KR100955625B1 - A member store finance transactions method and the apparatus thereof - Google Patents

Abstract

PURPOSE: A member store financial transaction method and an apparatus thereof are provided to perform a financial function between a member store account and a client account using a double card, thereby enabling clients to have financial transactions without respect to time and place. CONSTITUTION: A double card(110) comprises an account information and deposit/withdrawal function of a client, a charge payment function, an account transfer function and a credit card function. A card terminal(120) stores member store account information. The card terminal processes either one of a deposit function, a charge payment function, a withdrawal function or an account transfer function. If the deposit function is selected, the card terminal transfers money corresponding to deposited money from a member store account to a client account.

Description

Merchant financial transaction method and apparatus therefor {A MEMBER STORE FINANCE TRANSACTIONS METHOD AND THE APPARATUS THEREOF}

The present invention relates to a method and apparatus for easily performing a financial transaction using a double card, and more specifically, to a financial transaction such as deposit and withdrawal, purchase of goods or services, and account transfer from a neighboring merchant using a double card. The present invention relates to a merchant financial transaction method and apparatus capable of performing financial activities whenever and wherever using a card.

In general, a credit card merchant acquires card information from a cardholder's card, transmits the card information to a card issuer through a network such as a VAN, and the credit card company approves it, providing the authorization to the merchant. It is a form.

Merchants who can buy credit only performed credit transaction services with credit card companies and credit purchases. To receive services from the Ministry of Finance, such as bank transfer, you must use the bank's ATM terminal or the bank's common network terminal (aka 'Nice') installed in the subway station. did.

In order to transfer the deposit through such an ATM terminal, the bank or the bank network terminal had to go directly to the place where the terminal is installed, and there is a problem that the money transfer service cannot be received after the service time has elapsed.

Financial transactions that currently do not seek banks include Internet banking, tele (phone) banking, mobile phone chip banking, bank storage, automatic teller machines, cyber banking, electronic payment systems, and firm banking. The most similar system is an automatic cash dispenser that can deposit cash directly. This is an unmanned machine, which is used for crime and requires knowledge.

In addition, since the bank joint network terminal (Nice) is not possible to deposit cash, not only do you have to visit a bank to make a deposit, but also have to go directly to a bank or a place where a bank joint network terminal is installed in order to deposit and withdraw a small amount. Uncomfortable.

In addition, ATM terminals that are not available for other transactions are mainstream, and many ATMs that have withdrawal and withdrawal restrictions that can be withdrawn even if other bank transactions are possible. ATMs are expensive in terms of machinery, installation and maintenance. There is also a problem of having to load a lot of money and a high fee rate.

And another check card is a problem that must be deposited directly into an automated terminal or a bank in order to recharge, which is not easy to use due to time and place conditions.

In order to solve this problem, the present invention uses a double card having a financial function such as a credit card function and withdrawal and withdrawal, financial transactions such as deposit and withdrawal, account transfer, utility bills, and merchandise purchase or credit at a merchant or convenience store. It is an object of the present invention to provide a merchant financial transaction method and a device capable of simultaneously processing card functions and the like.

Another object of the present invention is to provide a merchant banking transaction method and apparatus for using a bank account, a credit card, or a cash service function when the balance is insufficient when performing a financial transaction function such as deposit and withdrawal and transfer.

The merchant financial transaction method of the present invention using the customer's account information and deposit and withdrawal function, account transfer and credit card function to achieve this purpose, if the deposit function is selected as the card terminal of the merchant through the card terminal Checking the balance of the merchant account through the bank joint network with the deposit amount and the account information of the customer; in the step, if there is a balance corresponding to the deposit amount in the merchant account, the deposit amount from the merchant account to the account of the customer If the balance corresponding to the deposit amount in the merchant account is insufficient in the step of transferring and corresponding to the amount of money in the step, and deposits more than the insufficient amount of money in the merchant account, and then transfer from the merchant account to the customer's account This can be done by including All.

In the step, if the balance corresponding to the deposit amount in the merchant account is insufficient, the deposit function step is terminated, and the merchant account is carried out without depositing or depositing the bank account, and then performing the first step again. .

