KR100729965B1 - Purchasing cash card settlement method - Google Patents

Abstract

A payment method using a purchase cash card is provided to enable a small scale sale company to smoothly realize cash transaction by returning a part of a fee generated from cash payment using the purchase cash card to a purchase company and enabling a sale company to receive a sale price in cash without discounting a bill. A purchase price is paid to a purchase cash card payment system of a banking facility through a terminal by using a purchase cash card of the purchase company. The purchase cash card system calculates the fee based on information received in a previous step. A payment amount subtracting the fee from the cash deposited from the purchase company is transferred to the sale company from a payment account of the banking facility. A rewarding fee provided to the purchase company is calculated among the fee. The rewarding fee is paid to the purchase company from the payment account of the banking facility.

Description

Payment method using purchase cash card {PURCHASING CASH CARD SETTLEMENT METHOD}

1 is a conceptual diagram according to a payment method of an intercompany transaction using a conventional purchase card.

Figure 2 is a conceptual diagram according to the present invention, a payment method of the inter-company transaction using the purchase cash card by cash payment through the purchase cash settlement system of the brokerage company.

Figure 3 is a conceptual diagram according to the present invention, a payment method of inter-company transaction using the purchase cash card by cash payment through the purchase cash payment system of a financial institution.

Figure 4 is an exemplary view illustrating the fees according to the payment method of the transaction between companies using the purchase cash card in the present invention

5 is a conceptual diagram according to the present invention, a payment method of transaction between companies using a purchase cash card by credit through the purchase cash settlement system of the intermediary.

6 is a conceptual diagram according to the present invention, a payment method of transaction between companies using a purchase cash card by credit through a purchase cash settlement system of a financial institution.

7 is a block diagram of a purchase cash settlement system according to the present invention.

8 is a flowchart of one embodiment according to the present invention.

The present invention relates to a method for securely cash payment by returning a part of the fee generated through cash payment in a business transaction to a purchasing company, and more specifically, the financing between the purchasing company and the selling company. By returning some of the fees incurred in the transaction to the purchasing company, the cash flow is smooth through the system of the present invention. The present invention relates to a method and system for settlement of inter-company transactions, which can use cash for settlement of transactions.

Currently, payment of inter-company transactions includes purchase cards (corporate purchase cards, purchase-only cards) and bills.

The payment using the purchase card, issuing a purchase card to a purchaser with a credit in the financial sector, the selling company is affiliated with a merchant, and when the selling company sells the product to the buying company, the purchaser recalls the purchase price By paying with a purchase card, the selling company deducts a certain percentage of the prepayment fee and is paid the selling price, so that the selling company can cash out early, and the buying company pays cash in advance using credit. The same effect as the above, the financial institution is a way to obtain a commission income by paying cash in advance to the selling company.

1 is a conceptual diagram according to a payment method of the transaction between companies using the existing purchase card.

Referring to FIG. 1, which is a conceptual diagram of the purchase card, the existing purchase card is a state in which a financial institution, a purchasing company, and a selling company are connected to a network. The selling company sells to the purchasing company (①). The purchasing company joins a financial institution as a credit member (②), and the purchasing company pays the purchase price with a purchase card (③). When a selling company joins a financial institution as a merchant (④), and the selling company asks the financial institution to make advance payment of the sales price (⑤), the financial institution pays the selling company after deducting the prepayment fee from the selling price (⑥). do. On a predetermined date, the purchaser pays the sales price in cash to the financial institution (7), thereby ending the payment by the purchase card.

However, the conventional purchase card, the purchaser should have a credit enough to issue a purchase card at the financial institution, because the company that can issue a purchase card is extremely limited, the first to second vendors of large companies Only a company can benefit from the purchase card.

In addition, since the first and second vendor companies of the large companies actually do not have enough cash to pay the commissions and receive the payout, they pay high fees and receive the payouts in cash to deposit cash in the low interest deposit accounts. There is no need to remain. Due to this, there was a problem such as an obstacle to the activation of the use of the purchase card.

Among the first and second vendor companies, companies that cannot receive a purchase card because of low credit rating cannot pay to the subcontractor with the purchase card, so even if the original company of the company pays with the purchase card, a high fee is not paid. There was a problem that the subcontracted company did not activate the purchase card by paying by bill or credit transaction rather than cash payment.

In addition, in the case of payment through the bill may be the beginning of the chain failure.

The present invention is to solve the problems of the prior art as described above, in the settlement of inter-company transactions between the purchasing company, sales company, financial institutions through the system of the present invention, the financial institution is a new system usage fee Revenue is generated, and the purchasing company receives part of the system usage fee incurred by cash payment using the purchase cash card, and the selling company pays the sales price in cash at a much lower interest rate than the discount fee that may be incurred in the repayment of existing bills. The purpose of the present invention is to provide a payment management method and system for inter-company transaction payments, which enables cash transactions to be made smoothly even to small sellers without financial credit.

Payment method of the transaction price according to an embodiment of the present invention for achieving the above object,

An intermediary company and network having a purchase cash settlement system, a terminal connected to the purchase cash settlement system of the intermediary company through the network, and a computer network of a financial institution connected to the network and a purchase cash card payment method using a financial institution A purchase cash card payment step of allowing the purchaser to pay for the purchase price through the terminal; A cash depositing step for depositing a settlement price in cash in a purchase settlement account of a financial institution designated by the purchaser as a member; Merchant paying step for requesting payment of the sales price by the selling company, payment request step in which the broker asks the payment of the selling price to the financial institution, and payment for which the financial institution has deducted the payment fee. A remittance step of remitting to a sales settlement account of a sales company designated at the time of registration; A payment fee settlement step of allowing the financial institution to pay a system fee to all or part of the payment fee to the brokerage company; The brokerage company is a system fee settlement step of providing a part of the system fee paid in the payment fee settlement step to the purchaser as a purchaser company compensation fee; It includes.

The card used in the purchase cash card payment step uses the purchase cash card provided in the system of the present invention. If the purchaser has already acquired the credit of the financial institution, the existing purchase card may be used instead of the purchase cash card. .

After the purchase cash card payment step, a cash deposit check step of determining whether or not cash payment / credit of the payment made in the purchase cash card payment step; In the case of the cash in the cash deposit check step, the cash deposit step of allowing the purchaser to deposit the payment to the payment account before the remittance step; And additionally, if the payment by credit in the cash deposit check step performs the step of confirming the credit of the purchasing company.

In the payment payment request step, the purchase cash settlement system of the intermediary company calculates a payment fee and a system fee and delivers it to a financial institution along with a payment request for payment.

When the purchaser pays the purchase price by cash payment, if the purchaser pays the purchase price to the designated account before the payment request of the selling company, the financial institution pays the purchase cash of the brokerage company. A settlement preparation completion notification step of notifying the system of the result, wherein the brokerage company notifies the sales company of the result; Do this.

The payment completion notification step may or may not be performed depending on the method of implementing the system of the present invention.

In order to solve the technical problem, a preferred embodiment according to the present invention will be described in detail with reference to the accompanying drawings, a method and a structure for paying a purchase price in cash using a purchase cash card.

Figure 2 according to the present invention, the purchase cash payment system of the present invention to the brokerage firm, using the purchase cash settlement system of the intermediary company according to the method of payment by cash using the purchase cash card according to the method Conceptual diagram.

