KR20160133704A - System for processing realtime payment transaction using overseas prepayment cash and method thereof - Google Patents

Abstract

The present invention provides a real-time settlement system for a fund paid by using overseas prepaid cash and a method thereof, which are capable of reducing a settlement time to the maximum and effectively preventing a mismatch between a money amount at the time of a domestic sale and a money amount at the time of receiving a payment fund due to an exchange fluctuation according to a settlement time difference by allowing a domestic online seller or an offline franchise to settle a fund paid in a domestic online shop or an offline shop through overseas prepaid cash by an overseas purchaser in real time. According to the present invention, the real-time settlement system for a fund paid by using overseas prepaid cash comprises: a domestic franchise terminal which recognizes an overseas purchasers characteristic code displayed on a screen of an overseas purchaser terminal and transmits a transaction approval request message by using the recognized overseas purchasers characteristic code and information on a purchase payment paid by using domestic cash; a VAN server which receives the transaction approval request message transmitted from the domestic franchise terminal, transmits the transaction approval request message by converting the transaction approval request message by using a first foreign currency, and receives a transaction approval completion message with respect to the transaction approval request message and transmits the transaction approval completion message to the domestic franchise terminal; an overseas settlement server which analyzes the transaction approval request message transmitted from the VAN server, when information on a client corresponding to the overseas purchaser is present, transmits a withdrawal approval request message to the overseas purchaser terminal by converting the first foreign currency into a second foreign currency based on the overseas prepaid cash of an online virtual account refilled by the overseas purchaser, and when a withdrawal approval completion message is received with respect to the withdrawal approval request message, transmits the transaction approval completion message to the VAN server and sends a withdrawal approval purchase payment converted into the second foreign currency to a prepaid cash account established by a domestic franchise owner in real time; and a finance server which performs real-time settlement by converting the withdrawal approval purchase payment sent to the prepaid cash account from the overseas settlement server into the first foreign currency and depositing the withdrawal approval purchase payment to the a domestic franchise account.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system and method for real-

The present invention relates to a system and method for real-time settlement of funds paid by foreign buyers to overseas online prepayment in online or offline shops.

With the development of transportation, international travel has become more frequent, the number of overseas tourists is continuously increasing, the number of foreign tourists visiting Korea is increasing, and this trend is likely to continue.

It is expected that the number of foreign tourists visiting Korea will increase steadily due to the Korean wave craze and the depreciation of the won value.

Currently, the most uncomfortable part of visiting foreign tourists visiting Korea is the lack of language and the exchange of domestic currency into domestic currency. Various attempts have been made to provide an interpretation service through a network to solve the problem that the language does not communicate. However, attempts to solve the problem of currency exchange are insufficient.

Foreign tourists have to visit the bank to exchange their currencies into domestic currencies. Even if you visit a bank, there are not many staffs who can freely communicate with foreign tourists at the bank. In addition, if you visit a bank, exchange money in domestic currency, and then transfer it back to its own currency, currency loss will occur.

For example, when exchanging dollars into the Korean won and exchanging the won into dollars, the standard prices are different, and especially when the won is converted into dollars, the reference price is high, so foreign tourists exchange the dollars into domestic currency, When currency is converted into dollars, exchange loss occurs due to difference in base price.

In addition, if the foreign currency is changed again after domestic currency is exchanged, domestic coins other than banknotes can not be exchanged for their own coins. Therefore, foreign tourists are forced to take domestic coins as they are, and domestic coins can not be circulated in their own countries, which is equivalent to a real exchange loss.

In order to solve such a problem, a third party payment system using foreign prepaid money such as Alipay, Paypal, etc. has been commercialized recently. Such a third party payment system may be used to register an individual's bank account or credit card in an Alipay or PayPal service account (or account) to receive goods or services from an online (ie, an e-commerce website) or an offline store (ie, It is an electronic wallet service that you use when making payments.

That is, the third-party payment system includes an 'escrow platform' role in which a purchasing price is held for a period of time from the time of settlement to the buyer, and the buyer conveys the purchase price to the domestic seller or the merchant after confirming receipt of the goods, After charging the Ali Pay amount to the account, it carries out a 'cash' role to purchase goods or services from online or offline shops.

However, in the case of overseas card payment, overseas prepaid company, and other shipping gold trade, the amount of money at the time of domestic sale and the amount at the time of receiving the settlement fund are disagreemented. In this case, This is because the exchange rate difference occurs due to the time difference when the won is converted by the real-time exchange rate at the time of receipt. At this time, there is a problem that a domestic franchisee or a seller has a risk of receiving, for example, a thousand won for a sales amount of 10,000 won.

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above-mentioned problems, and it is an object of the present invention to provide a method and apparatus for an overseas buyer to settled in advance a domestic online retailer or an offline merchant, Real-time settlement of funds deposited with overseas prepayment currency so that the settlement time can be shortened as much as possible and the amount of the settlement fund at the point of sale can be effectively prevented from being disagree System and method therefor.

In order to achieve the above object, a first aspect of the present invention is a method for identifying an overseas purchaser unique code displayed on a screen of an overseas purchaser terminal, using the purchased purchase price information, A domestic merchant terminal for transmitting a transaction approval request message; A transaction approval request message transmitted from the domestic merchant terminal and converted into a first foreign currency to transmit a transaction approval request message, and receiving a transaction approval completion message for the transaction approval request and transmitting the transaction approval request message to the domestic merchant terminal ; Analyzing the transaction approval request message transmitted from the service server to convert the first foreign currency into the second foreign currency based on the foreign prepayment of the online virtual account charged by the foreign purchaser when the customer information corresponding to the foreign purchaser exists Transmits a withdrawal approval request message to the foreign purchaser terminal, and when receiving a withdrawal approval completion message for the withdrawal approval request, transmits a transaction approval completion message to the subscriber server, An overseas settlement server for real-time remittance of an approved purchase price to an overseas prepayment account accounted by a domestic merchant state; And a financial server for converting the withdrawal approved purchase price remitted to the foreign prepayment account by the foreign settlement server into the first foreign currency, depositing the same into the domestic merchant account, and real-time settlement, Real-time settlement system.

