KR20000030769A - System and method paying cost on sales control system - Google Patents

Abstract

PURPOSE: A sales price payment system in sales management system and the method thereof are provided to prevent a consumer from consuming in excess of his payment capability, due to the impulse buying. CONSTITUTION: A sales management system comprises a purchaser(110), a cyber mall(120),a spot store(130), an operator(140) and a bank(150). If the purchaser(110) carries out purchasing through the cyber mall(120) or the spot store(130), the purchasing information of the cyber mall(120) or the spot store(130) is transmitted to the operator(140). If the transaction is completed, the operator(140) transfers the processing result of the purchasing to the bank(150) which pays the purchasing price to the cyber mall(120) or the spot store(130).

Description

System and method paying cost on sales control system}

The present invention relates to a payout system and method of a sales management system, and more particularly to a payout system and method of a sales management system having a versatility, not limited to the type of items or stores purchased.

After a buyer purchases an item in a real-world store or a virtual store using the Internet, there are three ways to pay the price: first, cash payment, and second, credit card. ), And third, payment by merchandise coupon.

The method of paying with the credit card may be used to purchase goods from a merchant that has previously signed a specific contract or to purchase a specific service by using a credit card issued by a commercial, financial institution, or credit company to a qualified buyer. When used, this is a payment method used by the card company and merchants to issue certificates (for example, receipts) to consumers.

The basic function of the credit card is an identification card function, a payment function, a credit grant function, and the like. The credit card is not a security, but has an equivalent effect.

In general, the credit card first provides the goods, services, cash, etc. that the buyer needs, and the payment is first paid by the card company and collected from the member after a certain period of time.

The credit card may be classified into a one-party card issued directly by a seller without a separate merchant, a two-party card issued by a company dedicated to credit card business, and a multi-party card issued by a bank.

In addition, the payment method by the merchandise coupon can be divided into three types, such as an amount of money gift certificate, a goods gift certificate, a service display gift certificate.

The gift certificate voucher can be paid for all goods handled by the store within the amount limit stated on the front of the gift voucher, and the gift certificate voucher is for the goods of the type, quantity, standard or quality indicated on the gift voucher. The service display gift certificate is payable and is a gift certificate that can be provided with the service described.

Examples of the gift certificate include a book gift certificate, a restaurant gift certificate, a culture gift certificate, and a department store gift certificate.

However, the conventional payment method using a credit card is a very convenient system, but because it stimulates the consumer's desire to buy, there is a problem of spending more than the ability to pay.

In addition, a buyer using a credit card has a problem that his credit card cannot be loaned to another person.

In addition, a buyer using a credit card has a problem that personal information of the buyer may leak when using the credit card in a cyber mall or a spot market.

In addition, there is a problem that a buyer using a credit card may be seriously damaged if his or her credit card is lost.

In addition, the provider who sells the goods using a credit card has a problem that takes a long time to recover the price of the goods.

In addition, there is a problem that the gift certificate is unlikely to be recovered in case of loss, so that the gift card holder may suffer unexpected damages.

It is therefore an object of the present invention to provide a payout system that ensures that consumers do not spend more than their ability to pay because of their desire to purchase.

Another object of the present invention is to provide a payout system for providing a purchase means to others so as to be available.

It is still another object of the present invention to provide a payout method that can be used at any location by the buyer without any personal information leakage of the buyer.

Still another object of the present invention is to provide a method for paying a selling price, which can be protected to a certain degree even when the buyer loses the purchase means, and can minimize the damage.

It is still another object of the present invention to provide a payout method for minimizing the time taken by a provider who sells goods by means other than cash to collect the goods.

1 is a schematic configuration diagram of a sales management system according to an embodiment of the present invention.

2 is a flowchart of information data between members of a sales management system using a cyber mall in a preferred embodiment of the present invention.

3 is a flow chart of a sales management system using a cyber mall in one preferred embodiment of the present invention.

