KR100836937B1 - Electronic Funds transfer/Point of Sales System and the Method thereof - Google Patents

Abstract

The present invention relates to a cashier's check direct debit service system and method, which combines a cashier's check real-time information exchange and VAN check inquiry service, the real-time professional response to the issuing bank using a VAN terminal, the cashier's check received by the credit card merchant The aim is to improve the circulation of cashier's checks, an important means of payment of the national economy, and to provide benefits to all participating banks, merchants and VAN operators. Merchant check direct debit payment service system according to the present invention configured for this purpose to provide a check information recognized through the VAN terminal having a check processing function to request payment and return the result, the merchant client; It consists of check issuance ledger database that stores check issuance details and accident information, and issuing bank server that is in charge of communication with the outside. Bank; It consists of a payment account database that stores payment account information of the merchant client and a bank server responsible for communication with the outside, and requests the issuing bank server for payment processing specially and informs the amount processed from the issuing bank server. Receiving and depositing a transaction bank in a merchant account of a merchant client; A VAN operator server which transmits the check information requested for payment from the VAN terminal to the transaction bank server and receives the result of the payment processing from the transaction bank server and returns the result to the VAN terminal; And a relay server which relays data transmission between the bank server and the issuing bank server.

Cashier's Check, VAN, Card, Merchant, Real Time, Information Exchange, Debit, Payment

Description

Electronic Funds Transfer / Point of Sales System and the Method

1 is a flow chart of a real-time information exchange service of a conventional cashier's check.

2 is a flowchart illustrating a conventional credit card transaction approval service.

3 is a check inquiry service flow through a conventional VAN terminal.

Figure 4 is a flow chart based on the network configuration of the cashier's check direct debit service system of the present invention.

5 is a flowchart illustrating a cashier's check direct debit service method of the present invention.

[Description of Symbols for Main Parts of Drawing]

10. Merchant Client 12. VAN Terminal

14. Check Recognizer 20. VAN Server

30. Bank Bank 32. Bank Bank Server

34. Payment Account Database 40. Payment Broker

42. Relay server 44. Database

50. Issuing Bank 52. Issuing Bank Server

54. Check Ledger Database

The present invention relates to a cashier's check direct debit service system and method, and more particularly, to a cashier's check received by a credit card merchant by organically combining cashier's check real-time information exchange and VAN check inquiry service. The present invention relates to a cashier's check direct debit service system and method for instant funding with real-time professional response.

In general, according to a recent survey by the Credit Finance Association, consumers preferred payment methods for purchasing goods and services such as credit cards (38%), cash and cashier's checks (28%), bank account online account transfers (10%), Internet banking (7%), etc., has been the most preferred since 1999 due to the government's policy to activate credit cards such as income deductions and the continuous increase in consumer finance (cash services). In addition, considerations when selecting a payment method are as follows: convenience (50%), usage fee (21%), security (17%), and so on. It is considered to be considered as the most important factor.

On the other hand, if you look at the usage of non-cash payment means in Korea, traditional payment methods such as bills, checks, and general transfers to banks are widely used, especially cashier's checks that are commonly used as substitutes for large amounts of cash in Korea. In particular, it is a distinctive feature that the use ratio of 100,000 won) is very high.

A cashier's check as described above is a check issued by the issuer (bank) as the payer himself, and the bank receives the same amount at the request of a third party, issues a check, and is responsible for payment of the check by the holder. .

Since 2003, the use of cashier's checks has been declining due to the trend of various convenient electronic financial means such as credit card, internet banking and phone banking.In the future, credit card, check card, internet banking and As new payment methods such as mobile phone payments develop and become more common, the demand for cashier's checks is expected to decrease.

However, despite the above-mentioned decline, cashier's checks have less restrictions on the means of use (e.g. merchants, terminals, PCs, etc.) than alternative payment methods such as credit cards. It is unlikely that cashier's checks will disappear in the short term because they are settled in the same payment method. It is expected to be used extensively in daily life as a substitute for large cash for a considerable period of time, at least until large cash is issued.