Here, it is preferable that the foreign purchaser terminal generates an encrypted unique buyer unique code using an electronic payment related application provided in advance, and displays it on a screen.

Preferably, the foreign purchaser unique code is used in a single use and may be deleted through the foreign buyer terminal or the overseas payment server upon completion of the transaction.

Preferably, the foreign purchaser unique code may include at least one of a QR code, a bar code, an image code, a character code, and a numeric code.

Preferably, the subscriber server transmits a transaction approval request message for the purchase price converted into the first foreign currency to the foreign settlement server, and receives a transaction approval completion message for the transaction approval request from the foreign settlement server It can be converted into fire resistance and transmitted to the domestic merchant terminal.

The second aspect of the present invention is a domestic seller server for receiving purchase charge information settled with refractory together with specific product purchase request information through electronic electronic settlement from an overseas buyer terminal and transmitting a transaction approval request message using the received purchase charge information; A transaction approval request message transmitted from the domestic seller server and converted into a first foreign currency to transmit a transaction approval request message, and a transaction approval message for the transaction approval request is received, ; Analyzing the transaction approval request message transmitted from the service server to convert the first foreign currency into the second foreign currency based on the foreign prepayment of the online virtual account charged by the foreign purchaser when the customer information corresponding to the foreign purchaser exists Transmits a withdrawal approval request message to the foreign purchaser terminal, and when receiving a withdrawal approval completion message for the withdrawal approval request, transmits a transaction approval completion message to the subscriber server, An overseas settlement server for real-time remittance of an approved purchase price to an overseas prepayment account accounted by a domestic seller; And a financial server for converting the withdrawal approval purchase price remitted to the foreign prepayment account by the foreign settlement server into the first foreign currency, depositing the same into the domestic seller account, and real-time settlement, Thereby providing a settlement system.

Preferably, the domestic seller server is a server that operates an online shopping mall service and relays goods or services between at least one seller and a buyer.

Preferably, the subscriber server transmits a transaction approval request message for the purchase price converted into the first foreign currency to the foreign settlement server, and receives a transaction approval completion message for the transaction approval request from the foreign settlement server It can be converted into fire resistance and transmitted to the domestic seller server.

Preferably, the refractory is made of a Korean currency, the first foreign currency is made up of dollars, and the second foreign currency is made up of the foreign currency of the foreign buyer.

Preferably, the subscriber server converts the purchase price of the refractory into the first foreign currency according to the current exchange rate information, and the overseas settlement server transmits the purchase price converted into the first foreign currency to the second foreign currency And the financial server may convert the purchase price converted into the second foreign currency into the first foreign currency again according to the current exchange rate information.

Preferably, the financial server comprises a domestic bank or a credit card company server disposed in a foreign country in cooperation with the overseas settlement server, and the withdrawal approval purchase amount transferred to the overseas prepayment account of the domestic bank or the card company server disposed overseas Into the first foreign currency and deposit the foreign currency into the seller account of the domestic bank or the card company server disposed in the domestic market.

A third aspect of the present invention is a method for real-time settlement of funds deposited by overseas prepayment using a system including an overseas purchaser terminal, a domestic merchant terminal, a van server, an overseas payment server, and a financial server, Recognizing the unique code of the foreign purchaser displayed on the screen of the foreign purchaser terminal through the domestic merchant terminal and transmitting a transaction approval request message using the refunded purchase price information together with the recognized foreign buyer unique code; (b) receiving a transaction approval request message transmitted in the step (a) through the server, converting the foreign transaction into a first foreign currency, and transmitting a transaction approval request message; (c) analyzing the transaction approval request message transmitted in the step (b) through the foreign settlement server, and if the customer information corresponding to the foreign purchaser exists, prepares foreign prepayment of the online virtual account charged by the foreign purchaser Converting the first foreign currency into a second foreign currency and transmitting a withdrawal approval request message; (d) receiving a withdrawal approval request message transmitted in the step (c) through the foreign purchaser terminal and transmitting a withdrawal approval completion message according to approval of the foreign purchaser; (e) receiving a withdrawal approval completion message transmitted in the step (d) through the foreign settlement server and transmitting a transaction approval completion message for the transaction approval request; (f) receiving the transaction approval message transmitted in the step (e) through the subscriber server and delivering the message to the domestic merchant terminal; (g) real-time remittance of the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server to the foreign prepayment account accounted by the domestic franchisee; And (h) converting the withdrawal approval purchase amount remitted at the step (g) through the financial server into the first foreign currency, depositing the withdrawal approval purchase amount into the domestic merchant account, and real-time settlement, And real time settlement method for real time.

Preferably, the method further comprises the step of generating an encrypted unique buyer unique code using the electronic payment related application previously provided through the buyer terminal and displaying the encrypted unique buyer unique code on the screen before the step (a).

Preferably, in the step (a), the unique code of the foreign purchaser is used in one-time use and may be deleted through the foreign purchaser terminal or the overseas payment server upon completion of the transaction.

Preferably, in step (a), the foreign purchaser unique code may include at least one of a QR code, a bar code, an image code, a character code, and a numeric code.

Preferably, in the step (f), the subscriber server receives the transaction approval message transmitted in the step (e), converts the transaction approval message into fire resistance, and transmits the message to the domestic merchant terminal.

A fourth aspect of the present invention is a method for real-time settlement of funds deposited by overseas prepayment using a system including an overseas purchaser terminal, a domestic seller server, a van server, an overseas payment server, and a financial server, Receiving, from the foreign purchaser terminal, purchase purchase payment information settled with refractory together with specific product purchase request information through electronic electronic payment through the domestic seller server, and transmitting a transaction approval request message using the received purchase payment information; (b ') receiving the transaction approval request message transmitted in step (a') through the subscriber server, converting the transaction approval request message into a first foreign currency, and transmitting a transaction approval request message; (c ') analyzing the transaction approval request message transmitted in the step (b') via the foreign settlement server, and when there is customer information corresponding to the foreign purchaser, the prepaid foreign currency Converting the first foreign currency into a second foreign currency and transmitting a withdrawal approval request message based on the first foreign currency; (d ') receiving a withdrawal approval request message transmitted in the step (c') through the foreign purchaser terminal and transmitting a withdrawal approval completion message according to approval of the foreign purchaser; (e ') receiving a withdrawal approval completion message transmitted in step (d') through the foreign settlement server and transmitting a transaction approval completion message for the transaction approval request; (f ') receiving the transaction approval completion message transmitted in the step (e') through the subscriber server and delivering it to the domestic seller server; (g ') real-time remittance of the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server to the foreign prepayment account accounted by the domestic seller; And (h ') converting the withdrawal approved purchase price remitted at the step (g') through the financial server into the first foreign currency, depositing the withdrawn approval purchase price into the domestic seller account and real-time settlement, Real-time settlement method for funds.