In addition, in the merchant banking transaction method using the customer's account information and withdrawal function, payment, account transfer and credit card function of the present invention, if the goods purchase function is selected as the card terminal of the merchant through the card terminal Checking the balance of the customer account through the bank joint network the purchase amount and the customer account information applying the merchant discount rate, if the balance corresponding to the purchase amount in the customer account in the step in the customer account Transferring the funds corresponding to the purchase amount to the merchant account; and if the balance corresponding to the purchase amount is insufficient in the customer account in the step, the depositing step of depositing more than the amount of money in the customer account is insufficient. Then transfer the purchase amount from the customer account to the merchant account Or by using the credit card function to settle the purchase price.

In the step of paying the purchase amount with a credit card function, the balance of the customer's account is first transferred to the merchant account, and only the insufficient amount is credited or the entire purchase amount is characterized by credit card processing.

In addition, the merchant payment method of the present invention using the customer's account information, withdrawal function, account transfer and credit card function, the amount to be withdrawn through the card terminal when the withdrawal function is selected as the card terminal of the merchant Checking the balance of the customer account through the bank joint network with the account information of the customer; if the balance corresponding to the withdrawal amount exists in the customer account in the step, the amount corresponding to the withdrawal amount from the customer account to the affiliated store account; In the step of transferring a cash source, and if the balance corresponding to the withdrawal amount in the customer account is insufficient in the step, converting the double card to a credit card function to perform a withdrawal function.

In the step, if the balance corresponding to the withdrawal amount is insufficient in the customer account, after outputting a warning message indicating that the withdrawal balance is insufficient, it is determined whether to withdraw money using the credit card function. The double card is converted to a credit card function to perform a withdrawal function.

In addition, in the merchant banking transaction method of the present invention using a customer's account information, deposit and withdrawal function, account transfer and credit card function, (a) if the account transfer function is selected as the card terminal of the merchant, the card terminal Checking the balance of the customer account through the bank common network information necessary for the transfer such as transfer bank, deposit account, transfer amount, etc. through the bank common network, the balance corresponding to the transfer amount in the customer account in the step If there is a transfer of the amount of money corresponding to the withdrawal amount from the customer account to the merchant account, and performing the transfer of the transfer amount from the merchant account to the transfer bank; and in the step in the transfer amount to the customer account If you do not have enough funds, you will be required to deposit more than one trillion won into the customer's account. After performing the deposit step may be made to perform the transfer to the transfer bank the transfer amount from the customer account to the merchant account.

In the step, if the balance corresponding to the transfer amount is insufficient in the customer account, the end of the account transfer function step, and perform the step of depositing the bank account or the account transfer to the customer account and then performing the first step again. It is done.

In addition, the merchant financial transaction apparatus of the present invention stores the customer's account information, withdrawal function, payment, account transfer, credit card function and the like, and double card and merchant account information and through the bank common network The card may be configured to include a card terminal configured to enable the financial function between the merchant account and the customer account.

When the deposit function is selected in the card terminal, the card terminal transfers the funds corresponding to the deposit amount from the merchant account to the customer account through the bank common network, and when the payment function is selected in the card terminal, the card. The terminal may allow the bank to transfer the funds corresponding to the deposit amount to which the discount rate of the corresponding merchant is applied from the customer account to the merchant account.

If there is not enough money to be transferred to the customer account, the double card can be switched to a credit card function to make a payment. When the withdrawal function is selected in the card terminal, the card terminal corresponds to the withdrawal amount through the bank common network. When the account is transferred from the customer account to the merchant account, and the account transfer function is selected in the card terminal, the card terminal first transfers a cash equivalent corresponding to the amount of the account transfer through the banking network from the customer account to the merchant account. The bank transfers the funds to the bank account and transfers the final transfer amount from the merchant account to the bank.

In addition, in the merchant banking transaction method using the customer's account information and deposit and withdrawal function, payment, account transfer, credit card function and utility bill payment function, when the utility bill payment function is selected as the card terminal of the merchant When the utility bill payment function is selected in the above step, the utility bill scans the utility bill paper, and reads the billing information printed on the utility bill paper from the data scanned by the utility bill paper and exchanges billing information with the bill payment system. A check step, checking the balance of the customer account through the bank joint network with the payment amount received in the reading step and the customer's account information; and in the balance checking step, there is a balance corresponding to the payment amount in the customer account In case of payment, the payment amount is charged to the utility billing bank. If the balance corresponding to the payment amount is insufficient in the customer account in the step of transferring the corresponding cash source, and in the transfer step, deposit a more than the insufficient amount of money in the customer account, and then transfer from the customer account to the utility billing bank. And a step of outputting the result of the transfer and an image of the scanned giro paper through a receipt output unit.

