KR101280606B1 - A payment agency system having a function of issuing a lottery ticket and operation method thereof - Google Patents

Abstract

PURPOSE: A payment proxy system with a lottery issuing function and an operation method thereof are provided to allow a supply store to supply a part of product prices to a member store as a lottery fund and points for promotion of the member store and detention of clients, thereby reducing promotion expenses of the member store and increasing the number of transaction stores of the supply store. CONSTITUTION: A payment proxy system(100) includes a plurality of member store terminals, a plurality of supplier terminals, an operation company server(101), and a VAN(Value Added Network) server(102). The plurality of member store terminals includes a function which processes a payment of a credit card or a check card and a function which requests lottery issuing and issues a lottery. Suppliers, who are registered in the operation company server, carry the plurality of supplier terminals. The operation company server accumulates a part of product prices as a lottery fund and points for each member store corresponding to the lottery fund. The operation company server stores lottery fund accumulation information and point accumulation information for each member store. The operation company server stores the remaining money of the product prices excluding fees of an operation company and the lottery fund by setting the remaining money as the final product prices. [Reference numerals] (101) Operation company server; (102) VAN company server; (103) Value added communication network; (104) Mobile communication network; (105) Internet communication network; (B1,BJ) Bank server; (C1,CK) Member store terminal; (D1,DN) Delivery store terminal; (DD1,DDM) Delivery party terminal; (E1,EL) Card company server

Description

A payment agency system having a function of issuing a lottery and its operation method

The present invention relates to a payment agency system and an operation method thereof, and more particularly, to a payment agent system having a lottery issuing function and an operation method thereof.

In general, stores selling goods or services use a variety of promotional methods to attract more customers. In particular, in the case of a new store, it focuses on the promotion of the store at an enormous cost in order to secure initial customers and take over commercial power from neighboring competitors. For example, a store owner of a new store may increase the number of discounted items in his or her store over a period of time or provide various prizes or giveaways to a customer who purchases a product, thereby increasing awareness and acceptance of the store. In a store, securing a commercial right is important enough to influence the existence of a store, so the shop owner has no choice but to promote the store. However, most of the existing promotion methods are paid by the shop owners, so the lack of funding may be a big burden for the shop owner.

On the other hand, as the number of companies supplying materials to a store increases, the suppliers are providing a trading store with benefits such as closing a unit price of the material in order to close the transaction with the store and maintain the transaction for a long time. However, due to rising product costs and inflation, there is a limit to the supplier's price cuts. Therefore, the supplier needs to provide the trading store with differentiated benefits from competing suppliers in order to secure more customers.

Recently, as the economy of the general public has become unstable due to economic slowdown and rising inflation, sales of lottery tickets with large winnings have been gradually increasing. Even though the odds of winning are significantly lower, the lottery can be said to be a vital energy for the common people because they can work in a living with the expectation of not knowing. However, some lottery buyers, who are only looking for extra money because of over-exercise, have often used up their entire property for lottery purchases without giving up their jobs. In order to reduce these side effects, a new lottery issuance method needs to be introduced to establish a healthy lottery culture.

Therefore, the technical problem to be achieved by the present invention is to provide a part of the price of the goods delivered to the merchant to the merchant as a lottery fund and points for promotion and attraction of the merchant, thereby reducing the burden of promotion costs of the merchant, The purpose of the present invention is to provide a settlement agency system that increases the number of shops in stores and has a lottery issuing function to establish a sound lottery culture.

Another technical problem to be achieved by the present invention is to provide a part of the price of the goods delivered to the merchant to the merchant as a lottery fund and points for promotion and attraction of the merchant, thereby reducing the burden of promoting the merchant, delivery point The present invention provides a method of operating a payment agent system having a lottery issuing function to increase the number of shops and establish a sound lottery culture.

The technical problem of the present invention is not limited to the above-mentioned technical problems, and other technical problems which are not mentioned can be clearly understood by those skilled in the art from the following description.

Payment agent system having a lottery issuing function according to the present invention for achieving the above technical problem, a plurality of merchant terminal, a plurality of provider terminal, and the operator server. A plurality of merchant terminals are installed in each of the affiliated merchants, and communicate with the server of the value added network (VAN) through the value-added communication network, credit card or check card payment processing function of the merchant goods and issuance of lottery Includes request and lottery issuance functions respectively.

The plurality of supplier terminals are each carried by the suppliers belonging to the delivery points affiliated with the manager, communicate with the VAN server through the mobile communication network, and the payment for the card payment for the material delivered to the merchant. Each credit card or check card payment processing function is included.