4 is a flowchart of information data between members of a sales management system in purchasing goods in a spot store according to a preferred embodiment of the present invention.

FIG. 5 is a flow chart of information data between members of a sales management system when canceling an item purchase in a spot store in one preferred embodiment of the present invention.

6 is a flow chart for validating a payment means of a sales management system in a preferred embodiment of the present invention.

7 is a flowchart of information data between an operator and a bank in a sales management system according to an embodiment of the present invention.

In order to achieve the above object, according to an aspect of the preferred embodiment of the present invention, in the method of transmitting and updating the amount information of the payment means using a communication network, the purchaser is independent from the first payment means to satisfy certain rules Receiving a number and the amount of information desired to transfer; Receiving a number independently assigned by the second payment means to satisfy a particular rule; A method of transferring money in a sales management system, comprising updating information of a second payment means based on the received information of the first payment means.

In addition, the method may further include simultaneously receiving, from the buyer, a plurality of payment means independently assigned a number so as to satisfy a specific rule and the amount of money information to be transferred.

Receiving, from the purchaser, the payment information and the amount information for which the first payment means is independently assigned so as to satisfy a certain rule, the payment means may include validating the payment means and the money information.

Receiving a number independently assigned by a second payment means from a buyer to satisfy a particular rule may include validating the payment means and the amount information.

The information of the second payment means to be updated may include at least money amount information.

The method may further include transmitting update information of a second payment means to the buyer.

The communication network may use the Internet, a telephone, or a fax.

The method of transmitting the update information of the second payment means to the purchaser may use e-mail, a text message, a voice message, or a fax.

According to another aspect of the preferred embodiment of the present invention, a payment means used by a buyer for purchase, the payment means characterized by providing a number assigned to satisfy a plurality of specific rules to be used according to the place of purchase A method of numbering means is provided.

The number assigned to the payment means includes: a first area for distinguishing a purchase place; A second area independently assigned to each of the payment means; The combination of all numbers may include a third area for satisfying a specific rule.

In addition, it may include a fourth area for identifying a place for providing the payment means.

The place of purchase may be a cyber mall or a spot store.

According to yet another aspect of the preferred embodiment of the present invention, a method of validating a payment means provided by a buyer includes: receiving a number independently assigned such that the payment means provided by the buyer satisfies a specific rule; Checking whether the received number is valid; Querying the received number on a plurality of databases storing issued payment means information; A method of checking the validity of a payment means is provided, comprising the step of querying the database for the amount of money available for purchase of the payment means of the received number using the database.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a schematic diagram of a sales management system according to an exemplary embodiment of the present invention.

Referring to FIG. 1, a sales management system includes a buyer 110, a cyber mall 120, a spot store 130, an operator 140, and a bank 150.

When the purchaser 110 makes a purchase using the cyber mall 120 or the spot shop 130, the purchase information of the cyber mall 120 or the spot shop 130 is transmitted to the operator 140.

Thereafter, when the purchase is completed, the operator 140 transmits the processing result of the purchase to the bank 150, and the bank 150 transmits the purchase price to the cyber mall 120 or the spot store 130. To pay.

The cyber mall 120 may be configured to be located in the system of the operator 140. For example, the cyber mall 120 may configure its own cyber mall 120, and may store and configure information of a plurality of cyber malls in the system of the operator 140.

The method of storing and configuring the information of the plurality of cyber malls 120 in the system of the operator 140 may be divided into the desired specifications, for example, when the buyer wants to purchase a 'computer'. This is a method of comparing the price information, specification information, etc. of the plurality of cyber malls 120 (for example, Samsung computers, Sambo computers, etc.) and displaying them as a whole.

The buyer 110 may select and purchase specific information from the displayed information on the cyber mall 120.

The operator may include cyber mall information as in the above example, and additionally, in response to the purchase request of the buyer, the operator may review the validity of the payment means of the buyer to perform a payment approval system. It may include.

