KR20000054718A - System and method for settling discount of credit card - Google Patents

Abstract

PURPOSE: A method for paying credit cards at a discount is provided to divide added charges by a predetermined ratio for distributing to applicants and managing operators, by recognizing transactions with adding predetermined charge in fees of settling amount by credit card companies in paying with credit cards at joining stores. CONSTITUTION: A method for paying credit cards at a discount comprises the steps of: registering as members for discount paying services of credit cards and joining stores for added charge paying services on credit cards, after the applicants and stores input information on credit cards and joining stores separately; storing the information in servers of credit card companies; requesting recognitions for transacting credit cards via communication networks, when the applicants pay with credit cards at joining stores; confirming whether to be a member and joining store; and adding a predetermined ratio of adding charge in fees of settling amounts for the stores, to recognize transactions, if confirmed.

Description

System and method for settling discount of credit card}

The present invention relates to a credit card discount payment system and a discount payment method, and more specifically, when a user pays for a transaction with a credit card at an affiliated store, the credit card company adds a predetermined additional fee to the payment fee to the affiliated store to approve the transaction. The present invention relates to a credit card discount payment system and a discount payment method for providing a surcharge to a user and a management operator.

Generally, when a credit card holder wants to pay for a service or goods at a credit card merchant by credit card, the credit card holder must obtain a transaction authorization from the credit card company using a telephone network or a packet network for his credit card.

1 is a block diagram of a conventional credit card payment system.

First, when the credit card holder (user) 10 makes a purchase request while presenting his or her credit card to the merchant 12 in order to pay for goods or services, the merchant 12 is the user 10. After completing the transaction approval request by combining the user information contained in the credit card of the user, the transaction history and the merchant information generated by the credit card transaction approval checker installed in the merchant, and the value added network (VAN) through the telephone network ( 14) to the relay system. At this time, since the credit card transaction approval query has a device for transmitting information only to the relay system of the specific VAN company 14, the authorization request generated from the specific credit card transaction approval inquiry is Only sent to the relay system.

Next, the VAN company 14's relay system that received the transaction approval request text reads the credit card company information contained in the user information in the transaction approval request text, and then combines the data related to the authorization request with the credit card company's transaction approval system. Is transmitted to the credit card companies (16, 18, 20) through a dedicated packet network.

Subsequently, the transaction approval system of the credit card company (16, 18, 20) receiving the transaction approval request compares the user information, transaction history, and merchant information included in the transaction approval request history with its member data or merchant data, respectively. It verifies that both the user and the merchant have no reason for disqualification as a transaction member, and that the transaction between them is valid.

Subsequently, the credit card companies 16, 18 and 20 return the result of the transaction approval request to the VAN company 14 which relayed the transaction approval request through the packet network. Here, the credit card companies 16, 18, and 20 receive and store information related to the VAN company 14 when receiving a transaction approval request from the VAN company 14, and store the transaction approval result in the VAN included in the transaction approval request relay history. Return to the relay system of the company (14).

Next, the relay system of the VAN company 14 having received the transaction approval result reads the affiliate store 12 information included in the transaction approval result history and approves the transaction of the affiliate store 12 for which the transaction approval request was first generated through the telephone network. The transaction approval result is returned to the terminal.

Finally, the transaction approval terminal of the affiliated store 12 having received the transaction approval result returned from the relay system of the VAN company 14 notifies the user 10 of the payment result based on the transaction approval result details.

However, a credit card payment performed by the system and method as described above has a disadvantage in that a separate benefit other than a predetermined point score for a credit card transaction does not return to a user who performs a transaction at a merchant.

Therefore, it is urgent to develop a new credit card payment system and payment method.

An object of the present invention is that a credit card discount payment service applicant who has registered as a member in a management operator requests a payment by credit card at a credit card surcharge application service, i. The present invention provides a credit card discount payment system and a discount payment method in which a surcharge is divided and distributed to credit card discount payment service applicants and management operators at a predetermined rate by adding a surcharge.

