KR100729964B1 - Purchasing cash card settlement method - Google Patents

Abstract

The present invention relates to a payment method for a purchase card, and more particularly, when a purchaser makes a payment for a payment using a purchase card, a supplier uses a certain ratio of system fees when the supplier requests payment before the period arrives. Deduct and pay the delivery price, and when the purchaser directly deposits the delivery price in cash, a part of the system fee is provided to the purchaser as a use fee, and the purchaser credits the delivery fee. If a deposit is made after a predetermined period of time, a portion of the system fee is deducted from the bank's prepaid fee, so when a purchaser uses a purchase card, he / she pays with cash and pays with credit. A purchase card that has the effect of increasing the frequency of use of the purchase card by generating more profit than It relates to a method.

Purchase Card, Corporate Purchase Card, Purchase-only Card, Bill, Payment

Description

Payment method using purchase cash card {PURCHASING CASH CARD SETTLEMENT METHOD}

1 is a conceptual diagram of a conventional purchase card.

2 is a conceptual view of using a purchase card by cash in the present invention.

3 is a conceptual diagram when using a purchase card by credit in the present invention.

Figure 4 is a system diagram in an embodiment according to the present invention.

5 is a flowchart of one embodiment according to the present invention.

*** Explanation of main parts of drawing ***

10. Server 11. Member DB

12. Merchant DB 13. Payment DB

16. Purchase Card Payment Module 17. Purchase Card Payment Notification Module

18. Payment request module 19. System usage calculation module

20. Fee Remittance Module 30. Network

40. Terminal 50. Bank

100. Delivery stage 110. Purchase card payment stage

120. Credit Check Stage 130. Cash Deposit Stage

140. Payment card payment notification step 150. Payment request step

160. Remittance stage 170. 175. System royalty settlement stage

180. Settlement fee 190. Cash payment

The present invention relates to a payment method for a purchase card, and more particularly, when a purchaser makes a payment for a payment using a purchase card, a supplier uses a certain ratio of system fees when the supplier requests payment before the period arrives. Deduct and pay the delivery price, and when the purchaser directly deposits the delivery price in cash, a part of the system fee is provided to the purchaser as a use fee, and the purchaser credits the delivery fee. If a deposit is made after a predetermined period of time, a portion of the system fee is deducted from the bank's prepaid fee, so when a purchaser uses a purchase card, he / she pays with cash and pays with credit. A purchase card that has the effect of increasing the frequency of use of the purchase card by generating more profit than It relates to a method.

Existing purchase cards (also known as corporate purchase cards and purchase-only cards) issue a purchase card to a credited purchaser from a bank, the supplier joins the merchant, and the supplier delivers to the purchaser. In this case, the purchaser pays with the purchase card, and the supplier deducts a certain percentage of the prepayment fee and is paid for the delivery, so that the supplier can raise cash early, and the purchaser receives credit. The same effect as the prepayment of cash is used, and the bank can obtain the commission income by paying the cash in advance to the supplier.

However, the above-described conventional purchase card, the purchaser must have credit enough to issue a purchase card from the bank, so the company that can receive the purchase card is extremely limited, so only the first and second vendor companies of large companies You can benefit from a purchase card, but large companies' first- and second-tier vendors don't actually have enough cash to pay the banks and receive payments. There is no need to stay in, there was a problem such as the use of the purchase card is an obstacle to the activation.

In addition, if the primary or secondary vendor does not receive a purchase card and pay to the subcontractor with a purchase card, even if the original contractor makes a payment with the purchase card, the company waits until the payment date and pays the bill to the subcontractor. There was a problem that the activation of the card is not made.

1 is a conceptual diagram of a conventional purchase card.

Referring to Figure 1, the existing purchase card, a bank, a purchasing company, a supplier is connected to the network. The supplier delivers to the purchasing company (①). The purchasing company joins the bank as a credit member (②) and pays the purchase price of the entrepreneur with a purchase card (③). If the supplier joins the bank (④) and the supplier asks the bank to prepay the payment (⑤), the bank pays the supplier after deducting the prepayment fee from the delivery price. On a predetermined date, the purchaser pays the money in cash (7) to the bank, thereby completing the payment by the purchase card.

If the purchasing company and the supplier are previously registered as a member of the bank, credit sign-up (②) and merchant sign-up (④) may be omitted.