2 is a flowchart of information data between members of a sales management system using a cyber mall in a preferred embodiment of the present invention, and FIG. 3 is a flowchart of a sales management system using a cyber mall in a preferred embodiment of the present invention.

2 and 3, since there are a lot of overlapping parts will be described in parallel with FIG.

2 to 3, a sales management system using a cyber mall includes a buyer 210, an operator 220, and a provider 230 that provides goods in the cyber mall.

First, the purchaser 210 transmits the access request information to the server of the operator 220 (240, 410).

The request information may include a connection request to the server, purchase request information of a specific item, purchase request information of a specific specification, and item search information of a specific price band among specific specifications.

Thereafter, the operator 220 outputs a list of items corresponding to the request of the buyer 210 on the buyer's computer screen (250, 420).

In operation 260, the purchaser selects a specific article from among the outputted plurality of article information to the operator.

The operator transmits input request information of payment information for paying for the article in response to the received selection information to the purchaser (270, 430).

The buyer transmits payment information to the operator based on the received input request information (280 and 440).

With reference to FIG. 3, if the buyer 210 is not willing to pay for the item, return to step 420 to select another item.

The operator 220 checks whether the payment information is valid using the payment processing system based on the received payment information (290, 450).

The method for checking the validity of the payment information may include a balance check step, a validity check step, a buyer authentication step, and the like, of the payment means of the buyer 210.

Referring to Fig. 3, if the payment information is not valid, the step ends.

In addition to the method of ending the purchase process of the buyer, the process may return to step 420 or an error message may be output on the screen of the buyer.

In the case of inspection using the payment processing system, if it is determined that the payment information is valid, the purchase information is transmitted to the provider 230 (300, 460).

Details regarding the validity determination (300, 660) will be described in detail later with reference to FIG.

The provider 230 performs a check on a method of searching for a stock by searching a database in which product information is stored to check whether purchase processing is possible using the received purchase information (310, 470).

Referring to FIG. 3, if the purchase process is impossible as a result of the inspection, information 480 is transmitted to the operator 220 that the purchase process is impossible.

The operator 230 may transmit the received purchase processing impossible information to the buyer 210 to request to select another item.

If the purchase process is possible as a result of the search, information that the purchase process is possible is transmitted to the operator 220 (320).

Thereafter, the operator 220 pays the price of the article to the provider 230 using the payment processing system based on the received purchase process information (330 and 490).

In the method of paying for the goods, the operator 220 directly pays the provider 230, or the operator 220 transmits payment information to a bank from the bank to the provider 230 to pay for the goods. It can be configured to pay.

Thereafter, the operator 220 transmits a processing result indicating that the purchase process of the article is finished to the purchaser 210, and the received processing result is output on the screen of the purchaser 210 (340, 500). .

4 is a flowchart of information data between members of a sales management system in purchasing goods in a spot store according to an exemplary embodiment of the present invention.

Referring to FIG. 4, the sales management system when purchasing goods in a spot store includes a provider 610, a van (VAN) company 620, and an operator 630.

The value-added network (VAN) refers to a business that provides a communication service or a network that constructs, accumulates, processes, and processes a network using a computer by borrowing a line from a public telecommunication service provider.

The purpose of joining the van is to use a first van to reduce the load of the host computer by converting connection protocols between different types of host computers or connection protocols with terminals in a network, and second, other industries. The load obtained by entrusting the van to the operation management such as discovering new business by connecting with other companies, improving efficiency of third data communication and reducing communication cost, and expanding, changing and operation of fourth line. And cost reduction.

Referring to FIG. 4, the provider 610 transmits payment means approval request information to the van company (640).

The van (VAN) checks whether it is a card capable of checking and processing the affiliated store (VAN) based on the received authorization request information and transmits a full message to the provider 610 (650). The full response includes information on whether or not the payment card can be processed.

The provider 610 transmits payment approval request information to the van (VAN) company, if the received response message includes information that it can be processed (660).

