KR100906433B1 - Settlement system in shopping mall and method therefor - Google Patents

Abstract

A shopping mall payment system and a method thereof capable of purchasing an exclusive purchase card to the purchasing fund of the product are provided to use an exclusive purchase card and supply a payment escrow service to the user by using the exclusive purchase card. A purchaser terminal(100) transmits purchase payment request information about a product which a user purchases by using an exclusive purchase card in a shopping mall server(400). A seller terminal(200) receives product delivery notification information from the shopping mall server. Temporary approval request information is transmitted from a card company server according to the transmitted purchase settlement demand information. In case a predetermined condition is satisfied, the card company server transmits the edge admission information to the shopping mall server.

Description

Settlement system in shopping mall and method therefor}

The present invention relates to a shopping mall payment system and a method thereof, and more particularly, to a seller by using a purchase-only card issued to a company in which an online shopping mall or the like is guaranteed for the soundness of financial status. By making a payment by a payment agent, a shopping mall or a payment agency relates to a shopping mall payment system and a method using a purchase-only card that can prevent various card payment-related risks while reducing card fees.

Conventional purchase funds cards issued by the Credit Guarantee Fund or commercial banks can be used on a large scale and can be used online or offline.

However, since the transaction amount is large in the use of the purchase funds card, it is generally required to set up a guarantee for credit limits such as guarantee insurance, which incurs a large amount of cost and requires a long and complicated process for setting up a guarantee such as credit inspection. Therefore, there was a limit to actually use.

In addition, the conventional purchase funds card generally did not support the installment transaction, there is a problem that the individual operators are difficult to be issued and the risk of card-related accidents in the offline exist.

The problem to be solved by the present invention is to solve the above problems, with the purchaser as a company, the company purchases a purchase-only card with the purchase price of the goods required by the company, such as resale products, raw materials, MRO, escrow ( Escrow) to provide a shopping mall payment system and a method for providing the service.

Another problem to be solved by the present invention is to solve the above problems, and whether or not the real transaction is completed by the shopping mall operator is confirmed again, and the buyer is a company, the transaction is made by the tax invoice, and the company stability is secured The present invention provides a shopping mall payment system and a method thereof.

Another problem to be solved by the present invention is to provide a shopping mall payment system and a method for sharing the bad debt between the parties involved by the credit reserve.

Another object of the present invention is to solve the above problems, to provide a shopping mall payment system and method that can check the real-time transaction history through the information communication network.

Another problem to be solved by the present invention is to solve the above problems, a fee reduction factor occurs due to the reduction of the risk of card accidents, the buyer pays the installment interest, installment payment, cashback service, etc. It is to provide a shopping mall payment system and its method that can enjoy the benefits of.

The present invention relates to a shopping mall payment system using a purchase-only card issued for a corporate member and dedicated to an online purchase function. The purchase payment request information for a product purchased using the purchase-only card for a product on a shopping mall is provided. A buyer terminal transmitting the payment approval information to the shopping mall server; A seller terminal receiving product delivery notification information from the shopping mall server; A shopping mall server that transmits the approval request information to the card company server according to the received purchase payment request information and receives the approval information; A card company server for transmitting approval information to the shopping mall server when a predetermined requirement is satisfied according to the received approval request information; And an information communication network connecting the buyer terminal, the seller terminal, a shopping mall server, or a card company server to each other.

Preferably, the buyer terminal is characterized in that it comprises a mobile payment function.

In addition, the payment agency receiving the payment request information from the buyer terminal transmits to the shopping mall server, and the payment agency server for receiving the product delivery notification information from the shopping mall server and transmits it to the seller terminal; It features.

In addition, preferably, PG (Paygate) server receives the approval request information from the shopping mall server and transmits it to the card company server, and receives the approval information from the card company server and transmits it to the shopping mall server; Characterized in that.

