KR20090034460A - Adjustment management system for trust settlement approval breakdown - Google Patents

Abstract

An approval settling and managing system of credit settlement which sequentially displays credit settlement charges of all card companies is provided to transfer credit payment of a credit card company through a credit card inquiry machine. Integrated account operation modules(41a, 41b, 41c) are mounted in bank servers(40a, 40b, 40c). A credit card inquiry terminal(10) selects one bank as a primary bank. The integration account operation module mounted in the bank server opens integrated account for credit approval accounting and receives credit settling cost transfer request information from a credit card company server(30b). An account transfer is performed by connecting the other bank server. All credit settlement costs is transferred to the credit settling history integration account.

Description

{Adjustment management system for trust settlement approval breakdown}

In the present invention, when applying for membership with each card company in order to perform credit settlement at the merchant, the credit card is opened for each credit card company, and even if there are multiple credit accounts and bank accounts of the credit payment, regardless of credit It is possible to transfer the credit settlement of all credit card companies that have been settled through the card checker through one transfer account, and there is a means to perform settlement management through one bank account linked to the transfer system account. Credit settlement approval history settlement management system.

In general, credit card payment, which is a method of payment after purchase of a product, is a payment method that replaces cash during a commerce transaction between a seller and a buyer, and provides a convenience for the purchaser to make a payment later for the purchase of the product. . In addition, the purchase history of goods purchased by buyers is databased, and the government is actively encouraging for the benefit of certain tax revenues, so most stores throughout the industry (including all industries where payment is made, such as restaurants or medical institutions). Is offering credit card payments.

Accordingly, if the business selling the goods is opened, each general card company (Lotte Card, Samsung Card, LG Card, Hyundai Card, etc.), each bank affiliate card company (Kookmin Bank, Woori Bank, Shinhan Bank, KEB, Jeju Bank, etc.) and foreign affiliated card companies (VISA, MASTER, JCB, etc.) must apply for card merchant registration to receive credit settlement services.

In addition, when applying for card merchant registration, the merchant stores a credit settlement transfer account for each credit card company in order to receive a credit payment approved. Among the credit card companies and foreign affiliate card companies, the merchant owner selects the bank account desired by the merchant. In the case of a bank affiliate card company, the bank account associated with the bank affiliate card company must be selected.

For this reason, if you do not have a bank account associated with the bank affiliate card company that is applying to join the card merchant, you can open an account of the bank associated with the bank affiliate card company when you apply for membership and receive the credit approved payment. To be available.

As such, after completing the affiliated member approval by performing the card affiliated member application, the merchant provides a credit card payment service.

1 is a block diagram showing a conventional credit settlement approval management system.

As shown, a conventional credit card payment system includes a credit card inquiry terminal 1, a VAN company server 2, a plurality of credit card company servers 3a, 3b and 3c, and a plurality of bank servers 4a, 4b and 4c. ) And a plurality of credit settlement approval history management accounts (5a, 5b, 5c).

In order to manage the details of the credit settlement approved by the merchant using the conventional credit settlement approval management system, a credit settlement approval process should be performed first.

That is, when a consumer requests to perform a credit settlement of a purchase item using a credit card, the merchant side reads the credit card member information of the corresponding consumer using a credit card inquiry terminal 1 and inputs an item price.

The credit card inquiry terminal 1 generates credit card payment approval request information including pre-stored merchant information together with input credit card member information and goods price, and transmits it to the VAN company server 2.

The VAN company server 2 identifies which card company by referring to credit card member information among the transmitted credit card payment authorization request information, and credits the card company servers 3a, 3b, and 3c, which are servers operated by the identified card company. The card payment approval request information is relayed and transmitted.

The card company server (3a, 3b, 3c) reads the credit card payment authorization request information relayed to determine the credit card payment approval, and then the credit card payment terminal via the VAN company server (2) (1) and store in the credit card payment approval list DB, which is a DB managed and operated in the server.

In addition, based on the credit card payment approval request information, which is the sales history of the credit card, the billing messages requesting payment of the credit card sales payment, which is approved for credit card payment, are classified by each card company that applied to join the card merchant and the individual merchant or VAN company is notified individually. do.

Each card company server (3a, 3b, 3c) by referring to the billing message notified by the credit card payment authorization information stored in the credit card payment authorization list stored in the credit card payment authorization list DB for each preset payment date Generates the transfer request information, and transmits it to the associated bank server (4a, 4b, 4c), respectively. Here, the credit settlement transfer request information for each affiliate includes affiliated store information of the affiliated store.