Another object of the present invention, by placing an advertisement of the merchant on the website operated by the management operator can be effectively advertised without additional advertising costs, credit card companies credit card that can increase the frequency of use of its credit card The present invention provides a discount payment system and a discount payment method.

1 is a schematic configuration diagram of a conventional credit card payment system.

2 is a block diagram illustrating a credit card discount payment system according to an embodiment of the present invention.

3 is a flowchart illustrating a procedure of registering a user as a member with a management operator according to the present invention.

4 is a flowchart illustrating a procedure of registering a specific store as an affiliated store with a management company according to the present invention.

5 is a flowchart illustrating a card payment procedure when a user purchases a product at an affiliated store according to the present invention.

Figure 6 is a view showing a credit card discount payment service subscription application according to the present invention.

7 is a view showing an application for joining a credit card surcharge payment service affiliated store according to the present invention.

※ Explanation of symbols for main parts of drawing

10, 30: Credit card holder 12: Merchant

14, 72: VAN company 16, 48: A credit card company

18, 56: B credit card company 20, 64: C credit card company

32: user server 34: user monitor

36: management operator 38: management operator server

40: management operator member DB 42: management operator affiliated DB

44: Merchant Server 46: Merchant Monitor

50: A credit card company server 52: A credit card company member DB

54: A credit card company affiliated DB 58: B credit card company server

60: B credit card company member DB 62: B credit card company member DB

66: C credit card company server 68: C credit card company member DB

70: C credit card company affiliated store DB

Credit card discount payment system according to the present invention for achieving the above object, the management operator member DB stored credit card information of the credit card discount payment service applicants and the management operator stores the merchant information of the credit card surcharge additional payment service application establishments A management operator server equipped with a merchant DB; And a credit card company member DB storing the credit card information of the credit card discount payment service applicant transferred from the management operator server and a credit card company affiliate store DB storing the merchant information of the credit card surcharge payment service applying business. And a credit card company server configured to approve a transaction by adding a predetermined additional fee to a payment fee for the affiliated store when a transaction request for the credit card from the affiliated store is requested at the request of a card discount payment service applicant.

The management operator may be provided with a website provided with the management operator server, the management operator member DB and the management operator affiliated store DB.

In addition, the credit card discount payment service applicant and the credit card surcharge payment service applying establishment prepare a credit card discount service membership application form and a credit card discount service merchant registration application form by accessing the management operator's website through the Internet. By doing so, the credit card discount payment service member and credit card surcharge may be registered as a payment service affiliate.

In addition, the affiliated store's advertisement may be displayed on the management operator website.

The credit card information of the credit card discount payment service applicant and the affiliated store information of the credit card surcharge payment service applying establishment may be transmitted from the management operator server to the credit card company server through the Internet.

In addition, the credit card company DB of the credit card company, the credit card discount payment service applicants and its general members are classified and stored, and the credit card company credit card company affiliated store DB and the credit card surcharge additional payment service applicants and general Merchants can be classified and stored.

Further, the VAN company is further provided between the affiliated store and the credit card company server, so that the transaction approval of the affiliated store may be made through the VAN company.

In addition, the credit card discount payment method according to the present invention, credit card discount payment service applicants and credit card additional charges additional payment service application establishments enter credit card information and merchant information into the management operator server, respectively, credit card discount payment service member Registering as a credit card surcharge additional payment service affiliated store; The management operator server transmitting and storing the credit card information and the merchant information to a credit card company server; When the credit card discount payment service applicant requests a credit card payment from the affiliated store, requesting the credit card company to approve a credit card transaction using a communication network; The credit card company confirming whether the credit card discount payment service applicant and the merchant are a credit card discount payment service member and a credit card surcharge payment service; And the credit card company adds a predetermined fee to the payment fee for the affiliated store when both the applicant for the credit card discount payment service and the affiliated store are identified as the credit card discount payment service member and the credit card additional fee payment service business. Approving a transaction through the communication network; characterized in that comprises a.

Approving a general payment transaction that adds only a predetermined payment fee to the affiliated store unless at least one of the credit card discounted payment service applicant and the affiliated store is confirmed as the credit card discounted payment service member or a credit card surcharge payment service. can do.