 Referring to Figure 2, the purchase price payment method using the purchase cash card according to the present invention, there is additionally intermediary companies connected to the network between the financial institution and the terminal than in FIG. The purchase cash settlement system of the brokerage firm may be installed inside a financial institution, and the method and procedure thereof will be described below with reference to FIG. 3. When the purchase cash payment system is installed inside a financial institution, the components are similar to those of the existing purchase card system of FIG. The purchase cash settlement system of the brokerage firm and the financial transaction management server of a financial institution may be connected by a leased line to supplement the system.

In the payment procedure of the method of payment between the intercompany transactions using the purchase cash card using the purchase cash payment system of the intermediary company of FIG. 2, the purchase company joins the intermediary company as a member of the purchase cash payment system (① The sales company subscribes to the brokerage firm as a member of the purchase cash payment system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is required to settle the transaction using the purchaser's purchase cash settlement system, and notify the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser may designate one or more accounts of financial institutions necessary for cash deposits to settle the purchase price when joining the intermediary as a member of the purchase cash settlement system (1). The membership (①) may require a separate membership to a financial institution as necessary, and in some cases may be regarded as a member to a financial institution as a member to a brokerage firm. In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling company may designate one or more accounts of financial institutions necessary to receive the payout when joining the intermediary company as an affiliate of the purchase cash settlement system (②). The affiliated subscription (②) may require a separate affiliated subscription to a financial institution, if necessary, and in some cases may be considered to be affiliated to a financial institution at the same time as joining an affiliated brokerage company. If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchaser requests the intermediary company to pay the purchase price (⑤) by using the purchase cash card of the present invention, and purchases the money in the account of the financial institution designated at the time of membership (①) or in the account separately designated by the purchase cash settlement system. Deposit (⑥) cash required for payment. At this time, the intermediary that is requested to pay the purchase cash card (⑤) may or may not notify the financial institution of the information. In addition, an intermediary that has been requested for a purchase cash card payment (⑤) may configure a purchase cash payment system to notify the selling company that the purchase company has made a purchase cash card payment. If necessary, the purchasing company may have the purchaser pay cash card (⑤) directly to the financial institution. When the purchaser directly pays the purchaser's cash card (⑤) to the financial institution, the financial institution should notify the broker.

After depositing the purchase price in cash into the designated account (⑥), the financial institution notifies the intermediary company of the result of the cash deposit (⑦). After receiving the cash deposit result notification (⑦) from the financial institution, the intermediary company notifies the selling company that the preparation for payment of the selling price is completed (⑧). The cash deposit result notification (⑦) and the payment preparation completion notification (⑧) may be omitted according to the method of implementing the purchase cash settlement system of the brokerage firm.

When the purchase cash settlement system of the brokerage firm does not receive the cash deposit result notification (⑦) message within a predetermined time after receiving the purchase cash card settlement (⑤) message, the brokerage firm sells the purchaser and the sale. The company should be informed of the result. This ensures the safety of the purchase cash settlement system.

When the seller receives a payment preparation notice (⑧) regarding the result of the cash deposit (⑥) performed by the purchasing company, the seller requests a brokerage company to pay the sales price (⑨). Request for payment of sales price. Before the payment request, the broker's purchase cash settlement system shall calculate the payment fee and the system fee and notify the financial institution with the payment request. If necessary, the selling company may make a payment request (⑨) directly to the financial institution. When a selling company makes a payment request (⑨) directly to a financial institution, the financial institution must notify the broker, and the purchaser's purchase cash settlement system calculates the payment fee and the system fee. Should be informed.

The financial institution receiving the payment request from the brokerage firm deducts the payment fee from the sales price and pays it to the selling company.

After the financial institution pays the settlement amount to the selling company, the financial institution pays the system fee which is part of the payment fee to the intermediary company.

The intermediary company pays the purchaser the purchaser's compensation fee determined by the contents of the purchase cash card transaction contract (③) concluded between the purchaser and the seller and a predetermined usage fee.

Figure 3, according to the present invention, the purchase cash payment system of the intermediary company of Figure 2 is installed in a financial institution, and the cash payments between companies using the purchase cash payment system of the financial institution using the purchase cash card to pay in cash Conceptual diagram according to how to.

The payment procedure of the method of paying cash between businesses using the purchase cash card using the purchase cash settlement system of the financial institution of FIG. 3 is as follows. (2) The selling company joins the financial institution as an affiliate of the purchase cash settlement system, and purchases a cash card transaction necessary for the buying company and the selling company to settle the transaction using the purchasing cash settlement system of the financial institution. The contract (③) must be concluded and the result must be notified to the purchase cash settlement system of the financial institution. A product sale ④ is performed between the purchasing company and the selling company.

The purchaser may designate one or more accounts of the financial institution necessary for cash deposit to settle the purchase price when joining the financial institution as a member of the purchase cash settlement system (1). In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling company may designate one or more accounts of the financial institution necessary for receipt of the selling price when joining the financial institution to the merchant of the purchase cash settlement system (②). If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchaser requests the financial institution to pay for the purchase price (⑤) by using the purchase cash card of the present invention, and purchases the money in the account of the financial institution designated at the time of membership (①) or an account separately specified in the purchase cash settlement system. Deposit (⑥) cash required for payment.

A financial institution that has been requested to pay for the purchase price (⑤) using the purchase cash card may configure a purchase cash settlement system to notify the selling company that the buying company has settled with the purchase cash card.

After the cash deposit ⑥ is made to the designated account, the financial institution notifies the selling company that the preparation for payment of the selling price is completed (⑦). The settlement preparation completion notification ⑦ may be omitted according to the method of implementing the purchase cash settlement system of the financial institution.

When the purchaser's cash payment system of the financial institution receives the purchase cash card payment (⑤) message and the cash deposit (⑥) has not been made within a predetermined time, the financial institution sends the purchaser to the selling company. The results should be informed. This ensures the safety of the purchase cash settlement system.

The selling company that has received the settlement preparation notification (⑦) for the result of the cash deposit (⑥) performed by the purchasing company requests the financial institution to pay the selling price (⑧). The financial institution receiving the payment request (⑧) from the selling company deducts the payment fee from the selling price and pays it to the selling company (⑨).

After the financial institution pays the settlement amount to the selling company (⑨), the financial institution purchases the company determined by the contents of the purchase cash card transaction agreement ③ signed by the purchasing company and the selling company and a predetermined usage fee. The compensation fee is paid to the purchasing company.

A series of inter-company transaction payment settlement processes using the purchase cash card of FIGS. 2 and 3 are performed through a network, and various fees from the description of the process will be described with reference to FIG. 4 below.

2 and 3, the payment method of the inter-company transaction using the purchase cash card in the cash deposit of the present invention, the selling company is the purchase cash settlement of the brokerage company of Figure 2 or the financial institution of Figure 3 The payment fee incurred by using the system may be the same as the prepayment fee according to a normal purchase card settlement, and in some cases, may be small or large. Therefore, since the payment is made in cash with the profit or loss not much different from the case of payment using a normal purchase card, it is advantageous over bills or credit transactions, and the financial institution of FIG. 2 has no profit or loss because it is a cash settlement. Can generate revenue, and the brokerage company of FIG. 2 or the financial institution of FIG. 3 may generate a predetermined profit from the system fee. The same or more profitable system.