In addition, the method of depositing the insufficient funds can be processed by performing a deposit step, the account transfer or credit card function to the customer account through the double card and the card terminal.

As described above, according to the merchant financial transaction method and apparatus of the present invention, a double card can be provided with a deposit and withdrawal function, a payment function, an account transfer function, and a credit card function, so that the financial transaction required by the customer through the card terminal of the merchant is provided. By making it possible, you do not have to go directly to the place where the bank or bank network terminal is installed for the necessary financial transactions or payment, such as deposit, withdrawal, and account transfer. In addition, there is an effect that you can use the bank transfer or credit card function.

In addition, the use of these double cards reduces the bank's work, increases the savings rate, and merchants increase their sales by frequently using their stores, increase customer loyalty and brand awareness, and through merchant discounts or service competition, You can buy and receive services at the lowest possible price. In addition, preschoolers, foreigners, machinery, the elderly, the disabled, and those without knowledge can easily make financial transactions. In addition, in the case of a credit or debit card transaction, the payment will be made to the merchant a few days later, but it will be immediately deposited to the merchant bank account. Many ATM machines do not accept transfers or withdrawals. Since credit and debit cards go through vans, merchants must pay fees to vans and card companies, but they can offer discounts or benefits directly to customers without paying a double card system.

In addition, the amount of money required to replace the machine for interlocking new bills is reduced, and it is not only easy to cope with the new system quickly, but also can be used as a promotional method due to frequent visits of the customers to merchants.

The terms or words used in this specification and claims are not to be construed as limiting in their usual or dictionary meanings, and the inventors may properly define the concept of terms in order to best explain their invention in the best way possible. It should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Definitions of terms used below are as follows.

"Double Card" means a customer's card that can be used like a credit card and a check card at a merchant, having a deposit and withdrawal function, a payment function, a bank transfer function, a utility bill storage function, and a credit card function through a common bank network.

The double card records the customer identification information necessary for financial transactions-resident registration number, customer number, mobile phone number, account number, financial institution name, expiration date, name, and the like.

"Financial function or financial transaction" means the deposit and withdrawal function, the payment function, the account transfer function, and the credit card function that can be performed through the bank's common network and the settlement system of each account.

Hereinafter, a merchant payment device according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a view showing an example of a merchant financial transaction apparatus according to an embodiment of the present invention, the merchant payment device of the present invention is a double card 110, card terminal 120, credit card payment system 130 , Merchant account settlement system 140, and comprises a customer account settlement system 150.

The double card 110 is composed of a card having a customer's account information including the customer's identification number and financial transaction functions such as deposit and withdrawal function, payment, account transfer and credit card function.

The credit card payment system 130 refers to a system that is settled when performing a credit card function using an ATM terminal or a bank common network terminal (aka 'Nice') of a normal bank. Since the credit card payment system 130 is a general function, a detailed description thereof will be omitted.

Merchant account payment system 140 and customer account payment system 150 is configured to interwork with each payment system so that the financial transactions between the customer account and the merchant account with the double card 110 through the network network 170, the bank common network. do.

That is, when a financial transaction occurs between the merchant account and the customer account, the merchant account payment system 140 and the customer account payment system 150 are linked with the merchant account received by the card terminal 120 and the bank in which the customer account is opened. To make a financial transaction from the customer account or from the customer account to the merchant account or from the merchant account to another account.

The utility bill payment system 160 is configured to make a payment from the customer account of the customer account payment system 150 to the optical bill storage bank when the utility bill is to be paid by the double card 110 through the network network 170 which is the bank common network. do.

Card terminal 120 is a terminal that can be computerized transactions through the network network 170, such as deposit and withdrawal function, payment function, account transfer function, credit card function and utility bill payment function, between the merchant account and the customer account , Input device 122 for inputting data required for credit card function or utility bill payment and selecting the corresponding function in financial transactions between other accounts, and display device 124 for displaying inquiries such as transaction details, various controls Generates a signal, processes the scanned data to read the billing information printed on the utility bill paper, and outputs a reading device 126 configured to exchange payment information with the financial institution system and the transaction history when the corresponding financial transaction or utility bill is received. It can be configured to include a receipt output unit 128.