Preferably, in the step (a '), the domestic seller server may be a server that operates an online shopping mall service and relays goods or services between at least one seller and a buyer.

Preferably, in the step (f '), the subscriber server receives the transaction approval message transmitted in the step (e'), converts the transaction approval message into fire resistance, and transmits the fire resistance to the domestic seller server.

Preferably, the refractory is made of a Korean currency, the first foreign currency is made up of dollars, and the second foreign currency is made up of the foreign currency of the foreign buyer.

Preferably, in the step (b) or (b '), the subscriber server converts the purchase price of the refractory into the first foreign currency in accordance with the current exchange rate information, and in the step (c) , The foreign settlement server converts the purchase price converted into the first foreign currency into the second foreign currency again according to the current exchange rate information, and in the step (h) or (h '), And convert the purchase price converted into the second foreign currency into the first foreign currency according to the exchange rate information.

Preferably, in the step (h) or the step (h '), the financial server is composed of a domestic bank or a credit card company server arranged in foreign countries in cooperation with the overseas payment server, The withdrawal approval purchase amount transferred to the overseas prepaid currency account of the server can be converted into the first foreign currency and deposited into the seller account of the domestic bank or the card company server disposed in the domestic market.

According to the system and method for real-time settlement of funds settled by the overseas prepayment method of the present invention as described above, it is possible to provide a system and method for real- The settlement time can be shortened as much as possible and it is possible to effectively prevent the discrepancy between the amount at the time of domestic sale due to the exchange rate change of the settling time difference and the amount at the time of receiving the settlement funds.

In addition, according to the present invention, a settlement payment is deposited in real-time to an overseas prepayment account pre-accounted in advance by a domestic merchant or seller to a domestic financial institution disposed in foreign countries in cooperation with an overseas payment server, It is possible to prevent the contingent liabilities by receiving the payment in real time and it is also advantageous that the domestic financial institution collects all of the domestic franchisees or sellers in a lump sum and can settle small amounts every day.

FIG. 1 is a block diagram of an overall system for explaining a real-time settlement system for funds paid by foreign prepayment according to an embodiment of the present invention.
FIG. 2 is a general flowchart illustrating a real-time settlement method for funds deposited by overseas prepayment according to an embodiment of the present invention.
FIG. 3 is a block diagram illustrating a real-time settlement system for funds deposited by overseas prepayment according to another embodiment of the present invention.
FIG. 4 is a flowchart illustrating a real-time settlement method for funds deposited by overseas prepayment according to another embodiment of the present invention.

The above and other objects, features, and advantages of the present invention will become more apparent by describing in detail exemplary embodiments thereof with reference to the attached drawings, which are not intended to limit the scope of the present invention. In the following description, well-known functions or constructions are not described in detail since they would obscure the invention in unnecessary detail.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The embodiments of the present invention are provided to enable those skilled in the art to more fully understand the present invention. In the drawings, the same reference numerals are used to denote the same or similar elements.

FIG. 1 is a block diagram illustrating a real-time settlement system for funds paid by foreign prepayment according to an embodiment of the present invention. In an overseas offline merchant, an overseas buyer purchases goods or services, This figure shows the method of paying the money in foreign currency prepaid.

Referring to FIG. 1, a real-time settlement system for funds deposited with foreign prepayment according to an embodiment of the present invention includes an international buyer terminal 100, a domestic merchant terminal 200, a van server 300, A payment server 400, a financial server 500, and the like.

Here, the overseas buyer terminal 100 is connected to the overseas settlement server 400 via the communication network 10, and the communication network 10 is a communication network which is a high-speed period network of a large communication network capable of a large-capacity, long- (WiFi, Wibro, Wimax, etc.) for providing high-speed multimedia service to the Internet or the next generation wireless network.

The Internet includes a plurality of services such as HTTP (Hyper Text Transfer Protocol), Telnet, File Transfer Protocol (FTP), Domain Name System (DNS), Simple Mail Transfer Protocol (SMTP) Refers to a worldwide open computer network structure that provides a Simple Network Management Protocol (SNMP), a Network File Service (NFS), and a Network Information Service (NIS). An arbitrary foreign purchaser of the foreign purchaser terminal 100, Lt; RTI ID = 0.0 > 400 < / RTI > Meanwhile, the Internet may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet.

If the communication network 10 is a mobile communication network, it may be a synchronous mobile communication network or an asynchronous mobile communication network. As an embodiment of the asynchronous mobile communication network, a WCDMA (Wideband Code Division Multiple Access) communication network is exemplified. In this case, although not shown in the drawing, the mobile communication network may include a Radio Network Controller (RNC). Meanwhile, although the WCDMA network is taken as an example, it may be a next generation communication network such as a 3G LTE network, a 4G network, and a 5G network, or an IP network based on other IPs. The communication network 10 transfers signals and data between the foreign purchaser terminal 100 and the foreign settlement server 400.

Particularly, the overseas purchaser terminal 100 has a function of generating an encrypted unique foreign purchaser code using an electronic payment related application (for example, an Alipay Wallet or the like) provided in advance and displaying it on a screen .

At this time, it is preferable that the unique code of the foreign purchaser is used for one time, and it is preferable that the code is deleted through the foreign purchaser terminal 100 and / or the overseas payment server 400 when the transaction is completed. In addition, the foreign purchaser unique code may include at least one of a QR code, a bar code, an image code, a character code, and a numeric code, for example.