FIG. 4 is an exemplary view illustrating various fees according to the case in which the business transaction of FIGS. 2 and 3 is settled in cash using a purchase cash card.

The fee incurred when the purchase cash card payment using the purchase cash payment system of the present invention, as described in Figure 4, there is a purchaser company compensation fee, system fee, server fee, financial fee, payment fee.

The purchaser's compensation fee means a fee for compensating for interest loss of the purchaser when the transaction between companies through the purchase cash settlement system of the present invention is settled in cash using a purchaser's cash card. The loss of interest means that when a purchaser pays for a purchase price using a conventional bill or purchase card, the purchaser's cash is paid to the financial institution after a period of time has passed. Payment in cash, but the payment using the purchase cash card of the present invention means a loss caused by the usefulness of the cash for a certain period of time because the payment is paid to the selling company immediately after the purchase payment.

The purchaser's compensation fee may be changed according to the purchaser's credit rating and the purchaser's and seller's purchase cash card transaction contract. It may also be changed from time to time depending on factors such as the type, quantity, and procedure of the goods sold by the selling company. The purchaser compensation fee may have a negative value when the credit rating of the purchasing company is lower than the credit rating of the selling company. This is similar to the case of the conventional reverse purchase method. In addition, in order to facilitate management, the purchaser's compensation fee may be equally applied to all purchasers. This case is similar to the existing card merchant.

The purchaser compensation fee is paid to the purchaser who has paid using the purchase cash card.

The system fee refers to a purchaser's compensation fee for the interest loss compensation of the purchasing company and a fee for the operation / maintenance of the purchaser's cash payment system, and is paid to the institution and the company that installed the purchaser's cash payment system.

The server fee refers to a fee for compensating for the use of the server of a financial institution to process financial transactions such as account cash transfer / payment / management when using the purchase cash card of the present invention, and the server fee refers to the purchase cash. It is paid to financial institutions that have introduced a payment system.

The financial fees are high credit rating, so that the purchaser with the credit of the financial institution pays with credit through the system of the present invention using a conventional purchase card as a purchase cash card, and the seller receives the payment in advance within the credit settlement date. It means the existing prepayment fee incurred, and the financial fee is paid to the financial institution that has granted the credit to the purchaser because it is the same as the financial institution loaned cash in advance. If the purchasing company pays the purchase price with the purchase cash card using credit, the financial institution receives both the financial fee and the server fee, so that the profit can be higher than that of the payment using the existing purchase card. Will be.

The payment fee refers to a fee paid by the selling company when the purchase cash settlement system is used for payment between the companies. The payment fee is the sum of the system fee, the server fee, and the financial fee. The payment fee is paid by the selling company to the financial institution. In the case of FIG. 2, the payment fee may be paid directly to an intermediary company that manages the purchase cash settlement system as needed.

5, in the present invention, the purchaser's cash payment system of the present invention is installed in an intermediary company, and the purchaser's financial institution credits the purchase price of the intercompany transaction using the purchaser's cash payment system of the intermediary company. The conceptual diagram according to the payment method using credit.

Referring to Figure 5, the purchase cash card according to the present invention is that the purchase cash payment system of the intermediary company connected to the network is the same as that of FIG.

In the settlement procedure of the method of payment between the intercompany transactions using credit card using the purchase cash card of the intermediary using the purchase cash settlement system of the intermediary company, the purchasing company joins the intermediary as a member of the purchase cash settlement system (① The sales company subscribes to the brokerage firm as a member of the purchase cash payment system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is required to settle the transaction using the purchaser's purchase cash settlement system, and notify the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser may designate one or more accounts of financial institutions necessary for cash deposits to settle the purchase price when joining the intermediary as a member of the purchase cash settlement system (1). The membership (①) may require a separate membership to a financial institution as necessary, and in some cases may be regarded as a member to a financial institution as a member to a brokerage firm. In case of a purchasing company that has already registered as a member, the procedure for registering as a member (①) is omitted.

The selling company may designate one or more accounts of financial institutions necessary to receive the payout when joining the intermediary company as an affiliate of the purchase cash settlement system (②). The affiliated subscription (②) may require a separate affiliated subscription to a financial institution, if necessary, and in some cases may be considered to be affiliated to a financial institution at the same time as joining an affiliated brokerage company. If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchaser requests the broker to pay for the purchase price (⑤) using the purchase cash card of the present invention. The intermediary company inquires (6) whether the purchaser's credit settlement is possible according to the purchase cash card settlement (⑤). In some cases, the credit settlement inquiry (6) may be omitted. The broker company receives the result of the credit settlement notification (⑦) from the financial institution and notifies the seller of the completion of the credit settlement according to the result (⑧).

The sales company that has been informed of the completion of the credit settlement request (8) requests the brokerage company to prepay the sales price (9). The intermediary, which has received the request for advance payment, requests the financial institution to prepay the sale price.

Before the payment request, the broker's purchase cash settlement system shall calculate the payment fee and the system fee and notify the financial institution with the payment request. If necessary, the selling company may make a payment request (⑨) directly to the financial institution. When the selling company makes a payment request (⑨) directly to the financial institution, the financial institution must notify the broker, and the purchase cash settlement system of the brokerage company calculates the payment fee and the system fee. You must inform the financial institution.

A financial institution that receives a prepayment request from the intermediary company deducts a payment fee from the sales price and pays it to the selling company. In this case, the payment fee is generally the same as the prepayment fee for payment using a conventional purchase card, but may be more or less than the prepayment fee in some cases.

Since the financial institution has prepaid the settlement price in credit to the purchasing company, the system fee, which is the amount remaining after deducting the financial fee from the payment fee, is paid to the brokerage company. If payment fees are the same as finance fees, there may be no fees paid to the brokerage firm.

The intermediary company pays the purchaser the purchaser's compensation fee determined by the contents of the purchase cash card transaction contract (③) concluded between the purchaser and the seller and a predetermined usage fee. The purchaser pays the amount paid by credit to the financial institution using a purchase cash card after a predetermined period of time determined when the credit institution acquires the credit.

6, in the present invention, the purchase cash payment system of the brokerage company of FIG. 5 is installed in a financial institution, and the transaction between companies is settled in cash using a purchase cash card using the purchase cash payment system of the financial institution. Conceptual diagram according to how to.

The payment procedure of the method of paying the transactions between companies by credit using the purchase cash card using the purchase cash settlement system of the financial institution of FIG. 6, the purchaser is registered as a member of the purchase cash settlement system with the financial institution (①. The sales company subscribes to the financial institution as an affiliate of the purchase cash settlement system (②). The purchaser and seller must conclude a purchase cash card transaction contract (③), which is necessary to settle the transaction using the purchaser's purchase cash settlement system of the financial institution, and notify the result of the purchaser's purchase cash settlement system. . A product sale ④ is performed between the purchasing company and the selling company.

The purchaser of FIG. 6 may designate one or more accounts of a financial institution necessary for cash deposit to settle the purchase price when joining the financial institution as a member of the purchase cash payment system (1). In the case of a purchasing company that has already registered as a member, the member skips the procedure.