Since the reader 126 and the receipt output unit 128 can be implemented using a general configuration, a detailed description thereof will be omitted.

To this end, the card terminal 120 stores merchant account information and the like, and when the customer's double card 110 is read, the customer's identification information and the merchant account information are respectively stored in the customer's account through the bank network 170. It is configured to transmit to the payment system 150 and merchant account payment system 140 so that a financial transaction can occur.

For example, if the deposit function is selected through the input device 122, the balance status request for the merchant account stored in the card terminal 120 is transmitted to the merchant account payment system 140 through the network 170 to the corresponding merchant account. The balance is checked and displayed on the display device 124, and then, in the merchant account of the merchant account payment system 140, the cash equivalent corresponding to the deposit amount to the customer account of the customer account payment system 150 read by the double card 110 in the merchant account ( (If there is a fee).

In addition, if the withdrawal function is selected through the input device 122, the balance status request for the customer account read from the double card 110 is transmitted to the customer account settlement system 150 through the network 170, the corresponding customer Check the balance of the account and display it on the display device 124, and then the money (including fees) corresponding to the withdrawal amount is transferred from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140. It works.

In addition, when the payment function is selected through the input device 122, the balance status request for the customer account read from the double card 110 is transmitted to the customer account settlement system 150 through the network 170. Check the balance of the customer account and display it on the display device 124, and then from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140 (Fee) (If there is one) is operated to transfer. At this time, if there is a discount in the merchant terminal can be applied automatically.

In addition, when the account transfer function is selected through the input device 122, the balance status request for the customer account read from the double card 110 is transmitted to the customer account settlement system 150 through the network 170. Check the balance of the customer account and display on the display device 124, and then transfer the transfer amount (including fee if there is a fee) from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140 1 After the transfer, the input device 122 receives information necessary for bank transfer-a bank, an account number, etc.-and transfers a transfer amount (including a fee if there is a fee) from the merchant account to the corresponding transfer bank.

In this case, the order can be reversed. If the account number to be transferred is wrong, there may be a problem of having to withdraw again. Therefore, in order to reduce this error, the account number of the bank to be transferred is input first, the information of the other party can be checked, and then the account transfer step can be performed.

In addition, when the financial transaction is made through the input device 122, the insufficient funds may be deposited separately or a credit card function may be used.

In addition, the input device 122 may change the discount rate of the affiliated store from time to time or immediately apply or reserve the use of the reserve to make payment for the item price applied to the discount or reserve.

Normally, the card can only benefit from affiliated merchants, but this method allows additional discounts or credits to be directly received at the merchant card terminal itself when paying for goods or services with the card.

For example, after inputting a reserve or discount rate registration or correction function in the card terminal 120 itself, if the corresponding function is selected in the input device 122, the discount rate or reserve rate% is input.

Specifically, when purchasing a 10,000 won goods and services, the merchant owner will apply a 10% discount to a 1,000 won discount, and a 5% discount to apply a 500 won discount.

In this case, the user reads the double card 110 and requests a payment from the terminal applying 10% discount and inputs the principal (10000 won), and the discount amount (1000 won) is applied so that the actual payment amount is 9000 won.

Alternatively, if the reserve function is selected, the discounted 1000 won is accumulated as a reserve on the corresponding double card after payment of the principal (10000 won).

In order to carry out the present invention, first, the customer's account information, withdrawal function, account transfer and credit card function and payment function to create a double card, and through the card terminal 120 of the merchant network network 170 network Through the network network 170 to establish a system so that financial transactions can occur by transmitting the customer identification information and merchant account information to the customer account settlement system 150 and the merchant account settlement system 140 to enable computerized transactions through the network 170. By establishing a credit card payment system 130 through a double card 110 to build a system to perform a credit card function (S210).

Hereinafter, a merchant payment method will be described in detail with reference to the drawings.

Figure 2 is a flow chart for explaining the deposit step of the present invention, if a financial transaction system using a double card is established in step S210 when the customer visits the merchant to present the double card 110 and present the deposit amount (S211) The card terminal 120 reads the double card 110 and transmits the identification information of the customer to the customer account payment system 150 through the network network 170 which is a bank common network, and the deposit amount and the merchant account number are the merchant account payment system. Transmit to 140 (S212).