The overseas purchaser terminal 100 includes various mobile terminals communicating through the wireless Internet or the portable Internet. In addition, the overseas purchaser terminal 100 may include a Palm Personal Computer, a smart phone, a mobile play-station, The present invention can comprehensively mean all wired and wireless home appliances / communication devices having a user interface for accessing an overseas payment server 400 such as a digital multimedia broadcasting (DMB) phone having a communication function, a tablet PC, and an iPad.

Particularly, when the overseas purchaser terminal 100 is implemented as a normal smart phone, the smart phone can receive various application programs desired by the user, unlike a general mobile phone (a feature phone) It is a phone based on an open operating system that can be downloaded and used freely and can be used for all mobile phones or voice calls with mobile office functions as well as functions such as voice / , But it is desirable to be understood as a communication device including all Internet phones or Tablet PCs capable of accessing the Internet.

Such an open-type operating system may include, for example, Symbian of NOKIA, BlackBerry of RIMS, iPhone of Apple, Microsoft's Windows Mobile, Google's Google Android, and Samsung's ocean.

As described above, since the smartphone uses an open operating system, a user can arbitrarily install and manage various application programs, unlike a mobile phone having a closed operating system.

That is, the smartphone basically includes a control unit, a memory unit, a screen output unit, a key input unit, a sound output unit, a sound input unit, a camera unit, a wireless network communication module, a near field wireless communication module, and a battery for power supply.

The controller is a generic term for controlling the operation of the smartphone, and includes at least one processor and an execution memory, and is connected to each functional unit provided in the smart phone through a bus.

The controller controls the operation of the smartphone by loading at least one program code included in the smart phone into the execution memory through the processor and calculating the result by transmitting the result to the at least one functional unit through the bus .

The memory unit is a general term of a nonvolatile memory included in a smartphone, and stores and maintains at least one program code executed through the control unit and at least one data set used by the program code. The memory unit basically stores a system program code and a system data set corresponding to an operating system of a smartphone, a communication program code and a communication data set for processing a wireless communication connection of the smartphone, at least one application program code and an application data set , And the program code and data set for implementing the present invention are also stored in the memory unit.

The screen output unit includes a screen output device (e.g., an LCD (Liquid Crystal Display) device) and an output module for driving the screen output device. The screen output unit is connected to the control unit through a bus, And outputs it to the screen output device.

The key input unit is composed of a key input device having at least one key button (or a touch screen device interlocked with the screen output unit) and an input module for driving the key input unit. The control unit is connected to the control unit via a bus, Or inputs data necessary for the operation of the control unit.

The sound output unit includes a speaker for outputting a sound signal and a sound module for driving the speaker. The sound output unit is connected to the control unit through a bus, and outputs a result of operation corresponding to the sound output from the various operation results of the control unit through the speaker . The sound module decodes sound data to be output through the speaker and converts the sound data into a sound signal.

The sound input unit includes a microphone for receiving a sound signal and a sound module for driving the microphone, and transmits the sound data input through the microphone to the control unit. The sound module encodes and encodes a sound signal input through the microphone.

The camera unit includes an optical unit, a CCD (Charge Coupled Device) and a camera module for driving the CCD unit, and obtains bitmap data input to the CCD through the optical unit. The bitmap data may include both still image data and moving image data.

The wireless network communication module is a collective term for communicating wireless communication and includes at least one antenna, an RF module, a baseband module, and a signal processing module for transmitting and receiving a radio frequency signal of a specific frequency band. And transmits the calculation result corresponding to the wireless communication among the various calculation results of the control unit through the wireless communication or receives the data through the wireless communication and transmits the data to the control unit, , Communication, and handoff procedures.

Also, the wireless network communication module includes a mobile communication structure for performing at least one of connection, location registration, call processing, call connection, data communication, and handoff to a mobile communication network according to the CDMA / WCDMA standard. Meanwhile, according to the intention of those skilled in the art, the wireless network communication module may further include a portable Internet communication structure for performing at least one of connection to the portable Internet, location registration, data communication, and handoff according to the IEEE 802.16 standard, It is evident that the present invention is not limited by the wireless communication configuration provided by the communication module.

The short-range wireless communication module is composed of a short-range wireless communication module that connects a communication session using a radio frequency signal as a communication medium within a predetermined distance. Preferably, the short-range wireless communication module includes RFID communication, Bluetooth communication, Wi- And wireless communication. The short-range wireless communication module may be integrated with the wireless network communication module.

The smartphone configured as described above refers to a terminal capable of wireless communication, and any device capable of transmitting and receiving data through a network including the Internet may be applicable as well as a smart phone. That is, the smart phone may include at least one of a notebook PC, a tablet PC, and a mobile terminal capable of carrying and moving a mobile phone having a short message transmission function and a network connection function.

In particular, when the foreign purchaser terminal 100 applied to the embodiment of the present invention is implemented as a smart phone, an electronic payment related application (for example, an alipay wallet or the like) is downloaded through an App Store, And the electronic payment related application service can be performed by downloading the program. As described above, various payment services and the like can be used by accessing the overseas payment server 400 through the electronic payment related application service installed in the smart phone.

The domestic franchise terminal 200 is connected to the bus server 300 through the communication network 10 and recognizes the foreign purchaser unique code displayed on the screen of the foreign buyer terminal 100, And transmits the transaction approval request message to the subscriber server 300 using the purchase price information settled in the refractory (preferably, KRW or the like).

Although not shown in the drawing, the domestic merchant terminal 200 includes components such as a control unit, a memory unit, a unique code reader unit, a key input unit, a screen output unit, a communication processing unit, a security application module, a print output unit, And may include at least one terminal function or the like according to the intention of a person skilled in the art. Meanwhile, the constituent elements of the domestic franchise terminal 200 are generally known, and a detailed description thereof will be omitted.

The bank server 300 is connected to the domestic merchant terminal 200 and the overseas payment server 400 through the communication network 10 and is connected to the overseas payment server 400 via an external prepaid currency such as Alipay, Paypal, Etc.) to the foreign settlement server 400 through the communication network 10 to relay connection between the domestic merchant terminal 200 and the foreign settlement server 400 .

However, those skilled in the art will appreciate that a technical feature of an electronic payment service using foreign prepaid money in connection with an overseas settlement server 400 at a server 300 is known A specific functional configuration for processing the electronic settlement service in cooperation with the foreign settlement server 400 in the subscriber server 300 will be omitted for convenience.