The manager server communicates with the VAN server through the value-added communication network, determines whether the credit or check card payment requested from one of the plurality of provider terminals is approved through the VAN company server, and notifies the VAN company of the result. The manager server accumulates some of the payment for the card payment as a lottery fund for attracting customers of the merchant based on the payment information for the payment for the card payment received from the VAN company server, and responds to the accumulated lottery fund. Earn merchant points, store lottery fund accumulation information and point accumulation information for each merchant. The manager server stores the remaining amount except the manager fee and the lottery fund as the net price to be paid to the delivery point. The manager server determines whether to issue a lottery ticket according to a request for issuing a lottery ticket from one of a plurality of merchant terminals, notifies the result to one of the plurality of merchant terminals, and deducts the accumulated points of the affiliated store where the lottery ticket is issued.

The operation method of the payment agent system having a lottery issuing function according to the present invention for achieving the above another technical problem, the credit card or check card of the merchant for the payment for the card payment of the material delivered to the affiliated merchant affiliated with the manager When the payment is approved using the payment information, the payment information for the payment amount for the card payment of the material delivered to the affiliated stores affiliated by the supplier terminal carried by the supplier belonging to the supplier affiliated to the manager. Transmitting to a manager server through a VAN company server; Accumulating, by the manager server, a lottery fund and affiliate store points for attracting customers of the affiliate store based on the payment information and the setting information; Setting, by the manager server, the net price to be paid to the delivery point based on the payment information and the setting information; Transmitting, by the merchant terminal installed in the affiliate store, the lottery issuing request information to the operator server through an internet communication network; Transmitting, by the manager server, the lottery issuing information or the non-issuance guide information to the affiliated store terminal based on the lottery issuing request information and the accumulated points of the affiliated store; And deducting, by the operator server, points of the affiliated store based on the lottery issuance information.

The setting information includes a percentage value of the operator fee for the card payment delivery price, a percentage value of the lottery fund for the card payment delivery price, and a percentage value of the merchant points for the card payment delivery price.

The payment information is generated by the supplier terminal at the time of payment of payment using the merchant's credit card or the check card, and includes payment amount information, merchant code information, and delivery point code information.

As described above, the payment agent system having a lottery issuing function and the operation method according to the present invention, a part of the price of the goods delivered to the merchant stores the merchant as a lottery fund and points for promotion and attracting customers to the merchant By providing to the merchant, the burden of promotional costs of the merchant can be reduced, the number of shops of the delivery shop can be increased, and a healthy lottery culture can be established by preventing the indiscriminate purchase of lotteries.

1 is a schematic block diagram of a payment agency system according to an embodiment of the present invention.
2 is an example of a detailed block diagram of the operator server shown in FIG. 1.
FIG. 3 is a conceptual diagram for describing an operation relationship between programs executed by the controller illustrated in FIG. 2.
4 is another example of a detailed block diagram of the operator server shown in FIG. 1.
FIG. 5 is an example of a detailed block diagram of the affiliated store terminal illustrated in FIG. 1.
FIG. 6 is an example of a lottery selection screen displayed on the touch screen unit shown in FIG. 5.
FIG. 7 is another example of a detailed block diagram of the affiliated store terminal illustrated in FIG. 1.
FIG. 8 is a detailed block diagram of a supplier terminal shown in FIG. 1.
9 is a flowchart illustrating an example of an operation process of the payment agency system illustrated in FIG. 1.
10 is a flowchart illustrating another example of an operation process of the payment agency system illustrated in FIG. 1.
11 is a flowchart illustrating an example of an operation process of an operator server illustrated in FIG. 2.
12 is a flowchart illustrating another example of an operation process of an operator server illustrated in FIG. 2.

Hereinafter, preferred embodiments of the present invention will be described with reference to the accompanying drawings. However, the present invention is not limited to the embodiments disclosed below, but may be embodied in various different forms, and only the embodiments are intended to complete the disclosure of the present invention and to those skilled in the art. It is provided for complete information. Like reference numerals refer to like elements throughout the specification.

1 is a schematic block diagram of a payment agency system according to an embodiment of the present invention. For simplification of the drawing, only the parts related to the present invention are shown in Fig. 1, and the illustration of the transmission / reception signals between the respective components is omitted.

The payment agency system 100 includes a plurality of merchant terminals C1 to CK (K is an integer), a plurality of provider terminals DD1 to DDM (M is an integer), a manager server 101, and a VAN (Value Added Network). Company server 102 is included. A plurality of affiliated terminal (C1 ~ CK) is installed in each of the affiliated stores affiliated with the manager. Each of the plurality of affiliated store terminals C1 to CK communicates with the VAN company server 102 via the value added communication network 103. Each of the plurality of affiliated terminals C1 to CK includes a credit card or check card payment processing function, a lottery issuing request, and a lottery issuing function of the sales price for the merchant product. Each of the plurality of merchant terminals C1 to CK further includes a cash settlement processing function of the selling price.