 In step S213, if the merchant account payment system 140 checks whether the funds corresponding to the deposit amount-if there is a fee-remain as a balance in the bank of the merchant account, if there is a balance, the merchant of the merchant account payment system 140 The funds corresponding to the deposit amount are transferred from the account to the customer account of the customer account settlement system 150 (S214).

In addition, in step S213, if there is not enough balance in the merchant account or not, it is indicated through the display device 124 whether or not to deposit the necessary funds in the merchant account (S215), and in step S215, the user selects the deposit through the input device 122. If the payment step is performed (S216) and then transfer from the merchant account to the customer account in step S214.

In step S213, if the deposit step is not performed to the merchant account, the process may be terminated.

On the other hand, the present invention has been described as performing the deposit step (S216) and then performing the transfer step (S214) if there is not enough balance in the merchant account (S216), but if there is not enough balance in the merchant account or ends all merchants After depositing into the account, the depositing step of the present invention using a double card may be performed from the beginning, and the depositing step of step S216 may be deposited into a merchant account using a passbook deposit or an account transfer or a credit card function. Of course.

In addition, in steps S211 and S212, the double card 110 is used and the information corresponding to the deposit in the card terminal 120 is read through the double card 110. However, in steps S211 and S212 of the present invention, the double card is read. Of course, it is possible to input the relevant information through the input device 122 of the card terminal 120 without having a possession.

That is, in the depositing step, since the deposit is possible only by knowing the bank and the account number to be deposited, it is not necessary to input information through the reading of the double card 120.

In addition, after purchasing goods or services at the merchant, the remaining balance can be deposited in the customer's account through the above-mentioned deposit step. Therefore, in order to deposit the balance, the bank or bank network terminal must be visited directly. Not only is there a need for a 24/7 merchant to easily deposit money or balances for goods or services.

Hereinafter, the purchase of goods or services of the present invention with reference to the drawings.

3 is a flow chart for explaining an article or service purchase step of the present invention, a customer visits an affiliated store to present a double card 110 and purchases an article or service with the input device 122 of the card terminal 120. At the same time as inputting the goods or service amount is selected, the purchase amount applied to the discount rate of the affiliated store is displayed (S220).

When the purchase amount is input in step S220, the card terminal 120 checks whether the money amount corresponding to the purchase amount to which the merchant discount rate is applied to the customer account of the customer account settlement system 150 remains in the balance through the network of the bank common network 170. If it is determined in step S221 that the balance remains in the customer account in step S221, it is operated to transfer from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140 (S222).

If it is determined in step S221 that the balance for the purchase amount is insufficient or insufficient, it is determined whether to deposit the funds for the purchase amount into the customer account (S223), and if it is determined that the payment is made in step S223, the deposit is made to the customer account (S223). S224), if it is determined that no payment is made, it is determined whether to purchase goods or services using the credit card function (S225), and if it is determined in step S225 that the goods or services are purchased using the credit card function, the purchase is made in step S226. With regard to the amount of money, it is determined whether the credit card will be processed only for the amount corresponding to the remaining balance and lack of the customer's account.

If it is determined in step S226 that only credit card processing is insufficient, in step S227 credit card or cash advance purchase processing in step S227, and in step S222 from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140. It is operated to transfer.

If it is determined in step S225 that the purchase of goods or services is not processed by the credit card, all the steps are terminated, and when it is determined in step S226 that the shortage is not purchased by the credit card, all the amount is processed by the credit card or the cash service S228).

On the other hand, even if the goods or services in the purchase phase of the present invention is insufficient or there is no balance in the merchant account (S224) and then described as performing the account transfer step (S222), but if there is not enough balance in the customer account After completing all steps and depositing a customer account, the purchase of goods or services of the present invention using a double card may be performed from the beginning, and the depositing step of step S224 may be made using a bank account or a bank transfer or a credit card function. Of course, it can be deposited into a customer account.

In the case of purchasing goods or services like this, by using the double card, not only the purchase of goods or services through real time account transfer but also the use of the credit card function can be used conveniently according to the customer's circumstances. It is.

