JP2003520371A - Real time cash settlement system and its processing method - Google Patents

Abstract

(57) [Summary] [Problem] It is possible to efficiently support transactions made with a cash card or credit card, and transfer goods from a buyer's account to a seller's account in real time when purchasing goods with a cash card. Provided is a real-time cash settlement system and a processing method thereof. SOLUTION: In the real-time cash settlement processing method of the present invention, card information is read by a card terminal capable of reading various cash cards or credit cards from different information recording media or different issuers (or agents). If this is transmitted to the banking processing system through the relay system, the banking processing system checks the balance of the deposit account and the amount to be transacted, and if there is no abnormality, the transaction amount is transferred from the customer's account to the dealer's account. Transfer immediately to. For this reason, goods can be purchased before or after the bank business hours, and the account transfer processing is performed immediately after the transaction, so that the number of member stores can be increased.

Description

Detailed Description of the Invention

[0001]

TECHNICAL FIELD OF THE INVENTION

The present invention relates to a card settlement system and a processing method thereof, and in particular, it can efficiently support transactions with a cash card or a credit card. The present invention relates to a real-time cash payment system that can be transferred to an account and a processing method thereof.

[0002]

[Prior art]

At present, financial companies such as banks and credit card companies use cash cards of banks as magnetic stripe cards, which are self-recording media on plastic cards, and debit cards and credit cards of credit sales companies. Credit cards are provided to users so that they can withdraw cash or purchase credit even after the banking work is completed. However, the current debit card has a small number of member stores and the member store fee is about 1%.
It is a high value of ~ 2%, and it is not possible to transfer the transaction price immediately (the transaction price is transferred on the next business day) and it is difficult to secure liquidity for cash settlement. Growth is a concern because it is not popular and is not yet widely used. Also, 1
Not only is there a limit on the number of times of use and the amount of daily use, but at the issuing bank of the debit card, there is a problem with profits due to inadequate usage records, and expansion is not applied. It is actually used as a cash card to simply withdraw cash rather than its function. In addition, the maximum amount of credit card usage varies depending on the credit level of the user,
Merchant fees are a little higher than with debit cards, so you can't transfer the transaction fee immediately (transaction fee transfer takes place after 2-3 days), and there is some cash settlement to the seller. There was a problem that it was delayed. In addition, the bank's cash card is currently owned by the majority of the bank's customers, but there is still a limit to using the 24-hour cash service and direct debit processing. Therefore, in the future, it will be possible to efficiently support transactions carried out by cash cards or credit cards, eliminate the inconvenience of possessing cash from the user side, and operate the bank or credit card company acting as a member store and service. There is a need for technological development of financial business processing systems that can reduce costs, activate cash card usage, and increase profitability.

[0003]

[Problems to be Solved by the Invention]

Therefore, it is an object of the present invention to install a card terminal and a relay system that allow immediate cash settlement (account transfer processing between a buyer and a seller) when a user who owns a bank cash card purchases an article. Is to provide a real-time cash settlement system in which the bank's / other bank's account transfer processing is performed in real time (24 hours a day), cash flow is reduced, and seller's payment processing can be processed quickly. Another object of the present invention is to read the card information with a bank cash or credit card readable card terminal, check the balance of the bank deposit account and the amount to be traded, and if there is no abnormality, By immediately transferring the transaction amount from the buyer's account to the retailer's account, it is possible to purchase goods outside the bank's business hours, and it is possible to increase the number of member stores by performing account transfer processing immediately after making a transaction. It is to provide a real-time cash payment processing method.

[0004]

[Means for Solving the Problems]

In order to achieve the above-mentioned object, the real-time transaction amount settlement processing method of cash and credit card of the present invention is a card settlement system, in which information of a bank cash card capable of real-time account transfer and cash settlement details are transferred. Or, a credit card information and a card terminal that transfers credit transaction details, a bank transaction processing system that performs real-time account transfer processing between the Bank or other banks, and a cash settlement details are recorded from the card terminal. To the bank transaction processing system again, requesting that the transaction amount between the buyer and the seller be transferred in real time between the bank and other bank cards, and the transaction processing data of the bank transaction processing system is re-established. Or credit card information and credit transaction details from the card terminal. And, which electronically transfer the business processing system on the credit card, characterized in that it comprises a relay system for outputting payment processing credit card data's business processing system to the card again terminal.