The van (VAN) transmits the received payment approval request information to the operator 630 (670).

The operator 630 checks the payment means information and the payment amount based on the received payment approval request information using a payment processing system to perform a payment processing operation (680).

The inspection includes checking the number of the payment means, confirming the payment amount and the balance of the payment means, checking whether payment is possible, and confirming payment (eg, changing a balance, making a history, etc.).

In addition, if the balance of the payment means is less than the payment amount of the article as a result of the inspection, the reason for the unauthorized payment, and the like.

The operator 630 transmits the processing result to the van company (690).

If a problem (for example, no response, etc.) occurs in the step of transmitting the test result to the van company after processing the received payment request information in the payment processing system of the operator 630, the Create a log file in the payment processing system of the operator.

The van (VAN) transmits the test result received from the operator to the provider (700).

The protocol transmitted between the provider and the operator can block the risk of leakage of buyer information by using 64Bit encryption algorithm and 1024Bit encryption algorithm.

In addition, a log file may be written for some of all steps transmitted and received between the van company and the operator 630, or the van company and the operator (e.g., to facilitate the flow of information). 630 can be applied for all steps of transmitting and receiving between.

As described with reference to FIGS. 2 to 4, the payment means may be used in a spot shop as well as a cyber mall.

However, when used in the cyber mall or in-store, each has a different number of payment means, i.e., a dual numbering system, so that the payment means can be protected.

An embodiment in which the number of the payment means is applied differently will be described in detail later with reference to FIG. 6.

FIG. 5 is a flow chart of information data between members of a sales management system when canceling an item purchase in a spot store according to an exemplary embodiment of the present invention.

Referring to FIG. 5, the provider 610 transmits item purchase cancellation request information to the van company (840).

The van (VAN) transmits a response message to the provider 810 after checking whether the card is capable of identifying and processing the affiliated store (VAN) based on the received authorization request information (850).

The response message includes information on whether or not the card can be processed.

If the provider 810 includes information indicating that the received response message can be processed, the provider 810 transmits item purchase cancellation request information to the van (VAN) company (860).

The van (VAN) transmits the received goods purchase cancellation request information to the operator (830) (870).

The operator 830 checks using the payment processing system whether the payment means information and the item purchase cancellation request are possible based on the received payment approval request information (880).

The operator 830 transmits the test result to the van company (890).

The inspection result includes confirmation of the number of the payment means, product purchase cancellation information, purchase cancellation approval work (eg, balance change, history creation, etc.).

In addition, the inspection result includes a reason for not approving the purchase cancellation, if it is impossible to cancel the purchase.

If a problem (for example, no response, etc.) occurs in the step of transmitting the test result to the van after processing the payment request information in the payment processing system on the operator 830 side, the operator's payment Create a log file in the processing system.

The van (VAN) transmits the test result received from the operator to the provider (900).

The cancellation of the purchase of the item may be possible only within a time designated by the operator.

For example, if it is applied to request a payment to a bank or the like after the cancellation time, it is required by the place of purchase until 9 o'clock of the next day (for example, 8:59, etc.) after the purchase at the spot store. Cancellation is possible only if

If the cancellation request is sent from the store in excess of the above reference time, the reason for the unauthorized cancellation of the purchase is transmitted.

And, if the cancellation is requested after the cancelable time, the goods purchase can be canceled by the cancellation amount between the shop and the buyer after 10 o'clock of the next day.

6 is a flowchart for validating a payment means of a sales management system in a preferred embodiment of the present invention.

Referring to FIG. 3 again, the buyer transmits payment information to the operator based on the received input request information (440, 920).

The operator checks whether the number of the buyer's payment means (for example, a card that can be used for a gift certificate) is valid (940).

The number system of payment means according to an embodiment of the present invention is as follows.

One 2 3 4 5 6 7 8 9 10 11 12 13 14 15 16

Information inputted in items 1 to 16 is defined as follows.