As described above, the conventional cashier's check information exchange method processes a large amount of cashier's checks with an information processing recognizer after the closing day and sends the check information to the issuing bank through the financial settlement agency, which is a payment relay. In this regard, it is divided into a real-time processing method of receiving a commission from a customer for a fixed amount cashier's check and inputting the cashier's check information to the terminal and exchanging the text with the issuing bank via the KFTC in real time. Since September 2002, the nationwide implementation of a cashier's check batch information exchange system has been implemented in real-time in August 2004 in order to reduce the burden of paper exchange for participating banks and to promptly fund customers. A cashier's check and real-time information exchange system is being implemented. The following describes the real-time check exchange system of cashier's check.

1 is a flowchart of a real-time information exchange service of a conventional cashier's check.

According to the real-time information exchange flow of the conventional cashier's check as shown in FIG. 1, when the customer presents the fixed amount cashier's check to the store, the store stores the check information by inputting the terminal to the presenting bank (step ①), and presenting the bank. The computer center transfers the full text of the store to the payment bank via the KFTC (step ②). The issuing bank then retrieves the full text from the check issuing ledger database and transfers the payment to the presenting bank through the KFTC (step ③), and the presenting bank computer center sends the full payment processing to the cashier. After that, the store will pay the customer cash (step ④).

On the other hand, the card VAN service is a service that allows the credit debit cardholders to relay and settle card transactions between banks or card companies when paying cards at merchants, and provide card payment approval and additional services. Here, the representative card VAN service is a credit card transaction approval and debit card transaction approval service, and a representative additional service is a check inquiry service that can query the presence of the cashier's check.

2 is a flowchart illustrating a conventional credit card transaction approval service.

As shown in FIG. 2, the conventional credit card transaction approval service requests a transaction approval by a merchant transmitting a credit card transaction history of a customer to a VAN operator through a VAN terminal (step 1 of FIG. 2; The VAN operator then verifies the received information and requests a transaction approval from the card company (step ②). Then, the card company verifies the received information and transmits the transaction approval result back to the VAN provider (step ③), and the VAN provider returns the received transaction approval result to the affiliated store (step ④). After that, the VAN operator prepares the purchase request for each merchant and transmits it to the card company (step ⑤), and the card company verifies the received purchase request and then deposits a transaction fee (step ⑥) on the corresponding merchant account. Meanwhile, the VAN operator collects and stores the sales slip from the affiliated store (step ⑦).

3 is a flowchart of check inquiry service through a conventional VAN terminal.

As shown in FIG. 3, according to the conventional check inquiry service, a merchant requests a inquiry by sending a check presented by a customer to a VAN operator through a VAN terminal (1 in FIG. 3; )do. At this time, the VAN operator sends the received information to the check issuing bank to request a check inquiry (step ②), and the check issuing bank verifies the received information and returns the check inquiry result to the VAN operator (step ③). do. The VAN operator sends the received check result to the merchant (step ④), and the merchant may receive or reject the presented check according to the check result.

As discussed above, cashier's checks are securities issued by banks based on the Check Act, which are checks issued by banks. In addition, the legal nature of the issuance of cashier's checks is that the bank receives the face value of itself as a payer, pays the issuer to the issuer, and pays the check when it is presented to the bank.

However, due to the nature of the securities, the check owner is often unable to receive check payments due to the forgery of loss. Most cash fraud checkers do not deposit money directly to the bank, but do not directly deposit it through banking or trading between individuals. Well-meaning merchants and businesses that receive cashier's checks for the goods will be damaged.

In addition, due to the above-mentioned reasons, merchants often refuse to accept cashier's checks, which not only acts as a limiting factor in the circulation of cashier's checks as a means of payment, but also causes inconvenience to people's economic activities. have.

In addition, the check processing task of the receiving bank also acts as a burden, and the cashier's check information exchange is a back-line operation involving the information processing task of the bank branch and the parent store, and it acts as a significant burden on the processing of deposit and lending, which is its own task. In particular, large retail stores deposit large amounts of cashier's checks on the next business day, which is causing a heavy burden on the banks, especially on the end of the day and the next business day.

