KR20120020383A - System for providing objects and credit to store using credit card - Google Patents

Abstract

PURPOSE: A system for providing actual things and credit to credit card affiliate stores is provided to enable the credit card affiliate stores to secure the payment for actual things. CONSTITUTION: A credit card transaction information is collected and saved online(S10). A payment limit of various methods is determined based on the credit card transaction information(S12). A system server receives a payment condition for actual things from a credit card affiliate store terminal(S14). A supplier of the actual things is searched and payment for the actual things are calculated based on the payment condition for actual things(S16). The actual things are purchased with the payment for the actual things(S18).

Description

System for providing objects and credits to credit card merchants {System for providing objects and credit to store using credit card}

The present invention relates to a system for providing spots and credits to credit card merchants, and more particularly, to a system for providing spots and credits to merchants at different times or simultaneously using credit card transaction information of credit card merchants. .

In general, a credit card merchant refers to a business that sells goods or services using a credit card to general merchants, home shopping companies, and e-commerce companies. Recently, as the credit society is active, the portion of sales by credit card sales is increasing. Credit card merchants usually receive credit card sales from credit card companies three to seven days after their credit card sales.

However, as sales by credit cards increase, the flow of operating funds for credit card merchants deteriorates. Credit card merchants may borrow or secure loans from financial institutions to finance insufficient funds. However, credit card merchants that have insufficient collateral or low credit ratings are difficult to secure insufficient operating funds using financial institutions. Recently, in order to solve the above problems, Korean Patent Registration No. 10-0426748 and Korean Patent Registration No. 10-0851945 propose a method of crediting or refinancing within the credit limit based on credit card transaction information.

On the other hand, credit card merchants must secure the goods or services (hereinafter referred to as spot) stably on a regular or irregular basis. However, even with the conventional method, there is a hassle of paying the spot price to the supplier supplying the spot every time the spot is purchased, and the spot is stably supplied when the credit card merchant becomes difficult due to some factor. There is something difficult to receive. In addition, credit card merchants need to operate in kind and cash at an appropriate ratio according to the situation, the conventional method does not provide a solution for this.

The problem to be solved by the present invention is to provide a system for providing a spot and credit to a credit card merchant that can secure a spot in kind, simplify the payment of spot payments and operate the spot and cash at an appropriate ratio. There is.

In order to solve the above problems, a system for providing a spot and a credit to a credit card merchant of the present invention collects credit card transaction information of a credit card merchant online from a terminal of a credit card merchant, a server of a VAN company, or a server of a credit card company. It includes a communication means for. In addition, the information storage means for storing the collected credit card transaction information and a processor connected to the information storage means and the communication means for controlling the means, further storing a program for controlling the processor It includes a host unit.

At this time, the processor analyzes the stored credit card transaction information by the program to determine a payment limit, and confirms the spot payment according to the spot payment conditions presented by the credit card merchant within the payment limit and pays it to the spot supplier. And the credit amount deducting the spot payment within the payment limit to the credit card merchant.

In the system of the present invention, the spot payment condition may be the kind, quantity, spot price determination time, discount rate and other additional conditions and financial information of the supplier of the spot to be purchased by the credit card merchant, The spot payment condition may be changed to control the proportion of the spot payment in the spot price and the credit amount.

The system for providing spots and credits to the credit card merchants of the present invention analyzes the credit card transaction information to determine the payment limit, and confirms the spot price according to the spot payment conditions presented by the credit card merchants within the payment limit to the spot supplier. It is operated to pay and the credit card merchant pays the credit amount deducting the spot payment within the payment limit, so that the credit card merchant secures the spot in a stable manner, the payment of the spot payment is easy, and the spot and cash are appropriately ratiod. Can be operated as.

1 is a view showing a system for providing a spot and credit to a credit card merchant using the transaction information of the credit card merchant according to the present invention.
2 is a flowchart illustrating a method of providing a spot and a credit to a credit card merchant according to the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. The embodiments described below may be modified in various forms, and the scope of the present invention is not limited to the embodiments described below. Embodiments of the present invention are provided to more fully explain the present invention to those skilled in the art.

