KR100836019B1 - System and method for processing financial data for real-time settlement - Google Patents

Abstract

A system and a method for intermediating financial information for real-time settlement are provided to strengthen security by transmitting delivery information including a retail shop code and a delivery amount from a branch to the VAN(Value Added Network), and enabling the VAN to transmit the delivery information to a head office when the branch delivers goods to a retail shop and performs the settlement. A branch terminal(110) generates/transmits delivery information including a retail shop code and a delivery amount to a financial intermediary VAN(130) and receives a payment result for the delivery information from the VAN. A head office server(150) stores a retail shop payment account corresponding to the retail shop code and processes the payment for the delivery amount with the branch corresponding to the branch terminal. The VAN transmits the received delivery information to the head office server, requests the payment for the delivery amount by receiving the retail shop payment account corresponding to the retail shop code from the head office server, transmits the payment result to the branch terminal and the head office server, and performs the settlement with the head office server.

Description

Financial information brokerage processing system for real-time collection and how to handle financial information brokerage {SYSTEM AND METHOD FOR PROCESSING FINANCIAL DATA FOR REAL-TIME SETTLEMENT}

1 is an exemplary block diagram of a financial information brokerage processing system for real time collecting in accordance with the present invention.

2 is an exemplary flow chart of a method for processing real-time collection financial information brokerage in accordance with the present invention.

<Description of the symbols for the main parts of the drawings>

110: distributor terminal 130: financial intermediation VAN

150: head office server 170: bank server

The present invention relates to a financial information brokerage processing system and a financial information brokerage processing method for real-time collection, more specifically, the weaknesses in security and weaknesses due to the transmission of payment account information of a retail store through a conventional wireless PDA terminal and delivery at the headquarters level. To improve the difficulty of grasping information and the shortcomings of the conventional goods delivery payment service, which is delayed in collection and settlement, when the agent delivers the goods to the retail store and performs the payment, the retailer code and payment amount are included instead of the retail account information. The security information is enhanced by sending the delivery information from the dealer to the VAN that handles the financial information, and the VAN sends the delivery information to the head office and receives the payment account information of the retail store corresponding to the retail store code from the head office in real time through the bank. Can act on behalf of the collection and payment system of retail stores In case of insufficient balance in the bank, it is possible to make a payment through reverse purchase method, which improves the efficiency of payment, and enables the real-time collection of financial information brokerage processing system and financial information brokerage processing method to efficiently settle the delivery of goods between the agent and the head office. It is about.

Services using a PDA terminal having a wireless communication function to deliver goods to a retailer at a retailer, perform a payment using a purchase card at a retail store, or perform a payment using a cash card at a retail store are being spread.

The payment service is a method in which a retailer registers as a member of a specific bank or credit card company and pays for the goods delivered from the agency through the bank or credit card company.

In particular, the payment service carries a PDA terminal (hereinafter referred to as a "wireless PDA terminal") equipped with a wireless communication function and transmits payment information of a retail store to a VAN that brokers a financial transaction. .

The VAN sends the payment information to the bank or credit card company that the retailer subscribes to request approval or payment of the funds, and the wireless PDA carries the result of the transfer or credit approval received from the bank or credit card company. Send to the terminal.

The sales staff delivers the goods upon receipt of funds transfer or credit approval through the wireless PDA terminal.

However, this method has the following disadvantages.

First, since the payment information of the retailer, for example, the card number or bank account information of the retailer, is transmitted from the wireless PDA terminal to the VAN via a wireless method, there is a weak point in security.

Alternatively, even if the wireless PDA terminal is transmitted to the sales management server of the dealership and is transferred from the sales management server of the dealership to the VAN, even if the security is applied between the sales management server of the dealership and the VAN through a private network, the wireless PDA terminal may not be connected between the terminals. Since it is transmitted through wireless communication, security weaknesses may occur.

In addition, there is a drawback in that the head office cannot accurately grasp information on merchandise transactions between distributors or retailers.

In other words, it is possible to grasp the sales information from the head office for the delivery of goods between the head office and the dealership, but there is no way to understand the transaction between the dealership and the retailer, and there is a drawback to relying on the sales report from the dealership.

In addition, in the payment of goods purchase price, for example, credit card payment has a disadvantage in that it takes a long time from the purchase card of the retail store to the payment of goods payment to the dealership or the head office.

