KR101648936B1 - Card sales management system - Google Patents

Abstract

The present invention relates to a card sales management system, and enables efficient management of card sales of merchants using an integrated virtual account of a main bank server in which transaction details of each merchant are integrated and linked to a plurality of bank accounts.

Description

Card sales management system

The present invention relates to a card sales management technology, and more particularly, to a card sales management system using an integrated virtual account of a main bank server in which transaction details by merchants are integrated and linked to a plurality of bank accounts.

Korean Patent Laid-Open No. 10-2014-0013581 (2014. 02. 05) discloses a technique of checking the amount of money due to card sales of a merchant by period and card issuer, and checking whether there is any sales missing in the settlement of card sales I am proposing.

Franchise Individual franchisees are required to have an integrated management technology for card sales of franchisees since it is efficient for franchise headquarters to integrate management of card sales of each franchisee.

Accordingly, the present inventor has been studying a technique for efficiently managing card sales of merchants using an integrated virtual account of a main bank server integrated with transaction details of each merchant in connection with a plurality of bank accounts.

Korean Patent Publication No. 10-2014-0013581 (2014. 02. 05)

An object of the present invention is to provide a card sales management system capable of efficiently managing card sales of an affiliated store using an integrated virtual account of a main bank server in which transaction details of each affiliated store are integrated with a plurality of bank accounts .

According to one aspect of the present invention, there is provided a merchant sales server for managing card sales by merchant; Requesting a plurality of card company servers to request a purchase of card sales of the corresponding merchant in response to a request for card sales for the specific merchant from the merchant sales server and providing a deposit history and a transfer history for the merchant to the merchant sales server Merchant sales settlement server; The merchant sales management system according to claim 1, wherein, when the merchant sales settlement server requests the card merchandise sales to a specific merchant, And the transaction history of the merchant is searched for, and the transfer history and the transfer history of the merchant are searched for using the transaction details of the searched merchant.

According to a further aspect of the present invention, the merchant sales settlement server compares the transaction details of the merchant shop searched from the integrated bank account of the main bank server with the deposit and return information of the merchant merchant collected from a plurality of card dealer servers, The transfer history and the transfer history of the banknotes.

According to a further aspect of the present invention, the merchant sales settlement server comprises an information collecting unit for collecting deposit and carry information of a corresponding merchant from a plurality of card dealer servers; A transaction history search unit for searching transaction details of the merchant from an integrated virtual account of the main bank server; A metabolic processing unit for comparing the deposit and return information of the corresponding merchant collected by the information collecting unit with the transaction details of the merchant searched by the transaction history searching unit and for metabolizing the deposit details and the transfer details for the merchant; And an information providing unit for providing the transfer history and the transfer history of the merchant metabolized by the metabolic processing unit to the merchant sales server; .

According to a further aspect of the present invention, when the merchant sales settlement server requests a request for card sales of a specific merchant from the merchant sales server or recharging of the returned card merchandise, A settlement request unit for requesting a purchase request for card sales; And further comprising:

According to a further aspect of the present invention, the card sales management system comprises: an affiliate shop accounting server that processes card sales accounting for each affiliate store using the deposit details and the return details of each affiliate store counted by the affiliate shop revenue server; And further comprising:

The present invention has an effect of efficiently managing the card sales of the merchant using the integrated virtual account of the main bank server in which transaction details of each merchant are integrated with a plurality of bank accounts.

1 is a block diagram showing a configuration of an embodiment of a card sales management system according to the present invention.
2 is a block diagram showing the configuration of an embodiment of a merchant sales settlement server of a card sales management system according to the present invention.
3 is a flowchart illustrating an example of a merchant sales settlement procedure of the card sales management system according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to embodiments of the present invention, examples of which are illustrated in the accompanying drawings, wherein like reference numerals refer to the like elements throughout.

In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may make the subject matter of the present invention rather unclear.

The terms used throughout the specification of the present invention have been defined in consideration of the functions of the embodiments of the present invention and can be sufficiently modified according to the intentions and customs of the user or operator. It should be based on the contents of.

1 is a block diagram showing a configuration of an embodiment of a card sales management system according to the present invention. 1, the card sales management system 100 according to this embodiment includes an affiliate shop sales server 110, an affiliate shop sales settlement server 120, and an affiliate shop accounting server 130.

The merchant sales server 110 performs card sales management for each merchant. When a customer requests a credit card payment at the time of purchasing a product or service, credit card information of the customer is read by the merchant card payment terminal (not shown), and credit card information, credit card information including credit amount information, The payment approval request information is transmitted to a VAN server (not shown).