The plurality of supplier terminals DD1 to DDM are respectively carried by the suppliers belonging to the delivery points subscribed to the manager. Each of the plurality of supplier terminals DD1 to DDM communicates with the VAN company server 102 via the mobile communication network 104, respectively. Each of the plurality of carrier terminals DD1 to DDM includes a credit card or check card payment processing function for the card payment for the material delivered to the merchant. Each of the plurality of delivery terminals DD1 to DDM may further include a storage function and a printing function of the deposit information for the direct deposit input according to the operation of the supplier. Each of the plurality of delivery terminals DD1 to DDM prints the delivery payment slip for direct deposit, which is an invoice to be paid to the merchant according to the operation of the delivery provider. The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and code information of a merchant.

The manager server 101 communicates with the VAN company server 102 through the value-added communication network 103. The manager server 101 determines whether the credit card or the check card payment is approved from one of the plurality of carrier terminals DD1 to DDM through the VAN company server 102, and the result is determined by the VAN company server 102. Notify The manager server 101 accumulates a portion of the payment for the card payment as a lottery fund for attracting customers of the merchant based on the setting information and the payment information for the payment for the card payment received from the VAN company server 102. Earn points for each merchant in response to the accumulated lottery funds. The manager server 101 stores the lottery fund accumulation information and the point accumulation information for each affiliate store, respectively.

In addition, the manager server 101 stores the remaining amount of the card payment delivery price excluding the manager fee and the lottery fund as the net price to be paid to the delivery point.

The setting information is information which is set in advance in the manager server 101, and includes a percentage value of the manager fee for the delivery payment for card payment, a percentage value of the lottery fund for the delivery payment for card payment, and a delivery payment for the card payment. Contains the percentage value of the merchant point.

When one of the plurality of carrier terminals DD1 to DDM requests the approval of the credit card or the check card payment from the manager server 101, when the notification of the payment for the card for the delivery price for the card payment is received, One of the delivery terminal (DD1 ~ DDM) generates payment information for the card payment delivery price and transmits to the operator server 101 through the VAN company server (102). Payment information for the card payment delivery price includes payment amount information, merchant code information, and delivery point code information.

 The manager server 101 determines whether to issue a lottery ticket according to a request for issuing a lottery ticket from one of the plurality of affiliated terminals C1 to CK, and notifies one of the plurality of affiliated store terminals C1 to CK. Deduction of points earned by issued merchants.

The manager server 101 further determines whether the credit card or the check card payment is requested from one of the plurality of affiliated terminals C1 to CK through the VAN company server 102, and then the result is returned to the VAN company server 102. You can notify further.

The settlement agency system 100 includes a plurality of delivery point terminals D1 to DN (N is an integer), a plurality of bank servers B1 to BJ (J is an integer), and a plurality of card company servers E1 to EL (L). May be an integer). The plurality of delivery point terminals D1 to DN are respectively installed at the delivery points and communicate with the operator server 101 and the plurality of bank servers B1 to BJ via the Internet communication network 105, respectively. Each of the plurality of delivery point terminals D1 to DN may be implemented by, for example, a personal computer (PC).

Each of the plurality of delivery point terminals D1 to DN communicates with one of the plurality of delivery terminals DD1 to DDN when one of the plurality of delivery terminals DD1 to DDN is connected to the delivery price for direct deposit. Receive and store information about When each of the plurality of delivery point terminals D1 to DN receives the deposit confirmation information from one of the plurality of bank servers B1 to BJ, each of the plurality of delivery point terminals D1 to DN is included in the corresponding payment amount information for the direct deposit including the charged amount corresponding to the deposited amount. Update the payment information for the direct deposit so that the deposit completion information is included.

Each of the plurality of delivery terminals (DD1 to DDM) is connected to one of the plurality of delivery terminal terminals (D1 to DN) to receive and store the updated stored payment information for direct deposit according to the operation of the supplier or the delivery staff. do.

The plurality of bank servers B1 to BJ communicate with the operator server 101, the plurality of affiliated store terminals C1 to CK, and the plurality of delivery point terminals D1 to DN, respectively, via the Internet communication network 105.

One of the plurality of merchant terminals C1 to CK transmits account transfer request information including the transfer amount information, the merchant's transfer account information, and the supply point's virtual account information to one of the plurality of bank servers B1 to BJ. do. As a result, one of the plurality of bank servers (B1 ~ BJ) transfers the transfer amount from the merchant's transfer account to the virtual store's virtual account based on the account transfer request information.

A plurality of virtual accounts may be set to be connected to one mother account owned by the supplying point, and the plurality of virtual accounts may be granted to each affiliated store as a dedicated account for each merchant for account deposit. That is, one virtual account allows direct deposit to one merchant. The amount deposited in the plurality of virtual accounts is deposited to the parent account at once.