In addition, when you pay with a cash card at a retailer, payment can be made faster than credit card payment, but it takes a long time to settle with the headquarters and distributors because it takes time to get the sales information from the head office. There is a disadvantage that the payment is not possible if the balance is insufficient in the cash card payment account.

Therefore, there is a growing need for a payment service providing method that improves the disadvantage of the payment service in the conventional product delivery.

Summary of the Invention An object of the present invention is to provide a disadvantage of security weakness due to the transmission of payment account information of a retail store through a conventional wireless PDA terminal, difficulty of grasping delivery information at the headquarters level, and a disadvantage of a conventional product delivery payment service, in which collection and settlement are delayed. If the dealer delivers the product to the retailer and makes a payment, the delivery information including the retailer's code and the payment amount, not the retailer's billing account information, is transmitted from the dealer to the VAN, which handles the financial information. VAN sends the delivery information to the head office and receives the payment account information of the retail store corresponding to the retailer code from the head office, and can collect money in real time through the bank, and if the balance is insufficient in the retail account, the payment is made through the reverse purchase method. To increase the efficiency of payment, The present invention provides a financial information brokerage processing system and a financial information brokerage processing method for real-time collection that can efficiently settle the delivery of goods between companies.

In order to achieve the above technical problem, the present invention is a real-time collection of financial information brokerage processing system including a distributor terminal, a head office server, a financial broker VAN and a bank server, generating delivery information including a retail store code and a delivery price of a retail store And store the retailer terminal receiving the payment result for the delivery information from the financial brokering VAN, and a retailer payment account corresponding to the retailer code, and correspond to the retailer terminal for the delivery price. The head office server that performs the payment settlement with the agent, and the delivery information received and sent to the head office server and receives the retail store payment account corresponding to the retail store code from the head office server to pay for the delivery price Request and payment for the above payment Receives a result and transmits to the distributor terminal and the main office server and receives the payment request for the retail payment account and the delivery price from the financial intermediary VAN and the financial intermediary VAN to perform settlement with the main office server It provides a real-time collection financial information brokerage processing system including the bank server for paying the delivery price from the retail payment account and transmits the delivery payment result to the financial intermediation VAN.

In the real-time collection financial information brokerage processing system according to the present invention, the agency terminal may be a portable terminal having a wireless communication function.

In addition, in the real-time collection financial information brokerage processing system according to the present invention, the payment request for the delivery information may be an immediate transfer request.

In addition, in the real-time collectible financial information brokerage processing system according to the present invention, the head office server is to store the credit information of the retail store in advance and to perform a payment guarantee based on the retail credit information, the bank server is the retail store payment When the balance of the account is less than the delivery price, the balance shortage status information is transmitted to the financial intermediation VAN, and when the guarantee information is received from the financial intermediation VAN, the delivery price is settled, and the financial intermediation VAN is the balance. When the shortage status information is transmitted to the main office server and the payment guarantee based on the retail credit information is received from the main office server, the guarantee information may be transmitted to the bank server.

In addition, in the financial information brokerage processing system for real-time collection according to the present invention, the bank server transfers the amount excluding the bank fee from the delivery price to the payment account of the financial intermediation VAN to perform the delivery price payment, The financial intermediary VAN may perform settlement with the main office server by transferring an amount excluding an intermediary fee among the amounts received in response to the delivery payment from the bank server to a payment account corresponding to the main office server.

The present invention also provides a real-time collection of financial information brokerage processing method in the financial intermediary VAN provided in the real-time collection financial information brokerage processing system including a distributor terminal, a head office server, a financial intermediary VAN and a bank server, (a) the Receiving delivery information including a retail store code and a delivery price of a retail store transmitted from a distributor terminal, and (b) transmitting the delivery information to the main office server and receiving a retail payment account corresponding to the retail store code from the main office server. (C) transmitting the retail payment account and the delivery price to the bank server and requesting payment; and (d) receiving a payment result for the delivery price from the bank server; (e) transmitting the payment result for the delivery price to the distributor terminal and the head office server. Home Finance provides real time financial information brokerage processing method.

In the real-time collection of financial information brokerage processing method according to the present invention, after the step (e), (f) may further comprise the step of performing the settlement with the head office server in response to the delivery payment result.