In the existing purchase card, the purchaser can send the payment to the supplier in advance with its own credit, the bank can earn the commission fee according to the prepayment, and the supplier can deduct the fee and receive or pay the delivery fee as needed. There is an advantage in that the flow of money is increased because it can be waited for and received.

However, the supplier may also have a subcontractor, and if the supplier is unable to obtain a purchase card, the subcontractor will have to pay cash or use an existing bill or make a foreign transaction, but it is usually a bill rather than a cash settlement. Or prefer foreign trade, and in the case of bills may be the beginning of a chain default.

As such, subcontractors of companies that cannot obtain a purchase card could not benefit from the purchase card at all.

The present invention is to solve the problems of the prior art as described above, so that the purchaser can use the purchase card by credit or cash deposit, and when using the purchase card as cash deposit, a predetermined fee from the system fee The purpose of the present invention is to provide a purchase card payment method that can activate the purchase card by paying the purchaser.

The purchase card settlement method according to the present invention is a purchase card settlement method using a server, a network, a terminal connected to the server through the network, a bank computer network connected to the network, and a bank, and a purchase enterprise through the terminal. A purchase card payment step of paying the delivery price with the purchase card; A cash deposit step of allowing the purchasing company to make a cash deposit of a settlement price in a bank account; A payment request step for the supplier to request payment of the delivery price; A remittance step of causing the bank to remit payment to the supplier for the deduction of system charges; A system fee settlement step of allowing the bank to pay all or part of the system fee to the server; And a use fee settlement step of providing a part of the system fee paid in the system fee settlement step to the purchaser as a use fee.

A credit check step for determining whether or not the credit / cash payment of the price paid in the purchase card payment step is followed by the purchase card payment step; In the case of credit in the credit check step, a cash settlement step for allowing the purchaser to deposit the payment amount in the payment account after the remittance step, wherein the cash deposit step, the credit check step; It is preferable to carry out in case of non-credit.

Prior to the payment request step of payment, the payment notification step of notifying the delivery company that the payment with the purchase card; preferably further have.

In the system fee settlement step, it is preferable to pay the system fee to the server in the case of cash payment in the credit availability check step, and to pay the server the amount of the prepaid fee deducted from the system fee in the case of credit.

Hereinafter, with reference to the drawings will be described in detail. However, these drawings are for illustrative purposes only and the present invention is not limited thereto.

2 is a conceptual diagram when using a purchase card by cash in the present invention.

2, the purchase card according to the present invention additionally has a server connected to the network compared to FIG.

In the system of Fig. 2, the supplier delivers to the purchasing company (1). The purchasing company registers with the server (②). Member registration (②) may require a separate membership to the bank, if necessary, in some cases it may be regarded as a member at the same time to the bank by registering on the server.

The purchasing company requests the server to pay the purchase price with a purchase card (③) and makes a cash deposit (④) to the bank. Purchase card payment (③) may or may not be notified to the bank.

The supplier makes a payment request (⑤) to the server, and the server makes a payment request (⑥) to the bank. If necessary, the supplier needs to register with the server and the bank, and the supplier may have the payment request (⑤) directly to the bank.

The bank that received the payment request (⑥) by the server is the vendor and deducts the system fee from the delivery price and pays it (⑦).

Since the bank paid the cash payment (④) by the purchasing company to the supplier as it is, there is no separate fee, so the system fee is paid to the server (⑧).

The server sets a predetermined fee to pay (⑨) to the purchasing company.

The above processes are performed through the network.

The supplier pays the system fee equal to or slightly higher than the prepayment fee according to the normal purchase card payment, which may result in the same or slight damage as before.Because it is a purchase card, it is more advantageous than bills or credit transactions. The server can generate a predetermined profit from the system usage fee, and the purchaser is paid a usage fee, so all the components are the same or profitable system.

3 is a conceptual diagram when using a purchase card by credit in the present invention.

Referring to Figure 3, the purchase card according to the present invention is a server that is additionally connected to the network is the same as in Figure 2.

In the system of Fig. 3, the supplier delivers to the purchasing company (1). The purchasing company registers (②) as a credit member on the server. Membership (②) should be a separate membership to the bank, and may be made to be a member (②) only in the server by receiving a delegation to the bank. The purchasing company may or may not be a member of the bank, depending on the credit.

The purchasing company requests the server to pay the purchase price with a purchase card (③). Purchase card payment (③) may or may not be notified to the bank. In addition, the purchase card payment (③) may be notified to the server and the bank at the same time.