Hereinafter, withdrawal steps and credit card functions of the present invention will be described with reference to the drawings.

4 is a flow chart for explaining the withdrawal step of the present invention, the customer visits the merchant to present the double card 110 and select the withdrawal function to the input device 122 of the card terminal 120 and at the same time withdrawal amount ( And if there is a fee) (S230).

The card terminal 120 checks the balance in the customer account of the customer account payment system 150 through the network information network 170 and the bank account network information about the withdrawal amount of the customer (S231).

If there is a balance corresponding to the withdrawal amount in the customer account in step S21, the bank account network transfers from the customer account of the customer account payment system 150 to the merchant account of the merchant account payment system 140 through the network 170; (S232).

When the transfer is completed to the merchant account, the merchant is to pay the cash equivalent to the withdrawal amount to the customer (S233).

 If the amount of money in the customer's account is insufficient in step S231, a warning message " Insufficient balance remaining " is displayed on the display device 124 (S234) and the customer wants to make a payment using the credit card function. In case (S235) by switching the double card 110 to the credit card function to perform a credit card payment or cash service through the credit card payment system 130 (S236), the customer does not want the credit card function in step S235 If not, you can end the step.

The warning message in step S234 is merely an example, and the present invention is not limited thereto, and it is sufficient if the merchant owner or the customer can recognize the message or display that the balance is insufficient.

In addition, when the balance is insufficient in step S231 of the present invention, it was described that the cash service can be provided by the credit card function, but even when using the credit card function, the balance remaining in the customer's account is performed by account transfer and only the insufficient credit card function You can also use

Since this process can be performed only if an agreement is made between the customer and the merchant in the credit card payment step, a detailed description thereof will be omitted.

Therefore, the double card can be used to withdraw money as well as withdrawal function, so you do not have to go directly to the place where the bank or the bank's common terminal is installed to withdraw money. Anyone can easily use the withdrawal and / or credit card functions.

Hereinafter, with reference to the drawings will be described in the account transfer step of the present invention.

5 is a flow chart for explaining the transfer step of the present invention, the customer visits the merchant to present the double card 110 and select the account transfer to the input device 122 of the card terminal 120 and at the same time transfer Enter the required information-transfer bank, deposit account, transfer amount, etc. (S241).

In step S241, through the card terminal 120, information necessary for the transfer such as the transfer bank, the deposit account, the transfer amount, and the customer's account information, the network network 170 of the bank common network through the customer account settlement system 150 of the customer account Check the balance (S242).

In step S242, if there is a balance corresponding to the transfer amount (including a fee if there is a fee) in the customer account, the first transfer of the credit amount corresponding to the transfer amount from the customer account to the merchant account through the merchant account settlement system 140 In operation S243, the merchant bank performs the final transfer of the transfer amount from the merchant bank to the transfer bank to be transferred.

When the balance corresponding to the transfer amount is insufficient in the customer account in step S242, it is determined whether or not to deposit more than the amount of money that is insufficient for the transfer into the customer account (S244). The transfer amount is transferred from the account to the merchant account and the transfer amount is transferred from the final merchant account to the bank to be transferred by the customer.

In this case, since the account number or information of the transfer bank to be transferred by the customer may be wrong before the transfer to the merchant account in step S243, the order may be reversed.

That is, when the initial card terminal 120 selects the account transfer function, the customer first confirms the account number or information of the transfer bank to be transferred and then performs the account transfer step.

In step S242, if the customer account lacks the balance corresponding to the transfer amount, the end of the account transfer function step and the step of depositing the bank account or the transfer of the account into the customer account and then performing the transfer step of the present invention again from the beginning. It may be.

In step S244, when the customer does not want to deposit the insufficient funds, all steps are completed.

In addition, in the step S242 of the present invention, when the balance is insufficient, it was described to transfer the account using the deposit function, but also the account transfer using the credit card function, as well as the customer account when using the credit card function The remaining balance in the bank account can be carried out by bank transfer, and only the insufficient funds can be used for the bank transfer process using the credit card function.

This process can be performed only if an agreement is made between the customer and the merchant in the credit card settlement step, and thus the detailed description thereof will be omitted.