The selling company may designate one or more accounts of the financial institution necessary for receipt of the selling price when joining the financial institution to the merchant of the purchase cash settlement system (②). If the company is already a merchant, the procedure for joining a merchant (②) is omitted.

The purchasing company requests the financial institution to pay the purchase price (⑤) by credit using the purchase cash card of the present invention.

A financial institution that has been requested to pay the purchase price (⑤) by credit using the purchase cash card may configure a purchase cash settlement system to notify the selling company that the buying company has paid with the purchase cash card, if necessary. .

The financial institution, which has been requested to pay the purchase price (⑤) by credit using the purchase cash card from the purchasing company, notifies the selling company that the preparation for payment of the sale price is completed (⑥). The settlement preparation completion notification (⑥) may be omitted according to the method of implementing the purchase cash settlement system of the financial institution.

The selling company having received the settlement preparation notice (⑥) requests the financial institution to pay the prepayment of the selling price (⑦). The financial institution receiving the prepayment request (⑦) from the selling company deducts the payment fee from the selling price and pays the selling company (⑧).

After the financial institution pays (8) the settlement amount to the selling company, the financial institution purchases a company determined by the contents of the purchase cash card transaction agreement (③) concluded between the buying company and the selling company and a predetermined usage fee. Compensation fee is paid to the purchaser (9).

The purchaser pays the amount paid by credit using the purchase cash card to the financial institution after a predetermined period of time determined when the financial institution acquires the credit.

As shown in Figure 5 and Figure 6 the inter-company transaction payment settlement method using the purchase cash card with the credit of the present invention, the selling company pays a payment fee equal to or slightly higher than the prepayment fee according to the normal purchase card payment The same or a slight loss may occur as before, but if the selling company uses the purchase cash card when purchasing the material / raw material of the goods sold in the transaction, the incurred fee loss may be received. It is more advantageous than the existing purchase card because it can reduce or get more profit than loss, and the financial institution of FIG. 5 can receive the financial fee and the server fee from the payment fee, thereby generating the same or more profit as the conventional purchase card. In addition, the financial institution of FIG. 6 pays the financial fee, the server fee, and the system fee from the payment fee. You can can generate the same or more money to the conventional purchase card. The brokerage company of FIG. 5 may generate a predetermined profit from the system fee, and the purchaser uses the purchase cash card in the same manner as the existing purchase card, but the purchaser's compensation fee is paid. It's a system that benefits even more.

7 is a block diagram of a purchase cash settlement system according to the present invention.

Referring to FIG. 7, the present invention is composed of a purchase cash settlement system, a financial institution, an intermediary company, a purchase company, and a sale company. When implementing the system of the present invention, if necessary, it may be composed of a purchase cash settlement system, a financial institution, a purchasing company, and a selling company.

A financial institution means a server of a financial institution or an account of a financial institution that is connected to a network through a computer network of the financial institution. The purchase cash settlement system may be installed in an intermediary company as shown in FIGS. 2 and 5, or may be installed in a financial institution as shown in FIGS. 3 and 6.

Purchasing cash payment system, Member DB, Merchant DB, Payment DB, Log DB, Purchase Cash Card Payment Module, Purchase Cash Card Payment Notification Module, Payment Request Module, Fee Settlement Module, Fee Transmit / Receive Module, Risk Management Module, Access Control Module It includes a flow control module.

Member DB refers to a database that organizes / manages the information necessary for the purchaser to join the purchase cash payment system as a member. Purchasing cash card is issued to the purchasing company registered as the member. The purchase cash card may be a physical card, or only a card number may be issued to make a payment using a public certificate on a network. As shown in FIG. 5, when a purchasing company needs credit to a financial institution, it needs to be separately approved by the financial institution.

Merchant DB means a database that organizes / manages the information necessary for the merchant to join the purchase cash payment system as a member. If necessary, any one company may be subscribed to both member DB and merchant DB.

Payment DB is a database that records payment-related information, and consists of fields such as payment amount, cash / credit status, payment date, payment request date, payment date, settlement date, system fee, payment fee, and purchaser compensation fee. The payment amount is the same as the sales amount or purchase amount, and the cash / credit status is recorded according to whether the member (purchasing company) of the member DB decides whether to make cash or credit. The payment date is the date of payment, the payment request date is the date when the merchant (seller) requested the payment of the sales price, the payment date is the date the payment was made to the merchant (sales company), and the settlement date is the financial institution. The payment date is the date when the payment was made, the system fee is the fee using the purchase cash payment system, and the payment fee is the sum of all fees paid when the selling company acquires the sale price using the system of the present invention. The corporate compensation fee is the fee paid by the purchasing company (member) to the purchasing company for the use of the purchase cash payment system.

The log DB refers to a data system in which the purchase cash settlement system of the present invention organizes and stores all payments using the purchase cash card.

The purchase cash card payment module is a module that handles the work that occurs when the purchasing company pays the purchase price with the purchase cash card. The purchase cash card payment module displays a predetermined payment window on the terminal and prompts the purchaser to input necessary information such as the purchase cash card number, payment amount, sales number, merchant information, member information, password, official certificate number, and security card number. And, according to the input information to pay the purchase cash card. When the payment is made by the purchase cash card payment module, the information is stored in the payment DB.

The purchase cash card settlement notification module is a module for notifying the selling company or the financial institution that the purchase cash card has been settled. The Purchase Cash Card Payment Notification Module may not work as required. The purchase cash card settlement notification module simultaneously pays the purchaser with the purchase cash card or after a predetermined time elapses. If necessary, the purchaser deposits the payment in the payment account of the financial institution and the deposit information is notified. Inform the selling company of any means of communication, such as e-mail, text message, messenger or telephone.

The payment request module is a module for processing a request for payment of a selling price by a selling company. The payment request module displays a predetermined payment request window on the terminal, prompts the selling company to input necessary information such as merchant number, payment request amount, password, official certificate number, and security card number, and makes a payment request according to the received information. do. When the payment request is made to the server of the financial institution by the payment request module, the information is stored in the payment DB. The information requested by the payment request module will be notified to the financial institution and the purchasing company.

The commission settlement module is a module that calculates all commissions, such as purchaser compensation, system fees, server fees, finance fees, and payment fees, which are incurred by using the purchase cash settlement system. Calculate the financial fees to be provided to the financial institution if the purchase cash card is used by credit, deductible payment fees, credit, and the purchaser's compensation fee to be provided to the purchasing company in the cash payment system. Notify companies, sales companies, and intermediaries.

When the system fee is received from a financial institution, the commission sending / receiving module checks the details of the deposit and, if the deposit includes the purchaser's compensation fee to be remitted to the purchaser, the purchaser's compensation fee is included in the account of the purchasing company or the designated account. Send it to the company, and notify the purchasing company by using a predetermined communication tool such as e-mail, text message, messenger or telephone. The commission module also sends and notifies the fees that each financial institution, brokerage company, and sales company must provide. If necessary, the fee transmitting and receiving module may be manually operated.

As shown in FIG. 3 or FIG. 6, when the purchase cash settlement system is serviced by a financial institution, it may be regarded as a financial institution. In this case, the purchase cash payment system and the financial institution are regarded as the same component. Also, as shown in FIG. 2 and FIG. 5, when the purchase cash settlement system is serviced by an intermediary company, it may be regarded as an intermediary company.

8 is a flowchart of one embodiment according to the present invention.