An embodiment of the present invention provides a system for providing a spot and a credit to a credit card merchant so that the credit card merchant can secure the spot stably, simplify the payment of the spot price, and operate the spot and the cash at an appropriate ratio. To this end, within the payment limit generated by credit card transaction information, the spot amount and the credit amount in cash are separately defined and described based on the flow of the spot amount and the credit amount.

1 is a view showing a system for providing a spot and credit to a credit card merchant using the transaction information of the credit card merchant according to an embodiment of the present invention. Here, the credit refers to cash paid within the amount less the spot.

Referring to FIG. 1, a system for providing a spot and a credit to a credit card affiliate store may include at least one of a credit card company server 10, a VAN company server 20, and a credit card merchant terminal 30. 40 is connected to each other, the system server 40 is connected to the bank server 50, the system server 40 or the bank server 50 is made of a structure in which the withdrawal request means 60 is connected. . In addition, the credit card merchant terminal 30 and the VAN company server 20 is connected to each other, the VAN company server 20 and the credit card company server 30 is connected, the credit card company server 30 and the bank The server 50 is connected. Further, the system server 40 is connected to the spot supplier terminal 70, and the spot supplier terminal 70 is connected to the credit card merchant terminal 30 as needed.

The system server 40 of the present invention includes an operating system (OS), a program for controlling various files and files, and a host unit for controlling the overall operation of the system, including a processor, and a credit card transaction of a credit card merchant. And information storage means in which information is classified and stored, a terminal portion for a user interface, a communication means for communication with the outside, and a network connection portion for connecting to a network such as the Internet. At this time, the information storage means includes a plurality of databases (DB), and preferably includes credit card transaction information, credit information and accounts receivable information.

The credit card transaction information includes information about a credit card transaction of the merchant, and may include, for example, information on a credit card transaction date and time, transaction price, merchant identification number, credit card identification number, and the like. Credit information refers to merchant identification number, credit limit amount, credit amount paid, credit offer date, credit maturity date, settlement processing information, etc., and trade receivable information stores information on trading limit amount of trade receivable determined by each merchant, Information relating to the trade receivable after providing the sale price, for example, may include information about the merchant identification number, the sale limit amount of the trade receivable, the sale price paid to the merchant, the sale price offer date, the collection date of the credit card revenue, etc. Can be.

2 is a flowchart illustrating a method of providing a spot and a credit to a credit card merchant according to the present invention. At this time, the online flow for providing in-kind and credit to the credit card merchant will refer to FIG.

1 and 2, in order to provide a spot and credit to the credit card merchant, the system server 40 of the present invention is first credit card merchant terminal 30 or VAN company server 20 or credit card company server ( 10) collect and store the credit card transaction information online (S10). Here, the credit card transaction information includes data directly related to card sales such as transaction date, credit card company, credit card number, authorization date and time, authorization number, authorization amount, credit card merchant number, terminal number, payment method, etc. Information relating to the use of credit cards that are indirectly related to the use of the card.

Thereafter, the payment limit is determined in various ways, such as a credit limit and a trade receivable, based on the credit card transaction information (S12). For reference, the credit limit refers to the determination based on the average sales amount using reliability and standard deviation, and the trade receivables are the amount of trading and the limit of trading that will occur in the future. Of course, in addition to the credit limit, trade receivables may be determined in other ways within the scope of the present invention. Next, the system server 40 secures in-kind payment conditions for the kind and quantity of the goods sent from the credit card merchant terminal 30 in order to calculate the in-kind payment required to purchase the goods to be purchased by the credit card merchant. (S14).

The spot payment condition is to calculate the spot price according to the kind and quantity of the spots sent from the credit card merchant, and purchase the spot from the spot supplier as the spot price and provide the credit card to the merchant. In this case, an appropriate fee may be considered in the spot payment condition by the method agreed with the credit card merchant.

