KR20130122087A - Settlement relay server, method thereof, and settlement terminal - Google Patents

Abstract

A settlement relay server is disclosed. The settlement relay server of the present invention is characterized by comprising: a communication unit for communication with a settlement terminal and a settlement approval server; a dividing unit for splitting an approval request into a plurality of approval requests when a settlement approval request for a specific product is received from the settlement terminal; and a control unit for requesting the settlement approval server to approve the respective approval requests, receiving the respective responses of the approval requests, and transmitting the responses to the settlement terminal. According to the present invention, when a seller who sells products of other sellers makes a profit from agent fees for purchasing, a value added tax is imposed on not a total settlement amount but agent fees, which are the seller’s profit. In other words, the seller does not need to submit a document to explain a difference between the amount, which the seller reports to a tax office with regard to a value added tax, and information which the tax office receives from a credit card company, by separating an agent fee from a purchasing amount. Also, money is efficiently managed by depositing a purchasing agent fee and a purchasing amount in respective accounts. [Reference numerals] (1) Customer;(100) Settlement relay server;(300) Settlement terminal;(500) Settlement approval server;(S210) Card settlement;(S220) Settlement approval request;(S230) Divide multiple approval requests by product group;(S240) Multiple approval requests;(S250,S260) Transmit a response regarding settlement approval;(S270) Output the result of settlement approval;(S280) Transfer a corresponding amount of money to the corresponding deposit accounts for the multiple approval requests

Description

A payment relay server, a method for controlling the payment relay server, and a payment terminal {SETTLEMENT RELAY SERVER, METHOD THEREOF, AND SETTLEMENT TERMINAL}

According to the present invention, in the form of a transaction in which a merchandise sales company sells a plurality of goods together, the agency acts as a profit, and the agency commission and the agency purchase amount are distinguished, so that the agency commission, not the total payment amount. That is, the present invention relates to a payment relay server, a method for controlling the payment relay server, and a payment terminal for clarifying that VAT is charged only for the revenue of the user.

VAT is an indirect tax levied on value added taxable at all stages of a transaction where goods or services are produced or distributed. In other words, it means the tax imposed and collected on the added value created by all businesses in all trading stages.

The method of calculating value-added values includes the company's goods and services in terms of sales, including the company's salary, interest paid, taxes, depreciation, and profits. There is a deduction method that calculates and deducts the purchase amount of services. The value added in the VAT law adopted in Korea is calculated by the deduction method. Therefore, the VAT is calculated by multiplying the VAT by the tax rate. According to the principle of the deduction method, the VAT is the amount obtained by deducting the purchase tax from the sales tax.

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 later payment of the purchase price of the product. In addition, the purchase history of goods purchased by buyers is databased, so the government is actively encouraging the benefits of securing tax revenues, and most retailers throughout the industry provide credit card payments.

When the goods are paid by credit card, a credit card sales slip is issued and delivered to the customer. The customer expresses his / her intention to pay by paying the autograph on the slip. The credit card sales slip may be displayed differently when a product seller is a VAT taxable business operator, a VAT tax-exempt business operator, or a combination of a VAT business and a tax-exempt business.

For example, a 10% VAT is charged on an article of 100,000 won. In the case where all of the 100,000 won are taxable goods, it may be displayed as the sales amount of 90,909 won and the value added tax of 9,091 won. If all 100,000 won are exempt goods, it may be displayed as sold amount 100,000 won. If 55,000 won is taxable and 45,000 won is exempt from tax, the sales amount may be 95,000 won and VAT 5,000 won.

Credit card sales slips issued in this way are forwarded to Value Add Network (VAN). VAN is an operator that acts as a relay between credit card companies and credit card merchants.In order to receive payments by credit card in stores, each VAN company must sign a credit card merchant contract and purchase a terminal requesting card sales approval from each card company. do. In other words, VAN provides financial services through credit card intermediation between credit card companies and credit card merchants.

The VAN company sends an inquiry to the credit card company and sends a credit card payment slip to the merchant terminal if the card has no problem, and the credit card sales slip is output from the merchant terminal. The customer signs the slip, indicating that he has made a purchase and approved the payment.

VAN company collects all the authorization data of VAN management affiliates that occurred on that day and transmits the purchase data to each card company or bank at once, and the card company or bank checks the data transmitted from VAN company on the computer and if there is no problem Perform the purchase process.

The card company deposits the amount excluding the card fee into the deposit account designated by the merchandise seller, that is, the merchant, after a certain date (at least 1 to 7 days). In this case, the deposit amounts are all deposited in one bank account, that is, one deposit account.

All of the above data can be passed to the IRS, contributing to fostering transactions and expanding tax sources.

However, the current trading system does not reflect various types of trading. In other words, the three types of businesses are managed separately in the form of VAT taxation, tax-exempt and joint ventures. Various types of operators are appearing, and the demand for various payments is also generated in existing types of operators.

An example is the case of an online marketplace operator. An online marketplace provider connects seller members and consumer members, acts as a payment agent, and refers to a business that earns a fee for it. For example, if a seller member puts an item to sell for 100,000 won on the Internet and a consumer member pays it with a card, the member's fee is deducted from 10,000 won, and 90,000 won is deposited in the account of the seller member. At this time, the amount of VAT payable by the marketplace operator is about KRW 10,000, which is about KRW 909. However, since the marketplace operator is a taxable operator under the VAT law, the credit card sales slip may be displayed as a sales amount of 90,909 won and a value added tax of 9,091 won.