Therefore, the double card can be used as a credit card as well as a deposit and withdrawal function as described above, and because it also has a bank transfer function, it is not necessary to go directly to a place where a bank or a bank common terminal is installed in order to transfer the account. With a 24-hour merchant, anyone can easily access deposits and withdrawals and / or credit cards.

Hereinafter, the utility bill payment step will be described with reference to the drawings.

6 is a flowchart illustrating a utility bill payment step of the present invention, a customer visits an affiliated store to present a double card 110 and selects a utility bill payment function using the input device 122 of the card terminal 120 (S251). ), The bill payment paper is scanned through the reading device 126 of the card terminal 120, and the billing information printed on the bill paper is read from the data scanned by the bill paper and the bill payment system 160 and The payment information is exchanged to read information necessary for payment of utility bills (S253).

Such reading information is read by the utility bill receiving bank, the utility bill payment bank, or the payment amount and displayed on the display device 124 (S255). In particular, the bill receiving bank can be made to select the corresponding bank through the input device 122 of the card terminal 120.

If the reading of the giro paper fails in step S253, the customer can input directly via the input device 122 (S254).

When the payment amount is read or input in step S255 or S254, the card terminal 120 checks the balance of the customer account through the network network 170, which is the bank common network, and displays the displayed payment amount and customer account information, and pays the customer account. If there is a balance corresponding to the amount, transfer the amount of money corresponding to the payment amount from the customer account to the utility billing bank; and if the balance corresponding to the amount of payment is insufficient in the customer account, the amount of money equal to or more than the insufficient amount in the account After depositing, the transfer to the utility billing bank in the customer account to process the payment amount (S256).

Then, the transfer result and the image of the giro paper scanned in the step may be output through the receipt output unit 128 (S257).

In the method of depositing the insufficient cash in step S256 may be carried out through the double card 110 and the card terminal 120 to the bank account deposit, account transfer or credit card function. That is, the deposit function, the bank transfer function, and the credit card function of the present invention may be used.

And, in step S256, it was described that the account is directly transferred from the customer account to the utility billing bank, but using the merchant account of the present invention first transfers the utility bill payment amount from the customer account to the merchant account and finally from the merchant account to the utility bank Can be transferred.

As described above, the use of the double card of the present invention has the advantage that the financial transactions, such as deposit and withdrawal, account transfer, purchase of goods, credit card function or utility bill storage, can be made freely through affiliated stores around the living.

While the invention has been described in detail with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the spirit of the invention, and such modifications and variations belong to the appended claims.

1 is a view showing an example of a merchant financial transaction apparatus according to an embodiment of the present invention,

2 is a flow chart for explaining the deposit step of the present invention;

3 is a flow chart for explaining the article purchase step of the present invention;

4 is a flow chart for explaining the withdrawal step of the present invention;

5 is a flowchart illustrating a transfer step of the present invention;

And,

6 is a flowchart illustrating a utility bill payment step of the present invention.

<Explanation of symbols for main parts of the drawings>

110: double card 120: card terminal

130: credit card payment system 140: merchant account payment system

150: customer account payment system 160: utility bill payment system

170: network

Claims (18)

