KR20220075591A - Method of providing realtime payment service for service fee and payment gateway server thereof - Google Patents

Abstract

The present invention relates to a method for providing a real-time service fee payment service and a payment proxy server for performing the same, the method comprising: Approval of payment for a sub-merchant transaction from an affiliate store server for processing a representative payment for transactions occurring in a plurality of sub-affiliates receiving a request; collecting and processing the settlement amount for the sub-affiliate transaction approved for payment to an affiliated store settlement agency account; Receiving a request for real-time payment for service fees incurred in a lower-level merchant transaction from a merchant server; and remittance of the service fee requested for real-time payment from the merchant settlement agency account to the service provider account.

Description

A method of providing real-time service fee payment service and a payment agency server that performs the service

The present invention relates to a service in which a service fee such as delivery is paid in real time on behalf of a platform company in a payment proxy server such as a PG (Payment Gateway).

Mobile payment is a technology for purchasing products or services online and offline through mobile devices such as cell phones, smart phones, and tablet PCs.

In general, in the mobile payment method, payment is generally made through a Payment Gateway (PG) between a portable terminal and a card company server.

PG (Payment Gateway) refers to a service that receives a commission from a lower shopping mall after signing a representative merchant contract with a credit card company and paying a credit card payment on behalf of a small shopping mall where it is difficult to conclude a merchant contract with a credit card company.

Meanwhile, the number of channels for payment by affiliates is rapidly increasing due to the increase in the number of affiliated stores for each purpose, such as simple payment by each card company, and the emergence of various payment companies.

In particular, large merchants such as PG companies and open markets, which must provide diversified payment methods, must operate a large number of merchant numbers for each purpose for the incoming payment from each card company, so deposit channels are complicatedly intertwined. , the difference between the planned payment and the amount actually deposited into the bankbook frequently occurs, making it very difficult for affiliates to manage deposit confirmation.

In addition, in the case of a mobile application that provides a delivery service in recent years, sub-affiliates are recruited by industry to perform a representative payment that processes payments for transactions occurring in a plurality of sub-merchants, and for the paid amount, the affiliated store and There is a problem that the settlement task becomes very complicated because it has to be settled for each delivery person.

Patent Document 1: Registered Patent Publication No. 10-1348363 (Registered on December 30, 2013)

An object of the present invention is to provide a service fee real-time payment service providing method and a payment proxy server for performing the service fee settlement service efficiently for a service fee settlement of a member store performing a representative payment for a plurality of sub-affiliates.

A service fee real-time payment service providing method according to an embodiment of the present invention is a method of providing a service fee real-time payment service in a payment proxy server, from an affiliate store server for processing representative payments for transactions occurring in a plurality of sub-affiliates, receiving a request for payment approval for a sub-merchant transaction; collecting and processing the settlement amount for the sub-affiliate transaction approved for payment to an affiliated store settlement agency account; receiving, from the affiliated store server, a real-time payment request for the service fee generated in the sub-affiliate transaction; and transferring the service fee requested for real-time payment from the affiliated store settlement agency account to a service provider account.

The payment proxy server according to an embodiment of the present invention receives a request for payment approval for a sub-affiliate transaction from an affiliated store server for processing a representative payment for transactions occurring in a plurality of sub-affiliates, and receives a request for payment approval for a lower-level affiliated store transaction from the affiliated store server a communication unit that receives a request for real-time payment of service fees incurred in merchant transactions; an account management unit that collects and processes the settlement amount for the sub-affiliate transaction into an affiliated store settlement agency account, and transfers the service fee requested for real-time payment from the affiliated store settlement agency account to a service provider account; and a settlement processing unit for processing the affiliated store settlement for the settlement amount collected to the affiliated store settlement agency account.

Meanwhile, the method of providing a real-time service fee payment service may be implemented as a computer-readable recording medium in which a program for execution by a computer is recorded, and may be provided as a program itself.

According to an embodiment of the present invention, a real-time payment for service fees generated in a lower-level merchant transaction is requested from the merchant server for processing the representative payment for transactions occurring in a plurality of lower-level affiliated stores, and after validation, from the affiliated store settlement agency account By enabling direct remittance processing to the service provider account, it is possible to efficiently perform service charge settlement of affiliated stores that perform representative payments for a plurality of subordinate affiliated stores.