In this case, the amount reported by the marketplace operator to the tax office as a VAT is 9,091 won and VAT 909, and the information received from the credit card company is 90,909 won and VAT 9,091, so a difference occurs. Inevitably, the company is required to ask the operators for the calling data. To prevent this, some marketplace operators may register with VAN as if they were duty-free operators and issue credit card sales slips. That is, it can be displayed as the sales amount of 100,000 won and VAT zero. In this case, the consumer customer has a disadvantage in that he does not receive the VAT purchase tax deduction by receiving a valid credit card sales slip from the marketplace operator. Consumers have to deal with inconvenience, such as requiring a separate tax invoice from the marketplace operator.

In the case of marketplace operators, the amount of KRW 100,000 (the card fee will be ignored) will be deposited in one bankbook, and the amount of KRW 90,000 will be paid to you. This amount should not be used for my own business expenses. However, the same amount of money is deposited in one bank account along with the fee, which can lead to difficulty in managing the funds.

Another example is a travel agency. A travel business is a business that provides information on the use of such facilities, the proxy for the conclusion of contracts, guidance on travel, and other travel conveniences for travelers, transporters, lodging facilities, or managers of other facilities accompanying travel. Article 3) of the Promotion Act That is, a travel agency is a business that sells only transportation facilities and accommodations necessary for travel, and uses only a player's commission as an income source.

In the case of selling 1 million won for 2 days and 3 days of Chinese tourism, the travel agency receives 1 million won from the customer and pays 600,000 won to the airline and 300,000 won for ground fees such as hotels and restaurants in China. Can be mentioned. One million won received from customers is paid 600,000 won to airlines and 300,000 won to local Chinese travel agencies in charge of hotel restaurants in China. This payment is for the travel agency to take the payment that the customer has to pay and deliver it to the airline, etc. The travel agency's income is only 100,000 won.

Therefore, the amount of income of the travel agency to pay the VAT is 100,000 won, but if the payment of the sales of travel goods by credit card may be generated VAT for the total payment amount of 1 million won.

In order to improve this, it may be required to distinguish between the amount attributed to the product seller and the amount to be delivered to another product seller. That is, it may be required to display the agency commission and the VAT on the credit card sales slip and to display the agency purchase amount separately.

As described above, if the payment amount can be divided, in the case of the market place, the consumer member does not need to receive a separate tax invoice from the business operator, and the IRS receives information on the VAT received from the credit card company and the VAT that the market place business operator reports. By matching the information, the problem of requiring and submitting the calling data every time can be avoided.

In addition, when depositing payments from a credit card company to an operator's deposit account, it is required to allow the separate management of funds by depositing the fees attributable to the operator and the money to be transferred to other sellers to a separate deposit account. Can be.

According to the present invention, in the form of a transaction in which a merchandise sales company sells a plurality of products together, the purchase agent fee is used as its own revenue, and the VAT is charged only for the purchase agent fee, that is, the user's profit, not the total payment amount. It is to provide a payment relay server, a method for controlling the payment relay server, and a payment terminal that can be clarified.

The technical objects to be achieved by the present invention are not limited to the technical matters mentioned above, and other technical subjects which are not mentioned can be clearly understood by those skilled in the art from the following description. There will be.

The payment relay server according to an embodiment of the present invention for solving the technical problem, the communication unit performing a communication function with the payment terminal and the payment approval server; A division unit for dividing the approval request into a plurality of approval requests when a payment approval request for a specific product is received from the payment terminal; And a controller for requesting approval of each of the plurality of approval requests to the payment approval server, and receiving a response to each of the plurality of approval requests and transmitting the response to the payment terminal.

In addition, the payment relay server control method according to an embodiment of the present invention for solving the technical problem, the step of receiving a payment approval request for a specific product from the payment terminal; Dividing the approval request into a plurality of approval requests; Requesting a payment approval server for approval of each of the plurality of approval requests; And receiving a response to each of the plurality of approval requests and transmitting the response to the payment terminal.

Payment terminal according to an embodiment of the present invention for solving the technical problem is an output unit; A communication unit performing a communication function with a payment relay server; A division unit for dividing a payment approval request for a specific product into a plurality of approval requests when a payment approval request for a specific product is received; And transmitting approval for each of the plurality of approval requests to the payment relay server, receiving a response to each of the plurality of approval requests, and outputting a payment approval result for the specific product based on the received response. And a controller for controlling the output unit.

The payment relay server, the method for controlling the payment relay server, and the payment terminal according to the present invention include a total payment amount in a transaction form in which a merchandise sales company sells a plurality of other merchandise together and makes a purchase agent fee as its own profit. In other words, it is possible to clarify that the VAT is charged only for the agent's commission, that is, his own profit. In other words, by distinguishing between the agency commission and the purchase amount, it is possible to prevent the inconvenience of having to submit a calling document due to the difference between the amount of tax reported by the business operator as a value-added tax on the tax office and the information that the tax office has received from the credit card company. have. In addition, the purchase agent commission and the agent purchase amount is to be deposited in a separate deposit account, respectively, there is a useful effect in money management.