The first to fourth digits represent values inherent in the payment means, for example, a fixed value region represented by 8282 for real transactions and 1004 for transactions in the cyber mall.

In addition, the fifth to eighth positions may be applied to the case where the operator sells the payment method and the case where the payment means is sold by an affiliated company including a bank or a cyber mall.

If the operator sells, the fifth digit is designated as '9', the sixth digit is designated as the last digit of the year in which the payment instrument is issued, and the seventh to eighth digits are designated by the operator. Value field.

The 9th digit is the check digit area that satisfies the specific rule between the whole numbers. The 10-16 digits are also a random value field specified by the operator.

In addition, when sold by an affiliated company including a bank or a cyber mall, the fifth to sixth digits are designated by the operator as an affiliated code. For example, if Kookmin Bank sells 01, Shinhan Bank sells 02, and so on.

The seventh digit is designated as the last digit of the year in which the payment instrument was issued, and the eighth digit is an arbitrary value field designated by the operator.

The 9th digit is the check digit area that satisfies the specific rule between the whole numbers. The 10-16 digits are also a random value field specified by the operator.

For example, the number of the payment means generated by applying the above payment means numbering system may be applied as follows.

The number of payment methods sold by the operator is 8282-9095-2299-8913 for the spot store, and the number for use in the cyber mall is 1004-9043-4331-2314.

In addition, the number of payment means sold by the affiliated company is 8282-0106 -7199-3097 for the spot store, and the number for use in the cyber mall is applicable to 1004-0108-8856-2784.

The validity of the payment means can be determined by the regularity represented by the numbers located in the 1-16th digits, respectively, the regularity is a number obtained by repeatedly multiplying 1, 2, 3, and 4 by weight in order from the front. Is equal to a multiple of 10.

For example, if the number of payment means is given as '1004-9043-4331-2314', then (1 * 1) + (0 * 2) + (0 * 3) + (4 * 4) + (9 * 1) + (0 * 2) + (4 * 3) + (3 * 4) + (4 * 1) + (3 * 2) + (1 * 3) + (2 * 1) + (3 * 2) Since it is expressed as + (1 * 3) + (4 * 4) = 100, it is possible to determine that it is valid because it is a multiple of 10.

Check the validity and print an error message (e.g. 'Unavailable card', etc.) on the buyer's screen if the payment method is not valid or the reader for the payment method located in the spot store. Notification can be performed by outputting an error message on the screen of the reader, or by outputting an error message on a receipt output from a reader for a payment means located in the spot store.

After designating the number of payment means as above, the payment means constitutes a magnetic on the surface of the payment means in order to be able to operate in a reader for payment means in the spot store.

The value stored in the magnetic constituted on the surface of the payment means is' payment means number 16 digits + " " + expiration date (YYMM). The expiration date is composed of a total of 4 digits, which are 2 digits of a year and 2 digits of a month. For example, the payment means information expressed in the magnetic is '8282909522998913 = 0412'.

In addition, the value stored in the magnetic that is configured on the surface of the payment means can be applied as' payment means number 16 digits + "= + month date issued." The issued month date consists of two digits corresponding to the month and a full four digits corresponding to the two digits corresponding to the day.For example, when issued on March 1, the payment method information expressed in the magnetic is' 8282909522998913 = 0301 '.

According to another preferred embodiment of the present invention, the information input to the items 1 to 16 may include characters in some items or in all items.

For example, in the above example, the first to fourth digits in which the value representing the characteristic of the payment means is input is' a001 'or' aaaa 'for the real transaction, or' b001 for the transaction in the cyber mall. It can be applied by expressing 'or' bbbb '.

By applying a dual number system that separates the numbers used in spot stores and cyber malls as described above, it is possible to separate the number that is exposed to the outside and the number that is not exposed to the security of the payment means.

It is determined whether the payment means (hereinafter referred to as a card) number at step 940 is valid, and if not, proceeds to step 960 to output an error message.