In addition, according to another embodiment of the present invention, according to the balance of the affiliated store settlement agency account and whether the settlement amount for the sub-affiliate transaction is processed or not, the deposit based on the affiliated store settlement amount is transferred to the affiliate store settlement agency account to pay the service fee By allowing pre-use, service fees can be paid in real time even in the event of a delay in settlement schedule, etc.

1 is a block diagram showing the configuration of a payment agency system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of a payment proxy server according to an embodiment of the present invention.
3 is a flowchart illustrating an embodiment of a method for providing a service fee real-time payment service according to the present invention.
4 is a timing diagram illustrating an embodiment of a method for real-time payment of a service fee in a payment agency system according to the present invention.
5 is a flowchart illustrating an embodiment of a method of requesting real-time payment of service fees from an affiliated store server.
6 is a flowchart illustrating an embodiment of a method for determining a deposit deposit in a payment proxy server.

The following is merely illustrative of the principles of the invention. Therefore, those skilled in the art will be able to devise various devices that, although not explicitly described or shown herein, embody the principles of the present invention and are included within the spirit and scope of the present invention. Further, it is to be understood that all conditional terms and examples listed herein are, in principle, expressly intended solely for the purpose of enabling the concept of the present invention to be understood, and not limited to the specifically enumerated embodiments and states as such. should be

Moreover, it is to be understood that all detailed description reciting the principles, aspects, and embodiments of the invention, as well as specific embodiments, are intended to cover structural and functional equivalents of such matters. Moreover, it is to be understood that such equivalents include not only currently known equivalents, but also equivalents developed in the future, i.e., all devices invented to perform the same function, regardless of structure.

Thus, for example, the block diagrams herein are to be understood as representing conceptual views of illustrative circuitry embodying the principles of the present invention. Similarly, all flowcharts, state transition diagrams, pseudo code, etc. may be tangibly embodied on computer-readable media and be understood to represent various processes performed by a computer or processor, whether or not a computer or processor is explicitly shown. should be

The functions of the various elements shown in the figures including a processor or functional blocks represented by similar concepts may be provided by the use of dedicated hardware as well as hardware having the ability to execute software in association with appropriate software. When provided by a processor, the functionality may be provided by a single dedicated processor, a single shared processor, or a plurality of separate processors, some of which may be shared.

In addition, the explicit use of terms presented as processors, controls, or similar concepts should not be construed as citing exclusively hardware having the ability to execute software, and without limitation, digital signal processor (DSP) hardware, for storing software. It should be understood to implicitly include ROM, RAM, and non-volatile storage. Other common hardware may also be included.

The above objects, features and advantages will become more apparent through the following detailed description in relation to the accompanying drawings, and accordingly, those of ordinary skill in the art to which the present invention pertains can easily implement the technical idea of the present invention. There will be. In addition, in the description of the present invention, if it is determined that a detailed description of a known technology related to the present invention may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted.

Hereinafter, with reference to the accompanying drawings, a method for providing a real-time service fee payment service according to an embodiment of the present invention and a payment proxy server performing the same will be described in detail.

1 is a block diagram illustrating the configuration of a payment agency system according to an embodiment of the present invention, wherein the system 10 includes a payment agency server 100, an affiliated store server 200, a lower-level merchant terminal 300, and a service provider It may be configured to include the terminal 400 .

Referring to FIG. 1 , a payment proxy server 100 , an affiliated store server 200 , a lower-level merchant terminal 300 and a service provider terminal 400 are connected to each other using a communication network to transmit and receive data, and the communication network is a local area network (LAN). : Local Area Network), Metropolitan Area Network (MAN), Wide Area Network (WAN), etc. may be composed of various wired or wireless communication networks.

The payment proxy server 100 may serve as a proxy for card payment service between the affiliated store server 200 and the card company server (not shown), and specifically, a PG (Payment Gateway) service operated by a PG company. It can be a server.

Here, the PG service refers to a service that receives a commission from a lower shopping mall after signing a representative merchant contract with a credit card company on behalf of a small shopping mall where it is difficult to conclude an affiliated store contract with a credit card company, performing credit card payment and payment on behalf of the small shopping mall.

To this end, the PG company operating the payment proxy server 100 may enter into an alliance contract with the card company operating the card company server, and relay the card payment process between the affiliated merchant merchant and the card company.

In the present invention, the term "card payment" may mean a payment performed using all cards that can be issued to a user by a card company or a financial company, such as a credit card, a check card, a debit card, and the like.