1 is a block diagram of a payment system according to the present invention.
2 is a flowchart illustrating an example of a payment method performed in the payment system 10 according to an embodiment of the present invention.
3 is a block diagram of a payment relay server according to an embodiment of the present invention.
4 is a flowchart illustrating a method of dividing a payment approval request into a plurality of approval requests in a payment relay server according to an exemplary embodiment of the present invention.
5 is a block diagram of a payment terminal according to an embodiment of the present invention.
6 is a flowchart for outputting a payment approval result in a payment terminal according to an embodiment of the present invention.
7 is a flowchart illustrating still another example of dividing a payment approval request in a payment terminal according to the present invention.
8 is a diagram illustrating an example in which a specific product is classified into a plurality of product groups according to an embodiment of the present invention.
9 is a flowchart illustrating a payment approval server according to an embodiment of the present invention.
10 is a flowchart illustrating an example of a payment processing method of a payment system according to the present invention.
11 is a flowchart illustrating still another example of a payment processing method of a payment system according to the present invention.
12 is a diagram illustrating an example of a credit card sales slip.
13 is a diagram illustrating an example of outputting a payment approval result according to the present invention.
14 illustrates another example of outputting a payment approval result according to the present invention.

In order to fully understand the present invention, the operational advantages of the present invention, and the objects attained by the practice of the present invention, reference should be made to the accompanying drawings which illustrate preferred embodiments of the present invention and the contents described in the accompanying drawings.

In the present specification, when one component 'transmits or transmits' data or a signal to another component, the component may directly transmit or transmit the data or signal to the other component, and at least one It means that the data or signal can be transmitted to the other component through another component. In addition, the suffix "module" and " part "for constituent elements used in the following description are given or mixed in consideration of ease of specification, and do not have their own meaning or role.

The foregoing objects, features and advantages of the present invention will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the preferred embodiments of the present invention, examples of which are illustrated in the accompanying drawings. Like numbers refer to like elements throughout. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

1 is a block diagram of a payment system 10 according to the present invention. When a customer purchases an item, a payment terminal of a credit card merchant may perform payment through credit card sensing or online payment through an online market via the Internet.

The payment system 10 may include a payment relay server 100, a credit card payment terminal 300, a terminal 302 capable of making online payment through a predetermined communication network, and a payment approval server 500. The components shown in FIG. 1 are not essential, so a payment system with more or fewer components may be implemented.

Hereinafter, the components will be described in order.

Payment relay server 100 according to an embodiment of the present invention may correspond to a VAN company server. The VAN company server 100 may serve to relay the payment terminal 300 and the payment approval server 500 connected through the communication networks 200 and 3000. The payment relay server 100 may perform a communication function between the payment terminal 300 and the payment approval server 500 through the communication unit (FIGS. 3 and 110).

A customer may make a credit card payment through the payment terminal 300 to purchase a product. The card payment method may be magnetic tape recognition, NFC tagging, Internet payment, and the like.

As an embodiment of the present invention, the purchase through the credit card payment terminal 300 may be possible. The credit card payment terminal 300 may include a wired / wireless terminal such as a general credit card inquiry machine, a POS terminal, and a PDA. When paying with a credit card, the card reader reads card information, enters card payment information such as payment amount and installment information through a key input unit, encrypts and stores the card payment information in memory, and stores the payment terminal 300. The payment approval request may be transmitted to the payment relay server 100 that plays a relay role of the payment approval request through the communication unit 110.

As another example, credit card payment may be possible in an online market through an Internet connection through an online payment terminal 302. The terminal 302 capable of making online payments may include a desktop computer, a notebook computer, a smart phone, and the like.

The payment approval server 500 may receive a payment approval request from the payment relay server 100 through a packet network and transmit a response to the payment relay server 100. The payment approval server 500 may correspond to a credit card company server.

When a customer (credit card holder, 1) makes a purchase request using his credit card at a credit card merchant to pay for goods or services, the payment process may be as follows.

The merchant prepares a payment approval request by combining the user information contained in the credit card of the customer (1), the transaction details generated by the credit card payment terminal 300 installed in the merchant, and the merchant information, and then the public switched telephone network ( It can be transmitted to the server 100 of the VAN company through a communication network 200, such as a PSTN), a wireless communication network, a dedicated line or a CO-LAN. At this time, since the credit card payment terminal 300 has a device for transmitting information only to a server of a specific VAN company, the payment approval request generated from the specific credit card payment terminal 300 may be transmitted only to the server 100 of the specific VAN company. Can be.

The VAN company server 100 receiving the payment approval request reads information related to the payment approval server included in the user information in the payment approval request, and transmits the combination of data related to the payment approval request to the corresponding payment approval server 500 by using a dedicated packet network ( 400).

The payment approval server 500 receiving the payment approval request compares the user information transaction history and merchant information included in the payment approval request history with the member data or the merchant data, respectively, and both the credit card user and the merchant are disqualified as the transaction member. It can be verified whether there are no reasons and whether the transactions that occurred between them are valid.

Subsequently, the payment approval server 500 may return the result of the payment approval request to the payment relay server 100 relaying the payment approval request through the packet network 400. Here, the payment approval server 500 receives and stores information related to the payment relay server 100 when receiving a payment approval request from the payment relay server 100, and stores the payment approval result in the payment approval request relay history. The server 100 can return to the server 100.