Each bank server 4a, 4b, and 4c accumulates the credit settlement charges classified by merchants, referring to the transferred credit settlement transfer request information for each merchant, and transfers the credit settlement charges of the merchant as information recorded when joining the merchant. It extracts the account information for the transfer of the credit settlement price of the corresponding merchant by matching the affiliated merchant list DB including the account information for the merchant and the credit settlement transfer request information for each merchant transmitted. Here, the affiliated merchant list DB is also stored with the affiliate store information of the affiliate store to provide matching with the credit payment transfer request information for each merchant.

Each bank server (4a, 4b, 4c) transfers the credit payment amount cumulatively calculated by the extracted account information for credit payment transfer of the merchant.

Thereafter, the merchant compares the credit settlement amount transferred to the account with reference to a plurality of credit settlement approval management records (5a, 5b, 5c), which are bank accounts for transfers of credit settlements established by each card company when joining the merchant. Complete settlement management of payment-related bills. Here, the information of the credit settlement amount displayed in each of the details management account (5a, 5b, 5c) is provided through a computer system provided by each bank operating each bank server (4a, 4b, 4c).

However, in order to manage the information of the credit settlement amount settled by the merchant using the conventional credit settlement approval settlement management system, the details of each credit settlement approval management account (5a, 5b, 5c) opened by each credit card company The credit card approval can be sequentially verified by the approval time only when the merchant approves the credit approval details displayed on the individual credit settlement approval records (5a, 5b, 5c). Settlement management of payment amount is complicated and difficult, and because of this, the settlement management time also takes a lot of problems.

In addition, in the case where a plurality of operators (affiliate stores) are provided in one brand, such as a franchise, or where a large number of franchisees reside in one store, such as a large distribution store, the above-mentioned problem becomes more severe.

The present invention is to solve the problems of the prior art, an object of the present invention is to join each card company (multiple general card companies, several bank affiliate card companies and several foreign affiliate card companies) and merchants to perform credit settlement at the merchant When you apply, you can open a credit card for each credit card company and open a credit card for each credit card company. It is to provide a credit settlement approval management system that can be transferred through a transfer account and has a means to perform settlement management through one bank account linked to the transfer account.

As a technical concept for achieving the present invention, the credit settlement approval management system of the present invention generates credit card payment approval request information including credit card member information, credit card payment amount information, and pre-stored merchant information. Credit card inquiry terminal for transmitting by; A VAN company server for receiving credit card payment approval request information from the credit card inquiry terminal and relaying the transmitted credit card payment approval request information; After including the credit card payment authorization list DB in which credit card payment authorization information is stored, receiving credit card payment authorization request information from the VAN company server, and reading the transmitted credit card payment authorization request information to determine payment approval, The determined credit card payment approval information is transmitted to the credit card inquiry terminal via the VAN company server and stored in the credit card payment approval list DB, and the credit card payment approval information stored in the credit card payment approval list DB every transfer date. A plurality of credit card company servers for transmitting credit payment transfer request information for each merchant, which is stored separately for each merchant; The information recorded at the time of joining a merchant includes a subscription merchant list DB including account information for transferring the credit settlement of the merchant and a credit card settlement approval list DB in which credit card settlement authorization information is stored. In the credit settlement approval history management system consisting of a bank server, each bank server is equipped with an integrated account operation module, the merchant operating the credit card inquiry terminal selected any one bank among a plurality of banks as the main bank; In this case, the integrated account operation module mounted on the bank server operated by the selected bank establishes an integrated account of credit approval history for merchants and receives credit payment request information for each merchant from an associated credit card company server. In addition, the affiliated store that applied to the main bank by accessing another bank server The account transfer is performed for each credit card payment authorization that has been settled on the credit card, and each credit card payment authorization is transferred from another bank server and the credit card payment request information for each merchant is transferred. It is characterized in that all credit settlements for which payment has been performed are carried out to the merchant's credit approval details integrated account.

The credit card payment approval history management account for the integrated account having an integrated account credit history for merchants, the credit account approval history management account for the integrated account, the credit card payment approval history transferred from the other bank server and the The integrated credit settlement approval information consisting of credit history corresponding to the transmitted credit settlement transfer request information for each merchant is displayed.

The integrated account operation module selects one bank among a plurality of banks as the main bank when the merchant operating the credit card inquiry terminal selects a bank account when the affiliate bank has a bank account previously used by the main bank. Use as an integrated account for merchants.

The integrated credit settlement approval information includes card company information, merchant information, credit card sales value information, and credit settlement date and time information.