In addition, the purchaser terminal transmits the goods receipt confirmation information on the purchased goods to the shopping mall server, the shopping mall server transmits payment request information to the card company server and receives payment payment acceptance information received by the seller It further comprises a function for transmitting to the terminal.

Preferably, when the buyer terminal transmits the goods receipt confirmation information to the shopping mall server, the card company server transmits the payment price request information to the buyer terminal so that the buyer can deposit the purchase price. .

Meanwhile, the present invention relates to a shopping mall payment method using a purchase-only card issued for a corporate member and dedicated to an online purchase function, wherein (a) a purchaser terminal makes a purchase using the purchase-only card for a product on a shopping mall. Transmitting purchase payment request information about a product to the shopping mall server; (b) transmitting, by the shopping mall server, the approval request information to a card company server according to the received purchase payment request information; (c) transmitting the approval information to the shopping mall server when the card company server satisfies a predetermined requirement; (d) transmitting, by the shopping mall server, payment approval information to the buyer terminal, and sending product delivery notification information to the seller terminal; And (e) transmitting, by the purchaser terminal, the goods receipt confirmation information to the shopping mall server.

Preferably, the step (a), (a1) the buyer terminal transmits the purchase payment request information to a payment agency server, the payment agency server transmitting the purchase payment request information to the shopping mall server In addition, the step (d), (d1) the shopping mall server transmits the payment approval information to the payment agency server, and the payment agency information transmitted from the payment agency server to the buyer terminal and And transmitting the goods delivery notification information to the seller terminal.

Also, the step (b) may include: (b1) the shopping mall server transmitting the approval request information to the PG company server, and the PG company server transmitting the received approval request information to the card company server; In addition, the step (c), (c1) if the card company server satisfies a predetermined requirement transmits the approval information to the PG company server, the PG company server sends the received approval information to the shopping mall And transmitting to the server.

And preferably, after the step (e), (f) the shopping mall server transmitting the payment request information to the card company server; And (g) after the payment of the payment price to the seller is confirmed, transmitting the payment price request information to the purchaser terminal by the card company server.

According to the present invention, the purchaser as a company, the company purchases a purchase-only card with the purchase money of the goods required by the company, such as resale products, raw materials, MRO, and escrow (Escrow) services to reduce the risk of card accidents It is effective.

According to the present invention, whether or not the real transaction is completed by the shopping mall operator is confirmed again, and the buyer is a company, so the transaction is made by the tax invoice, and the transparency of the transaction is improved. It is effective.

According to the present invention, since the bad debts are shared between the parties by accumulating bad debts, there is an advantageous effect even when a card accident occurs.

According to the present invention, since the real-time transaction history can be confirmed through the information communication network, it is easy to confirm the parties involved and cancel the transaction.

According to the present invention, a fee reduction factor occurs due to a reduction in the risk of a card accident, and the buyer can enjoy benefits such as interest-free installment, installment payment, and cashback service by the fee reduction factor.

Before describing the details for carrying out the present invention, it should be noted that configurations that are not directly related to the technical gist of the present invention are omitted within the scope of not distracting the technical gist of the present invention.

In addition, the terms or words used in the present specification and claims are consistent with the technical spirit of the present invention on the basis of the principle that the inventor can appropriately define the concept of the term in order to explain the invention in the best way. It should be interpreted as meaning and concept.

Hereinafter, a purchase-only card according to the present invention will be described.

Purchase-only card according to the present invention is for online transactions only, is issued for enterprise members, and dedicated to the purchase function. It can be simply registered like a conventional credit card, a small payment is possible, and has a function of a conventional purchase card.

According to the purchase-only card, it is mandatory to issue a tax invoice when buying or selling between corporations or individual business owners in accordance with the current law, so that data on purchase and sales can always be grasped. In addition, payments can be made online between the head office and the dealer. By online payment, the head office makes it easier to collect the money than in the case of a foreign transaction, and since the branch office does not receive the goods after paying the cash, it is possible to make a stable transaction.