In-kind payment terms are the type, quantity, and other terms of the spot that the credit card merchant intends to purchase, and the financial information of the supplier to receive the spot and cash payments that the supplier charges the credit card company. Here, the other conditions may preferably include a spot price decision time, a discount rate and other additional conditions agreed between the credit card merchant and the supplier. In-kind payment terms are determined by credit card merchants on a regular or non-periodical basis, after which the supplier will calculate the in-kind payments accordingly.

Subsequently, the system server 40 searches for the spot supplier 70 according to the secured spot payment condition to calculate the spot price (S16), and then purchases the spot from the spot supplier 70 using the spot price to purchase a credit card merchant. Provided to (S18). In some cases, the spot supplier terminal 70 may notify the credit card merchant terminal 30 that the spot has been purchased (S52). The system server 40 confirms the credit amount deducting the spot price from the payment limit (S20), provides the credit amount to the credit card merchant (S22), and manages it (S24).

When the credit card merchant receives the credit amount from the credit card company (S26), the system server 40 calculates the spot price and the credit amount within the payment limit (S28). In this case, the spot payment and the credit amount may be paid at separate times or at the same time. In the process of calculating the spot price and the credit amount, the fee agreed with the credit card merchant is calculated by the system server 40 and included therein.

Collecting credit card transaction information includes the process of collecting credit card transaction information from general merchants, the process of collecting credit card transaction information from home shopping companies and e-commerce companies when the credit card service system is combined with the payment gate, The process of collecting VAN company combined data of the financial system using credit card merchant transaction information, and the process of collecting transaction information of home shopping companies and e-commerce companies when the credit provision and management system has the payment gate of the financial system. This is well known because it will be omitted here.

The withdrawal request means (60 of FIG. 1) for paying the spot price or the credit amount may exist in various forms. For example, an automated device, a telephone, a PC, a credit card terminal, a telephone currency card, etc. may be used to receive necessary funds as credit or purchase in kind. Since the online connection form and flow thereof according to the withdrawal request means 60 are described in detail in the conventional registered patents (domestic registered patents 10-0426748 and 10-0851945), the detailed description thereof will not be given herein. .

According to the embodiment of the present invention, the credit card merchant can stably secure the spot regularly or irregularly, and in particular, the credit card merchant can be stably supplied with the spot when the money flow becomes difficult due to some factor. In addition, every time a spot is purchased, the trouble of having to pay the spot at all times to the supplier supplying the spot can be eliminated. Furthermore, credit card merchants can operate in-kind and cash at appropriate rates, as appropriate. In detail, the credit card merchant may change the spot payment amount in the spot price and the credit amount by changing the spot payment conditions according to the situation.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, but many variations and modifications may be made without departing from the scope of the present invention. It is possible.

Claims (3)

Communication means for collecting credit card transaction information of a credit card merchant online from a terminal of a credit card merchant, a server of a VAN company, or a server of a credit card company;
Information storage means for storing the collected credit card transaction information; And
A processor connected to the information storage means and the communication means to control the means, and a host portion to further store a program for controlling the processor,
The processor analyzes the stored credit card transaction information by the program to determine a payment limit, and in accordance with the spot payment conditions presented by the credit card merchant within the payment limit, pays the spot supplier to the spot supplier. and,
A system for providing a spot and a credit to a credit card merchant that operates to pay the credit card merchant a credit amount deducting the spot payment within the payment limit. The spot payment condition of claim 1, wherein the spot payment condition is a kind, a quantity, a spot payment time, a discount rate, and other additional conditions and financial information of a supplier of the spot to be purchased by the credit card merchant. And the system of providing the goddess. The system of claim 1, wherein the credit card affiliate stores the spot and the credit to the credit card merchant, wherein the spot payment and the credit amount of the spot are adjusted by changing the spot payment conditions. .

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