It includes a search terminal that can be provided integrally with the credit card inquiry terminal or provided separately from the Internet service, using the search terminal, connected to the corresponding bank server operated by the main bank, and recorded in the bank server To view, download, or output the integrated credit settlement approval information consisting of credit card payment authorization details transferred from the other bank server, and the credit settlement details corresponding to the transferred credit settlement transfer request information for each merchant. Receive any one of the services, such as.

According to the present invention, even if the merchant owner has opened two credit card transfer accounts for each credit card company (multiple general credit card companies, multiple bank affiliate card companies, and multiple foreign affiliate card companies) at the time of joining the affiliated store, the merchant has no regard for this. Credit card payments can be credited to all credit card companies that have been credited through a single transfer account, and credit card payments can be made to all credit card companies through one bank account linked to that single transfer account. By providing the indications sequentially by the settlement date, the settlement management can be conveniently performed.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment of the present invention will be described in detail.

2 is a block diagram showing a credit settlement approval history settlement management system of the present invention.

As shown, the credit settlement approval management system of the present invention is largely credit card inquiry terminal 10, VAN company server 20, a plurality of credit card company server (30a, 30b, 30c), integrated account operating module ( It consists of a plurality of bank servers 40a, 40b, 40c on which 41a, 41b, 41c are mounted, and one credit account approval history management account 50 for one integrated account.

First, the credit card inquiry terminal 10 generates and transmits credit card payment authorization request information including credit card member information, credit card payment amount information, and pre-stored merchant information, which are input information, and transmits the credit card payment. Receive credit card payment approval information corresponding to the authorization request information and provide credit payment.

The VAN company server 20 receives the credit card payment approval request information from the credit card inquiry terminal 10, relays the transmitted credit card payment approval request information, and sends credit card payment approval information, which is information corresponding thereto. After receiving it, it transmits it to the credit card inquiry terminal 10.

The plurality of credit card company server (30a, 30b, 30c) includes a credit card payment authorization list DB that stores the credit card payment authorization information, and receives the credit card payment approval request information from the VAN company server 20, After determining the payment approval by reading the transmitted credit card payment approval request information, the credit card payment approval information is transmitted to the credit card inquiry terminal 10 via the VAN company server 20 and at the same time, the credit card payment Bank server (40a, 40b, 40c) linked to the credit card payment transfer request information stored in the authorization list DB, and stores the credit card payment authorization information stored in the credit card payment approval list DB for each merchant by each transfer day To send).

Bank servers 40a, 40b, and 40c receive data from linked credit card company servers 30a, 30b, and 30c, such as affiliated merchant list DB and credit card payment authorization list DB, and integrated account operation modules 41a and 41b. , 41c) is provided in the affiliated store list DB, which stores the information recorded when registering the affiliated store, which is credited together with Korean and English mutual information, business number information, store address information, name information of the representative of the business owner, etc. It is stored including the CAT-ID information of the card lookup machine 10, the credit card payment authorization list DB is stored credit card payment authorization information, search between the affiliated merchant list DB and credit card payment authorization list DB with the merchant information It is programmed to be searched in conjunction with each other.

The integrated account operation modules 41a, 41b, and 41c mounted on each bank server 40a, 40b, and 40c are each credit card company (multiple general credit card companies, multiple bank affiliated card companies and multiple banks) for merchants to perform credit settlement. Foreign affiliated card company) This module was developed to solve the inconvenience of managing the settlement by opening the transfer account of credit settlement by card company when applying for membership. In other words, if a merchant operating a credit card inquiry terminal 10 selects a bank among which a plurality of banks scattered throughout the country as a main bank for transfer of credit payment, the corresponding bank is selected. In the integrated account operation module 41b mounted on the operating bank server 40b, an integrated account of credit approval history for merchants is opened.

In this case, when the operator operating the integrated account operation module 41b selects one bank among a plurality of banks as the main bank of the merchant operating the credit card inquiry terminal 10, the corresponding merchant is previously used by the main bank. If there is a bank account, the merchant asks the merchant to use the existing bank account as an integrated account for the merchant, and if the merchant accepts, the bank account is used as the integrated account for the merchant.

Thereafter, the integrated account operation module 41b connects to the other bank servers 40a and 40c along with the credit payment transfer request information for each merchant from the credit card company server 30b linked to the predetermined bank every predetermined period and then searches the main bank by searching. Account transfer is performed for each credit card payment authorization made by the corresponding merchant, and each credit card payment approval statement transferred from other bank servers 40a and 40c and credit transfer request information for each merchant are transferred. With reference to the credit card inquiry terminal 10, all credit payments that have been made by the credit card payment is carried out to the integrated credit approval history account for the merchant.