The subscriber server 300 includes an affiliate shop DB (not shown) for associating and storing the affiliate shop information, the affiliate shop address information, and the affiliate shop account information for one or more affiliate shops having the domestic affiliate shop terminal 200 desirable.

Herein, the merchant information is information to be matched (or compared) with the merchant information included in the payment request text created and transmitted by the domestic merchant terminal 200, and preferably includes at least one merchant terminal number or merchant number Do.

Particularly, the bank server 300 receives the transaction approval request message transmitted from the domestic merchant terminal 200 and converts the purchase price information of the refractory into the first foreign currency (preferably, dollar) according to the current exchange rate information Transmits the transaction approval request message to the foreign settlement server 400, receives the transaction approval message for the transaction approval request from the foreign settlement server 400, and transmits the transaction approval message to the domestic merchant terminal 200 .

That is, the subscriber server 300 transmits a transaction approval request message for the purchase price information converted into the first foreign currency to the foreign settlement server 400, and receives transaction approval for the transaction approval request from the foreign settlement server 400 (Preferably, KRW or the like) upon receiving the completion message and transfers the converted message to the domestic franchise terminal 200. [

The overseas settlement server 400 is a third party payment relay server for processing an electronic settlement service using foreign prepayment currency and is a third party settlement relay server that is connected to the foreign buyer terminal 100, 500, and analyzes the transaction approval request message transmitted from the company server 300, and when there is customer information corresponding to the foreign purchaser, prepares foreign prepaid money of the online virtual account pre-charged by the foreign purchaser Converts the purchase price information converted into the first foreign currency into the second foreign currency (preferably, the national currency of the foreign buyer) (for example, if the foreign buyer is a Chinese person, the Chinese currency) according to the current exchange rate information, And transmits a withdrawal approval request message to the dispatcher 100.

If the foreign settlement server 400 receives the withdrawal approval completion message for the withdrawal approval request according to the approval of the foreign purchaser from the foreign purchaser terminal 100, the foreign settlement server 400 transmits a transaction approval complete message to the subscriber server 300 And transfers the withdrawal approval purchase price converted into the second foreign currency to the foreign pre-paid money account previously accounted for by the domestic franchisee.

The financial server 500 is connected to the overseas settlement server 400 via the communication network 10 and is provided with a withdrawal approval purchase amount remitted to the overseas prepayment account by the overseas settlement server 400, Converts the converted purchase price into the first foreign currency in accordance with the current exchange rate information, deposits the converted foreign currency into the account of the pre-registered domestic merchant, and performs real-time settlement.

The financial server 500 may be a domestic bank (for example, China Woori Bank or the like) or a card company server arranged in foreign countries in cooperation with the overseas settlement server 400, The withdrawal approved purchase price remitted to the prepaid money account can be converted back into the first foreign currency and deposited into the domestic merchant account of the domestic bank or credit card company server disposed in the domestic market.

Hereinafter, a method for real-time settlement of funds deposited by overseas prepayment according to an embodiment of the present invention will be described in detail.

FIG. 2 is a general flowchart illustrating a real-time settlement method for funds deposited by overseas prepayment according to an embodiment of the present invention.

1 and 2, an encrypted foreign purchaser unique code is generated using an electronic payment related application (for example, an Alipay Wallet or the like) provided in advance through the foreign purchaser terminal 100 And displays it on the screen (S100).

At this time, it is preferable that the unique code of the foreign buyer is used in a single use, and it is preferable that the unique buyer code is deleted through the foreign buyer terminal 100 or the overseas payment server 400 when the transaction is completed. A barcode, an image code, a character code, and a numeric code.

Thereafter, the foreign purchaser unique code displayed on the screen of the foreign purchaser terminal 100 is recognized in step S100 through the domestic merchant terminal 200, and the refractory (preferably, The transaction approval request message is transmitted to the subscriber server 300 (S110).

Then, the transaction approval request message transmitted in step S110 is received through the subscriber server 300, and the purchase price information of the refractory is converted into a first foreign currency (preferably, dollar) in accordance with the current exchange rate information And transmits a transaction approval request message to the foreign settlement server 400 (S120).

Next, the transaction approval request message transmitted in the above step S120 is analyzed through the overseas payment server 400, and if the customer information corresponding to the foreign purchaser exists, the foreign prepayment of the online virtual account charged in advance by the foreign purchaser (Preferably, the foreign currency of the foreign buyer, for example) based on the first foreign currency (for example, Alipay, Paypal, Apple Pay, etc.) An approval request message is transmitted to the foreign purchaser terminal 100 (S130).

After receiving the withdrawal approval request message transmitted in step S130 through the foreign purchaser terminal 100 and transmitting the withdrawal approval completion message to the foreign settlement server 400 according to approval of the foreign purchaser in step S140, (S150). The transaction acceptance completion message is received from the foreign settlement server 400 in step S140 and then transmitted to the subscriber server 300 in step S150.

Then, after receiving the transaction approval message transmitted in step S150 through the subscriber server 300, the purchase price information converted into the first foreign currency is converted into fire resistance and transferred to the domestic merchant terminal 200 (S160 ), The purchase price information converted into fire resistance in step S160 is received through the domestic merchant terminal 200, and the domestic merchant's stock is checked for the normal purchase price information to provide the purchased goods or services to the foreign buyer, Complete.

Thereafter, the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server 400 is transmitted to the foreign prepayment account account previously accounted for in advance by the domestic merchant account (S170), and the financial server 500 The withdrawal approval purchase price transferred in step S170, that is, the purchase price converted into the second foreign currency, is converted back into the first foreign currency according to the current exchange rate information, deposited in advance into the account of the registered domestic merchant, and real- S180).

At this time, in step S180, the financial server 500 may be a domestic bank (for example, China Woori Bank or the like) or a card company server arranged in foreign countries in cooperation with the overseas payment server 400, The withdrawal approval purchase amount transferred to the overseas prepayment account of the bank or credit card company server, that is, the purchase price converted into the second foreign currency, is converted into the first foreign currency, and is transferred to the domestic merchant account of the domestic bank or credit card company server .