delete A double card with customer account information and withdrawal, payment, account transfer and credit card functions; And Card terminal for storing merchant account information; The card terminal comprises a deposit function, a payment function, a withdrawal function or the like between a financial institution of the customer account read from the double card and a financial institution where the affiliated account is opened through a bank common network and a payment system of each account. Merchant financial transaction apparatus is configured to perform any one or more of the account transfer function, and if the deposit function is selected, transfer the funds corresponding to the deposit amount from the merchant account to the customer account through the bank common network. delete delete delete 3. The method of claim 2, When the withdrawal function is selected in the card terminal The card terminal is a merchant financial transaction apparatus, characterized in that for transferring the funds corresponding to the withdrawal amount from the customer account to the merchant account through the bank common network. 3. The method of claim 2, When the bank transfer function is selected in the card terminal The card terminal first transfers the funds corresponding to the amount of the account transfer amount from the customer account to the merchant account through the bank joint network, and transfers the final transfer amount from the merchant account to the customer's account transfer bank. Merchant financial transaction device. In the merchant financial transaction method using a double card equipped with the customer's account information, deposit and withdrawal function, payment, account transfer, and credit card function, (a) selecting a deposit function with a card terminal of the affiliated store; (a-1) checking the balance of the merchant account by transmitting the deposit amount and the account information of the merchant through the bank terminal when the deposit function is selected in step (a); (a-2) in the step (a-1), if there is a balance corresponding to the deposit amount in the merchant account, transferring a cash equivalent corresponding to the deposit amount from the merchant account to the customer's account; and (a-3) In the step (a-2), if the balance corresponding to the deposit amount is insufficient in the merchant account, a deposit of more than the insufficient amount is deposited in the merchant account, and then the account of the customer in the merchant account. Executing the transfer into; Merchant financial transaction method comprising a. The method of claim 8, In the step (a-3) If the merchant account lacks a balance corresponding to the deposit amount The merchant financial transaction method comprising the step of completing the deposit function step and performing the deposit of the bank account, bank transfer or credit card function in the merchant account, and then repeating the step (a). delete delete delete In the merchant financial transaction method using a double card equipped with customer account information, deposit and withdrawal function, account transfer and credit card function, (d-1) selecting a withdrawal function with the card terminal of the affiliated store; (d-2) checking the balance of the customer account through the bank common network with the amount to be withdrawn through the card terminal and the account information of the customer; (d-3) in the step (d-2), if there is a balance corresponding to the withdrawal amount in the customer account, transferring a cash equivalent corresponding to the withdrawal amount from the customer account to the affiliated store account; and (d-4) performing a withdrawal function by converting the double card into a credit card function when the balance corresponding to the withdrawal amount is insufficient in the customer account in the step (d-3); Merchant financial transaction method characterized in that consisting of. The method of claim 13, In the step (d-4) If the customer account lacks a balance corresponding to the withdrawal amount After outputting a warning message indicating that the balance is insufficient, it is determined whether to withdraw money using the credit card function. When the credit card function is selected, the double card is switched to the credit card function to perform the withdrawal function. Merchant financial transaction method. In the merchant financial transaction method using a double card equipped with customer account information, deposit and withdrawal function, account transfer and credit card function, (e-1) selecting an account transfer function with the card terminal of the merchant; (e-2) checking the balance of the customer account through the bank common network with information necessary for the transfer such as a transfer bank, a deposit account, a transfer amount, etc. and the account information of the customer through the card terminal; (e-3) In the step (e-2), if there is a balance corresponding to the transfer amount in the customer account, the cash equivalent of the transfer amount is transferred from the customer account to the merchant account, and the merchant account Executing the transfer of the transfer amount to a transfer bank; and (e-4) If the balance corresponding to the transfer amount is insufficient in the customer account in the step (e-3), after the depositing step of depositing more than the amount of money insufficient for transfer into the customer account, the customer account Executing the transfer from the transfer amount to the transfer bank in the merchant account; Merchant financial transaction method comprising the. The method of claim 15, In the step (e-4) If the customer account lacks a balance corresponding to the transfer amount Completion of the step of the bank transfer function, the bank account transfer to the customer account, the bank transfer or credit card function to perform the deposit step, and then repeats the step (e-1). In the merchant financial transaction method using a double card equipped with the customer's account information, deposit and withdrawal function, payment, account transfer, credit card function and utility bill payment function, (f) selecting a utility bill payment function with a card terminal of the affiliated store; (f-1) When the utility bill payment function is selected in step (f), the utility bill is scanned from the utility bill paper, and the bill information printed on the utility bill paper is read from the data scanned by the utility bill paper. A reading step of exchanging payment information with the system; (f-2) checking the balance of the customer account through the bank common network using the payment amount and the customer account information received in the step (f-1); (f-3) in the step (f-2), if there is a balance corresponding to the payment amount in the customer account, transferring a cash equivalent corresponding to the payment amount from the customer account to the utility bill receiving bank; (f-4) In the case of (f-3), if the balance corresponding to the payment amount is insufficient in the customer account, the bank deposits more than the insufficient amount of money in the customer account, and then stores the utility bank in the customer account. Payment amount processing step of executing a transfer to; And (f-5) outputting the result of the transfer and the image of the scanned giro paper through a receipt output unit; Merchant financial transaction method comprising a. The method of claim 17, In the step (f-4) How to deposit the insufficient funds Merchant merchant financial transaction method characterized in that the step of performing the deposit to the customer account through the double card and the card terminal, the bank account transfer or credit card function.

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