The payment proxy server 100 may provide, in addition to the payment proxy service for affiliated stores as described above, a payment settlement agency service and a real-time service fee payment service according to an embodiment of the present invention.

The payment proxy server 100 may include information on the corresponding affiliated store in the card payment request signal received from the affiliated store server 200 and then transmit it to the card company server, and accordingly, the card company server understands the affiliated store information and uses it Based on this, it may be possible to determine whether the card payment request can be approved.

On the other hand, the affiliated store server 200 is a server for processing a representative payment for transactions occurring in a plurality of subordinate affiliated stores, and may request card payment approval for the lower affiliated store transaction to the payment proxy server 100 .

According to an embodiment of the present invention, the affiliated store operating the affiliated store server 200 may perform a representative payment processing payment for transactions occurring in a plurality of subordinate affiliated stores by recruiting sub-affiliates by industry.

In addition, the affiliated store must perform settlement for each sub-affiliate for the paid amount, and for this purpose, the settlement of the payment amount is entrusted to the PG company that operates the payment proxy server 100 to provide the payment settlement agency service according to the present invention. It can be provided by PG.

For example, the affiliated store that operates the affiliated store server 200 may be a business that recruits restaurants or lodging establishments as sub-affiliates and provides a delivery service or accommodation reservation service through a mobile application.

Through the affiliated store server 200, an application provided with a payment module capable of providing information on goods and services sold by lower affiliated stores and performing payment may be provided. In this case, the payment module is a program module capable of communicating with an external server and an external device, and may be in the form of an operating system, an application program module, and other program modules, and may be physically stored in various known storage devices. have.

On the other hand, such a program module includes, but is not limited to, routines, subroutines, programs, objects, components, data structures, etc. that perform specific tasks to be described later or execute specific abstract data types according to the present invention.

The card company server may be a server operated by the card company that finally approves and processes the card payment requested by the PG (Payment Gateway), which is its affiliated store, and performs the process of settling the payment amount.

The card company server may receive a signal from the payment proxy server 100 for requesting approval for card payment generated at the affiliated store contracted with the PG company.

Here, the card payment request signal includes merchant information such as ID information, address information, business operator information, representative information, deposit account information, payment request transmission location information, existing payment history information, etc. of the corresponding affiliate store, and payment item information of the corresponding card payment, payment It may be a full card payment approval request including payment request history information such as amount information and card information used.

The card company server responds to the full card payment approval request received from the payment proxy server 100, determines whether or not to approve the card payment for the transaction details, and then generates and pays the full card payment approval result including the approval result information It can be transmitted to the proxy server (100).

As described above, transaction history information requested by the affiliated store server 200 and approved by the card company is stored in the database of the payment proxy server 100, and purchase billing data including transaction details stored in the database at regular intervals is a payment proxy It may be generated in the server 100 and transmitted to the card company server.

For example, the payment agency server 100 generates purchase billing data including transaction details approved by the card company on a daily basis and transmits it to the card company server, and the card company server sends the purchase billing data to each transaction history included in the purchase billing data. It is possible to determine whether to purchase or reject the purchase, and calculate the expected deposit date and deposit amount for the normally purchased transaction details.

The card company server generates purchase result data including a scheduled deposit date and a scheduled deposit amount for the calculated transaction details, along with a normal purchase or purchase rejection result for the transaction details included in the purchase request data, to create a payment proxy server ( 100) can be transmitted.

The affiliated store server 200 may generate settlement request data for a sub-affiliate transaction approved by the card company and transmit it to the payment proxy server 100, and the payment proxy server 100 according to the schedule requested from the affiliated store server 200 may handle the settlement of the payment amount by proxy.

Since the settlement of the payment amount between the payment proxy server 100 and the card company server may be performed by various conventionally known methods, a detailed description thereof will be omitted.

On the other hand, in the above, the payment proxy server 100 has been described as an example of acting as a card payment service between the affiliated store server 200 and the card company server, but the present invention is not limited thereto. Payment service through payment methods may be substituted for you.

According to an embodiment of the present invention, the payment proxy server 100 is a real-time payment for service fees generated in the lower affiliated merchant transaction from the affiliated store server 200 for processing the representative payment for transactions occurring in a plurality of lower affiliated merchants. By enabling remittance processing directly from the merchant settlement agency account to the service provider account after receiving a request and validating it, it is possible to efficiently handle service cost settlement of a merchant performing representative payments for a plurality of sub-franchise stores.