Then, the bank server relays the credit card payment approval request information transmitted from the merchant card payment terminal to the card company server, and the credit card company server processes approval of the credit card payment in response to the received credit card payment approval request information, The credit card payment approval result is transmitted to the merchant card payment terminal through the VANSA server, thereby generating card sales of the merchant. The card sales of the merchant is managed by the merchant sales server 110 by matching with the merchant identification information.

The merchant sales settlement server 120 requests a plurality of card company servers 200 to request a purchase of card merchandise of a specific merchant from the merchant sales server 110, The sales server 110 provides the deposit details and the transfer history for the merchant.

At this time, when the merchant sales settlement server 120 requests the card sales for the specific merchant, the merchant sales settlement server 120 acquires merchandise from the merged virtual account of the main bank server 300, which is integrated with transaction details of each merchant in connection with a plurality of bank accounts, And records the deposit details and the return history of the merchant using the retrieved transaction details of the corresponding merchant. Here, the deposit details and the transfer history ambassadors mean that the deposit details and the transfer details are consistent with the transaction details and are matched.

For example, the merchant sales settlement server 120 compares the deposit and return information of the corresponding merchant collected from a plurality of card issuer servers 200 with transaction details of the merchant shop retrieved from the integrated virtual account of the main bank server 300 And the transfer history and the transfer history to the corresponding merchant.

2 is a block diagram showing the configuration of an embodiment of a merchant sales settlement server of a card sales management system according to the present invention. As shown in the figure, the merchant sales settlement server 120 according to this embodiment includes an information collecting unit 121, a transaction history searching unit 122, a metabolic processing unit 123, an information providing unit 124, .

The information collecting unit 121 collects the depositing and transferring information of the corresponding merchant from a plurality of card issuing servers 200. Each of the card issuer servers 200 counts the card sales claims of each merchant and generates and stores deposit and delivery information so that the information collecting unit 121 acquires deposit and delivery information of the merchant from a plurality of card issuer servers 200 Can be collected.

The transaction history search unit 122 searches transaction details of the affiliated merchant from the integrated virtual account of the main bank server 300. Each of the card issuer servers 200 transmits deposit information to each of the affiliated stores to each bank server so that the purchase of the card sales of each of the affiliated stores is processed by the bank servers. The transaction history searching unit 122 collects transaction details (deposit details) of the merchant and collects transaction details of each merchant using the integrated virtual account, You can search history.

The metabolic processing unit 123 compares the deposit and return information of the corresponding merchant collected by the information collecting unit 121 with the transaction details of the merchant shop searched by the transaction history searching unit 122, The deposit history and return history are to be replied.

The information providing unit 124 provides the transfer history and transfer history of the corresponding merchant, which is metabolized by the meta-processing unit 123, to the merchant sales server 110. At this time, the information providing unit 124 may provide the deposit details and the transfer history for the merchant for each card charge claim.

Then, the merchant's sales server 110 receives the deposit details and the transfer history of the merchant, and can use it to perform card sales management for each merchant. In this case, the small merchant has one merchant identification number for each card company. In the case of a large merchant store, a plurality of merchant identification numbers (for example, interest-free installment, affiliate card, Therefore, it is possible to accurately deposit and manage the card sales linked to a plurality of merchant identification numbers even if only a simple inquiry is provided, in the case of providing the deposit details and the transfer history for each merchant for each card sales claim, , And the commission rate can be checked, which can drastically reduce the card sales management cost and manpower administration time.

In this case, it is possible to promptly check and re-check the card sales promptly by providing the deposit history and the return history of each merchant for each card charge claim, thereby preventing the sales loss and deficiency due to bankruptcy or delay in delivery have.

The merchant sales settlement server 120 may further include a settlement request unit 125. The settlement requesting unit 125 requests the card issuer server 200 to request the card merchant server 200 to request the merchant server 110 to request the merchant server 200 Request a purchase request for sales.

Then, each of the card issuer servers 200 counts the card sales claims of the corresponding merchant, generates and stores deposit and return information, and transmits the deposit information to the corresponding merchant to each bank server, Ensure that purchases for sales are processed.

The merchant accounting server 130 processes the card sales accounting for each merchant using the deposit details and the transfer details for each merchant that are counted by the merchant sales server 110. For example, the merchant accounting server 130 may analyze the deposits and returns for each sales date to generate accounting information for each merchant.

Thus, according to the present invention, the present invention can efficiently manage the card sales of the merchant using the integrated virtual account of the main bank server in which transaction details of each merchant are integrated and linked to a plurality of bank accounts.

The merchant sales settlement operation of the card sales management system according to the present invention as described above will be described with reference to FIG. 3 is a flowchart illustrating an example of a merchant sales settlement procedure of the card sales management system according to the present invention.