The payment relay server 100 receiving the response to the payment approval request reads the merchant information included in the response to the payment approval request, and through the telephone network 200, the payment terminal 300 of the merchant where the transaction approval request was first generated. The result of the approval request can be returned.

The payment terminal 300 of the affiliate store that has received the payment approval result from the payment relay server 100 may output the payment result so that the user may know the payment result.

2 is a flowchart illustrating an example of a payment method performed in the payment system 10 according to an embodiment of the present invention. Hereinafter, the payment method will be described with reference to necessary drawings.

When the customer 1 makes a credit card payment through the payment terminal 300 (S210), the payment terminal 300 may make a payment approval request to the payment relay server 100 through a communication line (S220). When a payment approval request for a specific product is received from the payment terminal 300, the division unit (FIGS. 3 and 120) of the payment relay server 100 may divide the approval request into a plurality of approval requests (S230). That is, the payment approval request may be divided into two or N as necessary. The division unit (FIG. 3, 120) of the payment relay server 100 may classify a specific product into a plurality of product groups according to a predetermined criterion, and divide the approval request into a plurality of approval requests based on the classification result. The classification of a specific product into a plurality of product groups may be classified based on a plurality of providers providing the specific product. For example, when purchasing a travel product, a plurality of providers providing travel products, that is, a travel agency, a purchasing agent, an airline, a hotel, a restaurant, and the like, can be classified into a plurality of product groups. The customer purchases a travel product through a travel agency and purchases the travel product through a single payment, but in reality, the travel product includes airfare to be delivered to the airline, lodging to be delivered to the hotel, and food to be delivered to the restaurant. This is included. The travel agency should use only the agency commission as the revenue of the travel agency, and the amount excluding the fee should be transferred to other providers, such as airlines, hotels and restaurants.

The payment relay server 100 may divide the payment approval request into a plurality of approval requests for each product group, and transmit the plurality of approval requests to the payment approval server 500 through the communication unit (FIG. 3, 110) (S240). . The payment approval server 500 may transmit a response to each of the plurality of authorization requests by verifying whether the credit card user and the affiliate store have no reason for disqualification as a transaction member, or whether a transaction that occurred between them is valid.

The payment relay server 100 that has received a response to each of the plurality of approval requests may transmit the payment relay server 100 to the payment terminal 300 through a communication line (S260).

The payment terminal 300 may control the output unit (FIGS. 5 and 350) to output the payment approval result for the specific product based on the received response (S270).

The payment approval server 500 may transfer a payment amount corresponding to each of the plurality of approval requests to a deposit account corresponding to each of the plurality of approval requests after a predetermined period of time after the payment is made (S280). The card merchant can allow the purchasing agent fee, air cost, accommodation cost, and food expenses to be deposited into different deposit accounts, and the VAT (purchasing fee) to be charged VAT on the credit card slip that the payment approval result is printed to other sellers. Taxation and money management can be clarified by distinguishing it from the amount that will be paid (agent purchase amount).

3 is a block diagram of a payment relay server 100 according to an embodiment of the present invention.

Referring to FIG. 3, the payment relay server 300 may include a communication unit 110, a division unit 120, a control unit 130, and a database 140. The payment relay server 300 serves to relay the payment terminal 300 and the payment approval server 500 at the time of credit card payment, and divides the payment approval request into a plurality of approval requests for each product group. ) Can be sent.

The communication unit 110 may perform a communication function with the payment terminal 300 and the payment approval server 500. The payment relay server 100 may receive a payment approval request from the payment terminal 300 through the communication unit 110, and receive a response to the payment approval request from the payment approval server 500. The predetermined communication network connecting the payment terminal 300 and the payment relay server 100 may correspond to a predetermined communication line such as a public switched telephone network (PSTN), a wireless communication network, a dedicated line, or a CO-LAN.

The division unit 120 may divide the approval request into a plurality of approval requests when a payment approval request for a specific product is received from the payment terminal 300. According to a predetermined criterion, a specific product to be paid may be classified into a plurality of product groups, and the approval request may be divided into a plurality of approval requests based on the classification result. The classification of a specific product into a plurality of product groups may be based on a plurality of providers providing the specific product.

The controller 130 may request an approval for each of the plurality of approval requests from the payment approval server 500, and receive a response from each of the plurality of approval requests from the payment approval server 500 to transmit to the payment terminal 300. have. In addition, upon approval request for each of the plurality of approval requests, the payment account information and the payment price corresponding to each of the plurality of approval requests may be transmitted to the payment approval server 500.

The database 140 may store deposit account information corresponding to each of the plurality of approval requests. The controller 130 may transmit payment account information and payment corresponding to each of the plurality of approval requests to the payment approval server, when the approval request for each of the plurality of approval requests is made.

The server control method may further include storing the payment account information corresponding to each of the plurality of approval requests and the payment account information and the payment price corresponding to each of the plurality of approval requests at the time of approval request for each of the plurality of approval requests. The method may further include transmitting to.

In the above-described embodiment, the payment relay server 100 has described the step of transmitting the payment account information to the payment approval server 500, but the above steps are not essential, so the payment account information is sent to the payment approval server 500. The transmitting step can be omitted.

The payment approval server 500 may have deposit account information for remitting a payment. The payment approval server 500 may hold the deposit account information corresponding to each of the plurality of payment approval requests, and may transfer the payment amount based on the deposit account information corresponding to each approval request.