The credit settlement approval history management account 50 for the integrated account is a bank account having the account approval history integrated account number established, the credit account approval history management account 50 for the integrated account is the other bank server (40a) Credit corresponding to credit card payment request information sent by merchants sent from the credit card payment approval details transferred from the bank account 40c) and the corresponding credit card company server 30b linked with the corresponding bank server 40b selected as the main bank. By providing the integrated credit settlement approval information consisting of payment history, it provides a single bank account for the management of multiple credit approval history provided by each bank associated with the credit card company.

Here, the integrated credit settlement approval information includes card company information, merchant information, credit card sales price information, credit settlement date and time information, and in the case of merchant information, a credit card inquiry machine that can identify the corresponding merchant as a simple information (10) It is preferable to use either the CAT-ID information or the merchant number information of the card company.

In order to manage the details of the credit settlement approved by the merchant using the credit settlement approval history settlement management system of the present invention having such a configuration, first, the credit settlement approval process should be performed.

That is, when a consumer requests to perform a credit settlement of a purchased item using a credit card, the merchant reads the credit card member information of the corresponding consumer using a credit card inquiry terminal 10 and inputs a price of a credit card. The inquiry terminal 10 generates credit card payment approval request information including pre-stored merchant information along with input credit card member information and goods price, and transmits it to the VAN company server 20.

The VAN company server 20 identifies which card company with reference to credit card member information among the transmitted credit card payment authorization request information, and credits the card company servers 30a, 30b, and 30c which are servers operated by the identified card company. The card payment approval request information is relayed and transmitted.

The card company server (30a, 30b, 30c) reads the credit card payment authorization request information relayed to determine the credit card payment approval, and the credit card payment terminal via the VAN company server 20 to determine the credit card payment approval information (10) and store in the credit card payment approval list DB, which is a DB managed and operated in the server.

And the billing message requesting the payment of the credit card sales payment, which is the authorized payment for credit, based on the credit card payment approval request information, which is the credit card sales history, and the bank company server 40b selected as the main bank by the merchant or VAN company; When notified to the associated card company server 30b, the card company server 30b stores the credit card payment approval information stored in the credit card payment approval list DB for each merchant by referring to the notified billing message for each merchant. The credit payment transfer request information for each merchant is generated and transmitted to the corresponding bank servers 40a, 40b, and 40c, respectively.

Here, the credit settlement transfer request information for each affiliate includes affiliated store information of the affiliated store.

Among the bank servers 40a, 40b, and 40c, the integrated account operation module 41b of the bank server 40b operated by the bank selected as the merchant and the main bank is the credit settlement for each merchant from the linked credit card company server 30b. In addition to the transfer request information, after accessing the other bank server (40a, 40c), the credit card inquiry machine (10) corresponding to the affiliated merchant list DB and credit card payment authorization list DB of each of the connected bank server (40a, 40c) Matches merchant information.

Subsequently, the integrated account operation module 41b is opened by selecting the main bank with reference to the credit settlement transfer request information for each affiliate store recorded in the credit card settlement approval list DB of each bank server 40a and 40c that are linked to each other. The bank server 40b performs the transfer to the integrated credit approval history account for the merchant.

Subsequently, the integrated account operation module 41b also adds a transfer to the merchant's credit approval history integrated account of the bank server 40b with reference to the credit settlement transfer request information for each merchant transmitted from the linked credit card company server 30b. To perform.

Thereafter, the integrated account operation module 41b sequentially processes all the credit approvals performed by the credit card checker 10 of the corresponding merchants transferred to the banks 40a, 40b, and 40c by the payment date. After that, store it in the credit card payment authorization list DB.

Thereafter, the merchant stores the withdrawal of all credit card sales payments approved through the credit card checker 10 owned by the bank server 40b selected as the main bank through the integrated credit approval history account for the merchant. Bank service including withdrawal is possible, and credit card inquiry held by one account through the credit settlement approval history management account (50) for one integrated account that has an integrated account of credit approval history for merchants even when the settlement of credit settlement related payments is possible. All credit card payment authorizations approved through the (10) can be conveniently managed by dividing by payment date.

For this reason, if 10 merchants have moved in from a large discount mart, an average of 6 to 10 credit transfers are used for each merchant, so if you want to calculate gross sales at a large discount mart, Although it is inconvenient to cumulatively calculate the amount of credit approval history management account, but if the present invention is applied only need to manage only 10 credit approval history management account, a large number of merchants in one store like a large discount mart Settlement management becomes more convenient in one place.

In addition, all the credit approvals performed by the credit card checker 10 of the corresponding merchants transferred to the banks 40a, 40b, and 40c are sequentially collected by payment date, and thus the processed information can be managed through the Internet. Merchants should have a search terminal with Internet service.