In addition, in the real-time collection of financial information brokerage processing method according to the present invention, the step (d), (d-1) receiving the balance shortage status information indicating that the balance of the retail store payment account is less than the delivery price Step (e) may include (e-1) transmitting the balance shortage status information to the head office server.

In the real-time collection of financial information brokerage processing method according to the present invention, (g) receiving a payment guarantee for the balance shortage status from the head office server, and (h) generating warranty information for the payment guarantee; The method may further include requesting payment for the delivery price by transmitting the warranty information to the bank server.

Hereinafter, with reference to the accompanying drawings an embodiment of the real-time collection financial information brokerage processing system and the financial information brokerage processing method of the present invention will be described in more detail.

1 is an exemplary block diagram of a financial information brokerage processing system for real time collection according to the present invention.

As shown, the real-time collection of financial information brokerage processing system according to the present invention includes an agent terminal 110, the financial intermediary VAN 130, the head office server 150, the bank server 170.

The distributor terminal 110 generates the delivery information including the retailer's retail code and the delivery price of the retail store and transmits it to the financial intermediation VAN 130 and receives the payment result for the delivery information from the financial intermediary VAN 130 to process the product delivery. do.

For example, the agency terminal 110 may be a portable terminal that is carried by a sales staff and has a wireless communication function configured to input information when a product is delivered to a retail store.

In addition, it may be a terminal configured to receive information on the delivery of goods from the portable terminal and transmit to the financial intermediation VAN (130).

In this case, the dealer terminal 110 receives the retail store code and the delivery amount prior to the delivery, generates the delivery information, and transmits it.

That is, the agency terminal 110 is configured to transmit a retail code instead of transmitting the payment account of the conventional retailer to the financial intermediation VAN 130 to prevent fraudulent leakage of the retail payment account. In the case of using such a retail store code, for example, the retail store payment account may be leaked through a wireless communication, and the retail store payment account may be leaked and misused by a sales staff. In addition, since the distributor terminal 110 does not know about the payment account of the retail store, it is possible to prevent problems such as missing sales or fraudulent sales in terms of product delivery from the head office server 130 side.

In addition, the distributor terminal 110 is configured to receive a payment result for the delivery information from the financial intermediation VAN 130 can be used to process the product delivery.

That is, if the payment result is normal, the goods are delivered. If the payment result is abnormal, the product is not delivered to the retailer.

The main office server 150 stores a retail store payment account corresponding to the retail store code. In addition, the agency and the payment corresponding to the dealership terminal 110 performs the settlement.

The financial intermediary VAN 130 receives the delivery information from the agency terminal 110 and transmits it to the head office server 150. In addition, the head office server 150 receives a retail store payment account corresponding to the retail store code included in the delivery information.

In this case, a dedicated network is preferably disposed between the head office server 150 and the financial intermediation VAN 130 to prevent information leakage.

Upon receiving the retail payment account, the financial intermediary VAN 130 transmits the retail payment account and the delivery price to request the bank server 170 to pay for the delivery price. Since the delivery information includes the delivery price, it can be grasped by the financial intermediation VAN 130 and also sends a retail payment account corresponding to the retail store code received from the head office server 150 to the bank server 170 to request payment. do.

In this case, a dedicated network is preferably disposed between the bank server 170 and the financial intermediation VAN 130 to prevent information leakage.

The payment request for this delivery charge may be an immediate transfer request. In other words, for real-time collection, it is preferable that the transfer is performed immediately from the retail payment account, and therefore the settlement can be performed quickly.

Thereafter, the financial intermediary VAN 130 receives the payment result for the delivery price from the bank server 170, and the delivery price payment result is transmitted to the agency terminal 110 and the main office server 150 to provide the delivery price between the head office and the agency. Configured to perform the settlement.

In addition, the financial intermediary VAN 130 may perform settlement with the main office server 150.

The bank server 170 receives a payment request for the retail payment account and the delivery price from the financial intermediation VAN 130, pays the delivery price from the retail payment account, and transmits the delivery payment result to the financial intermediation VAN 130. do.

In this case, the bank server 170 and the retail store, the financial intermediary VAN 130 or the head office server 150 may be configured to pay the delivery price from the retail payment account through a firm banking contract or the like.