For example, a business operator with business registration number 888-88-8888 may be registered with a credit card company as 888-88-8888-1 (bank account A) and 888-88-8888-2 (bank account B). . Therefore, when a plurality of approval requests, it is possible to be transferred to each deposit account based on the separate payment information corresponding to each approval request.

4 is a flowchart illustrating a method of dividing a payment approval request into a plurality of approval requests in the payment relay server 100 according to an exemplary embodiment of the present invention.

4, the payment relay server 100 according to the present invention, from the payment terminal 300

A payment approval request for a specific product may be received (S110).

According to an embodiment of the present disclosure, when a specific product is classified into a plurality of product groups, the payment approval request received from the payment terminal 300 may be divided into a plurality of approval requests based on the product group classification result ( S120, S130).

For example, the payment relay server 100 may store that the credit card affiliate can be classified into N groups at the time of payment of a specific product. That is, it can be stored that is classified into Group 1, Group 2, Group 3 for a particular product. For example, it can be stored that the A can be classified into A-1 group, A-2 group, A-3 group based on the product A or the business registration number or unique number of the affiliated store. In this case, it is possible to specify and store whether VAT is subject to tax for each group. The credit card merchant may announce that the request is made by dividing the payment authorization request into N before the customer pays the credit card.

The payment relay server 100 may request the payment approval server 500 to approve each of the divided approval requests (S140). The payment relay server 100 may receive a response to the payment approval request from the payment approval server 500 (S150). The payment relay server 100 may transmit the received response to the payment terminal 300 (S160).

If the specific product is not classified into a plurality of product groups, the payment relay server 100 may not divide the payment approval request (S120). In this case, the payment relay server 100 makes a payment approval request to the payment approval server 500 (S140), receives a response to the approval request from the payment approval server 500 (S150), and the payment terminal ( In step S160, the received response may be transmitted.

5 is a block diagram of a payment terminal 300 according to an embodiment of the present invention.

Referring to FIG. 5, the payment terminal 300 may include a communication unit 310, a division unit 320, a control unit 330, a memory 340, an output unit 350, and a user input unit 360. The payment terminal 300 may include at least one of a credit card payment terminal 300 of a credit card merchant and a terminal 302 capable of online payment through a predetermined communication network.

The communication unit 310 may perform a communication function with the payment relay server 100. The payment terminal 300 may request a credit card payment approval from the payment relay server 100 through the communication unit 310. The payment terminal 300 may receive a response to the payment approval request from the payment relay server 100 through the communication unit 310.

When the payment approval request for the specific product is received, the division unit 320 may divide the payment approval request for the specific product into a plurality of approval requests. Although an example in which the payment relay server 100 divides the payment approval request is described as an embodiment of the present invention, in another embodiment of the present invention, the payment terminal 300 divides the payment approval request into a plurality of approval requests. You may.

The control unit 330 transmits an approval for each of the plurality of approval requests to the payment relay server 100, receives a response to each of the plurality of approval requests, and receives a payment approval result for a specific product based on the received response. The output unit 350 may be controlled to output.

The memory 340 may store various programs and data for driving the payment terminal 300 and may permanently or temporarily store data generated while driving the payment terminal 300. For example, the memory 340 may store user information, transaction history, and merchant information contained in a credit card for credit card payment.

The output unit 350 may include a print unit 351 and a display unit 353. The print unit 351 may output the payment approval result received from the payment relay server 100 as a slip. The display 353 may display a payment approval result received from the payment relay server 100. The payment approval result may include confirmation of payment completion, transaction details, payment amount, and the like.

The user input unit 360 may generate data for inputting a card payment price, inputting a divided amount of a payment price, transmitting an authorization request, etc. according to a user's manipulation. The business operator may divide and enter a card payment price for each of a plurality of product groups at the time of card payment.

For example, in the case of a travel agency, an egg player fee may vary for each travel product. Even if the travel products A and B are 1 million won, the A player fee for A may be 100,000 won, and the A player fee for B may be 200,000 won. In such a case, the mediation fee and the agency purchase amount may be adjusted and input through the user input unit 360 of the payment terminal 300 each time the travel product is sold.

In the case where the pre-payment fee and the agency purchase amount are automatically divided at a predetermined rate, the step of inputting the divided amount of the settlement price may be omitted.

The user input unit 360 may be implemented as a keypad having a plurality of hardware input keys, or may be implemented as a touch screen in which a plurality of soft keys are displayed. However, the scope of the present invention is not limited thereto.

6 is a flowchart for outputting a payment approval result in a payment terminal 300 according to an embodiment of the present invention.

Referring to FIG. 6, when a customer purchases an item with a credit card, when the payment approval is made from the payment approval server 500 by the relay of the payment relay server 100, the payment process may be completed.

When a customer purchases an item at a credit card merchant, the customer may make a credit card payment with the payment terminal 300 (S310). The payment terminal 300 may make a payment approval request to the payment relay server 100 through a predetermined communication network (S320). The payment terminal 300 may receive a response indicating whether the payment is approved from the payment relay server 100 (S330). When the payment approval is recognized, the payment terminal 300 may output the payment approval result through the output unit 350. As described above, the payment approval result may be displayed as visual information by the output unit 350 or may be output as a slip.

7 is a flowchart illustrating still another example of dividing a payment approval request in the payment terminal 300 according to the present invention.