The supplier makes a payment request (④) to the server, and the server makes a payment request (⑤) to the bank. If necessary, the supplier needs to register with the server and the bank, and the supplier may have the payment request (④) directly to the bank.

The bank that received the payment request (⑤) by the server is the vendor and deducts the system fee from the delivery price and pays it (⑥).

Since the bank prepaid the delivery price by credit to the purchasing company, the remaining amount after deducting the prepayment fee from the system usage fee is paid to the server (⑦). If the system fee is the same as the prepayment fee, nothing may be paid to the server at all.

The purchasing company pays cash (⑧) to the bank after a predetermined period has elapsed.

The above processes are performed through the network.

The supplier pays the system fee equal to or slightly higher than the prepayment fee according to the normal purchase card payment, which may result in the same or slight damage as before.Because it is a purchase card, it is more advantageous than bills or credit transactions. Prepaid commission can be generated, so that it can generate the same revenue as a conventional purchase card, the server can generate a predetermined profit from the system usage fee, and the purchase company used the purchase card in the same way as the existing purchase card configuration Companies are the same or profitable system.

2 and 3 are combined to form the present invention, but the present invention according to Fig. 3 is substantially the same as the existing purchase card, so that the effect according to the present invention is not generated only with Fig. 3. Accordingly, in the present invention, the system may be configured to implement only FIG. 2 or to perform FIG. 3 incidentally.

4 is a system configuration diagram according to an embodiment of the present invention.

Referring to FIG. 4, the present invention is composed of a server 10, a network 30, a terminal 40, and a bank 50. The bank 50 refers to a server of a bank or an account of a bank connected to the network 30 through a bank computer network.

The server 10 includes a member DB 11, a merchant DB 12, a payment DB 13, a purchase card payment module 16, a purchase card payment notification module 17, a payment request module 18, and a system fee. The decision module 19 and the use fee remittance module 20 are included.

Member DB (11) is a purchase company has been registered as a member, the member is issued a purchase card. The purchase card may be a physical card, or only a card number may be issued to make a payment using an authorized certificate on a network. As shown in FIG. 3, when the purchasing company needs credit to the bank, it needs to be separately approved by the bank.

Merchant DB (12) is that the supplier is a member, the supplier becomes an affiliated store. If necessary, any one company may be subscribed to both the member DB 11 and the affiliated store DB 12.

The payment DB 13 is a DB in which information related to payment is recorded, and is composed of fields such as payment amount, credit / cash status, payment date, payment request date, payment date, settlement date, system fee, advance payment fee, and use fee. The payment amount is the same as the delivery amount, and the credit / cash amount is recorded according to whether the member (purchaser) of the member DB 11 decides to make the payment as credit or cash. The payment date is the date of payment, the payment request date is the date when the merchant (supplier) requested the payment of the delivery price, the payment date is the date the payment was made to the merchant (supplier), and the settlement date is the purchaser (member) The payment date is the date when the payment was made, the system fee is the fee that the vendor (merchant) used the server 10, and the prepayment fee is the interest on the amount prepaid by the bank in credit in the case of credit, and the use fee is the purchaser ( The fee paid by the member to the purchaser for using the server.

The purchase card payment module 16 is a module that allows a purchasing company to pay with a purchase card through the terminal 40. The purchase card payment module 16 displays a predetermined payment window on the terminal 40 and purchases necessary information such as a purchase card number, payment amount, delivery number, merchant information, member information, password, official certificate number, and security card number. Enter this and make a purchase card payment according to the input information. When the payment is made by the purchase card payment module 16, the information is stored in the payment DB (13).

Purchase card payment notification module 17 is a module for notifying the supplier through the terminal that the payment by the purchase card. The purchase card payment notification module 17 may not operate as necessary. When the purchase card payment notification module 17 simultaneously or after a predetermined time has elapsed with the purchase card payment to the purchasing company, if the purchasing company deposits the payment amount in the bank's payment account and the deposit information is notified, Inform the supplier of any communication using e-mail, text message, messenger or telephone.

The payment request module 18 is a module that the supplier requests payment of the delivery price through the terminal 40. The payment request module 18 displays a predetermined payment request window on the terminal 40 and allows the supplier to input necessary information such as an affiliate store number, a payment request amount, a password, an authorized certificate number, a security card number, and the received information. Make a payment request according to. If the payment request is made by the payment request module 18, the information is stored in the payment DB (13). The information requested by the payment request module 18 is notified to the bank 50.