The method of outputting an error message may be output on a computer screen of a buyer when a purchase request is made in a cyber mall using a computer communication network, and on a card reader display unit in the case of a purchase request using an in-store store. It may be output or may be output to a receipt output from a card reader.

It is determined whether the payment means (hereinafter referred to as a card) number in step 940 is valid, and if valid, proceed to step 980 to determine whether the card is issued by an operator or an affiliated company. Check it against the details.

For example, a card number issued by an operator or affiliated company may be stored collectively in the operator's database or may be stored separately at each distributor.

If you have the information stored separately in each distributor's database, you can check through real-time search using the communication network.

As a result of checking whether the card number was issued in step 980, an error message is output if the card is not issued (1000).

The method of outputting an error message may be output on a computer screen of a buyer when a purchase request is made in a cyber mall using a computer communication network, and on a card reader display unit in the case of a purchase request using an in-store store. It may be output or may be output to a receipt output from a card reader.

If it is recognized that the result in step 980 is an issued card, it is checked whether or not the amount of the balance that can be purchased is held (1020).

The check of the balance can be performed using a database configured in the payment processing system and storing the balance information.

If the result of the check on the balance is not suitable for the purchase of goods, the flow proceeds to step 1040 to output an error message.

The method of outputting an error message may be output on a computer screen of a buyer when a purchase request is made in a cyber mall using a computer communication network, and on a card reader display unit in the case of a purchase request using an in-store store. It may be output or may be output to a receipt output from a card reader.

And, if the inspection result on the balance is suitable for the purchase of goods, referring again to FIG.

In the case of inspection using the payment processing system, if it is determined that the payment information is valid, the purchase information is transmitted to the provider (460, 1060).

7 is a flowchart of information data between an operator and a bank in a sales management system according to an exemplary embodiment of the present invention.

The data flow shown in FIG. 7 is applied when all the steps shown in FIGS. 2 to 6 are completed and a normal purchase is performed.

Referring to FIG. 7, in operation 1030, payment information is automatically transmitted to a bank 1020 that assists a purchase job in connection with a sales management system including a payment processing system of the operator 1010.

The bank 1020 processes the payment according to the received automatic deposit details and writes the settlement details into a file of a specific type (for example, sam, swp, hwp, xls, etc.) and the operator 1010. (1040).

The settlement details include incorrect account number information written in a separate file when there is a mistake in the automatic deposit account number.

8 is a diagram illustrating a screen display showing a search result given a search condition in a sales management system according to an exemplary embodiment of the present invention, and FIG. 9 is a sales management system according to an exemplary embodiment of the present invention. A screen display showing a case where a user selects a specific cyber mall in order to make a purchase.

A case in which a buyer wants to purchase a coffee maker at a cyber cyber mall after searching for information on prices and manufacturing companies in a plurality of cyber malls will be described as an example.

Referring to FIG. 8, a shopper wishing to purchase a coffee maker enters a coffee maker in a search box at the bottom, and then clicks a find icon.

When the search condition is given as described above, information on the names, model names, prices, manufacturing companies, etc. of the plurality of cyber malls handling the goods are output on the screen of the buyer, and the price is because the search is performed under the same conditions. The comparison and the like can be made to facilitate the selection of the cyber mall desired by the buyer.

For example, when a buyer selects a Samsung shopping mall that presents the lowest price among a plurality of cyber malls such as Interpark, Samsung shopping mall, NICE SHOP, etc., which handles items having the same model name (eg, KF16) as shown. 9 is a diagram illustrating a case where?

Referring to FIG. 9, when the above operation is performed, information such as an item for selecting a quantity, an icon for confirming the quoted price, and a total amount of money may be output on the screen of the buyer.

For example, if a buyer wants to buy two coffee makers, enter 2 in the quantity column at the bottom, and then select the quote icon. The total amount information corresponding to the quantity entered by the buyer (for example, 108,000 won) is displayed on the screen.