The credit card company requests a payment from the credit card discount service applicant by deducting a certain amount of the surcharge added to the merchant from the credit card transaction price of the credit card discount service applicant, and adds another predetermined amount of the surcharge added to the merchant. May be accumulated for a predetermined period and remitted to the management operator.

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

2 is a block diagram illustrating a credit card discount payment system according to an embodiment of the present invention.

Referring to Fig. 2, there is provided a user system having a credit card holder 30, i.e., a user server 32 and a user monitor 34 operated by a user, and managing with a user system and a management operator server 38. A management operator 36 having a website with an operator member DB 40 and a management operator affiliated store DB 42 is connected to the Internet. The management operator member DB 40 stores credit card information of a credit card discount payment service applicant, and the management operator affiliated store DB 42 stores merchant information of a credit card surcharge additional payment service application. In addition, on the website established by the management operator 36, advertisements of affiliated stores are posted to actively promote affiliate stores.

The management operator 36, the A credit card company 48, the B credit card company 56, and the C credit card company 64 are connected to the Internet, respectively, and each credit card company 48, 56, and 64 has a credit card company server. 50, 58, 66, credit card company DB 52, 60, 68, and credit card company affiliated DB 54, 62, 70 are provided. Here, each credit card company DB (52, 60, 68) stores the credit card information of the credit card discount payment service applicants delivered from the management operator 36 through the Internet and the member information and classification of the credit card company, the credit card company Merchants DB (54, 62, 70) stores the merchant information of the credit card surcharge additional payment service application establishments and their general merchant information and classification.

In addition, by connecting to the management operator 36 and the Internet to access the website established by the management operator 36 to the merchant server 44 and merchant monitor 46 registered as a credit card surcharge additional payment service application business. A merchant system is formed.

The merchant system and the VAN company 72 are connected by a telephone network, and the VAN company 72 and each credit card company 48, 56, and 64 are connected by a packet network.

3 is a flowchart illustrating a procedure of registering a credit card discount payment service applicant as a management operator member according to the present invention.

Referring to Figure 2 and Figure 3 describes the procedure for registering the credit card holder 30, that is, the credit card discount payment service applicant as a member of the management operator 36, first the management operator server 38, management in step S2 The operator member DB 40 and the management operator affiliated store DB 42 are provided, and access to the website of the management operator 36 where the affiliated store advertisement is posted.

Next, in step S4, the data A shown in FIG. 6 provided from the website of the management operator 36, that is, a credit card discount payment service member registration application (data A) is prepared. The membership application form includes information that can confirm whether or not a member of the credit card company, including the name, application ID, password, social security number, e-mail address, the type of credit card currently in use and discount of the current credit card The type of credit card to be accepted is mandatory. In particular, credit card numbers are not required for security purposes.

Next, in step S6, the management operator 36 stores credit card discount payment service applicants for each corresponding credit card company in the management operator member DB 40 with reference to data A.

In step S8, the data A is transmitted to the credit card company servers 50, 58, and 66 of the credit card companies 48, 56, and 64 using the Internet.

Subsequently, each credit card company (48, 56, 64) received the data A from the management operator 36 in step S10 is matched with the data A of its member information stored in the credit card company member DB (52, 60, 68) The presence of information is checked. If the information of the credit card discount payment service applicant described in the data A does not exist among the general members of the company, the data A is returned to the management operator 36 using the Internet by performing step S14.

Lastly, if there is information that matches the data A among the member information stored in the credit card company DBs 52, 60 and 68, the credit card company DB (52, 60, 68) as an applicant for credit card discount payment service. Save separately classified.

4 is a flowchart illustrating a procedure in which a credit card surcharge additional payment service applicant of a specific business registers with a management operator as an affiliated store according to the present invention.

Referring to Figures 2 and 4 describes the procedure for registering the credit card surcharge payment service application establishment as a member to the management operator 36, first the management operator server 38, the management operator member DB (40) in step S20 ) And the management operator 36 website provided with the management operator affiliated DB 42.