Referring to Figure 8, the selling company sells to the buying company.

Distinguish whether the buying company or selling company is a member, and if necessary, the buying company and selling company join. After signing up, the purchasing company and the selling company shall establish a purchase cash card transaction contract between the two institutions and notify the purchase cash payment system in order to pay for the transaction between companies using the purchase cash payment system.

The purchasing company pays with the purchase cash card.

The purchase cash settlement system inquires whether the purchaser pays the purchase cash card by cash or credit. The cash check step may be performed after or before the purchase cash card payment step. However, the purchase cash card payment step and the cash check step are usually performed at the same time.

In the case of cash deposit in the cash check step, the purchaser deposits the cash amount in cash to the payment account or designated account of the financial institution designated at the time of membership registration (cash deposit step). When the cash is received, the financial institution notifies the purchase cash settlement system of the cash deposit result (cash deposit result notification step), and the purchase cash settlement system notifies the selling company that the payment preparation is completed (payment preparation completion notification step). The cash deposit result notification step and the settlement preparation completion notification step may be omitted.

If the buyer has not been notified of the result of the cash deposit for a fixed period of time, or if the cash has been deposited at a lower level than the payment amount at the cash deposit result notification stage, or the purchase cash settlement system has been notified by the financial institution of the purchase, the purchase cash settlement system is notified. The cash settlement system notifies the purchasing company of the cash deposit of the settlement price, and notifies the selling company that the settlement of the settlement amount has failed if the deposit is not completed within the predetermined period. Notification to the purchasing company and notification to the selling company may be omitted.

If the payment preparation completion notification step is successfully performed, the selling company requests the payment of the payment to the purchase cash payment system (payment request step). Upon receipt of payment request from the seller, the purchase cash settlement system requests a payment request from a financial institution (payment request stage).

The designated account cash payment step to the payment request step 2 is executed only when the purchaser pays the purchase price in cash using the purchase cash card.

If the purchaser chooses to perform the purchase payment with credit in the cash check step, the designated cash payment step from the payment request step is omitted, and the purchase cash settlement system notifies the financial institution of the credit settlement (credit). Payment notification step).

The financial institution investigates the credit limit of the purchasing company in accordance with the credit settlement notification stage and notifies the purchase cash settlement system of the purchaser (credit result of the purchasing company credit limit). The purchase cash settlement system notifies the selling enterprise that the preparation for payment of the selling price is completed by the purchasing company's credit settlement (credit settlement preparation notification stage).

The selling company requests a prepayment to the purchase cash settlement system when the prepayment of the selling price is required according to the result of the completion of the credit settlement preparation notification (prepayment request step). The prepayment request phase may be directly commissioned by the selling company to a financial institution. Upon receipt of the prepayment request from the seller, the purchase cash settlement system requests a prepayment from the financial institution (prepayment request stage).

The credit settlement notification step to the prepayment request step is executed when the purchasing company decides to pay the purchase price using the purchase cash card with credit.

When the payment request step or the advance payment request step is completed, the financial institution deducts the payment fee from the payment price and pays the remaining amount to the selling company (payment step after the payment fee deduction). After the payment fee is deducted, the financial institution that has passed the payment step calculates and pays the system fee to the institution (financial institution or brokerage company) where the purchase cash settlement system is installed (system fee payment step). The institution (financial institution or intermediary) in which the purchase cash payment system is provided with the system fee is calculated and paid to the purchasing company (purchasing company compensation fee).

The system fee payment step and the purchaser company compensation payment step may be performed in a reversed order, and may be performed simultaneously in some cases.

When the purchase enterprise compensation payment step is completed, in the payment of the transaction between companies using the purchase cash settlement system of the present invention, in the case of the method using cash deposit, all payment procedures are completed. However, the method of using credit is terminated when the purchasing company deposits cash corresponding to the payment amount in the credit account (credit account deposit step) before the contract period between the purchasing company and the financial institution ends.

By introducing the system of the present invention as described above, in the case of financial institutions, it is possible to establish a cash settlement between the purchasing company and the selling company and increase the profit of the server fee generated therefrom.

In addition, a cash purchase company uses a purchase cash card as a credit and pays cash at a low interest rate financial institution, rather than using a system of the present invention to pay in cash using a system that is higher than the interest income guaranteed by a financial institution. Since the company receives a corporate compensation fee of profit, it is effective to activate the purchase settlement using cash.

In addition, through the present invention, in the case of a purchaser who could not use the purchase cash card because there was no credit in the financial sector, the purchaser's compensation fee, which is part of the payment fee paid by the selling company, was returned by paying the purchase price in cash instead of generating a bill to obtain profit. Therefore, the purchasing company using the system of the present invention has the effect of enjoying the benefits corresponding to interest income through cash payment.

In addition, through the present invention, the selling company has the effect of paying a lower payment fee and receiving the cash payment in cash than receiving a paper discount in order to secure a stable cash.

Therefore, by using the purchase cash card of the present invention, it can achieve the above-described effect that a financial institution, a purchasing company, a selling company can achieve smooth inter-company cash payments can be activated. In addition, this has the effect of correcting the direct damage of paper.

Claims (46)