The purchase-only card is online only, because there are generally the following problems when paying for the card offline.

In other words, there is a risk of a card accident due to a processing transaction between a store and a buyer offline, and the risk of an accident due to theft card exists because the target product is acquired immediately after the card settlement. In addition, it is difficult to conduct business to secure card buyers, and only a transaction for a product held by a store selling the product is possible, but the product held is limited.

As described above, when the purchase-only card is dedicated to online transactions, there are advantages as follows.

That is, the seller and the buyer can easily register the product regardless of the place and time, without mutual interaction, and can easily purchase the transaction. In addition, when combined with an escrow service of a shopping mall, a safe sale or purchase is possible, and a payment terminal or a receipt paper is unnecessary, thereby reducing costs. In addition, since the trading parties can check the transaction history in real time, it is possible to respond quickly to card accidents, and even if the card is lost, the transaction is possible only after the security authentication is performed at the purchaser's terminal. This decreases. In addition, unlike the conventional corporate card, the purchase-only card can be purchased or installment purchase.

By real-time interworking with corporate credit rating agencies, online subscription, issuance, and usage can be changed in real time. When the limit increase is requested, the insurance insurance system is automatically executed and processed online in conjunction with the guarantee insurance system.

In the case of imported goods or custom-made goods or services, it is desirable to be able to select a fixed period of time at the time of purchase. After consultation between the buyer and seller, the card company approves the payment, and the payment is executed after the arrival of a fixed period or confirmation of the purchaser's receipt.

Hereinafter, a configuration of a shopping mall payment system according to an exemplary embodiment of the present invention will be described with reference to FIG. 1.

1 is an overall configuration of a shopping mall payment system according to a preferred embodiment of the present invention.

As shown in FIG. 1, a shopping mall payment system according to a preferred embodiment of the present invention is a purchaser terminal 100, a seller terminal 200, a payment agency server 300, a shopping mall server 400, and a PG (Paygate). The company server 500, the card company server 600 and the information communication network.

The purchaser terminal 100 is connected to the payment agency server 300 and transmits the purchase payment request information for the goods purchased using the purchase-only card according to the present invention for the goods on the online shopping mall, payment approval information Received, and receives the goods receipt confirmation information to the payment agency server 300.

The buyer may be set as a company that purchases a product, and the buyer terminal 100 may be set as a computer, a personal digital assistant (PDA) or a mobile phone of the buyer. The purchaser terminal 100 includes a mobile payment function for a purchase-only card according to the present invention so that a purchaser can make a payment even in the absence of a computer, and in particular, when the purchaser terminal 100 is set as a PDA or a mobile phone. It is true.

In addition, the seller terminal 200 is a computer of the seller to supply the product to the shopping mall to sell on the shopping mall, is connected to the payment agency server 300 receives the product delivery notification information received goods corresponding to the buyer It is possible to deliver, and receives payment payment information from the payment agency server 300.

In addition, the payment agency server 300 connects the shopping mall server 400 and the purchaser terminal 100 or the seller terminal 200 to each other, receives the purchase payment request information from the purchaser terminal 100 Sending the approval request information to the shopping mall server 400 and receiving the payment approval information and transmitting it to the buyer terminal 100, and if the product is delivered by sending the product delivery notification information to the seller terminal 200, the buyer Product receipt confirmation information is received from the terminal 100.

In addition, the shopping mall server 400 transmits the approval request information received through the PG company server 500 to the card company server 600 to receive the approval information according to the payment approval request information. Send and receive payment payment acceptance information accordingly.

The payment agency server 300 or the shopping mall server 400 preferably checks the actual transaction between the seller and the buyer. The real transaction check may be performed by automatically checking the IP address, ID, name, or past transaction details of the seller terminal 200 or the purchaser terminal 100.