Next, in step S22 to create a credit card surcharge additional payment service merchant subscription application (data B) shown in Figure 7 provided from the website of the management operator 36. The application form for joining the credit card surcharge additional payment service affiliated store includes a business name, a business category, a business registration number, a telephone / mobile communication / fax number, a location, a type of affiliated credit card, and other fields. This is done by entering the content.

Next, in step S24, the management operator server 38 stores and stores the credit card surcharge additional payment service application establishment, that is, the affiliated store, in the management operator affiliate store DB 42 according to the type of credit card company with reference to the data B.

Subsequently, in step S26, the data B is transmitted to the credit card company servers 50, 58, 66 of each credit card company 48, 56, and 64 using the Internet.

Subsequently, in step S28, each credit card company (48, 56, 64) is a credit card surcharge additional payment service application of the data B received from the management operator server 38 and its credit card company affiliated store DB (54, 62, By comparing and reviewing the credit card merchants stored at 70), it is confirmed whether Data B's credit card surcharge payment service application company is its current credit card merchant. If the credit card discount service affiliate described in the data B is not the credit card affiliate store of the company, the data B is returned to the management operator 36 using the Internet by performing step S32.

Lastly, if the credit card surcharge payment service application company of Data B is a credit card affiliate store, it is separately stored and stored in the credit card company DB (54, 62, 70) as a credit card surcharge payment service application place. .

Figure 5 illustrates the procedure of card payment in the merchants registered by the credit card holder registered as a member to the management operator in order to receive the credit card surcharge payment service in order to receive a credit card discount payment service according to the present invention It is a flowchart for following.

2 and 5, in step S40, the credit card holder 30, that is, the user purchases a product at the affiliated store and presents the credit card as a payment method thereof.

Next, in step S42, the affiliate store completes the transaction approval request by combining the user information contained in the credit card, the transaction details generated by the credit card transaction approval inquiry machine installed in the affiliate store, and the merchant information, and then through the telephone network. Transmission to the relay system of the VAN company 72. Next, the relay system of the VAN company 72 that has received the transaction approval request text reads the credit card company information contained in the user information in the transaction approval request text, and sends it to the transaction approval system of the credit card company 48, 56, 64. The combination of data related to the authorization request is transmitted to the credit card company (48, 56, 64) through a dedicated packet network to request transaction approval.

Subsequently, the transaction approval system of the credit card company (48, 56, 64) received the transaction approval request in step S44 is the merchant information contained in the transaction approval request details and credit stored in the credit card company merchant DB (54, 62, 70). By comparing the information of the card surcharge additional payment service application establishment, it is checked whether the transaction approval request affiliate is a credit card surcharge additional payment service merchant.

Next, if the transaction approval request merchant is a credit card surcharge payment service merchant at step S46, the credit card discount payment stored in the credit card user information and credit card company DBs 52, 60, and 68 included in the transaction approval request details. By comparing the information of the service applicant, it is checked whether the credit card user is the applicant for the credit card discount payment service.

Finally, if the credit card holder 30 included in the transaction approval request at step S48 is a credit card discount payment service applicant, the credit card company adds a predetermined surcharge to the payment fee for the merchant requesting the transaction approval. I approve it. If the transaction approval request merchant and credit card user information included in the transaction approval request details are not stored in the credit card company DB (52, 60, 68) and the credit card company merchant DB (54, 62, 70), By performing step S50, the general payment is approved. Thereafter, the transaction approval result is transmitted to the VAN company 14 which relayed the transaction approval request through the packet network, and then returns the transaction approval result to the transaction approval terminal of the merchant where the transaction approval request was first generated through the telephone network, and the transaction is The transaction approval terminal of the affiliated store that has received the approval result notifies the credit card user of the payment result based on the transaction approval result details.

After the transaction is approved, the credit card company subtracts a part of the surcharge from the total transaction price when sending the transaction bill of the credit card discount payment service applicant who is issued once a month for a predetermined period. The credit card discount payment service is charged to the applicant, and the other part of the surcharge is accumulated for a predetermined period of time and is usually sent online once a month to the management operator account.