The present invention was devised to solve the above-described problems. The present invention provides a real-time check to the issuing bank using a VAN terminal by combining a cash check real time information exchange and a VAN check inquiry service. The purpose of this paper is to provide a direct check payment service system and method for improving the distribution of cashier's checks, which are important payment methods of the national economy, by enabling immediate funding through professional responses.

In addition, another object of the technology according to the present invention is to immediately fund the cashier's check received by the credit card merchant by using a VAN terminal by instantly combining the cashier's check real-time information exchange and the VAN check inquiry service. In addition to improving the distribution of cashier's checks, it is possible to provide benefits to all participating banks, merchants and VAN operators.

The present invention configured to achieve the above object is as follows. That is, the cashier's check direct debit service system according to the present invention provides a check information recognized through the VAN terminal having a check processing function to request payment and return the result of the merchant client; It consists of check issuance ledger database that stores check issuance history and accident information, and issuing bank server which is in charge of communication with outside, and checks received from outside check issuing database after check is requested. Bank; It consists of a payment account database that stores payment account information of the merchant client and a bank server responsible for communication with the outside, and requests the issuing bank server for payment processing specially and informs the amount processed from the issuing bank server. A transaction bank that receives and deposits the payment account of the merchant client; A VAN operator server which transmits the check information requested for payment from the VAN terminal to the transaction bank server and receives the result of the payment processing from the transaction bank server and returns the result to the VAN terminal; And a relay server which relays data transmission between the bank server and the issuing bank server.

On the other hand, according to another aspect of the present invention, a cashier's check direct debit service method is a merchant client having a VAN terminal having a check processing function is connected to the VAN operator server by wire / wireless communication network, the VAN operator server is a transaction of the merchant client A bank server, a check issuing bank server, and a payment relay server connected to each other through a wired / wireless communication network, wherein the VAN terminal of the merchant client transmits the check information to the VAN operator server to request payment; Verifying the check information requested by the VAN provider server and transmitting the check information to request payment to the transaction bank server; The transaction bank server transmitting the check information to the issuing bank server according to the real-time information exchange processing procedure via the relay server; The issuing bank server inquiring the check issuance ledger and performing the payment processing, and then transmitting the processing result to the transaction bank server via the relay server; After the transaction bank server deposits the payment account of the merchant client, the VAN provider server notifies the processing result and the VAN provider server transmits the processing result to the VAN terminal of the merchant client.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the cashier's check direct debit service system and method of the present invention.

4 is a flowchart illustrating a network configuration of a cashier's check direct debit service system according to the present invention, and FIG. 5 is a flowchart for explaining a method for checking direct debit payment service according to the present invention.

As shown in FIG. 4 and FIG. 5, the direct debit check service system according to the present invention includes a check inquiry processing software embedded therein or an external check information recognizer (hereinafter, simply referred to as a "check recognizer"). The merchant client 10 having the connected VAN terminal 12 is connected to a server of a VAN provider by a Value Added Network (VAN) service network or a general-purpose wired / wireless communication network (hereinafter referred to as "VAN server"). Banks, for example, banks (30: presenting banks), issuing banks (50), payment relays (40), and the Bank of Korea (not shown) can be interconnected through a financial common network. The VAN server 20 is connected to the transaction bank server 32 through its own VAN service network.

In addition, the transaction bank 30 is provided with an account database 34 that stores payment account information of the transaction bank server 32 and the merchant client 10 that process communication with an external organization, and includes a payment relay institution ( 40 also includes a relay server 42 for relaying financial transactions with external institutions and a database 44 for storing data processed by the relay server 42, and the check issuing bank 50 is also external. An issuing bank server 52 which processes communications with an institution and an issuing ledger database 54 which stores check issuance details and accident (lost or stolen) information are provided.

In the configuration of the present invention as described above, the affiliated store client 10 is usually a large store that frequently uses cashier's checks, for example, a large store having a store area of 3,000 m 2 or more, and a large store such as department stores, large discount stores, and other large retail stores first. It is preferable to apply. In addition, as the check recognizer 12, it is preferable to use a MICR reading type recognizer for quickly and efficiently inquiring a cashier's check.