Meanwhile, in the payment of the delivery price, the bank server 170 may transfer the payment amount of the delivery price excluding the bank fee to the payment account of the financial intermediation VAN 130 to perform the delivery payment.

In this case, the financial intermediation VAN 130 transfers the amount excluding the intermediary fee from the amount deposited in response to the delivery payment from the bank server 170 to the payment account corresponding to the main office server 150, and then the main office server 150. Settlement with can be performed.

In addition, payment of the delivery price may not be performed because the balance of the retail payment account is insufficient. In this case, when the balance of the retail payment account is less than the delivery price, the bank server 170 transmits the balance shortage status information to the financial intermediation VAN 130.

In this case, payment can be made according to the creditworthiness of the retail store.

That is, the head office server 150 may store credit information of the retail store in advance, and may configure the payment guarantee within a certain limit if the balance of the retail payment account is insufficient.

When the financial intermediary VAN 130 receives the balance shortage status information from the bank server 170, the financial intermediary VAN 130 transmits the balance shortage status information to the head office server 150 and correspondingly receives a payment guarantee based on the retail credit information from the head office server 150. If so, you will be guaranteed.

That is, the bank server 170 transmits the warranty information to the bank server 170, and when the bank server 170 receives the warranty information from the financial intermediation VAN 130, the bank server 170 delivers it in the form of reverse purchase despite the lack of balance. You can pay the price. Therefore, it is possible to improve the disadvantage that the delivery price is not paid when the conventional balance is insufficient.

2 is an exemplary flowchart of a method for processing real-time collection financial information brokerage according to the present invention.

The financial information brokerage processing method for real-time collection according to the present invention shown in FIG. 2 is applied to a financial brokerage VAN provided in a real-time collection financial information brokerage processing system including a distributor terminal, a main office server, a financial brokerage VAN, and a bank server. Way.

First, it receives the delivery information including the retail store code and the delivery price of the retail store transmitted from the distributor terminal (S110).

As described above, since the retailer does not directly receive the payment account of the retailer, it is possible to minimize the possibility of information leakage between the retailer terminal and the financial intermediary VAN.

Thereafter, the delivery information received in step S110 is transmitted to the main office server, and a retail store payment account corresponding to the retail store code is received from the main office server (S130).

In this case, a private network is preferably disposed between the head office server and the financial intermediary VAN to prevent information leakage.

Thereafter, the retailer payment account received in step S130 and the delivery price received in step S110 are requested to the bank server for payment (S150).

In this case, a dedicated network is preferably disposed between the bank server and the financial intermediary VAN to prevent information leakage.

In this case, the bank server and the retailer, the financial intermediary VAN, or the head office server can be settled in advance from the retail settlement account through a firm banking contract.

Thereafter, the bank server receives the payment result for the delivery price corresponding to the payment request in step S150 (S170).

Subsequently, the payment result for the delivery price received in step S170 is transmitted to the distributor terminal and the head office server (S190).

In addition, although not shown, it may be configured to perform settlement with the main office server in response to the result of the delivery price received in step S170.

Such a settlement may be, for example, a fee for a payment for brokerage.

In addition, when the bank server makes payment for the delivery price, if the balance of the retail payment account is less than the delivery price, the payment is not performed.

In this case, at step S170, the balance shortage status information indicating that the balance of the shop payment account is less than the delivery price is received.

In this case, in step S190, the received balance shortage status information is transmitted to the head office server. This balance can then be used to calculate retailers' creditworthiness at the headquarters server.

Also, even if the balance is low, if the credit rating of the retailer is high, as determined by the main office server, the payment guarantee can be transmitted to the financial intermediary VAN when receiving the low balance status information.

When the payment guarantee is transmitted and received in the financial intermediation VAN, the financial intermediation VAN may generate warranty information for the payment guarantee and transmit the warranty information to the bank server to request payment for the delivery price.

With this guarantee, payment can be made for the delivery price even when the balance of the retail payment account is insufficient, so that settlement can be performed quickly and efficiently.

Although the configuration of the present invention has been described in detail, these are merely illustrative of the present invention, and various modifications may be made by those skilled in the art without departing from the essential characteristics of the present invention. This will be possible.

Therefore, the embodiments disclosed herein are not intended to limit the present invention but to describe the present invention, and the spirit and scope of the present invention are not limited by these embodiments. It is intended that the scope of the invention be interpreted by the following claims, and that all descriptions within the scope equivalent thereto will be construed as being included in the scope of the present invention.