In order to achieve the above-mentioned other object, the cash and credit card real-time transaction amount settlement processing method of the present invention is a cash and credit card transaction amount settlement processing method, wherein Reading cash / credit card information and payment details and transmitting this to a relay system;
The step of recording the card information and card transaction details transmitted from the relay system, the step of distinguishing whether it is a cash card or a credit card from the relay system, and the case of a cash card, card information and card transaction details , A bank transfer or another inter-bank account transfer authorization form and transfer it to the bank processing system, and a step of comparing whether the purchase amount of the cash card from the bank processing system is less than the bank account balance, Real-time account transfer of the payment amount from another bank or between our bank in real time, receiving real-time account transfer data from the relay system through the bank business processing system, and bank card from the relay system The step of searching for the transaction data of the corresponding transaction and recording the payment process, Characterized in that it comprises a step of notifying the completion-out output payment processing information through over de terminal transactions.

Here, the relay system in the case of a credit card transmits the card information and the details of the card transaction to the business processing system of the credit card company and receives the approved data from the business processing system of the credit card company. Is preferably transmitted to the card terminal.

[0007]

DETAILED DESCRIPTION OF THE INVENTION

Preferred embodiments of the present invention will be described below with reference to the drawings. Here, the real-time cash settlement system and the processing method thereof according to the present invention are premised on the fact that 24-hour account transfer processing is possible between the bank or another bank. FIG. 1 is a block diagram of a real-time cash settlement system according to the present invention, which includes a card terminal 20 of a store and a relay system 30, and a banking processing system 40 capable of real-time account transfer processing between the bank or another bank. It is composed of a business processing system 50 on a credit card. The card terminal 20 of the present invention reads the information of the cash card which can be debited in real time, the cash settlement details, or the information of the credit card 10 and the margin transaction details, and transmits them to the relay system 30, Alternatively, the data of the relay system is received. In addition, the relay system 30 of the present invention records the cash settlement details from the card terminal 20 and relays the cash settlement details to the bank transaction processing system 40 again to transfer the transaction amount between the buyer and the seller between the bank and another bank card. It requests real-time account transfer and outputs the payment processing data of the banking processing system 40 to the card terminal 20 again. Further, the relay system 30 of the present invention records credit card information and credit transaction details, and transmits this to the credit card company's business processing system 50 to retransmit the payment processing data of the credit card company's business processing system 50. It also has a function of outputting to the card terminal 20.

FIG. 2 is a flow chart showing a real-time cash payment processing method according to the present invention. Referring to FIGS. 1 and 2, the processing method of the real-time cash payment system of the present invention will be described in detail. First, the information and payment details of the cash / credit card 10 are read through the card terminal 20 and transmitted to the relay system 30. (See s10) Then, the relay system 30 records the transmitted card information and the details of the card transaction, and then distinguishes between the cash card and the credit card. If the type of card transmitted is a cash card, cash card information, card transaction details, and bank transfer or inter-bank account transfer approval will be created and transferred to the bank processing system. (See s12 to s16) Therefore, the banking system 40 compares whether the purchase amount of the cash card is smaller than the balance of the bank account, and when the purchase amount is smaller than the balance of the account, the settlement amount between another bank or the bank is set. Real-time account transfer processing. At this time, if the purchaser and the seller have the same bank account, the bank's account transfer processing is possible, but if not, the banks participating in the common bank computer carry out the bank account transfer processing. Further, when the purchase amount is equal to or more than the account balance, it is impossible to transfer the purchaser's bank account to the store's account. (See s18 to s20)