The VAN terminal 12 of the merchant client 10 recognizes the check information of the cashier's check presented by the customer using the check recognizer 14, and then checks the check information to the transaction bank server 32 through the VAN service network. Send the payment request. Then, if the full payment (rejection) processing transaction between the bank server 32 and the issuing bank server 52 is displayed on the VAN terminal 12 via the VAN service network, the manager of the merchant client 10 takes action according to the result. You can take

That is, if the payment is rejected, return the check to the customer, and if the payment is processed, the cashier's check received on the day after the checkmark is marked as "unusable" to prevent the loss or theft of the cashed check completed. Submit it to your bank. In addition, the manager of the merchant client 10 must thoroughly manage the cashier's checks that have been settled until the transaction is submitted to the bank to prevent an accident such as a check theft being paid.

Next, the VAN server 20 is a payment request and payment including the check information and merchant information between the VAN terminal 12 and the bank server 32 of the merchant client 10 to provide a cashier's check direct payment service ( Rejection) It plays a role of providing a service network so that the processing message can be transmitted and received. In this case, the VAN server 20 receiving the payment request from the VAN terminal 12 of the merchant client 10 has its own VAN connecting the VAN terminal 12 of the merchant client 10 and the transaction bank server 32. Send the full text to the relevant bank through the service network to request payment. In addition, it provides a service to be displayed on the VAN terminal 12 of the merchant client 10 the full payment (rejection) processing received from the transaction bank server 32.

Next, the transaction bank server 32 receiving the payment request from the VAN terminal 12 of the merchant client 10 passes to the issuing bank server 52 which is the paying bank via the relay server 42 from the presenting bank's point of view. Sending the full payment request, the issuing bank server 52 checks its own check ledger database 54 to confirm the accident, and then transfers the payment (rejection) to the presenting bank via the relay server 42. Send to bank server 32. Next, the transaction bank server 32 transmits the full text of the processing result such as check payment processing to the VAN terminal 12 of the affiliated client 10 through the VAN service network. The manager of the bank 30 then checks the cashier's check submitted by the merchant client 10 on the next business day, and if necessary, takes necessary measures such as returning funds, and the relay server 42 on the next business day. In accordance with the information exchange process, the Bank will make a difference payment.

On the other hand, according to the cashier's check direct payment service method according to the present invention, when the check is presented by the customer as a payment method, the merchant client 10 receives a check issuance number through a keypad provided in the VAN terminal 12 or check recognizer 14. Scan the check through and recognize the check information such as the check generation number and issuing bank, and then transfer the check information thus recognized to the VAN server 20 to request payment (step ① of FIG. 4; step S10 of FIG. 5). do. Then, after receiving the request, the VAN server 20 requests the payment to the merchant bank server 32 of the affiliated store after verifying the received information (step 2 of FIG. 4; step S12 of FIG. 5), and then the trading bank. The server 32 presents the check information (3 in FIG. 4; step S14 in FIG. 5) to the issuing bank server 52 of the check via the relay server 42 according to the real-time information exchange processing procedure.

Next, the issuing bank server 52 checks the check information thus presented in the check ledger database 54 and checks whether it is normally issued or whether it is an accident (lost or stolen). ), Payment processing (4 in FIG. 4; step S16 in FIG. 5) is performed to the transaction bank server 32. Next, the transaction bank server 32 inquires the payment account database 34 upon receipt of such payment processing, and deposits the amount paid to the payment account of the merchant client 10 (⑤ in FIG. 4; Step S18). Subsequently, the transaction bank server 32 transmits the deposit processing result (or the deposit rejection result) to the VAN server 20 (6 in FIG. 4; step S20 in FIG. 5), and the VAN server 20 is again a merchant client. The processing result is transmitted to the VAN terminal 12 of (10) (7 in FIG. 4; step S22 in FIG. 5).