The system fee calculation module 19 calculates the fee for using the server, the fee paid in advance, and the fee for using the server. If the bank uses the system card to be deducted when the bank sends the payment to the supplier, and the purchase card is used by credit, In the case of advance payment fee or cash deposit to be provided to the server, the server calculates the use fee to be provided to the purchasing company and notifies the bank, the purchaser, the supplier, and the server administrator.

When the system fee is received from the bank, the usage fee remittance module 20 checks the details of the deposit, and transfers the usage fee to the account of the purchasing company when the fee includes the fee to be remitted to the purchasing company. Notify the purchasing company by using a predetermined communication tool such as e-mail, text message, messenger or telephone. If necessary, the fee commission module 20 may be manually operated.

The server may be regarded as a bank in the case of service in a bank, in which case the server and the bank are regarded as the same component.

5 is a flowchart of one embodiment according to the present invention.

Referring to Figure 5, the supplier delivers 100 to the purchasing company.

Distinguish whether the purchasing company or supplier is a member, and if necessary, the purchasing company and the supplier sign up.

The purchasing company pays 110 with a purchase card.

The server inquires 120 whether the purchasing company pays the purchase card by credit or cash payment. The credit inquiry step 120 may be performed after or before the purchase card payment step 110, but typically, steps 110 and 120 are performed at about the same time.

If not in step 120 (cash deposit), the purchaser deposits the payment amount in cash in a predetermined payment account of the bank (cash deposit step 130).

In step 120, or if the cash is completed in step 130, one or more of the purchaser, the server, the bank notifies the supplier 140 that the payment with the purchase card.

The supplier notified in step 140 requests the payment of the delivery price to the server or bank (150). When requested to the server, it is desirable to notify the bank of the contents. If necessary, the server and bank can be requested simultaneously.

The supplier may request a payment after the due date, rather than requesting an advance payment if necessary. If the supplier does not request payment by the due date, it is advisable to make the payment automatically due. If payment is made to the vendor at maturity, there may be no or no system charges. However, if necessary, a certain amount of system charges may be imposed, regardless of whether payment is received at maturity or before the due date.

When the supplier requests payment of the delivery price (150), the bank pays the supplier (160) the amount deducting the system fee.

If it is not the credit (cash payment) in step 120, the bank pays the system fee to the server (170), and the server pays a predetermined fee to the purchaser (180).

In the case of credit in step 120, the bank pays the server the amount of the prepayment fee deducted from the system usage fee to the server (175), and since the payment in step 120 is a credit, the purchaser deposits the payment in cash to the bank (190). Steps 175 and 190 may be performed in a reversed order, and in some cases, may be performed at the same time.

An embodiment of the present invention according to FIGS. 2 to 5 is as follows. Hereinafter, the bank's prepayment fee is assumed to be 0.5% per month.

Case 1

When Company A receives 100 million worth of goods from Company B and uses the purchase card according to the present invention with credit of 100 million won for 3 months payment,

Company B requests the payment of the delivery price immediately after payment of the purchase card, and receives a deposit of 98,000,000 won from the bank by deducting 2% of the system fee.

The bank pays the server 500,000 won (0.5% * 3 months) from the system fee of 2,000,000 won, which is 0.5%.

The server may pay a portion of 0.5% as a service fee, if necessary.

In the conventional method, Company B pays the bank 1.5% in advance fees. Therefore, if necessary, the system fee may be 1.5%.

If Firm A has a large amount of cash, the interest income received from the bank by cash payment rather than the purchase card by credit (4% = 1% / 3 months, interest income tax 14) As it is necessary to pay%, it is advantageous to receive 1.5% of usage fee rather than 1% / 3 months).

Case 2

Firm B assumes that credit card cannot be used.

When Company B in Case 1 receives a delivery worth 90 million won from Company C, and uses 90 million won in cash, the purchase card according to the present invention is used for three months of payment.

Company B pays 90 million won with a purchase card and deposits 90 million won into the bank's corresponding payment account. A deposit of 90 million won may be deposited at the same time as the settlement in Case 1.

Company C requests the server or bank to deposit the delivery price immediately after payment of the purchase card, and the bank receives a deposit of 88,200,000 won after deducting 2% of the system fee.