First, in step 410, the merchant sales settlement server requests a purchase request for a card sale of a corresponding merchant to a plurality of merchant servers in response to a card sales request for a specific merchant from a merchant sales server.

Then, in step 420, each card company server counts the card sales claim of the corresponding merchant, generates and stores the deposit and carry information, and transmits the deposit information to each of the merchants to each bank server.

Then, in step 430, the purchase of the card sales of the corresponding merchant is processed by each bank server, and the main bank server collects transaction details (deposit details) of each merchant from each bank server, Of the transaction details.

Thereafter, in step 440, the merchant sales settlement server collects the deposit and return information of the merchant from each credit card company server, and retrieves transaction details of the merchant from the integrated virtual account of the main bank server.

Then, in step 450, the merchant sales settlement server compares the deposit and return information of the corresponding merchant from which the merchant sales settlement server is collected, and the transaction history of the searched merchant, and then replies the deposit details and the transfer history to the merchant.

In step 460, the merchant sales settlement server provides the deposit details and the transfer history for the merchant to the merchant sales server. At this time, the merchant sales settlement server may be configured to provide the deposit details and the transfer history for the merchant for each card sales claim.

Then, the merchant sales server receives the deposit history and the return history of the merchant, and uses the same to perform card sales management for each merchant. The small merchant stores one merchant identification number per card company. In the case of a large merchant merchant, There may be a plurality of merchant identification numbers (for example, an unimplemented installment, an affiliate card, and a generic card) for one card issuer per credit card company. Therefore, In the case of providing the details, it is possible to accurately manage the deposit management, the return management, and the commission rate of the card sales linked to the plurality of merchant identification numbers by a simple inquiry, thereby drastically reducing the card sales management cost and manpower administration time.

In this case, it is possible to promptly check and re-check the card sales promptly by providing the deposit history and the return history of each merchant for each card charge claim, thereby preventing the sales loss and deficiency due to bankruptcy or delay in delivery have.

Accordingly, the present invention can efficiently manage card sales of merchants using an integrated virtual account of a main bank server in which transaction details of each merchant are linked with a plurality of bank accounts, Purpose can be achieved.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the spirit and scope of the invention as defined by the appended claims. .

The present invention is industrially applicable in the card revenue management technology field and its application technology field.

100: Card sales management system
110: Merchant Sales Server
120: merchant sales settlement server
121: Information collecting section
122: Transaction history search unit
123: Metabolic processing unit
124: Information provision
125:
130: Merchant Accounting Server
200: card company server
300: Main bank server

Claims (5)

A merchant sales server for performing card sales management for each merchant;
Requesting a plurality of card company servers to request a purchase of card sales of the corresponding merchant in response to a request for card sales for the specific merchant from the merchant sales server and providing a deposit history and a transfer history for the merchant to the merchant sales server Merchant sales settlement server;
A card sales management system comprising:
The merchant sales settlement server:
When a card sales request for a merchant having a plurality of merchant identification numbers is requested, the merchant transaction details of the merchant account from the integrated virtual account of the main bank server integrated with the transaction details of each merchant linked to a plurality of bank accounts And compares the deposit and return information of the corresponding merchant collected from a plurality of card issuer servers with the transaction details of the merchant shop searched from the integrated virtual account of the main bank server to calculate the deposit details and the transfer history for the merchant card The card sales management system is characterized by the ability to promptly verify and re-charge the card sales by enrolling in the card, thereby preventing the sales loss and deficiency due to bankruptcy or delay in delivery. delete The method according to claim 1,
The merchant sales settlement server:
An information collecting unit for collecting deposit and return information of a corresponding merchant from a plurality of card issuer servers;
A transaction history search unit for searching transaction details of the merchant from an integrated virtual account of the main bank server;
A metabolic processing unit for comparing the deposit and return information of the corresponding merchant collected by the information collecting unit with the transaction details of the merchant searched by the transaction history searching unit and for metabolizing the deposit details and the transfer details for the merchant;
And an information providing unit for providing the transfer history and the transfer history of the merchant metabolized by the metabolic processing unit to the merchant sales server;
The card sales management system comprising: The method of claim 3,
The merchant sales settlement server:
A settlement request unit for requesting a plurality of card company servers to make a purchase request for card sales of a corresponding merchant in response to a charge request for card sales of the specific merchant from the merchant sales server or a recharge request for the returned card merchandise;
The card sales management system further comprising: The method according to claim 1 or 3,
Wherein the card revenue management system comprises:
An affiliate shop accounting server that processes card sales accounting for each merchant using the deposit details and return details of each affiliate shop counted by the merchant sales server;
The card sales management system further comprising:

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