As a place for providing merchandise display and transaction space between seller and buyer on-line, the shopping mall server 400 includes the following advantages.

The seller can reliably recover the merchandise sales price with a low fee. The purchaser can be provided with benefits such as an installment transaction of the purchase-only card, a free choice of payment period (for example, payment after 3 months), a cash back on the card fee of the purchase-only card, and an escrow service. . In addition, by sharing the liability, the card fee for the purchase-only card may be reduced, and the shopping mall server 400 may act as an agent.

The escrow service is a service that proceeds the payment process after confirming the receipt of the goods, by applying the purchase to the card company after confirming the receipt of the goods of the buyer and the seller pays the sale period now has the effect of a longer payment arrival period. In addition, it is possible to prevent a card accident due to a stolen card or a processing transaction when making an immediate payment. In case of canceling the transaction, it is possible to prevent the waste of resources required to approve or cancel the payment on the payment system and to reduce the system operation effort for payment or collection of payment.

Specifically, when the buyer attempts to pay the card after purchasing the product, the card company transmits the approval result to the shopping mall server 400. Notify the seller of the result of the approval. The seller ships the goods and confirms the buyer's receipt. The card company approves the payment and pays the seller the payment.

From the perspective of a shopping mall operator, it is easy to secure members and check member information without any extra effort. Specifically, it is possible to share information about the card company and the card issuer, it is possible to share information about the payment price by the partnership with the card company.

For example, in the case of an auction as one of the current shopping mall operators, if only the buyer holds the card, the transaction is possible, and the auction can benefit from the low card fee. The purchaser may use an additional service such as an installment service of the purchase-only card, a selection period of time, and an increase of a limit.

In the conventional auction that did not apply the purchase-only card, there was a possibility of the management of card accidents, and because it was not possible to do business related to card issuance to the seller, the card had to be opened and issued to the buyer.

In addition, from the standpoint of the shopping mall server 400, in the case of a lump sum payment, a provision for bad debts is possible. In the case of deferred payment, the buyer can be supported by paying a part of the buyer's fee or providing a cashback service.

In addition, the PG company server 500 mediates the exchange of approval request information, approval information, payment request information and payment payment acceptance information between the shopping mall server 400 and the card company server 600.

In addition, the card company server 600 transmits approval information to the shopping mall server 400 through the PG company server 500, and transmits payment payment acceptance information according to the received payment payment request information. .

In addition, the information communication network has a function of connecting the buyer terminal 100, the seller terminal 200, the payment agency server 300, the shopping mall server 400, the PG company server 500 or the card company server 600 with each other. Do this. The information communication network includes a wired internet network using a TCP / IP protocol and a wireless internet network using a WAP protocol.

Hereinafter, a shopping mall payment method according to a preferred embodiment of the present invention will be described with reference to FIG.

2 is a flowchart illustrating a shopping mall payment method according to an exemplary embodiment of the present invention.

First, as shown in FIG. 2, the purchaser terminal 100 transmits purchase payment request information by the purchase-only card to the payment agency server 300 (S1).

The payment agency server 300 monitors whether the processing transaction between the seller and the buyer.

Next, the payment agency server 300 transmits the approval request information (S2).

A detailed description of the step S2 is as follows.

The payment agency server 300 transmits the approval request information to the shopping mall server 400. The shopping mall server 400 transmits the approval request information to the PG company server 500. The PG company server 500 transmits the approval request information to the card company server 600.

Next, when the card company server 600 satisfies a predetermined requirement, the card company server 600 transmits the approval information to the PG company server 500, and the PG company server 500 transmits the approval information to the shopping mall server 400. (S3).

Next, the shopping mall server 400 transmits payment approval information to the payment agency server 300 based on the received approval information (S4).

The payment approval information of step S4 is transmitted to the purchaser terminal 100, and the payment agency server 300 transmits the product delivery notification information to the seller terminal 200.