According to the present invention, the credit card discount service applicant can take a part of the additional fee added by the merchant from the credit card transaction price, so that it can take economic benefits, and the management operator also takes another part of the added fee added by the merchant. Economic benefits can be obtained.

In addition, merchants applying for credit card surcharge payment service can actively promote the merchants on the management operator's website to reduce the separate advertising costs and increase sales by advertising, as well as the frequency of using credit card discount service applicants. It can increase sales further, and credit card companies can increase the frequency of use of their credit cards to increase sales and secure excellent merchants.

Therefore, according to the present invention, the credit card discount service applicants, management operators, merchants and credit card companies can obtain economic benefits, respectively.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the technical scope of the present invention, and such modifications and modifications are within the scope of the appended claims.

Claims (10)

A management operator server provided with a management operator member DB in which a credit card discount payment service applicant's credit card information is stored, and a management operator merchant DB in which merchant information of a credit card surcharge is applied to a payment service requesting establishment; And The credit card company member DB, which stores the credit card information of the credit card discount payment service applicant delivered from the management operator server, and the credit card company affiliate store DB, which stores the merchant information of the credit card surcharge payment service requesting establishment, is provided. A credit card company server configured to approve a transaction by adding a predetermined surcharge to a payment fee for the affiliated store when a transaction request for the credit card from the affiliated store is requested by a discount payment service applicant; Credit card discount payment system, characterized in that comprises a. The method of claim 1, The management operator has a credit card discount payment system, characterized in that the website is provided with the management operator server, the management operator member DB and the management operator affiliated store DB. The method of claim 2, The credit card discount payment service applicant and the credit card surcharge payment service application establishment access the website of the management operator through the Internet to fill out a credit card discount service membership application form and a credit card discount service merchant registration application form. The credit card discount payment system, characterized in that registered as a card discount payment service member and credit card surcharge additional payment service merchant. The method of claim 2, The credit card discount payment system, characterized in that the advertisement of the merchant is posted on the website of the management operator. The method of claim 1, The credit card information of the credit card discount payment service applicant and the merchant information of the credit card surcharge additional payment service application establishment are transmitted from the management operator server to the credit card company server through the Internet. Discount payment system. The method of claim 1, The credit card company member DB of the credit card company, the credit card discount payment service applicants and its general members are classified and stored, and the credit card company credit card company affiliate store DB, the credit card surcharge additional payment service application establishments and general merchants The credit card discount payment system, characterized in that the classification is stored. The method of claim 1, The VAN company is further provided between the affiliated store and the credit card company server, the credit card discount payment system, characterized in that the transaction is authorized via the VAN company. The credit card discount payment service applicant and the credit card surcharge payment service applying establishment register the credit card discount payment service member and the credit card surcharge additional payment service merchant at the management operator server by entering the credit card information and the merchant information respectively. ; The management operator server transmitting and storing the credit card information and the merchant information to a credit card company server; When the credit card discount payment service applicant requests a credit card payment from the affiliated store, requesting the credit card company to approve a credit card transaction using a communication network; The credit card company confirming whether the credit card discount payment service applicant and the merchant are a credit card discount payment service member and a credit card surcharge payment service; And If the credit card discount payment service applicant and the affiliated store are both identified as the credit card discount payment service member and the credit card additional fee payment service establishment, the credit card company adds a predetermined additional fee to the payment fee to the merchant. Approving a transaction through a communication network; Credit card discount payment method characterized in that it comprises a. The method of claim 8, Approving a general payment transaction that adds only a predetermined payment fee to the affiliated store unless at least one of the credit card discounted payment service applicant and the affiliated store is confirmed as the credit card discounted payment service member or a credit card surcharge payment service. The credit card discount payment method characterized in that. The method of claim 8, The credit card company requests a payment from the credit card discount service applicant by deducting a certain amount of the surcharge added to the merchant from the credit card transaction price of the credit card discount service applicant, and predetermined another predetermined amount of the surcharge added to the merchant. The credit card discount payment method characterized in that the accumulation of periods and remittance to the management operator.