When the bank server B1 confirms the deposit in the virtual account of the delivery point, the bank server B1 transmits the deposit confirmation information for the virtual account of the delivery point to one of the plurality of delivery terminals DD1 to DDM.

Each of the plurality of supplier terminals DD1 to DDM further includes a cash receipt issuing function. Each of the plurality of delivery terminals (DD1 to DDM) transmits the receipt issuance approval request information to the VAN company server 102 according to the operation of the supplier, and receives the receipt issuance approval information from the VAN company server 102, the cash payment is made. The information is transmitted to the manager server 101 through the VAN company server 102.

Thereafter, each of the plurality of delivery terminals DD1 to DDM prints a cash receipt to be paid to the merchant based on the receipt issuance approval request information and the receipt issuance approval information. The cash settlement information includes receipt issuance amount, delivery point code information, and merchant code information. The amount stated on the cash receipt printed by one of the plurality of carrier terminals DD1 to DDM includes the billed amount of the deposit information for the deposit which has been deposited or the supplier collects the cash payment for delivery directly from the merchant. It then includes the cash payment amount entered on the provider's terminal (one of DD1 to DDM).

The manager server 101 stores the credit card information or the deposit information of the delivery points, respectively. When the manager server 101 receives the cash settlement information, based on the cash settlement information and the additional setting information, the manager server 101 processes the amount corresponding to a part of the receipt issuance amount with a credit card or a deposit of the corresponding delivery point. The manager server 101 sets a part of the amount paid by the credit card or the deposit of the corresponding delivery point as an additional lottery fund for attracting customers of the affiliated store, based on the cash settlement information and the additional setting information. Set additional merchant points corresponding to additional lottery funds. The manager server 101 updates and stores the lottery fund accumulation information and the point accumulation information for each affiliate based on the additional lottery fund and the additional merchant points. The manager server 101 sets the remainder of the amount paid by the credit card or the deposit of the corresponding delivery point as the additional manager fee based on the cash settlement information and the additional setting information.

The additional setting information is information which is set in advance in the manager server 101, and includes the percentage value of the additional operator fee for the receipt issuance amount, the percentage value of the additional lottery fund for the receipt issuance amount, and the receipt issuance amount. It includes a percentage value of additional merchant points. Each percentage value included in the setting information and each percentage value included in the additional setting information are set differently in the manager server 101.

The plurality of card company servers E1 to EL communicate with the VAN company server 102 via the value added communication network 103, respectively. Each of the plurality of card company servers E1 to EL determines whether to approve a credit card or a check card payment requested from one of the plurality of merchant terminals C1 to CK through the VAN company server 102, and the result is determined by the VAN company. The server 102 is notified.

FIG. 2 is a detailed block diagram of the operator server shown in FIG. 1. For the sake of simplicity, only the parts related to the present invention are shown in Fig. 2, and the illustration of the transmission / reception signals between the respective components is omitted.

The manager server 101 may include a first communication unit 111, a second communication unit 112, an input unit 113, a power supply unit 114, a control unit 115, a storage unit 116, a display unit 117, and a lottery information DB ( data base) 118, merchant information DB 119, delivery point information DB 120, payment information DB 121, and point information DB 122. FIG.

The first communication unit 111 interfaces the communication between the VAN company server 102 and the control unit 115 through the value-added communication network 103. The second communication unit 112 is one of the plurality of delivery point terminals D1 to DN, one of the plurality of affiliated store terminals C1 to CK, or one of the plurality of bank servers B1 to BJ, via the Internet communication network 105. Interfaces communication between one and the control unit 115.

The input unit 113 includes a plurality of input keys and generates an input signal corresponding to a user's input operation. The power supply unit 114 generates a plurality of operating powers based on an external power supply (not shown). The power supply unit 114 supplies a plurality of operating powers to the first communication unit 111, the second communication unit 112, the input unit 113, the control unit 115, the storage unit 116, the display unit 117, and the lottery information DB (data). base 118, merchant information DB 119, supply point information DB 120, payment information DB 121, and point information DB 122, respectively.

The controller 115 executes the payment management program 130 (see FIG. 3), the lottery management program 140, the point management program 150 (see FIG. 3), and the lottery generation program 160 (see FIG. 3). do. The storage unit 116 includes setting information necessary for the calculation of the lottery fund, the points for each affiliate, and the net price for each delivery point, the payment management program 130, the lottery management program 140, the point management program 150, and the lottery generation. Program 160 is stored. The lottery generation program 160 includes an instant lottery generation program 161 and a lottery lottery generation program 162.