Next, the seller delivers the goods to the buyer (S5). After the goods are shipped, the purchaser terminal 100 transmits the goods receipt confirmation information to the payment agency server 300.

Finally, the buyer pays the payment to the card company (S6).

The step S6 is specifically carried out in the following process.

The payment agency server 300 transmits payment payment request information to the shopping mall server 400. The shopping mall server 400 transmits payment payment request information to the PG company server 500. The PG company server 500 transmits payment payment request information to the card company server 600. The card company server 600 pays the payment to the PG company server 500. The PG company server 500 pays the payment price to the shopping mall server 400. The shopping mall server 400 pays the payment to the payment agency server 300. The payment agency server 300 pays the payment to the seller terminal (200). The card company server 600 transmits the payment price request information to the purchaser terminal 100 so that the payment price can be deposited to the card company.

Hereinafter, a procedure related to the purchase-only card application according to a preferred embodiment of the present invention will be described.

First, the shopping mall server 400 transmits corporate information inquiry request information to a separate corporate information provider (for example, corporate data company CRETOP). Company information lookup is used for the purpose of attracting buyer companies.

Next, the company information provider server transmits the company information search result information to the shopping mall server 400.

Next, the shopping mall server 400 performs a attracting business targeting the buyer terminal (purchase card holder) 100 based on the company information inquiry result information.

Next, the purchaser terminal 100 transmits the purchase-only card application information to the card company server 600.

Next, the card company server 600 transmits the company information providing request information to the company information provider server.

Next, the company information provider server transmits the company information inquiry result information to the card company server 600. The company information inquiry result information is used to refer to the company's card usage limit setting.

Next, the card company server 600 notifies the purchaser terminal 100 of the card usage limit for the purchase-only card.

Next, the purchaser terminal 100 transmits the warranty request information according to the increase or decrease of the card use limit or the card use limit to a separate guarantee insurance company server, and deposits the guarantee fee.

Next, the guarantee insurance company server transmits the warranty request information to the card company server 600.

Next, the card company server 600 transmits the final card usage limit information to the purchaser terminal 100 by using the warranty request information.

Next, the card company server 600 transmits the card issuing company information to the shopping mall server (400).

Finally, the card company server 600 transmits the card issuance acceptance information to the purchaser terminal 1000, the buyer is issued a card based on this.

Hereinafter, a detailed description of transaction conditions between specific trading parties in a shopping mall payment system according to an exemplary embodiment of the present invention will be given.

According to a preferred embodiment of the present invention, since the escrow service is supported between the trade agent and the buyer, it can perform the function of the import payment card, and the accident rate is negligible because the seller and the buyer pay under the surveillance of the shopping mall with the online purchase money. Therefore, the fee is low.

For example, a fee based on the settlement period is 2.2% for one month payment, 16% per year for a three-month installment transaction, and half-payment for three months later. The buyer will be free of charge for any repayment within 60 days.

The settlement agency receives 3.3% of the exclusive card payment fee from the seller, and if the buyer chooses to pay for one month, the bank charges 1.1% of the commission difference from the case of choosing to pay for three months.

As described above and described with reference to a preferred embodiment for illustrating the technical idea of the present invention, the present invention is not limited to the configuration and operation as shown and described as described above, it is a deviation from the scope of the technical idea It will be understood by those skilled in the art that many modifications and variations can be made to the invention without departing from the scope of the invention. Accordingly, all such suitable changes and modifications and equivalents should be considered to be within the scope of the present invention.

1 is an overall configuration of a shopping mall payment system according to an embodiment of the present invention.

2 is an overall flowchart of a shopping mall payment method according to a preferred embodiment of the present invention.