FIG. 3 is a block diagram illustrating a real-time settlement system for funds paid by foreign prepayment according to another embodiment of the present invention. In FIG. 3, This figure shows a method of paying the purchase price in advance in foreign currency.

Referring to FIG. 3, the real-time settlement system for funds deposited by overseas prepayment according to another embodiment of the present invention includes an international buyer terminal 100 ', a domestic seller server 200', a ' An overseas payment server 400 ', a financial server 500', and the like.

Here, the foreign buyer terminal 100 'is connected to the domestic seller server 200' and the overseas payment server 400 'via the communication network 10, and is capable of receiving foreign prepaid money (for example, Alipay, Paypal, (Paypal), Apple Pay, and the like) to the domestic seller server 200 ', together with specific product purchase request information, to the domestic seller server 200'.

Such a foreign buyer terminal 100 'is typically a computer such as a desktop PC or a notebook PC, but the present invention is not limited thereto. The domestic seller server 200' and the foreign settlement server 200 ' And may be any type of wired / wireless communication device capable of accessing various electronic financial transaction services by accessing the Internet 400 '.

For example, the overseas purchaser terminal 100 'includes various mobile terminals communicating via the wireless Internet or the portable Internet, and also includes a Palm PC, a smart phone, a mobile play-station, , A wired / wireless home appliance / communication having a user interface for accessing a domestic seller server 200 'and an overseas payment server 400' such as a DMB (Digital Multimedia Broadcasting) phone with a communication function, a tablet PC, an iPad, Device < / RTI >

The domestic seller server 200 'receives the purchase price information settled with refractory together with the specific merchandise purchase request information via electronic payment from the foreign buyer terminal 100', and transmits a transaction approval request message to the server 300 ' ').

Preferably, the domestic seller server 200 'is an online shopping mall server that operates an online shopping mall service and relays goods or services between at least one seller and a buyer.

The online shopping mall server can basically process settlement of sales items selected and selected by the buyer from the sale merchandise list, and informs the seller of the sales items settled to the seller so that they can be delivered to the buyer Such as notifying the user of the delivery process, the location of the product being shipped, the results of the sale, etc., and managing the necessary web page or online shopping mall service.

The online shopping mall server is a server that operates an online shopping mall service and relays a general sale, auction, reverse auction, bargain, etc. of goods or services between a seller and a buyer, Services, and the like, and provides a variety of registered sales products or services to the purchaser's terminal of the purchaser so that the purchaser can purchase necessary sales goods or services.

The banknote server 300 'is connected to the domestic seller server 200' and the overseas payment server 400 'through the communication network 10 and is connected to the foreign prepaid money (for example, Alipay, Paypal, And the overseas settlement server 400 'by connecting the communication channel with the overseas settlement server 400' through the communication network 10 in order to process the electronic settlement service using the electronic settlement service And performs a connection function.

The subscriber server 300 'receives the transaction approval request message transmitted from the domestic seller server 200' and receives the purchase price information of the refractory according to the current exchange rate information in a first foreign currency (preferably, Transmits the transaction approval request message to the foreign settlement server 400 ', receives the transaction approval completion message for the transaction approval request from the foreign settlement server 400', and transmits the message to the domestic seller server 200 ' Function.

That is, the bank server 300 'transmits a transaction approval request message for the purchase price information converted into the first foreign currency to the foreign settlement server 400', and receives the transaction approval request from the foreign settlement server 400 ' (Preferably, KRW or the like) by receiving a transaction approval message for the Korean market, and delivers it to the domestic seller server 200 '.

The foreign settlement server 400 'is a third party settlement relay server for processing electronic settlement services using foreign prepaid money, and the foreign settlement server 400' includes an overseas buyer terminal 100 ', a van's server 300' And the financial server 500 ', analyzes the transaction approval request message transmitted from the company server 300', and when there is customer information corresponding to the foreign purchaser, The purchase price information converted into the first foreign currency is converted into the second foreign currency (preferably, the foreign currency of the foreign buyer) (for example, if the foreign buyer is a Chinese person) in accordance with the current exchange rate information based on the foreign prepayment currency And transmits the withdrawal approval request message to the foreign purchaser terminal 100 '.

If the foreign settlement server 400 'receives the withdrawal approval completion message for the withdrawal approval request according to the approval of the foreign purchaser from the foreign purchaser terminal 100', the foreign settlement server 400 ' Message and transmits the withdrawal approval purchase price converted into the second foreign currency to the foreign prepaid money account previously accounted for by the domestic seller.

The financial server 500 'is connected to the overseas settlement server 400' via the communication network 10 and receives the withdrawal approval purchase price remitted to the overseas prepayment account by the overseas settlement server 400 ' 2 converting the purchase price converted into foreign currency into the first foreign currency according to the current exchange rate information, depositing the same into the pre-accounted domestic seller account, and real-time settlement.

The financial server 500 'may be a domestic bank (for example, China Woori Bank or the like) or a credit card company server arranged in cooperation with the overseas payment server 400', and may be a domestic bank or a credit card company server The withdrawal approval purchase amount transferred to the foreign prepayment account of the foreign exchange can be converted into the first foreign currency and deposited into the domestic seller account of the domestic bank or credit card company server disposed in the country.

Hereinafter, a method of real-time settlement of funds deposited by overseas prepayment according to another embodiment of the present invention will be described in detail.

FIG. 4 is a flowchart illustrating a real-time settlement method for funds deposited by overseas prepayment according to another embodiment of the present invention.

Referring to FIGS. 3 and 4, an electronic payment using an overseas prepaid money (for example, Alipay, Paypal, Apple Pay, etc.) via an overseas purchaser terminal 100 ' And transmits the purchase price information, which is settled with refractory information, to the domestic seller server 200 '(S200).

Thereafter, the purchase payment information settled with refractory together with the specific merchandise purchase request information transmitted through the overseas electronic payment transmitted in step S200 through the domestic seller server 200 'is received and the transaction approval request message is transmitted to the subscriber server 200' (Step S210).

Then, the transaction approval request message transmitted in step S210 is received through the subscriber server 300 ', and the purchase price information of the refractory is converted into a first foreign currency (preferably, dollar) according to the current exchange rate information And transmits a transaction approval request message to the foreign settlement server 400 '(S220).