The setting information includes the percentage value of the operator's fee for the payment for card payment (ie, the payment for credit card or check card payment), the percentage value for the lottery fund for the payment for card payment, and the payment for card payment. It includes a percentage value of points for. Each percentage value included in the setting information may be changed and set according to an administrator's input through the input unit 113.

The storage unit 116 may further store additional setting information necessary for calculating additional lottery funds, additional merchant points, and additional operator fees. Additional set-up information may include the percentage value of additional operator fees for the receipt amount of cash receipts paid to the merchant, the percentage value of additional lottery funds for the amount of receipts issued, and the percentage of additional merchant points for the amount of receipts issued. Contains a value. Each percentage value included in the additional setting information may be changed and set according to an administrator's input through the input unit 113. On the other hand, each percentage value included in the setting information and each percentage value included in the additional setting information may be set differently.

The display unit 117 displays the manager screen information under the control of the control unit 115. The administrator screen may include a screen for changing various setting information or a screen for inputting and inquiring of various data.

The lottery information DB 118 stores lottery-related information under the control of the controller 115. The lottery-related information includes lottery fund accumulation information, lottery issuance details, and winning lottery information.

The affiliated store information DB 119 stores affiliated store related information. The affiliated store related information includes affiliated store subscription information, affiliated store code information, and affiliated store credit card information, and affiliated store check card information. The affiliated subscription information may include, for example, the merchant's name, address, telephone number, and fax number. Merchant-specific credit card information may include, for example, the card number, credit limit amount, expiration date, etc. for the merchant's credit card (ie, corporate credit card) or the merchant owner's personal credit card. Merchant check card information may include, for example, the card number, expiration date, etc. for the merchant's check card (ie, corporate check card) or the merchant owner's personal check card.

The delivery point information DB 120 stores delivery point related information. The delivery point related information includes subscription information for each delivery point, code information for each delivery point, and credit card information for each delivery point. The delivery point-specific subscription information may include, for example, the name, address, telephone number, and fax number of the delivery point. Credit card information for each point of delivery may include, for example, a card number for a supplier's credit card (ie, a corporate credit card) or a supplier's owner's personal credit card, a usage limit amount, an expiration date, and the like.

The payment information DB 121 stores payment related information under the control of the controller 115. The payment related information includes credit card payment information for each merchant, credit card payment information for each delivery point, deposit information for each delivery point, and net price information for each delivery point.

The point information DB 122 stores point accumulation information for each affiliated store under the control of the controller 115.

When the payment management program 130 executed in the control unit 115 receives the credit settlement approval request information including the credit card information and the payment amount information of the merchant from the VAN company server 102 through the first communication unit 111, The credit approval is determined based on the credit approval request information, the merchant credit card information, and the merchant credit card payment information.

The payment management program 130 transmits credit approval information or non-approval information to the VAN company server 102 in accordance with the determination result of the payment approval.

If the payment management program 130 receives the check payment approval request information including the check card information and the check payment amount of the merchant from the VAN company server 102 through the first communication unit 111, the check payment approval request information and the merchant Based on the check card information, the billing request information is transmitted to one of the plurality of bank servers B1 to BJ. The billing request information includes the merchant's check card information, the check payment amount, and the manager's account information.

The payment management program 130 transmits the check payment approval information to the VAN company server 101 when receiving the billing completion information from one of the plurality of bank servers B1 to BJ. The payment management program 130 transmits non-approval information to the VAN company server 101 when receiving non-billable information from one of the plurality of bank servers B1 to BJ.

When the payment management program 130 receives payment information about the payment amount for the card payment including the payment amount information, the affiliated store code information, and the delivery point code information from the VAN company server 102, the payment information DB 121 Update the credit card payment information for each merchant.

One of the plurality of carrier terminals DD1 to DDM transmits the credit approval request information or the check payment approval request information to the VAN company server 102, and then the credit payment approval information or check payment from the VAN company server 102. Only when receiving the approval information, generates payment information for the payment amount for card payment including payment amount information, merchant code information, and delivery point code information and transmits it to the manager server 1101 through the VAN company server 102. do.

In addition, the payment management program 130 calculates the lottery fund, merchant points, and manager fees, respectively, based on the payment information and the setting information for the delivery price for card payment, and calculates the result of the lottery fund and merchant points for the lottery management program. Output to 140 and point management program 150, respectively. The payment management program 130 further calculates the delivery point net price based on the payment information and the setting information for the delivery price for the card payment, and calculates the net price information for each delivery point stored in the payment information DB 121 according to the calculation result. Save the update.

The lottery management program 140 executed in the control unit 115 updates the lottery fund accumulation information stored in the lottery information DB 118 by accumulating the lottery fund based on the lottery fund calculated by the payment management program 130. Save it.