Next, the relay system 30 receives the data for which the account transfer processing has been performed in real time through the bank service processing system 40, searches for the corresponding transaction breakdown data of the bank card, and records the payment processing. (See s24 to s26) Subsequently, the relay system 30 electronically transmits the payment processing information to the card terminal 20 of the store to notify the completion of the transaction. (See s28) In the processing method of the real-time cash settlement system of the present invention, the relay system 2
0 indicates that the card information transmitted to the card terminal 20 is a credit card,
The card information and the details of the card transaction are transmitted to the business processing system 50 of the credit card company by a normal credit card settlement process, and the data approved by the business processing system 50 of the credit card company is received. Therefore, the real-time cash payment processing method of the present invention reads card information with a card terminal capable of reading various cash cards or credit cards with different information recording media or different issuers (or agents). If this is transmitted to the bank processing system through the relay system, the bank processing system will check the balance of the deposit account and the amount to be transacted, and if there is no abnormality, transfer the transaction amount from the customer's account to the dealer's account. Transfer immediately.

[0010]

【The invention's effect】

As described above, according to the present invention, the limit of use is determined by the balance of the deposit, so the current debit card has a one-time limit and a one-day limit, and when purchasing medium or expensive items, additional cash or checks are required. The inconvenience of having to pay the purchase price can be eliminated by withdrawing or withdrawing the entire amount with cash or a check, and convenience of the cash card user can be increased. In addition, the present invention transfers the transaction amount immediately, which helps secure the liquidity of the dealer,
The fee is cheaper than existing debit cards, and it has the advantage of maximizing the profits of retailers and reducing the loss of funds due to holidays and holidays. In addition, since the present invention performs bank account transfer processing in real time, it is possible to reduce the amount of work and the cost due to this, it is possible to prevent an increase in commission income and the withdrawal of deposits, and a bank for payment at a store. Opening an account has the effect of increasing deposits and securing good customers. In addition, the present invention enables real-time payment of goods by using a cash card of a bank, reduces direct use of money, and extends the useful life of money. The present invention is not limited to the above embodiments, and various modifications can be made by those skilled in the art within the technical idea and scope of the present invention described in the claims.

[Brief description of drawings]

[Figure 1]   FIG. 1 is a block diagram of a real-time cash settlement system according to the present invention.

[Fig. 2]   FIG. 2 is a flow chart showing a real-time cash payment processing method according to the present invention.

[Explanation of symbols]

10 Cash Card / Credit Card 20 card terminal 30 relay system 40 Bank business processing system 50 Credit Card Company Business Processing System

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Claims (3)

[Claims] 1. A real-time cash payment system for cash or credit cards, in which a card terminal for transmitting information of a bank cash card and cash settlement details, which enables real-time account transfer, or of a credit card information and credit transaction details. Machine and a bank business processing system that performs real-time account transfer processing between the Bank or another bank, and records the details of cash settlement from the card terminal, and relays this to the bank business processing system again, and the purchaser and the seller Requests that the transaction amount be transferred in real time between the bank card of the Bank and other banks, and outputs the payment processing data of the banking processing system to the card terminal again, or credit card information and credit from the card terminal. Record the transaction details and use this to record the transaction processing system of the credit card company. A real-time cash payment system, which includes a relay system for transmitting the payment processing data of a credit card company's business processing system to a card terminal again. 2. A cash and credit card real-time transaction amount payment processing method, in which cash / credit card information and payment details are read through a card terminal and transmitted to a relay system. The step of recording the transmitted card information and card transaction details, the step of distinguishing whether it is a cash card or a credit card from the relay system, and in the case of a credit card, the card information, card transaction details and accompanying account transfer or other Creating a line transfer account transfer authorization form and transferring it to the banking processing system, comparing the bank card processing system to see if the purchase amount of the cash card is less than the bank account balance, and the banking processing system to another bank. Or the stage of real-time transfer of the payment amount between the banks And the step of receiving real-time account transfer processing data from the relay system through the banking processing system, the step of finding the transaction data of the bank card in the relay system and recording the settlement processing, and the step of passing through the card terminal. Outputting payment processing information and notifying the completion of transaction, the real-time cash payment processing method. 3. In the case of a credit card, the relay system transfers the card information and the details of the card transaction to the business processing system of the credit card company and receives the approved data from the business processing system of the credit card company. The real-time cash payment processing method according to claim 2, wherein the cash is transmitted to a card terminal.