Meanwhile, the above-described relay server 42 requests the Bank of Korea server (not shown) the following day for presentation, payment history and difference payment information obtained in the pass-through procedure and stored in its database 44 (8 in FIG. 4). Step S30 of Fig. 5). Furthermore, the manager of the affiliated client client 10 stamps the received check "unusable" rubber stamp and submits it to the bank 30 on the next business day (9 in FIG. 4; step S32 in FIG. 5).

The cashier's check direct debit service system of the present invention as described above may be established by interlocking a cashier's check real-time information exchange system established between a service network of a VAN operator that is already established and a clearing bank participating bank. The system of the present invention creates a direct debit payment request message separate from the check inquiry full text currently implemented in the card VAN service, and transmits the full text to the bank server 32 of the merchant client 10 by the VAN operator. Since the bank server receives the full debit payment (rejection) processing from the issuing bank server 52 through the real-time information exchange network and processes it in a way that the bank server pays the transaction account of the merchant client 10, a separate network is not required. do.

The cashier's direct debit service system and method of the present invention is not limited to the above-described embodiments, and various modifications can be made within the scope of the technical idea of the present invention.

According to the system and method of direct debit check service of the present invention as described above, first, the convenience of cashier's check payment, which is an important payment method of the national economy, and the stability and efficiency of the payment system are improved, thereby improving the circulation of the cashier's check. It can be improved.

In addition, participating banks can reduce the burden on counter services, labor and cash costs for cashier's checks, and improve customer service for large stores such as department stores and large retail stores. Merchants, such as large retailers, can also eliminate the risk of loss of payouts due to accident checks, which can lead to flexible fund management and profits. Lastly, VAN operators have the advantage of increasing commission income.

Claims (9)

An affiliated client client providing check information recognized through a VAN terminal having a check processing function, requesting payment and returning a result; It consists of a check issuance ledger database that stores check issuance details and accident information and an issuing bank server that communicates with the outside, and performs check processing after checking the check information requested from the outside from the check issuing ledger database. Issuing bank; Comprised of a payment account database that stores payment account information of the merchant client and a transaction bank server in charge of communication with the outside, requesting the issuing bank server for payment processing specially, and the amount processed from the issuing bank server Receiving a computerized transaction bank for depositing in the payment account of the merchant client; A VAN operator server that transmits the check information requested for payment from the VAN terminal to the transaction bank server, receives a result of the payment processing from the transaction bank server, and returns the result to the VAN terminal; And It consists of a relay server for relaying data transfer between the bank server and the issuing bank server, the VAN terminal is connected to a check reader of the MICR reading method is read check information by the check recognizer, The merchant client is a client installed in a large sales office such as a department store, a large discount store and a large retail store having a store of a predetermined reference area or more, the cashier's check direct payment service system, characterized in that the cashier's check. delete delete delete A merchant client having a VAN terminal having a check processing function is connected to a VAN operator server by a wired / wireless communication network, and the VAN provider server is connected to a banking server, a check issuing bank server, and a payment relay server of a merchant client. Connected through a wireless network, (A) the VAN terminal of the merchant client to send the check information to the VAN operator server to request payment; (b) verifying the check information requested by the VAN provider server and transmitting the check information to request payment to the transaction bank server; (c) the transaction bank server transmitting the check information to the issuing bank server according to a real-time information exchange processing procedure via the relay server; (d) inquiring the check issuing ledger by the issuing bank server and performing the payment processing, and transmitting the processing result to the banking server via the relay server; (e) the transaction bank server notifying the VAN operator server of the processing result after depositing the payment account of the merchant client; And (f) the VAN operator server is configured to transmit the processing result to the VAN terminal of the merchant client, The VAN terminal is connected with a check reader of a MICR reading method, and reads check information by the check recognizer, and the affiliated client client is a client installed in a large branch office such as a department store, a large discount store, and a large retail store having a store of a predetermined reference area or more. And the cashier's check is a cashier's check. delete delete The direct debit payment service of claim 5, wherein the payment relay server further comprises requesting the next day payment to the Bank of Korea server based on the information obtained in the payment request and payment processing relay process. Way. delete

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