For example, the payment proxy server 100 receives a request for payment approval for a sub-affiliate transaction from the affiliated store server 200 or the sub-merchant terminal 300, and transfers the settlement amount for the sub-affiliate transaction approved for payment to the affiliate store settlement agency account. collect with

In addition, the affiliated store server 200 may request real-time payment of the corresponding service cost to the payment proxy server 100 when a request for payment of the service fee generated in the sub-affiliate transaction is received from the service provider terminal 400 .

Here, the service fee requested for real-time payment may be a delivery service fee incurred in a transaction with a sub-merchant, but the present invention is not limited thereto, and various services related to the service provided by the sub-merchant (eg, accommodation reservation, surrogate operation, etc.) may include compensation for

The payment proxy server 100 collects the settlement amount for the sub-affiliate merchant transaction into the merchant settlement agency account and receives a real-time service fee payment request from the merchant server 200, after validating the service fee, transfers the service fee to the merchant settlement agency account Remittance can be processed from the service provider's account to the service provider's account.

Hereinafter, a method for providing a real-time service fee payment service according to an embodiment of the present invention and a payment proxy server performing the same will be described in more detail with reference to FIGS. 2 to 6 .

2 is a block diagram showing the configuration of a payment proxy server according to an embodiment of the present invention. 140 and the validation unit 150 may be included.

Referring to FIG. 2 , the communication unit 110 receives a request for payment approval for a sub-merchant transaction from the affiliate store server 200, and based on this, generates a full payment approval request for the sub-merchant transaction and sends it to the card company server or bank server. send.

As described above, the affiliated store server 200 may be a server for processing representative payments for transactions occurring in a plurality of subordinate affiliated stores.

When the payment approval result is received from the card company server or the bank server in response to the full payment approval request, and the payment for the sub-merchant transaction is approved, then the account management unit 120 sets the settlement amount according to the sub-affiliate merchant transaction to the affiliated store Payment can be processed through an agency account.

Here, the affiliated store settlement agency account may be an account in the name of the payment proxy server 100 operator (eg, PG company) used to perform settlement for a specific affiliated store that operates the affiliated store server 200 .

On the other hand, the communication unit 110 may receive a request from the affiliate store server 200 for real-time payment of the service fee generated in the lower affiliate store transaction.

In this case, the validation unit 150 uses at least one of service provider account information, account holder information, bank information, and service fee amount information received from the affiliated store server 200 to verify the validity of the service fee real-time payment request. can

When the validation is completed, the account management unit 120 transfers the service fee requested for real-time payment from the merchant settlement agency account to the service provider account.

For example, the account management unit 120 may remit the real-time payment requested service fee using a bank real-time firm banking CMS (Cash Management Service), so that the service fee payment is automatically processed in real time.

The settlement processing unit 130 processes the merchant settlement for the settlement amount collected by the merchant settlement agency account.

Here, the merchant settlement may refer to a process in which the transaction amount collected by the merchant settlement agency account is aggregated for each sub-member merchant, and fees are deducted to process the deposit into the actual merchant account.

According to another embodiment of the present invention, the deposit based on the scheduled settlement amount of the affiliated store is transferred to the affiliated store settlement agency account according to the balance of the affiliated store settlement agency account and whether the settlement amount for the sub-affiliate transaction is processed. In this way, even if a cause such as a delay in the settlement schedule occurs, the service fee can be paid and processed in real time.

To this end, the account management unit 120 determines whether to deposit the deposit to the affiliated store settlement agency account based on at least one of the balance of the affiliated store settlement agency account and whether the settlement amount for the sub-affiliate transaction is processed, and the affiliated store settlement amount You can determine the amount of the deposit to be deposited based on .

Here, the amount to be settled at the affiliated store may mean an amount for which payment for a sub-merchant transaction has been approved by a card company server or a bank server, but has not yet been collected into an affiliated store settlement account.

The settlement processing unit 130, when the deposit is deposited into the affiliated store settlement agency account, may process the affiliate store settlement by deducting the deposit processed to the affiliate store settlement agency account from the settlement amount for the sub-affiliate transaction.

On the other hand, the communication unit 110 transmits the balance information of the affiliated store settlement agency account and the remittance result information for the service fee requested for real-time payment to the affiliated store server 200 .