Since the bank has already paid 88,200,000 won to Company C from 90 million won, which is deposited from Company B, the bank pays 1%, or 1,800,000 won (2%) to the server without incurring an upfront fee (some processing fees may be incurred).

The server provides company B with a commission of 1,350,000 won (1.5%) from 1,800,000 won (2%). The remaining 0.5%, 450,000 won, is the server's profit.

The% can be adjusted as needed.

In this case, Company B paid the system fee of 2,000,000 won in case 1, and received the usage fee of 1,350,000 won in case 2, so that the amount paid as system fee is equivalent to 650,000 won.

However, if Case 1 and Case 2 were used in the existing system, Company B had to pay the bank 1,500,000 won (1.5%) as a prepayment fee in Case 1 and paid 1,500,000 won as it was settled in cash in Case 2 Would have done. For Company B, profits of (1,500,000-650,000 = 850,000 won) were generated. In this case, if Company B issues bills to Company C because it does not use a purchase card, it impedes the activation of the purchase card, assuming that the purchase card system will be settled instead of the paper system. Use is excluded from the discussion.

Case 3

Firm C assumes that credit card cannot be used.

When Company C in Case 2 receives a delivery worth 80 million won from Company D, and uses 80 million won in cash, the purchase card according to the present invention is used for three months of payment.

Company C pays 80 million won with a purchase card and deposits 80 million won into the bank's corresponding payment account. The 80 million won deposit may be deposited at the same time as the settlement in Case 2.

Company D requests the server or bank to deposit the delivery price immediately after payment of the purchase card, and the bank receives 78,400,000 won after deducting 2% of the system fee.

Since the bank paid 78,400,000 won to Company D from 80 million won, which was deposited from Company C, the bank pays 1,600,000 won, or 2%, to the server.

The server provides company C with a commission of 1,200,000 won (1.5%) from 1,600,000 won (2%). The remaining 0.5%, 400,000 won, is the server's profit.

The% can be adjusted as needed.

In this case, Company C paid the system usage fee of KRW 1,800,000 in Case 2, and received the usage fee of KRW 1,200,000 in Case 3, so that the amount paid in the system fee is 600,000 KRW.

As can be seen in Cases 1 to 3 above, in the existing purchase card system, even though the use of the purchase card is impossible from the company B, the purchase card can be used by depositing in cash and the predetermined system fee is delivered. By collecting from the supplier, the supplier has the same effect as using the existing purchase card, and the purchaser pays a predetermined fee to receive the compensation for the fee paid to receive the payment from the original contractor.

As described above, according to the present invention, when a purchaser uses a purchase card and deposits cash at the same time as a purchase card payment, a profit is generated, and a function of correcting the damage of paper money according to activation of the purchase card, and a company with a large amount of cash Rather than paying a purchase card with credit and leaving the bank at a low interest rate, the purchase card can be paid with cash deposit to generate a higher profit than the bank's interest rate, thereby activating the purchase card.

Claims (5)

In the payment method using a server, a network, a terminal connected to the server through the network and a financial institution computer network connected to the network and a financial institution, A purchase card settlement step in which the delivery price is settled to a purchase card of a purchasing company through the terminal; A cash depositing step in which a payment is made in cash from a purchaser 's account to a payment account of a financial institution; A delivery payment request step of requesting payment of a delivery price from the supplier through the terminal ; A remittance step of remitting the money deducting the system fee from the payment account of the financial institution to the supplier; A system fee settlement step of paying all or part of the system fee to the server in a payment account of the financial institution; And a use fee settlement step of providing a part of the system fee received in the system fee settlement step to the purchaser as a use fee. The method of claim 1, After the purchase card payment step, A credit status check step of determining whether or not credit / cash payment of the price paid in the purchase card settlement step; In the case of credit in the credit check step, a cash payment step for allowing the purchaser to deposit the payment to the payment account after the remittance step; The cash deposit step, the payment method using a purchase cash card, characterized in that is performed when the credit in the credit check step. The method of claim 2, Before the payment request stage, The payment method using a purchase cash card further comprising; a payment notification step of notifying the delivery company that the payment by the purchase card. The method according to claim 2 or 3, The system fee settlement step is In the case of cash payment in the credit check step, the system fee is paid to the server, and in the case of credit, the payment method using the purchase cash card is characterized by paying the server an amount deducted from the system fee. . delete

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