A purchase cash payment system is installed in a server of a financial institution, the computer network and network of the financial institution , the terminals of the buying and selling company connected to the server of the financial institution through the network, and the computer network of the financial institution connected to the network. In the payment method using a purchase cash card of a financial institution, A purchase cash card payment step in which a purchase price is settled in a purchase cash payment system of a financial institution with a purchase cash card of a purchasing company through the terminal; A payment commission settlement step of calculating a payment fee based on the information received in the purchase cash card payment step by the purchase cash settlement system of the financial institution; A payment amount remittance step of the payment amount deducting the payment fee of the payment fee settlement step from the cash received by the purchaser as a purchase price remittance from the payment account of the financial institution to the account of the selling company; A purchaser company compensation fee settlement step of calculating a purchaser company compensation fee to be provided to the purchaser as a purchaser company compensation fee among the payment fees; A purchaser company compensation fee payment step in which the purchaser company compensation fee is paid to the purchaser company in a payment account of the financial institution; Payment method using a purchase cash card having a. The method of claim 1, Before the payment transfer step, A payout request step of requesting payment of a selling price from the selling company to the purchase cash settlement system of the financial institution through the terminal ; Payment method using a purchase cash card having a. The method according to claim 1 or 2, Before the purchase cash card payment step, A purchase cash card transaction contract notification step of notifying the purchase cash settlement system of the financial institution of the financial institution through the terminal when the purchase enterprise and the sales enterprise perform a purchase cash card transaction contract; Buy cash cash card purchase system is to notify you that the debit card purchase contracts received notice from the purchasing company and the sales company established a trading agreement of the institutions established notification stage; Payment method using a purchase cash card having a. The method according to claim 1 or 2, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the financial institution , to the selling company that the purchase company has settled the purchase cash card after the purchase cash card payment step; After the purchase cash card payment step, if the purchaser does not deposit all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash settlement system of the financial institution is transferred to the purchaser . A cash deposit request notification step of notifying the contents requiring the cash deposit; After the purchase cash card payment step, if the purchaser does not receive all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash payment system of the financial institution is sent to the selling company. A cash deposit delay notification step notifying that cash has not been received from the purchasing company; A payment preparation completion notification step of notifying the purchase company that the purchase cash payment system of the financial institution is ready to make a payment after the cash deposit step; A payout request notification step of, after the payout request step, a purchase cash settlement system of the financial institution notifying the purchaser that the selling company has requested payment of a sale price; A payment payment completion notification step of notifying the purchaser of completion of payment payment by the purchase cash payment system of the financial institution after the payment payment remittance step; Payment method using a purchase cash card having any one or two or more. The method of claim 3, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the financial institution , to the selling company that the purchase company has settled the purchase cash card after the purchase cash card payment step; After the purchase cash card payment step, if the purchaser does not deposit all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash settlement system of the financial institution is transferred to the purchaser . A cash deposit request notification step of notifying the contents requiring the cash deposit; After the purchase cash card payment step, if the purchaser does not receive all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash payment system of the financial institution is sent to the selling company. A cash deposit delay notification step notifying that cash has not been received from the purchasing company; A payment preparation completion notification step of notifying the purchase company that the purchase cash payment system of the financial institution is ready to make a payment after the cash deposit step; A payout request notification step of, after the payout request step, a purchase cash settlement system of the financial institution notifying the purchaser that the selling company has requested payment of a sale price; A payment payment completion notification step of notifying the purchaser of completion of payment payment by the purchase cash payment system of the financial institution after the payment payment remittance step; Payment method using a purchase cash card having any one or two or more. The method according to claim 1 or 2, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 3, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 4, wherein A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 5, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method according to claim 1 or 2, The payment fee is A purchaser compensation fee paid to the purchaser to compensate for the interest loss of the purchaser caused by using cash to settle the transaction between companies using the purchaser's cash card; A system fee that combines the purchaser's compensation fee for the interest loss compensation of the purchaser and the operation and maintenance fee of the purchaser's cash payment system; A server fee for the operation / maintenance of a server of a financial institution used to process financial transactions such as transfers when using the purchase cash card; Payment method using a purchase cash card, characterized in that it comprises any one or two or more. The method according to claim 1 or 2, The purchasing company compensation fee settlement step, A method of uniformly applying the settlement rate of the purchaser's compensation to all purchasing companies; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the purchaser's and seller's purchase cash card transaction contract; A method of flexibly applying the settlement rate of the purchaser's compensation according to the creditworthiness of the purchasing company and the selling company; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the number of transactions, types of goods, procedures, and amounts; Payment method using a purchase cash card, characterized in that by applying any one or two or more of the calculation. The method of claim 1, A purchase cash payment system is installed in a financial institution, and the computer network and network of the financial institution, the terminals of the buying and selling company connected to the financial institution through the network, and the computer network and financial institution of the financial institution connected to the network. In the payment method using a cash card, A purchase cash card payment step of allowing a purchasing company to pay the purchase price with a purchase cash card to a purchase cash payment system of a financial institution through the terminal; A cash check step for determining whether or not the cash payment / credit of the payment made in the purchase cash card settlement step; If the credit is selected in the cash check step, A payment commission settlement step of calculating a payment fee based on the information received in the purchase cash card payment step by the purchase cash settlement system of the financial institution; A payment remittance step of allowing the financial institution to prepay the payment to the selling company by deducting the payment fee settled in the payment fee settlement step; A purchaser company compensation fee settlement step of calculating, by the financial institution, a purchaser company compensation fee for providing a purchaser company compensation fee to the purchaser company among the payment fees; A purchaser compensation fee payment step of the financial institution paying the purchaser compensation fee to the purchaser; A cash settlement step of allowing the purchaser to deposit the payment amount prepaid by the financial institution in the purchaser's settlement account on the settlement date of the purchaser; Payment method using a purchase cash card having a. The method of claim 12, Before the payment transfer step, A payout request step of requesting a prepayment of a selling price to the purchase cash settlement system of the financial institution from the selling company through the terminal ; Payment method using a purchase cash card having a. The method according to claim 12 or 13, Before the purchase cash card payment step, A purchase cash card transaction contract notification step of notifying the purchase cash settlement system of the financial institution of the financial institution through the terminal when the purchase enterprise and the sales enterprise perform a purchase cash card transaction contract; Buy cash cash card purchase system is to notify you that the debit card purchase contracts received notice from the purchasing company and the sales company established a trading agreement of the institutions established notification stage; Payment method using a purchase cash card having a. The method according to claim 12 or 13, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the financial institution , to the selling company that the purchase company has settled the purchase cash card after the purchase cash card payment step; After the purchase cash card payment step, if the purchaser does not deposit all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash settlement system of the financial institution is transferred to the purchaser . A cash deposit request notification step of notifying the contents requiring the cash deposit; After the purchase cash card payment step, if the purchaser does not receive all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash payment system of the financial institution is sent to the selling company. A cash deposit delay notification step notifying that cash has not been received from the purchasing company; A payment preparation completion notification step of notifying the purchase company that the purchase cash payment system of the financial institution is ready to make a payment after the cash deposit step; A payout request notification step of, after the payout request step, a purchase cash settlement system of the financial institution notifying the purchaser that the selling company has requested payment of a sale price; A payment payment completion notification step of notifying the purchaser of completion of payment payment by the purchase cash payment system of the financial institution after the payment payment remittance step; Payment method using a purchase cash card having any one or two or more. The method of claim 14, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the financial institution , to the selling company that the purchase company has settled the purchase cash card after the purchase cash card payment step; After the purchase cash card payment step, if the purchaser does not deposit all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash settlement system of the financial institution is transferred to the purchaser . A cash deposit request notification step of notifying the contents requiring the cash deposit; After the purchase cash card payment step, if the purchaser does not receive all or part of the cash to be paid to the financial institution for the payment of