The control unit 140 serves to control the overall operation of the payment proxy server 100 as described above.

3 is a flowchart illustrating an embodiment of a method for providing a real-time service fee payment service according to the present invention. The description of the same as those described with reference to FIGS. 1 and 2 among the illustrated method for providing a real-time service fee payment service will be described below. to be omitted.

Referring to FIG. 3 , the communication unit 110 of the payment proxy server 100 receives a request for payment approval for a lower-level merchant transaction from the affiliate store server 200 (step S310 ).

For example, when a card payment authorization for a sub-affiliate transaction is requested from the affiliated store server 200, the payment proxy server 100 may transmit a full card payment approval request for the corresponding lower-level affiliate store transaction to the card company server.

When the payment for the lower affiliated store transaction is approved, the account management unit 120 collects the settlement amount for the lower affiliated store transaction for which the payment is approved to the affiliated store settlement agency account (step S320).

For example, when a certain period of time elapses after payment for a sub-merchant transaction is approved by the card company server, the settlement amount for the transaction is deposited into the account in the name of the PG company operating the payment proxy server 100, and the The settlement amount may be collected into the settlement agency account designated for the affiliated store.

In this case, the communication unit 110 may transmit the balance information of the affiliate store settlement agency account to the affiliate store server 200 so that the affiliate store settlement amount balance managed by the PG company can be checked.

Thereafter, the communication unit 110 receives a request from the affiliate store server 200 for real-time payment for the service fee generated in the lower affiliate store transaction (step S330).

For example, the affiliated store server 200 may receive a request from the service provider terminal 400 for payment of food delivery costs to a catering company that is a sub-affiliate, and at this time, when the affiliated store settlement for the sub-affiliate transaction is completed, the The delivery fee is paid from the account to the service provider account, and when the merchant settlement for the sub-affiliate transaction is not completed, a real-time payment for the delivery fee may be requested from the payment proxy server 100 .

On the other hand, the service fee real-time payment request received from the affiliated store server 200 to the payment proxy server 100 in step S330 may be delivered in a professional form including service provider account information, account holder information, bank information, and service fee amount information. have.

At this time, the validation unit 150 of the payment proxy server 100 uses the service provider account information, account holder information, bank information, and service fee amount information included in the full service fee real-time payment request to verify the validity of the service fee real-time payment request. can be verified.

When the validation is completed, the account management unit 120 transfers the service fee requested for real-time payment from the merchant settlement agency account to the service provider account (step S340).

In step S340, the service fee is transferred to the service provider account using the bank real-time firm banking CMS (Cash Management Service). It is transmitted to the affiliated store server 200 .

After that, the settlement processing unit 130 transmits the deposit and withdrawal details of the affiliated store settlement agency account, the real-time service fee payment details, and the affiliate store settlement details by subtracting the real-time paid service fee and settlement fee to the affiliate store server 200 through the communication unit 110. and the affiliated store settlement amount may be transferred to the affiliated store's account through the account management unit 120 .

4 is a timing diagram illustrating an embodiment of a method for real-time payment of a service fee in a payment agency system according to the present invention, and the description of the same as those described with reference to FIGS. 1 to 3 among the illustrated methods will be omitted below. decide to do

4, the PG company server 100, which is a payment proxy server, receives a PG transaction approval request requesting payment approval for a sub-merchant transaction from the affiliate store server 200 (step S401), Creates and transmits a full card payment approval request for credit card payment to the card company server 500 (step S402), receives the full card payment approval result transmitted from the card company server 500 (step S403), and sends the full card payment approval result to the merchant It is transmitted to the server 200 (step S404).

In step S402, the PG company server 100 selects an affiliated store number to proceed with payment for the corresponding sub-affiliate transaction according to a preset criterion from among a plurality of affiliated store numbers contracted with the card company, and selects the selected affiliated store number and the corresponding lower affiliated store transaction details A full card payment authorization request including information may be generated.

Information on the transaction details approved for card payment may be stored in the transaction history database of the PG company server 100 and managed for each affiliate store.

When the sub-affiliate transaction is approved by the card company, the PG company server 100 collects the settlement amount according to the approved sub-affiliate merchant transaction to the affiliate store settlement agency account pre-allocated to the affiliated store (step S405), and collects it in the affiliate store settlement agency account The remaining balance information is transmitted to the affiliate store server 200 (step S406).