The lottery management program 140 receives the lottery issuing request information including the lottery selection information and the affiliated store code information from one of the plurality of affiliated terminals C1 to CK through the second communication unit 112. Decide whether to issue a lottery based on the point accumulation information for each merchant. The lottery management program 140 may request point accumulation information of the affiliated store from the point management program 150.

The lottery management program 140 transmits lottery issuing information or non-issuance guide information to one of the plurality of affiliated terminals C1 to CK according to a result of determining whether to issue a lottery. In addition, the lottery management program 140 updates and stores the lottery issuance information stored in the lottery information DB 118 based on the lottery issuing information when transmitting the lottery issuing information to one of the plurality of affiliated terminals C1 to CK. . Thereafter, the lottery management program 140 outputs affiliate store code information and lottery issuance information to the point management program 150.

Meanwhile, the lottery generating program 160 executed by the controller 115 generates lottery issuing information based on the lottery selection information received from the lottery management program 140 and outputs the lottery issuing information to the lottery management program 140. do. When the lottery selection information is associated with the instant lottery, the instant lottery generation program 161 of the lottery generation program 160 generates the lottery issuance information including the winning related information. The lottery management program 140 determines the existence of the winning lottery based on the winning related information, and updates and stores the winning lottery information stored in the lottery information DB 118 according to the determination result.

Further, when the lottery selection information is associated with the lottery lottery, the lottery lottery generation program 162 of the lottery generation program 160 generates lottery issuance information corresponding to the lottery lottery.

Point management program 150 executed in the control unit 115 is based on the merchant points calculated by the payment management program 130, by accumulating the points of the affiliated stores points earned information for each merchant stored in the point information DB 122 Save the update. In addition, the point management program 150, based on the affiliated store code information and the number of lottery issuance information received from the lottery management program 140, by deducting the accumulated points of the affiliated stores points earned for each merchant stored in the point information DB 122 Update and save the information.

On the other hand, the payment management program 130 is a cash payment including a receipt issuance amount, delivery point code information, and merchant code information for the cash receipt paid to the merchant from the VAN company server 102 through the first communication unit 111 Upon receiving the information, the additional lottery fund, the additional merchant points, and the additional manager fee are respectively calculated based on the cash settlement information and the additional setting information. The payment management program 130 outputs the calculation result of the additional lottery fund and the additional merchant points to the lottery management program 140 and the point management program 150, respectively.

In addition, the payment management program 130, based on the cash payment information and the additional set-up information, the amount of the additional lottery fund and the additional operator fee is settled by the credit card or the deposit of the delivery point, payment information DB The credit card payment information of the corresponding delivery point stored in 121 is updated or stored, or the deposit of the corresponding delivery point is deducted.

The lottery management program 140 executed in the control unit 115 updates and stores the lottery fund accumulation information stored in the lottery information DB 118 based on the additional lottery fund calculated by the payment management program 130. The point management program 150 executed in the control unit 115 is based on the additional merchant points calculated by the payment management program 130, and stores the merchants stored in the point information DB 122 by accumulating the points of the corresponding merchants. Update and save the points earned information.

4 is another example of a detailed block diagram of the operator server shown in FIG. 1. The configuration and specific operation of the manager server 101 ′ shown in FIG. 4 are identical to the manager server 101 described above except for some differences, and thus, the manager servers 101 ′ and 101 may be used to avoid duplication of explanation. The explanation focuses on the differences.

The difference between the manager servers 101 'and 101 is that the manager server 101' further includes the subscriber information DB 123. The subscriber information DB 123 stores personal subscriber related information. The individual subscriber here can be, for example, a customer of the merchant. The personal subscriber related information may include, for example, the personal information of the subscriber, the number of the credit card, the amount of use limit, the expiration date, and the like.

The power supply unit 114 generates a plurality of operating powers based on an external power supply (not shown). The power supply unit 114 supplies a plurality of operating powers to the first communication unit 111, the second communication unit 112, the input unit 113, the control unit 115, the storage unit 116, the display unit 117, and the lottery information DB 118. ), The merchant information DB 119, the supply point information DB 120, the payment information DB 121, the point information DB 122, and the subscriber information DB 123, respectively.

The payment information DB 121 stores payment related information under the control of the controller 115. The payment related information includes credit card payment information for each merchant, credit card payment information for each delivery point, deposit information for each delivery point, net payment information for each delivery point, and credit card payment information for each individual subscriber.

The payment management program 130 executed in the control unit 115 includes a payment approval including credit card information, payment amount information, and merchant code information of the merchant customer from the VAN company server 102 through the first communication unit 111. Upon receiving the request information, it is determined whether the payment is approved based on the payment approval request information, the credit card information for each individual subscriber, and the credit card payment information for each individual subscriber. The payment management program 130 transmits payment approval information or non-approval information to the VAN company server 102 in accordance with the determination result of the payment approval. The payment management program 130 updates and stores credit card payment information for each individual subscriber stored in the payment information DB 121 based on the payment approval request information when transmitting the payment approval information to the VAN company server 102.