the purchase price, the purchase cash payment system of the financial institution is sent to the selling company. A cash deposit delay notification step notifying that cash has not been received from the purchasing company; A payment preparation completion notification step of notifying the purchase company that the purchase cash payment system of the financial institution is ready to make a payment after the cash deposit step; A payout request notification step of, after the payout request step, a purchase cash settlement system of the financial institution notifying the purchaser that the selling company has requested payment of a sale price; A payment payment completion notification step of notifying the purchaser of completion of payment payment by the purchase cash payment system of the financial institution after the payment payment remittance step; Payment method using a purchase cash card having any one or two or more. The method according to claim 12 or 13, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 14, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 15, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method of claim 16, A membership registration step of designating one or more purchase settlement accounts of financial institutions to be used for payment for purchases from the purchasing company through the terminal and joining as a member to the purchase cash settlement system of the financial institutions; An affiliated store registration step of designating one or more sales payment accounts of a financial institution to be used for payment of sales through the terminal from the selling company and subscribing to the purchase cash settlement system of the financial institution as an affiliated store; Payment method using a purchase cash card having a. The method according to claim 12 or 13, Payment fee is A purchaser company compensation fee for compensating for the purchaser company to use the purchase cash card in a credit transaction to settle a transaction between companies; A system fee combining the purchaser's compensation fee and a fee for operating / maintaining the purchase cash settlement system; A financial fee that provides a discount to a financial institution when a purchaser with a credit card of a financial institution pays with credit through the purchase cash settlement system of the present invention using an existing purchase card, and the selling company receives a prepayment within a payment date. Wow; A server fee for the operation / maintenance of a server of a financial institution used to process financial transactions such as transfers when using the purchase cash card; Payment method using a purchase cash card, characterized in that it comprises any one or two or more. The method according to claim 12 or 13, To settle the purchaser compensation fee, A method of uniformly applying the settlement rate of the purchaser's compensation fee to all purchasing companies; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the financial cash card transaction contract between the purchaser and the seller; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the creditworthiness of the purchasing company and the selling company; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the number of transactions, types of goods, procedures, and amounts; Any one or more of the payment method using a purchase cash card, characterized in that can be applied. delete It is located between the server of the financial institution, the computer network and network of the financial institution, the terminal of the buying and selling company connected to the server of the financial institution through the network and the financial institution, the buying company and the selling company. In the payment method that uses the purchase cash card when payment between companies using a brokerage system equipped with a system, A purchase cash card payment step in which the purchase price is settled in the purchase cash settlement system of the intermediary company through the purchase cash card of the purchase company through the terminal ; A payment commission settlement step of calculating a payment fee based on the information received in the purchase cash card payment step by the purchase cash settlement system of the intermediary company; A payment fee notification step of notifying the server of the financial institution of the payment fee obtained in the payment fee settlement step by the purchase cash settlement system of the brokerage company; A payout request step of requesting the payment of the selling price to the purchase cash settlement system of the brokerage company through the terminal ; A payout request notification step of notifying the purchaser that the purchase cash settlement system of the intermediary company has requested the payment of the sale price from the seller; A payment payment request step in which the purchase cash payment system of the intermediary company requests payment of a selling price to a server of the financial institution; A payment amount remittance step in which the payment amount deducting the payment fee in the payment fee settlement step is remitted from the payment account of the financial institution to the selling company among the cash deposited by the purchaser as the purchase price; A system fee payment step in which a system fee of a payment fee notification step is paid to an account of an intermediary company in a payment account of the financial institution; A purchaser company compensation fee settlement step of calculating a purchaser company compensation fee for providing the purchaser company compensation fee from the system fee received in the system fee payment step by the purchase cash settlement system of the brokerage company; A purchaser company compensation fee payment step in which the purchaser company compensation fee is paid from an account of the intermediary company to the account of the purchaser company; Payment method using a purchase cash card having a. The method of claim 24, Before the purchase cash card payment step, A purchase cash card transaction contract notification step of informing the purchase cash settlement system of the brokerage company through the terminal when the purchaser and the seller perform a purchase cash card transaction contract; A notification of the purchase cash card transaction contract confirmation step of notifying the server of the financial institution of the contents of the purchase cash card transaction contract notified by the purchase cash settlement system of the intermediary company after the notification of the purchase cash card transaction contract; A notification of a purchase cash card transaction contract establishment step of notifying, by the server of the financial institution , that the notified purchase cash card transaction contract has been established to the purchase cash settlement system of the intermediary company; A purchase cash card transaction contract completion notification step of notifying the purchasing company and the selling company of the completion of the purchase cash card transaction contract notification step, wherein the purchase cash card transaction system of the intermediary company has been notified of the purchase cash card transaction contract; Payment method using a purchase cash card having a. The method of claim 24 or 25, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the intermediary company, that the purchase company has settled the purchase cash card after the purchase cash card payment step; A purchase cash card settlement start notification step of, after the purchase cash card settlement step, the purchase cash settlement system of the intermediary company notifies the server of the financial institution that the purchaser has paid with the purchase cash card; After the purchase cash card payment step, if the deposit of all or part of the cash to be paid by the purchaser is not made within a predetermined time period, the server of the financial institution does not deposit the payment to the purchase cash payment system of the brokerage company . A cash shortage notification step for notifying contents of the; A cash deposit request notification step of, after the cash shortage notification step, a purchase cash settlement system of the brokerage firm notifying the purchaser to deposit an undeposited amount notified in the cash shortage notification step; After the cash shortage notification step, if all or part of the purchase price paid by the purchasing company with the purchase cash card is not deposited even after a predetermined period of time has elapsed, the purchase cash settlement system of the brokerage firm is the server of the financial institution . And a cash deposit delay notification step of notifying the selling company that no cash has been received from the buying company. A cash deposit result notification step of notifying the purchase cash settlement system of the brokerage company that the server of the financial institution has received the cash after the cash deposit step; A payment preparation completion notification step of notifying that the purchase cash settlement system of the intermediary company is ready to make a payment to the selling company after the cash deposit step; A payment remittance result notification step of notifying the result of the payment remittance transfer by the server of the financial institution to the purchase cash settlement system of the intermediary company after the payment remittance step; A settlement payment remittance completion notification step of notifying, after the settlement payment remittance result notification step, that the purchase cash settlement system of the brokerage firm has remitted the settlement payment to the selling company; A payment payment completion notification step of notifying the completion of payment payment by the purchase cash settlement system of the intermediary company after the payment payment remittance result notification step; Payment method using any one or more of the purchase cash card. delete The method of claim 24 or 25, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. delete The method of claim 26, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. delete The method of claim 24 or 25, The payment fee is A purchaser compensation fee paid to the purchaser to compensate for the interest loss of the purchaser caused by using cash to settle the transaction between companies using the purchaser's cash card; A system fee that combines the purchaser's compensation fee for the interest loss compensation of the purchaser and the operation and maintenance fee of the purchaser's cash payment system; A server fee for operating / maintaining a server of a financial institution used to process financial transactions such as transfers when using the purchase cash card; Payment method using a purchase cash card, characterized in that it comprises any one or two or more. 33. The method of claim 32, The system fee is Making the payment to the brokerage company by deducting the server fee from the payment fee; Payment method using a purchase cash card characterized in that. The method of claim 24 or 25, The purchasing company compensation fee settlement step, A method of uniformly applying the settlement rate of the purchaser's compensation to all purchasing companies; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the purchaser's and seller's purchase cash card transaction contract; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the creditworthiness of the purchaser and seller; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the number of transactions, types of goods, procedures, and amounts; Payment method using a purchase cash card, characterized in that by applying any one or two or more of the calculation. It is located between the server of the financial institution, the computer network and network of the financial institution, the terminal of the buying and selling company connected to the server of the financial institution through the network and the financial institution, the buying company and the selling company. In the payment method that uses the purchase cash card when payment between companies using a brokerage system equipped with a system, A purchase cash card payment step in which the purchase price is settled in the purchase