between the merchant and the retail, and to pay for it, wireless data communication is possible, the base station of the mobile communication company according to the transaction history of the merchant An affiliated store terminal for transmitting and receiving various data information; A bank terminal for approving transaction details according to the purchase of goods between the affiliated store and the retail store, and transferring the bank account of the affiliated store; A web server that provides a homepage as a terminal connected online, a firewall that protects internal resources, a domain name server that converts an affiliate's URL into an IP address, a data database that stores transaction history between the affiliated store and a retail store, and an external device. A broker comprising a gateway and a router connecting a network and an internal network, and the merchant terminal, a mobile terminal, a mobile terminal, a terminal, and an internet connection to the broker. The merchant terminal is WAP-based. It is connected to the mobile communication company through a communication protocol of the mobile communication company is connected to the router of the intermediary, characterized in that configured to connect in real time to retrieve the transaction details of the merchants stored in the data DB via a web server.

In the method for brokering the retail store, merchants and banks to pay with the card according to the purchase of goods between the retail store and the merchant, the merchant accesses the web server of the brokerage company, and registers as a merchant through the affiliated store subscription menu of the web server. Transmitting the affiliated store information by recording the registration information and the required number of terminals; The intermediary terminal receives the request for approval by transmitting information to the information transaction bank input from the merchant to be registered as an affiliated store; Providing an affiliated store terminal according to the approval request result and classifying and storing the affiliated store in a specific group unit for each type of affiliated store; The merchant is to send the full transaction request to the brokerage through the merchant terminal if the payment for the purchase price and the payment-only card and reward credit card after the goods delivered to the retail store; When the broker asks the bank for approval again, the bank checks whether normal transactions are possible, and accordingly, pays for the goods from the retail bank account to the merchant bank account and deposits a predetermined fee into the account of the broker. Transferring; The brokerage company sends a processing result to the affiliated store when a normal processing is performed by a bank, and issues a receipt to a retail store online. Checking, by the broker, whether there is a credit loss in the transaction history stored for each affiliate store of a specific group for a certain period of time; When the bad debt occurs, it is characterized by consisting of reducing the cost of bad debts generated and transferring the remaining costs to the bank account of the group or merchant designated by the particular group or a particular group.

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

1 is a block diagram showing a schematic configuration of a card payment system and a compensation method according to the present invention.

As shown, the components for achieving the purchase card payment system and operation method is composed of a network by the merchant 100, the mobile carrier 200, the bank 300, the broker 400 and the Internet 500 The broker 400 includes a value added network (VAN), and the broker 400 includes a web server 410 firewall 420 domain name server 430 data DB 450 backup. DB 460 router 480 and gateway 470 are included.

The affiliated store 100 includes a terminal 110 capable of wireless data communication, but the terminal 110 preferably uses a mobile terminal such as a wireless card payment machine, a PCS, a PDA, an IMT-2000, and the like. ) Is registered with the merchant 100 as a broker 100 and then provided.

In addition, the affiliated store terminal 110 is connected to the mobile communication company 200 by a WAP (wireless application protocol) based communication protocol (TCP / IP), the mobile communication company 200 is a router of the broker 400 480 is connected to a dedicated line, it is connected to the web server 410 and data DB 450 of the broker 400. That is, the affiliated store 100 may access the web server 410 of the broker 400 through a computer equipped with the affiliated store terminal 110 or the wireless modem to search for real-time transaction details of the affiliated store 100.

The bank 300 may be replaced by a credit card company, the operation 300 is connected to the gateway 470 of the broker 400 to a dedicated line, the data DB 450 and the backup of the broker terminal 400 It is connected to the DB (460). The gateway 470 is an X.25 communication protocol for connecting an external network and an internal network.

The merchant 100 connects to the web server 410 of the broker 400 and inputs information such as a bank account, ID, password, and type of business required for registration to the merchant, the broker 400 is a merchant 100 It is preferable to record information such as a bank payment account and a payment method in the web server 410, transmit the information to the transaction bank 300 of the affiliate store 100, receive an approval request, and register the information as an affiliate store.

In addition, the broker 400 categorizes merchants of each type of merchant 100 registered in the web server 410 into a specific group, and the merchant 100 registered in a specific group unit is registered in the data DB 450. Maintain your data.

The web server 410 of the intermediary terminal 400 transmits homepage information from the Internet 500 to a corresponding terminal, and executes the process by an application program corresponding to a menu and input data selected from the homepage information. It transmits data about the data to the terminal.

In addition, the firewall 420 is composed of hardware and software for protecting the information assets in the intermediary terminal 400 and blocking harmful information from the outside when exchanging information through the Internet network 500, IP address, user It protects illegal leakage of internal information by a program that restricts external access by using authentication number and port number.

In addition, the domain name server 430 converts the address of the user connected through the Internet network 400 into data (URL) that can be recognized on the network.

2a and 2b is a block diagram showing the data flow of the purchase card payment system and compensation method according to the present invention.

As shown, the relationship between the retail store and the affiliated store will first be described. The retail store has opened a bank account in a specific bank to issue a purchase payment card or merchant reward type card from the bank 200 or a credit card company. In addition, the affiliated store 100 has also opened a bank account (S601) so that the retailer can deliver the goods and receive payment.

The affiliated store 100 connects to the web server 410 of the broker 400 and records registration information for registering as an affiliated store through the affiliated store 100 registration menu and the number of necessary terminals, and registers the application (S603). If requested, the intermediary terminal 400 transmits the information input from the affiliated store 100 to be registered as an affiliated store to the corresponding bank 200 to make an approval request (S605).