Here, the settlement amount collected to the affiliated store settlement agency account may be a purchase amount according to a sub-affiliate transaction or an amount obtained by deducting a contract fee from the purchase amount.

After that, the affiliate store server 200 generates a real-time payment request for the service fee and transmits it to the PG company server 100 (step S407).

When an embodiment of the process of requesting real-time payment of service fees by the affiliated store server 200 in step S407 is described with reference to FIG. 5, when a service fee payment request is received from the service provider terminal 400 (step S510), It is determined whether the merchant settlement for the sub-affiliate transaction for which the corresponding service is provided has been completed (step S520).

For example, when the settlement amount is deposited from the PG company to the affiliated store account for the sub-affiliate transaction for which the corresponding service is provided, it may be determined that the affiliated store settlement for the sub-affiliate transaction has been completed.

When the affiliated store settlement for the corresponding lower affiliated store transaction is completed, the affiliated store server 200 may process the service fee to be remitted from the affiliated store account to the service provider account.

On the other hand, if the affiliated store settlement for the corresponding sub-affiliate transaction is not completed, the affiliated store server 200 may request real-time payment of the service fee by transmitting a full-time service fee payment request to the payment proxy server 100 .

In addition, even when the merchant settlement for the sub-merchant transaction is completed, the merchant server 200 may request real-time payment of the service fee to the payment proxy server 100 due to insufficient balance in the merchant account or other reasons. have.

The PG company server 100 that has received the real-time service fee payment request uses the service provider account information, account holder information, bank information, and service fee amount information included in the message to verify the validity of the service fee payment request to the service provider ( step S408).

When the validation is completed, the PG company server 100 checks the balance of the affiliated store settlement agency account and deposits the deposit to the affiliated store settlement agency account as necessary (step S409).

Referring to FIG. 6 for an embodiment of the process of deposit processing by the PG company server 100 in step S409, it is first determined whether the balance of the affiliated store settlement agency account is less than a certain amount (step S620) ).

For example, a certain amount compared with the balance of the merchant settlement agency account may be a service fee requested for real-time payment, or may be set as an amount corresponding to a predetermined ratio of the preset reference balance, but the present invention is not limited thereto, and the merchant Various cases may be included in which it may be determined that the balance of the settlement agency account is insufficient to pay the service fee requested for real-time payment.

If the balance of the merchant settlement account is greater than a certain amount, the deposit is not transferred to the merchant settlement agent account.

On the other hand, if the balance of the merchant settlement account is less than a certain amount, it is checked whether the settlement for the sub-affiliate transaction for which the service is provided is delayed, and then the deposit is determined based on the merchant settlement amount and the deposit is processed into the merchant settlement agent account (S630) step).

For example, among the transaction amounts of sub-affiliates, the amount that the PG company did not settle to the merchant because the PG company did not receive payment from the credit card company (the amount to be settled by the merchant) is determined and the deposit is determined at a certain percentage of the amount, which can be pre-deposited into the merchant settlement account. have.

After that, the payment proxy server 100 transfers the service fee requested for real-time payment from the merchant settlement agency account to the service provider account using real-time firm banking (CMS) (step S410), and transfers the service fee remittance result information to the merchant server 200 ) to (step S411).

And the payment proxy server 100 processes the affiliate store settlement by deducting the fee from the corresponding lower affiliate store settlement amount (step S412), and transmits the affiliate store settlement result information to the affiliate store server 200 (step S413).

For example, if the deposit is deposited into the affiliated store settlement account in step S630, the payment proxy server 100 may process the affiliate store settlement by deducting the deposit from the settlement amount for the corresponding sub-affiliate affiliate transaction.

The affiliated store server 200 pays the subordinate affiliates for the amount settled and deposited from the PG company server 100 (step S415).

In the above, it has been described that the PG company server 100 provides a service fee real-time payment service according to an embodiment of the present invention with reference to FIGS. 4 to 6, but the present invention is not limited thereto. For example, the PG company server ( 100) may be performed by a server for a separate service fee real-time payment service.

In addition, in the above, the present invention has been described by taking as an example that the payment agency system 10 according to the present invention includes a card company server, and the service fee real-time payment service providing method according to the present invention is performed for card payment, but the present invention does not It is not limited, and may be applied to various payment methods such as payment using account transfer, simple payment, payment using a mobile phone, etc. in addition to card payment.