In this case, the search terminal capable of Internet service may be a POS terminal or a separate personal computer (PC) provided integrally with the credit card inquiry terminal 10 held by the affiliate.

After accessing the bank service provider web page operated by the corresponding bank server 40b designated as the main bank using the search terminal provided as described above, another bank server (the information recorded in the payment approval list DB of the bank server 40b) 40a, 40c) can be used to view, download and process integrated credit settlement approval information consisting of credit card payment authorizations transferred from the account transfer and credit payment details corresponding to the credit settlement transfer request information for each merchant transferred. In addition, the merchant provides various types of management and use such as output and use.

1 is a block diagram showing a conventional credit settlement approval history settlement management system,

2 is a block diagram showing a credit settlement approval history settlement management system of the present invention.

<Code Description of Main Parts of Drawing>

1,10: Credit card inquiry terminal

2,20: VAN company server

3a, 3b, 3c, 30a, 30b, 30c: Credit card company server

4a, 4b, 4c, 40a, 40b, 40c: bank server

5a, 5b, 5c,: Credit settlement approval history management account

50: Credit settlement approval history management account for integrated account

Claims (5)

A credit card inquiry terminal 10 generating and transmitting credit card payment approval request information including credit card member information, credit card payment amount information, and pre-stored merchant information, which are input information; A VAN company server 20 for receiving credit card payment authorization request information from the credit card inquiry terminal 10 and relaying the transmitted credit card payment authorization request information; It includes a credit card payment authorization list DB that stores credit card payment authorization information, receives the credit card payment approval request information from the VAN company server 20, reads the transmitted credit card payment approval request information, and confirms payment approval. After the determination, the determined credit card payment approval information is transmitted to the credit card inquiry terminal 10 via the VAN company server 20 and stored in the credit card payment approval list DB, and the credit card payment approval is transferred every transfer date. A plurality of credit card company servers 30a, 30b, and 30c for transmitting credit card payment authorization information for each affiliated store, which stores the credit card settlement approval information stored in the list DB for each corresponding affiliated store; The information recorded at the time of joining a merchant includes a subscription merchant list DB including account information for transferring the credit settlement of the merchant and a credit card settlement approval list DB in which credit card settlement authorization information is stored. In the credit settlement approval history settlement management system consisting of the bank server (40a, 40b, 40c), Each bank server (40a, 40b, 40c) is equipped with an integrated account operating module (41a, 41b, 41c), the merchant operating the credit card inquiry terminal 10, the main transaction of any one of a plurality of banks When selected as a bank, the integrated account operation module 41b mounted in the bank server 40b operated by the selected bank opens an integrated account of credit approval history for the affiliated store, and the linked credit card company server 30b. Credit transfer request information for each merchant is received from the bank, and other bank servers (40a, 40c) are connected to the bank to apply for the main bank, and the bank transfers for each credit card payment authorization from the relevant merchant. The credit card payment terminal 10 performs the credit payment by referring to the credit card payment approval details transferred from the accounts 40a and 40c and the credit payment request information for each merchant transferred. Credit payment authorization to the credit settlement management system settlement payments characterized by performing the money transfer to the merchant account for credit authorizations integration. The method of claim 1, Includes the credit settlement approval history management account 50 for the integrated account having the credit history of the merchant integrated account, The credit account approval history management account 50 for the integrated account has a credit payment corresponding to each credit card payment approval details transferred from the other bank server (40a, 40c) and the credit payment request information for each merchant transferred Credit settlement approval history settlement management system characterized in that the integrated credit settlement approval information consisting of the details are displayed. The method according to claim 1 or 2, The integrated account operation module 41b is a bank account used by the affiliated bank when the merchant operating the credit card inquiry terminal 10 selects one bank among a plurality of banks as the main bank. Credit settlement approval management system, characterized in that the bank account is used as an integrated account for merchants, if any. 3. The system of claim 2, wherein the integrated credit approval information includes card company information, merchant information, credit card sales value information, and credit date and time information. The method of claim 1, It includes a search terminal capable of internet services provided integrally or separately provided with the credit card inquiry terminal 10, Each credit transferred from the other bank server 40a, 40c, which is information recorded in the bank server 40b after accessing the corresponding bank server 40b operated by the main bank using the search terminal. Characterized in that it receives any one of services such as reading, downloading or outputting the integrated credit payment approval information consisting of credit card payment approval history and the credit history payment transfer request information for each merchant sent to the merchant. Credit settlement approval statement settlement management system.

Images