The bank 200 transmits the result of the request for approval of the affiliate store 100 provided from the broker 400 to the broker 400 (S607), and if there is an approval result to the affiliate store 100, the broker ( 400 blows up the affiliated store terminal 110 to the registered affiliated store 100 (S609).

Here, the intermediary company 400 is classified by a specific group unit for each business type of the merchant through the registered merchant 100 information. For example, when the affiliated store 100 is a liquor company, the affiliated store 100 is classified into a liquor company group, and in the case of a chain store, the affiliated store 100 is classified into a chain store group and then registered and stored in each classified group unit in the data DB 430.

The merchant 100 delivers the goods requested by the retailer (S611), and pays the purchase cost according to the purchase payment card (S613) according to the merchant 100 through the merchant terminal 110 through the broker (400) ) Transmits the transaction request text to the request for transaction approval (S615).

In addition, the broker 400 transmits the transaction approval information to the transaction bank 200 of the affiliate store 100 (S617) to check whether the balance of the bank account and normal transaction of the affiliate store 100 is possible, and responds to the response. Transfer to the broker 400 again (S619) and at the same time payment of goods from the retail bank account of the merchant 100 to the bank account of the merchant (S621) and then transfers a predetermined fee to the account of the broker 400 (account transfer) ( S623).

The broker 400 retransmits the full text of the response from the bank 200 to the affiliated store 100 to inform that the transaction is normally processed (S625), and then the affiliated store 100 issues a receipt for proving the transaction details to the retailer. (S627).

The bank 200 transmits the transaction details of the transaction between the merchant 100 and the retail store to the broker 400 in a batch (S629), and when the transaction is received from the bank, the broker 400 is a specific group. The transaction history in which the transaction details of each affiliate store 100 classified as is stored is stored in the data DB 450 for each affiliate store 100.

In addition, the broker 400 checks whether a bad credit has occurred in the transaction details stored for each affiliated store 100 of a specific group for a certain period (for example, every 10 days), and according to the number of bad debts generated. The credit cost of the affiliated store 100 is amortized and the remaining costs are compensated for by unnecessary transfer by transferring the account (S633) to the group or the affiliated store 100 designated by the specific group or a specific group.

Meanwhile, although the preferred embodiments of the present invention have been illustrated and described, the present invention is not limited to the above-described embodiments, and the present invention is not limited to the above-described embodiments without departing from the spirit of the present invention as claimed in the claims. Various modifications can be made by those skilled in the art, and such modifications are intended to fall within the scope of the appended claims.

As described above, the present invention is the card payment system and operation method is that the merchant is unnecessary payment according to the conventional payment period by reducing the risk and payment period of the card by bills and checks traded in the transaction between the merchant and the retail store. It will have the effect of reducing all fees.

In addition, since the damage of the affiliated store is minimized by compensating for the credit cost in various fees that are unnecessarily paid at the affiliated store, it has the advantage of establishing a more stable distribution order.

Claims (4)

In a card payment system that delivers goods between merchants and retailers, and pays for them, An affiliated store terminal 110 capable of wireless data communication and transmitting and receiving various data information according to the transaction history of the affiliated store 100 to a base station of a mobile communication company 200; A bank 300 terminal that approves the transaction details according to the purchase of goods between the affiliated store and the retail store, and transfers a bank account of the affiliated store 100; Web server 410 that provides a homepage to the terminal 110 connected online, firewall 420 protecting internal resources, domain name server 430 that converts the URL of the merchant into an IP address, and the merchant And a broker 400 including a data DB 450 for storing transactions between retailers and a gateway 470 and a router 480 for connecting the external network and the internal network, The merchant terminal 110, the mobile payment company (200) bank card 300, the card payment system, characterized in that further comprises the Internet (500) for connecting the terminal and the broker 400. The method of claim 1, wherein the merchant terminal 110 is connected to the mobile communication provider 200 in a WAP-based communication protocol, the mobile communication provider 200 is connected to the router 480 of the intermediary 400 to the web Card payment system, characterized in that configured to connect in real time to retrieve the transaction history of the merchant (100) recorded and stored in the data DB (450) through the server (410). In the method of brokering a retailer, merchants and banks to pay with a card according to the purchase of goods between the retailer and the merchant, The affiliated store accesses the web server of the brokerage company, and transmits the affiliated store information by recording the registration information and the number of terminals required to be registered as the affiliated store through the affiliated store registration menu of the web server; The intermediary terminal receives the request for approval by transmitting information to the information transaction bank input from the merchant to be registered as an affiliated store; Providing an affiliated store terminal according to the approval request result and classifying and storing the affiliated store in a specific group unit for each type of affiliated store; The merchant stores the transaction request to the intermediary through the merchant terminal if the payment for the purchase price of the goods after the delivery of the goods to the retail store with a purchase-only card or reward credit card; When the broker asks the bank for approval again, the bank checks whether normal transactions are possible, and accordingly, pays for the goods from the retail bank account to the merchant bank account and deposits a predetermined fee into the account of the broker. Transferring; The brokerage company sends a processing result to the affiliated store when a normal processing is performed by a bank and issuing a receipt to a retail store online. Checking, by the broker, whether there is a credit loss in the transaction history stored for each affiliate store of a specific group for a certain period of time; Operating method of the card payment system characterized in that it comprises the steps of reducing the cost of bad debts generated and the remaining costs transferred to the bank account of the specific group or merchants designated by the specific group or merchant. 4. The method of claim 3, wherein the predetermined period of time is reduced by processing all fees incurred by the merchant by processing approximately every 10 days.