Although an example in which the payment relay server 100 divides the payment approval request is described as an embodiment of the present invention, in another embodiment of the present invention, the payment terminal 300 divides the payment approval request into a plurality of approval requests. You may.

The customer may request a payment from the payment terminal 300. That is, the payment terminal 300 may receive a payment approval request for a specific product (S311). The payment terminal 300 may divide the payment approval request into a plurality of approval requests for each of the plurality of product groups (S313).

For example, the credit card merchant may pre-set that the payment terminal 300 is classified into N product groups for a certain product. Payments for each of the N product groups can be automatically divided according to a predetermined ratio to be entered as N amounts, or the operator may enter the respective amounts for each payment.

The payment terminal 300 may transmit the approval for each of the divided approval requests to the payment relay server 100 (S315). The payment terminal 300 may receive a response to each of the plurality of approval requests from the payment relay server 100 (S317). The payment terminal 300 may output the payment approval result for the specific product through the output unit 350 (S319).

For example, when the operator inputs one credit card payment, the payment terminal 300 may display two or N amounts of money so that the payment amount can be input for each product group. At this time, the two or N amount of money may be automatically divided according to a predetermined ratio, and the operator may input the corresponding amount for each payment. When the payment terminal 300 receives two or N payment approval requests for each group, the payment terminal 300 may make a request for approval to the payment relay server 100 by changing a payment price for each product group.

8 is a diagram illustrating an example in which a specific product is classified into a plurality of product groups according to an embodiment of the present invention.

Referring to FIG. 8, a particular product 400 according to the present invention may be classified into a plurality of groups 411, 412, 413, and 414. The specific product 400 may mean a product that a customer wants to purchase, that is, a payment target product. The specific product 400 may refer to a unit that is traded as one product.

The specific product 400 may be classified into a plurality of product groups. The plurality of product groups may be classified based on a plurality of providers that provide specific products.

For example, in the case of a travel product, the plurality of providers may include a travel agency of provider 1 421, an airline of provider 2 422, a hotel of provider 3 423, and a restaurant of provider 4 424. That is, the plurality of product groups 411, 412, 413, and 414 may be classified based on the plurality of providers 421, 422, 423, and 424.

9 is a flowchart of a payment approval server 500 according to an embodiment of the present invention.

9, the payment approval server 500 according to the present invention may receive a payment approval request from the payment relay server 100 (S510). The payment approval server 500 receiving the payment approval request compares the user information transaction history and merchant information included in the payment approval request history with the member data or the merchant data, respectively, and both the credit card user and the merchant are disqualified as the transaction member. It can be verified whether there are no reasons and whether the transactions that occurred between them are valid.

The payment approval server 500 may transmit a response to the payment approval to the payment relay server 100 (S520). The payment approval server 500 may return the result of the payment approval request to the payment relay server 100 which relayed the payment approval request through the packet network 400. Here, the payment approval server 500 receives and stores information related to the payment relay server 100 when receiving a payment approval request from the payment relay server 100, and stores the payment approval result in the payment approval request relay history. The server 100 can return to the server 100.

If the payment request is approved, the payment approval server 500 may transfer the payment to a predetermined deposit account after a predetermined period of time (S530). The deposit account may be a deposit account designated by the credit card merchant. The payment approval server 500 may remit payment for each of a plurality of product groups to a separate payment account.

10 is a flowchart illustrating an example of a payment processing method of the payment system 10 according to the present invention.

Referring to FIG. 10, a credit card affiliated store according to an embodiment of the present invention may correspond to a travel agency. Through the credit card payment terminal 630 of the travel company, the customer 600 may pay for the travel goods by credit card (S610). The credit card payment terminal 630 may transmit a payment approval request to the VAN company server 610 through a predetermined communication line (S620).

The VAN company server 610 may divide a payment approval request for each product group. The plurality of product groups may be product groups provided by a travel agency, an airline, a hotel, a restaurant, etc. included in a specific travel product. The plurality of payment approval requests divided for each product group may be transmitted to the credit card company server 650, respectively (S630). The credit card company server 650 may determine whether to approve a plurality of payment approval requests, and transmit a response of whether to approve each product group, that is, a payment approval result to the VAN company server 610 (S640).

The VAN company server 610 may transmit the received payment approval result to the credit card payment terminal 630 (S650). Then, the credit card payment terminal 630 may output the payment approval result through the print unit 351 as a slip or may be displayed through the display unit 353, and the agency purchase amount and the purchase agent fee are displayed separately. It may be (S660). The customer can check the payment approval result, and can check the payment details for each product group and the purchase agency fee separately. In addition, the travel agent may report to the IRS a document in which the agency commission is separately indicated. Therefore, the information on the VAT reported by the travel agency and the information on the VAT transmitted from the credit card company by the IRS can be clearly clarified.

If a certain period of time passes after the credit card payment is made, the credit card company server 650 may remit the card payment to the deposit account designated by the credit card merchant. The credit card merchant may designate a deposit account of a payment price for each of a plurality of payment approval requests divided based on a plurality of product groups. The credit card company server 650 may deposit a payment amount corresponding to each of the plurality of authorization requests to a deposit account corresponding to each of the plurality of authorization requests (S670). For example, the agency's purchase agency fee may be remitted to account 1 660 and the agency purchase amount to account 2 670.