After reading the information, if the buyer wants to purchase, the purchase request can be made by selecting a purchase icon at the bottom, and if not, the purchase request can be held by selecting a cancel icon.

10 is a diagram illustrating a form for inputting payment information in a sales management system according to an exemplary embodiment of the present invention.

FIG. 10 is a form that an operator outputs on a screen of a buyer to request input of payment information to a buyer who has made a purchase request for a specific item through the process of FIGS. 8 to 9.

Referring to FIG. 10, the form for inputting payment information includes an area for inputting information such as a card number, a buyer name, a buyer address, a purchase total amount, and the like.

The card number is an area for inputting a card number usable in the cyber mall given by the operator as described above with reference to FIG.

For example, when a card is limited to a certain amount of money, such as a gift certificate, it may not be possible to pay for goods using one card.

To compensate for this case, as shown, a plurality of card numbers (for example, five, etc.) may be input so that the payment can be made in full amount.

If the total amount of cards that can be entered on the form presented by the operator cannot be paid, and if the buyer has a larger number of cards, the remaining balance of the multiple cards can be transferred to one card.

The portion that can be transferred to a single card as described above will be described in detail later with reference to FIGS. 12 to 13.

After the buyer enters the necessary information in the input form shown in FIG. 10 and selects a payment icon at the bottom, input and transmission of the payment information is completed.

11 is a diagram illustrating a form for inputting detailed information for receiving a product in a sales management system according to an exemplary embodiment of the present invention.

Referring back to FIG. 10, when a buyer fills out the input form shown in FIG. 10 and selects a payment icon, a form for inputting detailed information for receipt of a purchased item on a buyer's screen is output. .

Referring to FIG. 11, the form for inputting detailed information for receiving goods includes information such as a name of a recipient, a postal code, an address, a phone number, a mobile phone number, a desired date of delivery of a product, a special order, and an application item in the case of absence. It includes an area for input.

The special order content is an area for inputting information that the buyer wants to request, for example, 'Want to note that the product is fragile.'

If you are absent, the application is an area where you can enter information, for example, leave it to the apartment management office.

In the recipient's name, zip code and address input area, the purchaser can input the information of the person who wishes to present and provide it as a gift.

12 is a diagram illustrating a form for transferring money from a specific payment means to another payment means in a sales management system according to an exemplary embodiment of the present invention, and FIG. 13 is a sale according to one preferred embodiment of the present invention. It is an exemplary figure of the screen display which shows the case where money transfers from a specific payment means in a management system to another payment means.

12 to 13, a case in which the remaining amount of money is transferred from one card to another card will be described.

Referring to FIG. 12, a card of a second card (eg, '1004-9043-4331-2314') in a first card (eg, a card having a card number of '1004-0108-8856-2784') If you want to transfer the remaining amount (for example, 1850 won) of the first card to the numbered card), enter each card number as shown on the screen and then select the transfer icon (icon).

If the buyer wants to clear the entry or re-enter it, select the Cancel or Reenter icon.

If the buyer selects a transfer icon after inputting each card number, the buyer outputs the screen as shown in FIG. 13.

Referring to FIG. 12 again, since 1850 won was transferred from the card having the card number of '1004-0108-8856-2784' to the card having the card number of '1004-9043-4331-2314', the screen was '1004-'. The processing result of the transfer of 1850 won from the card of 0108-8856-2784 to the card of 1004-9043-4331-2314 is displayed on the screen of the buyer.

Even in the case of a card that is sold with a certain amount of limit using the above method, it is possible to use one card using a plurality of cards without limiting the amount of money.

In addition, the operator may apply applicable laws (for example, the Act on the Limitation of Amount Relating to Gift Certificates) to limit the amount of money that can be transferred.

According to another preferred embodiment of the present invention, in addition to the method of transferring the balance of the card as described above, the balance after purchasing more than a predetermined ratio suggested by the operator can be provided in cash, the method of providing the spot store Can be provided to buyers directly, or can be bank transfers from bank operators and banks, or bank deposits.