Next, the transaction approval request message transmitted in step S220 is analyzed through the overseas settlement server 400 ', and if there is customer information corresponding to the foreign purchaser, the overseas pre-paid money (Preferably, the foreign currency of the foreign buyer) based on the purchase price information (for example, Alipay, Paypal, Apple Pay, etc.) The withdrawal approval request message is transmitted to the foreign purchaser terminal 100 '(S230).

Thereafter, the withdrawal approval request message transmitted in step S230 is received through the foreign purchaser terminal 100 ', and the withdrawal approval completion message is transmitted to the foreign settlement server 400' according to whether the foreign purchaser is approved (S240 , And receives the withdrawal approval completion message transmitted in step S240 through the foreign settlement server 400 'and transmits a transaction approval completion message for the transaction approval request to the subscriber terminal 300' (S250).

Thereafter, the transaction acceptance completion message transmitted in step S250 is received via the subscriber server 300 ', and the purchase price information converted into the first foreign currency is converted into fire resistance again and transmitted to the domestic seller server 200' (S260), the purchase price information converted into fireproof in step S260 is received through the domestic seller server 200 ', and if the domestic seller confirms that the purchase price information is normal purchase price information, the foreign purchaser provides the purchased goods or services Thereby completing the transaction.

Thereafter, the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server 400 'is transmitted to the foreign prepayment account account previously accounted by the domestic seller in real time (S270), and the financial server 500' To the first foreign currency according to the current exchange rate information, deposits the withdrawn approved purchase price, that is, the purchase price converted into the second foreign currency, in the step S270 into the first foreign currency, deposits the foreign currency in advance into the account of the domestic seller, and real- (S280).

At this time, in step S280, the financial server 500 'may be a domestic bank (for example, China Woori Bank or the like) affiliated with the overseas settlement server 400' or a card company server disposed overseas The purchase price converted into the second foreign currency is converted into the first foreign currency and the domestic seller's account of the domestic bank or the card company server disposed in the domestic market is converted into the first foreign currency, Is preferable.

Although the present invention has been described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the invention is not limited to the disclosed embodiments, And various modifications may be made within the scope of the drawings, which also belong to the present invention.

100: a buyer terminal,
200: Domestic merchant terminal,
300:
400: overseas payment server,
500: financial server

Claims (22)