FIG. 5 is an example of a detailed block diagram of the affiliated store terminal illustrated in FIG. 1.

Since configurations and specific operations of the plurality of affiliated terminals C1 to CK are similar to each other, the configuration and operation of the affiliated store terminals C1 will be described below.

The merchant terminal C1 includes a card reader 201, an input unit 202, a power supply unit 203, a control unit 204, a storage unit 205, a display unit 206, a printer 207, and a touch screen unit. 208, a first communication unit 209, and a second communication unit 210.

The card reader unit 201 reads the magnetic data recorded on the credit card or the check card according to the user's operation and outputs it to the control unit 204. The input unit 202 includes a plurality of input keys and generates an input signal corresponding to a user's input operation. The card reader 201 may further read magnetic data recorded on the cash receipt card according to a user's operation and output the magnetic data to the controller 204.

The power supply unit 203 generates a plurality of operating power sources based on an external power source (not shown). The power supply unit 203 uses a plurality of operating power sources such as a card reader unit 201, an input unit 202, a control unit 204, a storage unit 205, a display unit 206, a printer 207, a touch screen unit 208, It supplies to the 1st communication part 209 and the 2nd communication part 210, respectively.

The controller 204 executes a payment related program and a lottery related program in response to an input signal received from the input unit 202. The control unit 204 further executes an Internet access program according to a user's input operation through the input unit 202, so that the account transfer request information including the transfer amount information, the merchant's transfer account information, and the supplier's virtual account information Is transmitted to one of the bank servers B1 to BJ via the second communication unit 210. As a result, one of the plurality of bank servers B1 to BJ transfers the transfer amount from the merchant's transfer account to the supplier's virtual account based on the account transfer request information, and deposits the payment confirmation information for the supplier's virtual account. Is sent to one of the delivery point terminals D1 to DN.

The storage unit 205 stores a payment related program and a lottery related program. The storage unit 205 further stores information about the number of lottery tickets issued for each payment amount range. For example, as the settlement amount increases, the number of lottery tickets may be increased. The number of lotteries issued per payment amount range may be changed and set by a user's input through the input unit 202. The storage unit 205 may further store sales information of the affiliated store or information necessary for managing the affiliated store. The storage unit 205 may further store an internet access program.

The display unit 206 displays first screen information indicating a payment progress process under the control of the controller 204. The printer 207 prints a credit card or check card sales slip based on the first output information including payment related information received from the controller 204. The printer 207 prints at least one lottery ticket based on the second output information including the lottery-related content received from the control unit 204. At this time, the at least one lottery ticket printed by the printer 207 is a lottery lottery ticket to determine whether or not the winning is confirmed later through the lottery or instant lottery ticket is confirmed at the time of printing. The lottery ticket may include an automatic combination number according to the automatic selection of the merchant customer or a combination number directly selected by the merchant customer.

The touch screen unit 208 displays second screen information for signature input or third screen information for lottery selection input under the control of the controller 204. The touch screen unit 208 detects contact of the affiliated customer and outputs first coordinate data corresponding to the signature input or second coordinate data corresponding to the lottery selection input to the controller 204.

The first communication unit 209 interfaces the communication between the VAN company server 102 and the control unit 204 through the value-added communication network 103. In this case, the first communication unit 209 may be connected to the value-added communication network 103 through a public switched telephone network (PSTN). The second communication unit 210 interfaces the communication between the manager server 101 and the control unit 204 through the internet communication network 105. The second communication unit 210 further interfaces the communication between one of the bank servers B1 to BJ and the control unit 204 via the internet communication network 105.

The payment related program executed in the control unit 204 receives the magnetic data from the card reader unit 201, and the credit or check card information included in the magnetic data and the sales inputted by the user through the input unit 202. Payment approval request information including information on the price is transmitted to the VAN company server 102 through the first communication unit 209. The VAN company server 102 transmits the payment approval request information received from the merchant terminal C1 to one of the plurality of card company servers E1 to EL, and the payment approval information from one of the plurality of card company servers E1 to EL. Or receive disapproved information.

When the payment related program executed in the controller 204 receives payment approval information from the VAN company server 102, the payment related program outputs the second screen information to the touch screen unit 208. Thereafter, the controller 204 recognizes the shape information input to the touch screen unit 208 based on the first coordinate data received from the touch screen unit 208, and the payment approval request information, the payment approval information, and the shape. The first output information generated based on the information is output to the printer 207. As a result, the printer 207 prints the credit card or check card sales slip based on the first output information.