In the above-described embodiments, the VAN company server 610 described an example of dividing the payment approval request for each product group, the payment terminal 630 may of course divide the payment approval request for each of a plurality of product groups.

11 is a flowchart illustrating still another example of a payment processing method of a payment system according to the present invention.

Referring to FIG. 11, a credit card affiliate store according to an embodiment of the present invention may correspond to an online marketplace. The online marketplace operator connects the seller member 780 and the consumer member 700, and refers to a business operator who pays a fee for it while acting for payment. The consumer member 700 who purchases the goods in the online marketplace may purchase the goods through online payment. That is, a credit card payment may be made through a terminal capable of making online payment through a predetermined communication network, for example, a computer or a smartphone (S710). When a credit card payment is requested through the Internet, the payment terminal may transmit a payment approval request to the VAN company server 710 through a predetermined communication network (S720). The VAN company server 710 may classify a specific product targeted for a payment request into a plurality of product groups, and divide the payment approval request into a plurality of payment approval requests based on the classification result. The VAN company server 710 may transmit a plurality of payment approval requests to the credit card company server 750 (S730). The credit card company server 750 may transmit a response to each of the plurality of authorization requests to the VAN company server 710 (S740). The VAN company server 710 can transmit a response to each of the received approval requests to the online payment terminal 730 (S750). The online payment terminal may output a payment approval result (S760). The payment approval result may be displayed on the display unit of the online payment terminal 730. The agency's purchase commission and the amount of sales to be delivered to the seller member may be displayed separately, and the consumer member may check the payment history. After a certain period of time has passed after the payment is made, the credit card company may transfer the payment to the deposit account designated for each product group (S770). For example, the new credit card company server 750 may transfer the payment to be delivered to the seller member to account 1 760, and the purchase agency fee of the online marketplace operator may transfer to account 1 760. .

Online marketplace operators can be useful for money management by separating the fees corresponding to their profits and the charges to be delivered to seller members and depositing them into a separate deposit account. In addition, since the agency purchase amount that is to be delivered to the seller member is separately displayed on the sales slip, it is possible to clarify the VAT imposition. That is, the information on the VAT reported by the marketplace operator and the information about the VAT to be transmitted from the credit card company in the IRS may be identical. Marketplace operators may not have to submit their vocations each time.

In the above-described embodiments, the VAN company server 710 has described an example of dividing the payment approval request for each product group, but the payment terminal 730 may divide the payment approval request for each of the plurality of product groups.

12 is a diagram illustrating an example of a credit card sales slip.

The example of the sales slip illustrated in FIG. 12 may correspond to an example in which a specific product to be paid is not classified by a plurality of product groups. In addition, this may correspond to an example in which the VAN company server or the payment terminal selects not to be divided into a plurality of approval requests.

The sales slip shown in FIG. 12 is a sales slip when a customer pays a credit card for 100,000 won. The total amount of payments processed by one card sensing by the credit card checker may be described, for example, the price of one travel product purchased at a travel agency and one product purchased at an online marketplace. However, if the article is sold for 100,000 won, the seller must pay a certain value-added tax. For example, in the case of the sale of goods subject to 10% VAT, the sales amount (811) 90,909 won, value-added tax (813) 9,091 won and the total amount (815) 100,000 won may be displayed.

In the case of a business that a seller of a product is acting as a purchase agent, only a certain fee belongs to the seller, and the agency purchase amount of the item may correspond to an amount to be transferred to others. However, when the agent purchase amount and the purchase agent fee are not separately displayed as shown in FIG. 12, VAT may be charged based on 100,000 won.

13 is a diagram illustrating an example of outputting a payment approval result according to the present invention.

Referring to FIG. 13, when a customer purchases an item of 100,000 won, the sales slip may be displayed separately from the agency purchase amount and the purchase fee. This may be the case in the case of a business entity where the seller of goods is acting for the purchase.

Since the agency purchase amount is the amount to be delivered to other product sellers, and the purchase fee is the amount of profit of the seller, the VAT may be added to the profit portion of the seller.

Referring to FIG. 13, the product price of 100,000 won is made up of agency purchase amount of 90,000 won and purchase fee of 9,091 won, and 10% of the profit is exempted from VAT. The sales slip can be represented by agency purchase amount of 90,000 won, purchase fee of 9,091 won, VAT 909 won, and total amount of 100,000 won.

14 illustrates another example of outputting a payment approval result according to the present invention.

Referring to FIG. 14, a specific product targeted for payment may be classified into a plurality of product groups. The plurality of product groups may include AAA, BBB, and seller's purchase fee. Even if a product is purchased as a single product in a transaction, the product may be displayed separately by a plurality of product groups, and the unit price and quantity for each item may be displayed separately.

The AAA item 851 may be displayed at a unit price of 40,000 won, a quantity of 2, and an amount of 80,000 won. The BBB item 853 may be expressed as a unit price of 10,000 won, a quantity of 1, and an amount of 10,000 won. Payment for the AAA item 851 and the BBB item 853 is an amount to be delivered to other goods sellers may not be subject to VAT. Since the purchase fee 855 corresponds to the profit of the seller of the payment product, a certain amount of VAT may be charged. That is, the purchase fee 855 may be 9,091 won and VAT 857 909 won. The total amount 859 may be expressed as 100,000 won, which is the sum of the AAA item 851, the BBB item 853, the purchase fee 855, and the value added tax 857.