At least some of the methods according to an embodiment of the present invention described above may be produced as a program to be executed on a computer and stored in a computer-readable recording medium, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, etc. may be present.

The computer-readable recording medium is distributed in a network-connected computer system, so that the computer-readable code can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention pertains.

In addition, although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the claims In addition, various modifications may be made by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or prospect of the present invention.

Claims (16)

In the method of providing a service fee real-time payment service in a payment agency server,
Receiving a request for payment approval for the sub-merchant transaction from an affiliated store server for processing a representative payment for transactions occurring in a plurality of sub-affiliates;
collecting and processing the settlement amount for the sub-affiliate transaction approved for payment to the affiliated store settlement agency account;
receiving, from the affiliated store server, a real-time payment request for the service fee generated in the lower affiliated store transaction; and
Remittance of the service fee requested in real time from the affiliated store settlement agency account to the service provider account; The method of claim 1, wherein the service fee
A method of providing a real-time service fee payment service, which is a delivery service fee generated in the sub-affiliate transaction. The method of claim 1, wherein the service fee
When the merchant settlement for the sub-affiliate transaction is completed, the payment is made from the merchant account to the service provider account,
A method of providing a real-time service fee payment service in which real-time payment for the service fee is requested to the payment proxy server when the merchant settlement for the sub-affiliate transaction is not completed. According to claim 1,
Using at least one of service provider account information, account holder information, bank information, and service fee amount information received from the affiliate store server, verifying the validity of the real-time service fee payment request; service fee real-time payment service providing method further comprising: . The method of claim 1, wherein the remittance processing step
A method of providing a real-time payment service for service fees performed using a bank real-time firm banking CMS (Cash Management Service). According to claim 1,
Based on at least one of the balance of the affiliated store settlement agency account and whether the settlement amount for the sub-affiliate transaction is processed or not, determining whether to deposit the deposit to the affiliated store settlement agency account; Service fee real-time payment service comprising Way. 7. The method of claim 6, wherein the deposit is
A method of providing a real-time payment service for service fees determined based on the amount to be settled at the affiliated store. 7. The method of claim 6,
The method of providing a real-time service fee payment service further comprising the step of processing the merchant settlement by deducting the deposit processed to the merchant settlement agency account from the settlement amount for the sub-affiliate transaction. According to claim 1,
Transmitting the balance information of the affiliated store settlement agency account to the affiliated store server; service fee real-time payment service providing method further comprising a. According to claim 1,
The method of providing a real-time service fee payment service further comprising the step of transmitting the remittance result information for the service fee requested in real time to the affiliated store server. In the payment proxy server for providing real-time service fee payment service,
A communication unit that receives a request for payment approval for a sub-merchant transaction from the affiliated store server for processing representative payment for transactions occurring in a plurality of sub-affiliate affiliates, and receives a request for real-time payment for service fees incurred in the sub-affiliate transaction from the affiliated store server ;
an account management unit that collects and processes the settlement amount for the sub-affiliate transaction to an affiliated store settlement account, and transfers the service fee requested for real-time payment from the affiliated store settlement agent account to a service provider account; and
Payment proxy server comprising a; settlement processing unit for processing the merchant settlement for the settlement amount collected to the merchant settlement agency account. 12. The method of claim 11,
The service provider account information, account holder information, bank information, and service fee amount information received from the affiliated store server, using at least one, a validation unit for verifying the validity of the service fee real-time payment request; Payment proxy server comprising a. The method of claim 11, wherein the account management unit
A payment proxy server that remits the real-time payment requested service fee using the bank's real-time firm banking CMS (Cash Management Service). The method of claim 11, wherein the account management unit
It is determined whether to deposit the deposit to the affiliated store settlement agency account based on at least one of the balance of the affiliated store settlement agency account and whether the settlement amount for the sub-affiliate transaction is processed, and the deposit to be deposited based on the affiliated store settlement plan amount A payment proxy server that determines the amount of 15. The method of claim 14, wherein the settlement processing unit
A payment proxy server that processes the merchant settlement by deducting the deposit processed into the merchant settlement agency account from the settlement amount for the sub-affiliate transaction. The method of claim 11, wherein the communication unit
A payment proxy server for transmitting at least one of balance information of the affiliated store settlement agency account and remittance result information for the service fee requested for real-time payment to the affiliated store server.

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