A domestic merchant terminal that recognizes an international buyer unique code displayed on a screen of an overseas buyer terminal and transmits a transaction approval request message using the purchase price information settled with fireproof together with the recognized foreign buyer unique code;
A transaction approval request message transmitted from the domestic merchant terminal and converted into a first foreign currency to transmit a transaction approval request message, and receiving a transaction approval completion message for the transaction approval request and transmitting the transaction approval request message to the domestic merchant terminal ;
Analyzing the transaction approval request message transmitted from the service server to convert the first foreign currency into the second foreign currency based on the foreign prepayment of the online virtual account charged by the foreign purchaser when the customer information corresponding to the foreign purchaser exists Transmits a withdrawal approval request message to the foreign purchaser terminal, and when receiving a withdrawal approval completion message for the withdrawal approval request, transmits a transaction approval completion message to the subscriber server, An overseas settlement server for real-time remittance of an approved purchase price to an overseas prepayment account accounted by a domestic merchant state; And
And a financial server for converting the withdrawal approved purchase price remitted to the foreign prepayment account by the foreign settlement server into the first foreign currency, depositing the same into the domestic merchant account, and real-time settlement, Settlement system.
The method according to claim 1,
Wherein the foreign purchaser terminal generates an encrypted unique buyer unique code using an electronic payment related application provided in advance and displays it on a screen.
The method according to claim 1,
Wherein the foreign purchaser unique code is used in a single use and is deleted through the overseas purchaser terminal or the overseas payment server upon completion of the transaction.
The method according to claim 1,
Wherein the foreign purchaser unique code includes at least one of a QR code, a bar code, an image code, a character code, and a numeric code.
The method according to claim 1,
The transaction server transmits a transaction approval request message for the purchase price converted into the first foreign currency to the foreign settlement server, receives a transaction approval completion message for the transaction approval request from the foreign settlement server, To the domestic franchise terminal, and the real-time settlement system for the funds deposited by the overseas prepayment currency.
A domestic seller server for receiving purchase charge information settled with refractory together with specific product purchase request information through overseas electronic payment from an overseas buyer terminal and transmitting a transaction approval request message using the received purchase charge information;
A transaction approval request message transmitted from the domestic seller server and converted into a first foreign currency to transmit a transaction approval request message, and a transaction approval message for the transaction approval request is received, ;
Analyzing the transaction approval request message transmitted from the service server to convert the first foreign currency into the second foreign currency based on the foreign prepayment of the online virtual account charged by the foreign purchaser when the customer information corresponding to the foreign purchaser exists Transmits a withdrawal approval request message to the foreign purchaser terminal, and when receiving a withdrawal approval completion message for the withdrawal approval request, transmits a transaction approval completion message to the subscriber server, An overseas settlement server for real-time remittance of an approved purchase price to an overseas prepayment account accounted by a domestic seller; And
And a financial server for converting the withdrawal approval purchase price transferred to the foreign prepayment account by the foreign settlement server into the first foreign currency, depositing the same into the domestic seller account, and real-time settlement, in real time settlement system.
The method according to claim 6,
Wherein the domestic seller server comprises a server that operates an online shopping mall service and relays goods or service sales between at least one seller and a buyer, and real-time settlement system for funds deposited by overseas prepayment.
The method according to claim 6,
The transaction server transmits a transaction approval request message for the purchase price converted into the first foreign currency to the foreign settlement server, receives a transaction approval completion message for the transaction approval request from the foreign settlement server, And transmits it to the domestic seller server. The real-time settlement system for funds deposited by the overseas prepayment method.
7. The method according to claim 1 or 6,
Wherein the refractory is made of a Korean currency, the first foreign currency is made up of dollars, and the second foreign currency is made up of the foreign currency of the foreign buyer.
7. The method according to claim 1 or 6,
The exchange server converts the purchase price of the refractory into the first foreign currency according to the current exchange rate information and the overseas payment server converts the purchase price converted into the first foreign currency into the second foreign currency in accordance with the current exchange rate information And the financial server converts the purchase price converted into the second foreign currency into the first foreign currency again according to the current exchange rate information.
7. The method according to claim 1 or 6,
The financial server comprises a domestic bank or a credit card company server disposed in a foreign country in cooperation with the overseas settlement server, and transmits a withdrawal approval purchase amount transferred to an overseas prepayment account of a domestic bank or a credit card company server located abroad, 1 real-time settlement system for funds deposited with overseas prepayment currency, which is converted into foreign currency and deposited into a domestic franchise account or a seller account of a domestic bank or card company server disposed in the country.
A method for real-time settlement of funds deposited with overseas prepayment using a system including an overseas buyer terminal, a domestic merchant terminal, a van server, an overseas payment server, and a financial server,
(a) recognizing the foreign buyer unique code displayed on the screen of the foreign buyer terminal through the domestic merchant terminal, and using the purchase price information settled in the refractory together with the recognized foreign buyer unique code, Transmitting;
(b) receiving a transaction approval request message transmitted in the step (a) through the server, converting the foreign transaction into a first foreign currency, and transmitting a transaction approval request message;
(c) analyzing the transaction approval request message transmitted in the step (b) through the foreign settlement server, and if the customer information corresponding to the foreign purchaser exists, prepares foreign prepayment of the online virtual account charged by the foreign purchaser Converting the first foreign currency into a second foreign currency and transmitting a withdrawal approval request message;
(d) receiving a withdrawal approval request message transmitted in the step (c) through the foreign purchaser terminal and transmitting a withdrawal approval completion message according to approval of the foreign purchaser;
(e) receiving a withdrawal approval completion message transmitted in the step (d) through the foreign settlement server and transmitting a transaction approval completion message for the transaction approval request;
(f) receiving the transaction approval message transmitted in the step (e) through the subscriber server and delivering the message to the domestic merchant terminal;
(g) real-time remittance of the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server to the foreign prepayment account accounted by the domestic franchisee; And
(h) converting the withdrawal approval purchase amount transferred from the step (g) through the financial server into the first foreign currency, depositing the withdrawal approval purchase amount into the domestic merchant account, and real-time settlement of the money, Real-time settlement method.
13. The method of claim 12,
Further comprising the step of generating an encrypted unique buyer unique code using the electronic payment related application previously provided through the foreign buyer terminal and displaying it on a screen before the step (a) Real - time settlement method for funds deposited with.
13. The method of claim 12,
The method of claim 1, wherein the foreign purchaser unique code is used in one-time use, and the foreign purchaser unique code is deleted through the overseas purchaser terminal or the overseas payment server upon completion of the transaction. Way.
13. The method of claim 12,
Wherein the foreign purchaser unique code includes at least one of a QR code, a bar code, an image code, a character code, and a numeric code in step (a).
13. The method of claim 12,
The method of claim 1, wherein in step (f), the subscriber server receives the transaction approval message transmitted in step (e), transforms the message into fire resistance, and delivers the message to the domestic merchant terminal Real-time settlement method.
A method for real-time settlement of funds deposited with overseas prepayment using a system including an overseas purchaser terminal, a domestic seller server, a van server, an overseas payment server, and a financial server,
(a ') receiving from the foreign buyer terminal through the domestic merchant server purchase information of purchase made by refractory together with specific product purchase request information through electronic electronic payment, and transmitting a transaction approval request message using the received purchase price information;
(b ') receiving the transaction approval request message transmitted in step (a') through the subscriber server, converting the transaction approval request message into a first foreign currency, and transmitting a transaction approval request message;
(c ') analyzing the transaction approval request message transmitted in the step (b') via the foreign settlement server, and when there is customer information corresponding to the foreign purchaser, the prepaid foreign currency Converting the first foreign currency into a second foreign currency and transmitting a withdrawal approval request message based on the first foreign currency;
(d ') receiving a withdrawal approval request message transmitted in the step (c') through the foreign purchaser terminal and transmitting a withdrawal approval completion message according to approval of the foreign purchaser;
(e ') receiving a withdrawal approval completion message transmitted in step (d') through the foreign settlement server and transmitting a transaction approval completion message for the transaction approval request;
(f ') receiving the transaction approval completion message transmitted in the step (e') through the subscriber server and delivering it to the domestic seller server;
(g ') real-time remittance of the withdrawal approval purchase price converted into the second foreign currency through the foreign settlement server to the foreign prepayment account accounted by the domestic seller; And
(h ') converting the withdrawal approval purchase amount transferred from the step (g') through the financial server into the first foreign currency, depositing the withdrawn approval purchase amount into the domestic seller account and real-time settlement, In real time.
18. The method of claim 17,
Wherein the domestic seller server is a server that operates an online shopping mall service and relays goods or services between at least one seller and a buyer in step (a '). Real-time settlement method.
18. The method of claim 17,
The method according to claim 1, wherein, in step (f '), the subscriber server receives the transaction approval message transmitted in step (e') and converts the transaction approval message into fire resistance, In real time.
18. The method according to claim 12 or 17,
Wherein the refractory is made of a Korean currency, the first foreign currency is made up of dollars, and the second foreign currency is made up of the national currency of the foreign buyer. .
18. The method according to claim 12 or 17,
In the step (b) or (b '), the subscriber server converts the purchase price of the refractory into the first foreign currency in accordance with the current exchange rate information, and in the step (c) The payment server converts the purchase price converted into the first foreign currency into the second foreign currency again according to the current exchange rate information, and in the step (h) or (h '), the financial server transmits the current exchange rate information And converting the purchase price converted into the second foreign currency into the first foreign currency again.
18. The method according to claim 12 or 17,
In the step (h) or (h '), the financial server is composed of a domestic bank or a credit card company server arranged in foreign countries in cooperation with the overseas settlement server, and the domestic bank or credit card company server Withdrawal approval payment amount transferred to the prepaid money account is converted into the first foreign currency, and the money is deposited into the domestic franchise account or the seller account of the domestic bank or the card company server disposed in the domestic market. Real-time settlement method.

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