cash settlement system of the intermediary company through the purchase cash card of the purchase company through the terminal ; A cash check step for determining whether or not the cash payment / credit of the payment made in the purchase cash card settlement step; If the credit is selected in the cash check step, A payment commission settlement step of calculating a payment fee based on the information received in the purchase cash card payment step by the purchase cash settlement system of the intermediary company; A payment fee notification step of informing the server of the financial institution of the payment fee obtained in the payment fee settlement step by the purchase cash settlement system of the brokerage company; A payment amount remittance step of deducting payment fees received in the payment fee notification step from the account of the financial institution to the account of the selling company in advance; A system fee payment step in which the system fee received in the payment fee notification step in the account of the financial institution is paid to the account of the intermediary company; A purchaser company compensation fee settlement step of calculating a purchaser company compensation fee for providing the purchaser company compensation fee from the system fee received in the system fee payment step by the purchase cash settlement system of the brokerage company; A purchaser company compensation fee payment step in which the purchaser company compensation fee is paid to the purchaser company in the account of the brokerage company; Cash payment stage to the settlement account of the purchasing company purchasing company in the payment of a fixed cash payment advance payment from the account of the financial institution from the deposit account of the purchasing company; Payment method using a purchase cash card having a. 36. The method of claim 35 wherein Before the payment transfer step, A payout request step of the selling company requesting advance payment of the selling price to the purchase cash settlement system of the intermediary company through the terminal ; After the payout request step, the purchase cash settlement system of the intermediary company notifies the purchaser of the payout request step of notifying the purchaser that the selling company has requested advance payment of the payout; After the payout request step, the purchase cash settlement system of the brokerage firm includes a payout request step of requesting a prepayment of the payout price to a server of the financial institution; Payment method using a purchase cash card having a. The method of claim 35 or 36, Before the purchase cash card payment step, A purchase cash card transaction contract notification step of informing the purchase cash settlement system of the brokerage company through the terminal when the purchaser and the seller perform a purchase cash card transaction contract; A notification of the purchase cash card transaction contract confirmation step of notifying the server of the financial institution of the contents of the purchase cash card transaction contract notified by the purchase cash settlement system of the intermediary company after the notification of the purchase cash card transaction contract; A notification of a purchase cash card transaction contract establishment step of notifying, by the server of the financial institution , that the notified purchase cash card transaction contract has been established to the purchase cash settlement system of the intermediary company; A purchase cash card transaction contract completion notification step of notifying the purchasing company and the selling company of the completion of the purchase cash card transaction contract notification step, wherein the purchase cash card transaction system of the intermediary company has been notified of the purchase cash card transaction contract; Payment method using a purchase cash card having a. The method of claim 35 or 36, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the intermediary company, that the purchase company has settled the purchase cash card after the purchase cash card payment step; A purchase cash card settlement start notification step of, after the purchase cash card settlement step, the purchase cash settlement system of the intermediary company notifies the server of the financial institution that the purchaser has paid with the purchase cash card; After the purchase cash card payment step, if the deposit of all or part of the cash to be paid by the purchaser is not made within a predetermined time period, the server of the financial institution does not deposit the payment to the purchase cash payment system of the brokerage company . A cash shortage notification step for notifying contents of the; A cash deposit request notification step of, after the cash shortage notification step, a purchase cash settlement system of the brokerage firm notifying the purchaser to deposit an undeposited amount notified in the cash shortage notification step; After the cash shortage notification step, if all or part of the purchase price paid by the purchasing company with the purchase cash card is not deposited even after a predetermined period of time has elapsed, the purchase cash settlement system of the brokerage firm is the server of the financial institution . And a cash deposit delay notification step of notifying the selling company that no cash has been received from the buying company. A cash deposit result notification step of notifying the purchase cash settlement system of the brokerage company that the server of the financial institution has received the cash after the cash deposit step; A payment preparation completion notification step of notifying that the purchase cash settlement system of the intermediary company is ready to make a payment to the selling company after the cash deposit step; A payment remittance result notification step of notifying the result of the payment remittance transfer by the server of the financial institution to the purchase cash settlement system of the intermediary company after the payment remittance step; A settlement payment remittance completion notification step of notifying, after the settlement payment remittance result notification step, that the purchase cash settlement system of the brokerage firm has remitted the settlement payment to the selling company; A payment payment completion notification step of notifying the completion of payment payment by the purchase cash settlement system of the intermediary company after the payment payment remittance result notification step; Payment method using a purchase cash card having any one or two or more. The method of claim 37, A purchase cash card payment completion notification step of notifying, by the purchase cash payment system of the intermediary company, that the purchase company has settled the purchase cash card after the purchase cash card payment step; A purchase cash card settlement start notification step of, after the purchase cash card settlement step, the purchase cash settlement system of the intermediary company notifies the server of the financial institution that the purchaser has paid with the purchase cash card; After the purchase cash card payment step, if the deposit of all or part of the cash to be paid by the purchaser is not made within a predetermined time period, the server of the financial institution does not deposit the payment to the purchase cash payment system of the brokerage company . A cash shortage notification step for notifying contents of the; A cash deposit request notification step of, after the cash shortage notification step, a purchase cash settlement system of the brokerage firm notifying the purchaser to deposit an undeposited amount notified in the cash shortage notification step; After the cash shortage notification step, if all or part of the purchase price paid by the purchasing company with the purchase cash card is not deposited even after a predetermined period of time has elapsed, the purchase cash settlement system of the brokerage firm is the server of the financial institution . And a cash deposit delay notification step of notifying the selling company that no cash has been received from the buying company. A cash deposit result notification step of notifying the purchase cash settlement system of the brokerage company that the server of the financial institution has received the cash after the cash deposit step; A payment preparation completion notification step of notifying that the purchase cash settlement system of the intermediary company is ready to make a payment to the selling company after the cash deposit step; A payment remittance result notification step of notifying the result of the payment remittance transfer by the server of the financial institution to the purchase cash settlement system of the intermediary company after the payment remittance step; A settlement payment remittance completion notification step of notifying, after the settlement payment remittance result notification step, that the purchase cash settlement system of the brokerage firm has remitted the settlement payment to the selling company; A payment payment completion notification step of notifying the completion of payment payment by the purchase cash settlement system of the intermediary company after the payment payment remittance result notification step; Payment method using a purchase cash card having any one or two or more of. Payment method using a purchase cash card having any one or two or more of. The method of claim 35 or 36, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. The method of claim 37, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. The method of claim 38, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. The method of claim 39, A membership registration step of designating one or more purchase payment accounts of financial institutions to be used for payment for purchases through the terminal from the purchaser and subscribing to the purchase cash payment system of the brokerage company as a member; An affiliated store registration step of designating one or more sales payment accounts of financial institutions to be used for payment of sales through the terminal from the seller and subscribing to the purchase cash settlement system of the brokerage company as an affiliated store; Payment method using a purchase cash card having a. The method of claim 35 or 36, Payment fee is A purchaser company compensation fee for compensating for the purchaser company to use the purchase cash card in a credit transaction to settle a transaction between companies; A system fee combining the purchaser's compensation fee and a fee for operating / maintaining the purchase cash settlement system; A financial fee that provides a discount to a financial institution when a purchaser with a credit card of a financial institution pays with credit through the purchase cash settlement system of the present invention using an existing purchase card, and the selling company receives a prepayment within a payment date. Wow; A server fee for operating / maintaining a server of a financial institution used to process financial transactions such as transfers when using the purchase cash card; Payment method using a purchase cash card, characterized in that it comprises any one or two or more. The method of claim 43, The system fee is Paying the brokerage company in an amount deducting the financial fee and the server fee from the payment fee; Payment method using a purchase cash card characterized in that. The method of claim 35 or 36, Settling the purchaser compensation fee, A method of uniformly applying the settlement rate of the purchaser's compensation fee to all purchasing companies; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the financial cash card transaction contract between the purchaser and the seller; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the creditworthiness of the purchasing company and the selling company; A method of flexibly applying the settlement rate of the purchaser's compensation in accordance with the number of transactions, types of goods, procedures, and amounts; Any one or more of the payment method using a purchase cash card, characterized in that can be applied.

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