The present invention is not limited to the above embodiments, and many variations are possible by those skilled in the art within the spirit of the present invention.

As described above, by using the payout system according to the present invention, it is possible to limit the fear of impulse purchase that consumes more than the payment ability due to the consumer's desire to purchase.

It is also possible to provide one's own means of payment to others and use them as needed.

In addition, the personal information of the buyer is not leaked, and the information used in the cyber mall and the spot shop can be applied separately to each other, so that the buyer can use the service at any location.

In addition, even if the buyer lost the purchase means can be protected to some extent, it is possible to minimize the side of the damage.

In addition, it is possible to minimize the time taken by the provider who sold the goods by means other than cash to collect the goods.

Claims (19)

In the method for transmitting and updating the amount information of the payment means using a communication network, Receiving from the buyer, a number of payment information which is independently assigned by the first means of payment so as to satisfy a certain rule and desired amount of transfer; Receiving a number independently assigned by the second payment means to satisfy a particular rule; Updating the information of the second payment means based on the received information of the first payment means; Money transfer method of the sales management system comprising a. The method of claim 1, Simultaneously receiving, from a buyer, a number of payment means independently assigned to satisfy a certain rule and the amount of information desired to be transferred Money transfer method of the sales management system further comprising a. The method of claim 1, Receiving, from the buyer, a number of payment information which is independently assigned to the first payment means to satisfy a certain rule and the amount of money desired to be transferred, Validating the payment means and amount information Money transfer method of the sales management system comprising a. The method of claim 1, Receiving a number independently assigned from a buyer by a second means of payment to satisfy certain rules, Validating the payment means and amount information Money transfer method of the sales management system comprising a. The method of claim 1, The information of the second payment means to be updated includes at least amount of money information Method for transferring the amount of sales management system, characterized in that. The method of claim 1, Transmitting update information of a second payment means to the buyer Money transfer method of the sales management system further comprising a. The method of claim 1, The communication network can use the Internet Method for transferring the amount of sales management system, characterized in that. The method of claim 1, The communication network being capable of using a telephone Method for transferring the amount of sales management system, characterized in that. The method of claim 1, The communication network can use a fax (fax) Method for transferring the amount of sales management system, characterized in that. The method of claim 6, The method for transmitting the renewal information of the second payment means to the buyer, Able to be notified by e-mail Method for transferring the amount of sales management system, characterized in that. The method of claim 6, The method for transmitting the renewal information of the second payment means to the buyer, What can be notified by text message Method for transferring the amount of sales management system, characterized in that. The method of claim 6, The method for transmitting the renewal information of the second payment means to the buyer, Being notified by voice message Method for transferring the amount of sales management system, characterized in that. The method of claim 6, The method for transmitting the renewal information of the second payment means to the buyer, Being notified by fax Method for transferring the amount of sales management system, characterized in that. A payment method used by a buyer for a purchase, Providing a number assigned to satisfy a plurality of specific rules for use separately according to the place of purchase A method of assigning a number of payment means, characterized in that. The method of claim 14, The number given to the payment means is A first area for classifying a purchase place; A second area independently assigned to each of the payment means; A third region for satisfying a specific rule with a combination of whole numbers Method for assigning a number of means of payment comprising the. The method of claim 15, A fourth area for identifying a place for providing the payment means Method for assigning a number of means of payment further comprising. The method of claim 14, The purchase place includes a cyber mall A method of assigning a number of payment means, characterized in that. The method of claim 14, The place of purchase includes a spot store A method of assigning a number of payment means, characterized in that. The method of validating the payment method provided by a buyer is Receiving a number independently assigned such that the payment means provided by the buyer satisfies a specific rule; Checking whether the received number is valid; Querying the received number on a plurality of databases storing issued payment means information; Querying the database for the amount of money available for purchase of the payment means of the received number Method of validating the payment means comprising a.