Claims (10)

In the shopping mall payment system using a purchase-only card issued for corporate members and dedicated to the online purchasing function, A purchaser terminal 100 transmitting purchase payment request information about the product purchased using the purchase-only card for the product on the shopping mall to the shopping mall server 400 and receiving payment approval information; A seller terminal 200 receiving product delivery notification information from the shopping mall server 400; A shopping mall server 400 transmitting the approval request information to the card company server 600 according to the received purchase payment request information to receive the approval information; A card company server 600 transmitting the approval information to the shopping mall server 400 when the predetermined requirement is satisfied according to the received approval request information; And Includes; information communication network for connecting the buyer terminal 100, seller terminal 200, shopping mall server 400 or card company server 600 with each other, The buyer terminal 100 is characterized in that it comprises a mobile payment function, Receives payment request information from the purchaser terminal 100 and transmits it to the shopping mall server 400, and receives a product delivery notification information from the shopping mall server 400 and transmits it to the seller terminal 200. Institutional server 300; characterized in that it further comprises, PG receiving the approval request information from the shopping mall server 400 and transmitting it to the card company server 600, and receiving the approval information from the card company server 600 and transmitting it to the shopping mall server 400. Paygate) server 500; characterized in that it further comprises, The payment agency server 300 or the shopping mall server 400 includes a function of checking the IP address, ID, name or past transaction details of the seller terminal 200 or the purchaser terminal 100. Payment system. delete delete delete The method of claim 1, The purchaser terminal 100 transmits the product receipt confirmation information about the purchased product to the shopping mall server 400, and the shopping mall server 400 transmits payment request information to the card company server 600 and pays the payment. The shopping mall payment system, characterized in that it further comprises a function for receiving the acceptance information and transmits it to the seller terminal (200). The method of claim 5, wherein When the purchaser terminal 100 transmits the product receipt confirmation information to the shopping mall server 400, the card company server 600 requests a payment price to the purchaser terminal 100 so that the purchaser can deposit a purchase price. Shopping mall payment system, characterized in that for transmitting information. In the shopping mall payment method using a purchase-only card issued for corporate members and dedicated to the online purchase function, (a) the purchaser terminal 100 transmitting the purchase payment request information on the goods purchased using the purchase-only card for the goods on the shopping mall to the shopping mall server 400; (b) transmitting, by the shopping mall server 400, the approval request information to the card company server 600 according to the received purchase payment request information; (c) transmitting the approval information to the shopping mall server 400 when the card company server 600 satisfies a predetermined requirement; (d) transmitting the payment approval information to the purchaser terminal 100 by the shopping mall server 400 and transmitting the product delivery notification information to the seller terminal 200; And (e) transmitting, by the purchaser terminal 100, the goods receipt confirmation information to the shopping mall server 400; The buyer terminal 100 is characterized in that it comprises a mobile payment function, In step (a), (a1) The purchaser terminal 100 transmits the purchase payment request information to a payment agency server 300, and the payment agency server 300 transmits the purchase payment request information to the shopping mall server 400. Further comprising; In step (d), (d1) The shopping mall server 400 transmits payment approval information to the payment agency server 300, and transmits the payment approval information received by the payment agency server 300 to the purchaser terminal 100. Characterized in that it further comprises; transmitting the product delivery notification information to the seller terminal 200, In step (b), (b1) the shopping mall server 400 transmitting the approval request information to the PG company server 500, and the PG company server 500 transmitting the received approval request information to the card company server 600; More; In step (c), (c1) If the card company server 600 satisfies a predetermined requirement, the approval information is transmitted to the PG company server 500, and the PG company server 500 transmits the received approval information to the shopping mall server 400. And transmitting to). Step (a1), (a2) the payment agency server 300 or the shopping mall server 400 checking the IP address, ID, name, or past transaction details of the purchaser terminal 100; Way. delete delete The method of claim 7, wherein After step (e), (f) the shopping mall server 400 transmitting the payment payment request information to the card company server 600; And (g) transmitting the payment request information to the purchaser terminal 100 by the card company server 600 after the payment of the payment price to the seller is confirmed; further comprising the shopping mall payment method.

Images