As described above, according to the present invention, the conventional security payment information of the retail store is transmitted through the wireless PDA terminal, and the difficulty of identifying the delivery information at the headquarters level, and the payment of the conventional product, which is delayed in collection and settlement To improve the shortcomings of the service, when the dealer delivers the goods to the retailer and performs the payment, the delivery information including the retailer's code and the payment price is transferred from the dealer to the VAN, which handles the financial information. In addition, VAN sends the delivery information to the headquarters, receives the retailer's payment account information corresponding to the retailer's code from the head office, and collects money in real time through the bank, and reverse purchases when the balance is insufficient in the retailer's payment account. Payment is possible through the payment method The increase settlement for goods deliveries between dealers and head office can be carried out efficiently.

Claims (9)

A financial information brokerage processing system for real-time collection including a distributor terminal, a head office server, a financial broker VAN and a bank server, Generating the delivery information including a retailer's retail code and a delivery price of a retail store and transmitting the delivery information to the financial intermediary VAN, and receiving the payment result for the delivery information from the financial intermediary VAN; The main office server storing a retail store payment account corresponding to the retail store code and performing payment settlement with the agency corresponding to the agency terminal for the delivery price; Receives the delivery information and transmits it to the head office server, receives the retail store payment account corresponding to the retail store code from the head office server, requests payment for the delivery price, and receives a payment result for the delivery price to the distributor The financial intermediary VAN for transmitting to a terminal and the main office server and performing settlement with the main office server; The bank server which receives the payment request for the retail payment account and the delivery price from the financial intermediary VAN, pays the delivery price from the retail payment account, and transmits the delivery payment result to the financial intermediation VAN. Real-time housekeeping financial information brokerage processing system comprising a. The method of claim 1, The agency terminal is a real-time collection financial information brokerage processing system that is a portable terminal having a wireless communication function. The financial information brokerage processing system of claim 1, wherein the payment request for the delivery price is an immediate transfer request. The method of claim 1, The main office server stores credit information of the retail store in advance and performs payment guarantee based on the retail credit information. The bank server transmits a balance shortage status information to the financial intermediary VAN when the balance of the retail payment account is less than the delivery price, and pays the delivery price when receiving the guarantee information from the financial intermediary VAN. The financial intermediary VAN transmits the balance shortage status information to the main office server, and transmits the warranty information to the bank server when receiving the payment guarantee based on the retail credit information from the main office server. Financial Information Brokerage Processing System. The method of claim 1, The bank server transfers the amount excluding the bank fee from the delivery price to the payment account of the financial intermediation VAN to perform the delivery payment. The financial intermediary VAN transfers the amount excluding the intermediary fee from the amount deposited in response to the payment for payment from the bank server to the payment account corresponding to the head office server to perform settlement with the head office server. Collecting financial information brokerage processing system. A financial information broker processing method for real-time collection in the financial brokering VAN provided in a real-time collector financial information brokerage processing system including an agent terminal, a head office server, a financial broker VAN and a bank server, (a) receiving delivery information including a retail store code and a delivery price of a retail store transmitted from the distributor terminal; (b) transmitting the delivery information to the main office server and receiving a retail payment account corresponding to the retail store code from the main office server; (c) requesting a payment by transmitting the retail payment account and the delivery price to the bank server; (d) receiving a settlement result for the delivery price from the bank server; (e) transmitting the payment result for the delivery price to the distributor terminal and the main office server; Real-time housekeeping financial information broker processing method comprising a. The method of claim 6, wherein after step (e), (f) performing settlement with the main office server in response to the delivery payment result; Real-time collection of financial information brokerage processing method further comprising. The method of claim 6, The step (d) includes (d-1) receiving balance shortage status information indicating a state in which the balance of the retail payment account is less than the delivery price, Step (e), (e-1) transmitting the balance shortage status information to the head office server Real-time housekeeping financial information brokerage processing method comprising a. The method of claim 8, (g) receiving a payment guarantee for the balance shortage condition from the main office server; (h) generating warranty information for the payment guarantee and transmitting the warranty information to the bank server to request payment for the delivery price; Real-time collection of financial information brokerage processing method further comprising.

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