In the above-described embodiments, the case in which separate funds management is required to clarify that VAT is charged for a part of the total payment amount is described. However, when there is a need to perform the funds management as a separate deposit account, Of course, all of them are applicable.

For example, in the case of an entertainment establishment, if the service fee and drink price of an employee are to be processed in a single payment, but the business operator wants to deposit a separate deposit account, a promotion of using a certain portion of the sales amount as a donation fund is needed. In the case of a company, this may be the case when it is desired to receive a deposit in a separate deposit account.

In addition, the direct distribution of agricultural and marine products distributors may spend a certain portion of the sales amount to support farmers and fishers, so that a part of the payment amount may be managed by a separate account.

As described above, each of the payment methods performed in the payment system 10 according to the present invention may be implemented in a program form that can be executed by various computer means and recorded in a computer readable medium. The computer-readable medium may include program instructions, data files, data structures, and the like, alone or in combination. The program recorded on the medium may be those specially designed and constructed for the present invention or may be those known to those skilled in the computer software.

Examples of computer-readable media include magnetic media such as hard disks, floppy disks and magnetic tape; optical media such as CD-ROMs and DVDs; magnetic media such as floppy disks; Magneto-optical media, and hardware devices specifically configured to store and execute program instructions such as ROM, RAM, flash memory, and the like. Examples of programs include high-level language code that can be executed by a computer using an interpreter or the like, as well as machine code as produced by a compiler. The hardware device described above may be configured to operate as one or more software modules to perform the operations of the present invention, and vice versa.

As described above, the present invention has been described by way of limited embodiments and drawings, but the present invention is not limited to the above embodiments, and those skilled in the art to which the present invention pertains various modifications and variations from such descriptions. This is possible.

Therefore, the scope of the present invention should not be limited to the described embodiments, but should be determined not only by the claims below but also by the equivalents of the claims.

10: payment system 100: payment relay server
300: payment terminal 500: payment approval server

Claims (15)

A communication unit performing a communication function with a payment terminal and a payment approval server;
A division unit for dividing the approval request into a plurality of approval requests when a payment approval request for a specific product is received from the payment terminal; And
And a control unit for requesting approval of each of the plurality of approval requests to the payment approval server, and receiving a response to each of the plurality of approval requests and transmitting the received response to the payment terminal. The method according to claim 1,
Wherein,
And classifying the specific product into a plurality of product groups according to a predetermined criterion, and dividing the approval request into the plurality of approval requests based on the classification result. The method of claim 2,
Wherein,
The payment relay server, characterized in that to classify the specific product into a plurality of product groups on the basis of a plurality of providers providing the specific product. 3. The method of claim 2,
The payment relay server,
Further comprising a database for storing the deposit account information corresponding to each of the plurality of approval requests,
The control unit,
Upon approval request for each of the plurality of approval requests, The payment relay server, characterized in that for transmitting the payment account information and the payment amount corresponding to each of the plurality of approval request to the payment approval server. 5. The method of claim 4,
The payment approval server,
The payment relay server, characterized in that for depositing a payment amount corresponding to each of the plurality of approval requests to the payment account corresponding to each of the plurality of approval requests. The method according to claim 1,
The payment terminal,
A server comprising at least one of a credit card payment terminal and a terminal capable of online payment through a predetermined communication network. Receiving a payment approval request for a specific product from a payment terminal;
Dividing the approval request into a plurality of approval requests;
Requesting a payment approval server for approval of each of the plurality of approval requests;
And receiving a response to each of the plurality of approval requests and transmitting the response to the payment terminal. The method of claim 7, wherein
Wherein the dividing step comprises:
Classifying the specific product into a plurality of product groups according to a predetermined criterion; and
And dividing the approval request into the plurality of approval requests based on the classification result. 9. The method of claim 8,
The server control method,
Storing deposit account information corresponding to each of the plurality of approval requests in a database; And
And transmitting the payment account information and the payment amount corresponding to each of the plurality of approval requests to the payment approval server when the approval request for each of the plurality of approval requests is made. 10. The method of claim 9,
The payment approval server,
And depositing a payment corresponding to each of the plurality of approval requests into a deposit account corresponding to each of the plurality of approval requests. An output unit;
A communication unit performing a communication function with a payment relay server;
A division unit for dividing a payment approval request for a specific product into a plurality of approval requests when a payment approval request for a specific product is received; And
Send an approval for each of the plurality of approval requests to the payment relay server, receive a response to each of the plurality of approval requests, and output a payment approval result for the specific product based on the received response; And a control unit for controlling the output unit. 12. The method of claim 11,
Wherein,
And classifying the specific product into a plurality of product groups according to a predetermined criterion, and dividing the approval request into the plurality of approval requests based on the classification result. 13. The method of claim 12,
Wherein,
The payment terminal, characterized in that to classify the specific product into a plurality of product groups on the basis of a plurality of providers providing the specific product. 12. The method of claim 11,
The control unit,
The payment terminal, characterized in that for controlling the output unit to output the payment approval result for the particular product as a slip through a print unit or to be displayed through a display unit. 13. The method of claim 12,
The control unit,
The payment terminal characterized in that the control to display the payment details are displayed based on the response to each of the plurality of approval requests.

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