The payment related program executed in the control unit 204 may include cash receipt card information included in the magnetic data of the cash receipt card received from the card reader unit 201 or cash receipt subscriber information input by the user through the input unit 202. And, it is further sent to the VAN company server 102 through the first communication unit 209 receipt receipt approval request information including information on the sales price. The VAN company server 102 transmits the receipt issuance approval request information received from the affiliated store terminal C1 to the IRS server (not shown) through the value-added communication network 103, and receives information on whether to approve.

When the payment related program executed in the control unit 204 receives the receipt issuance approval information from the VAN company server 102, the printer 207 sends the third output information generated based on the receipt issuance approval request information and the receipt issuance approval information. Print more. As a result, the printer 207 prints the cash receipt on the basis of the third output information.

The lottery-related program executed by the control unit 204 is configured to display a third screen on the basis of the information on the payout received from the payment-related program and the information on the number of lottery issuance for each payment amount range read out from the storage unit 205. The information is output to the touch screen unit 208. In this regard, FIG. 6 illustrates an example of a lottery selection screen displayed on the touch screen unit 208. Referring to FIG. 6, screen elements 131 to 134 are displayed. The screen component 131 includes contents for guiding the number of lotteries that can be issued to the merchant customer. The screen component 132 includes contents for selecting a lottery number or the number of lotteries. The screen component 133 includes contents for selecting an instant lottery ticket or a lottery ticket, and contents for selecting whether to automatically combine the numbers when the lottery ticket is selected or to directly select the numbers.

For example, when the merchant customer selects the instant lottery button of the screen component 133 and the number of issuances on the screen component 132, an instant lottery is displayed indicating whether or not to win the selected number of tickets.

For example, when a merchant customer presses the lottery lottery button of the screen component 133 and the automatic selection button in turn, and then selects the number of issued copies on the screen component 132, the lottery including the number automatically combined by the selected number of copies is displayed. Lottery tickets are issued.

The screen component 134 corresponds to a space in which the selected number is displayed in turn when the customer of the affiliate store selects the number of the screen component 132 after selecting the lottery lottery button on the screen component 133. In screen component 134, the number for one lottery ticket is displayed in one row. If the number of lottery tickets that can be issued to the merchant customer cannot be displayed all in the lottery selection screen, the customer of the merchant may check all the lottery numbers selected by the user using the scroll bar 135.

For example, when the merchant customer presses the lottery number button of the screen component 133, the desired lottery number on the screen component 132, and then presses the number selection completion button of the screen component 133, the merchant customer. A lottery ticket with this selected number is issued.

Referring back to FIG. 5, the lottery-related program executed by the controller 204 generates lottery issuing request information based on the second coordinate data received from the touch screen unit 208, and generates the lottery issuing request information from the second communication unit. Transmit to the manager server 101 via the 210.

The lottery-related program executed by the control unit 204 outputs the second output information to the printer 207 when receiving the lottery issuing information from the operator server 101. In addition, the lottery-related program executed in the control unit 204 outputs the fourth screen information including the non-issuance contents to the touch screen unit 208 when receiving the non-issuance guide information from the operator server 101. As a result, the touch screen unit 208 displays the guide text indicating that it is impossible to issue a lottery based on the fourth screen information.

FIG. 7 is another example of a detailed block diagram of the affiliated store terminal illustrated in FIG. 1. Since the configuration and detailed operation of the affiliated store terminal C1 ′ shown in FIG. 7 are the same as those of the affiliated store terminal C1 described above except for a few differences, the affiliated store terminals C1 'and C1 may be used to avoid duplication of explanation. The explanation focuses on the differences.

The difference between the merchant terminals C1 'and C1 is that the merchant terminal C1' further includes a plurality of touch screen units T1 to TQ (Q is an integer) and a plurality of lottery printers P1 to PQ. When a customer of a merchant is concentrated in a specific time zone, since the plurality of customers use the plurality of touch screen units T1 to TQ and the plurality of lottery printers P1 to PQ, respectively, the merchant owner takes time to pay the sales price. Can shorten.

Each of the plurality of touch screen units T1 to TQ is similar to the operation of the touch screen unit 208 described above, and according to the control of the controller 204, the second screen information for the signature input or the lottery selection input. 3 Display screen information. Each of the plurality of lottery printers P1 to PQ may be provided adjacent to the plurality of touch screen units T1 to TQ, respectively. In this case, one touch screen unit (for example, T1) and one lottery printer P1 may be used by one merchant customer. Each of the plurality of lottery printers P1 to PQ prints at least one lottery ticket based on the second output information including the lottery-related content received from the control unit 204.

The controller 204 is a touch screen for displaying second or third screen information each time a single payment is made, and may select one by one in the order of T1, T2, .... TQ.

FIG. 8 is a detailed block diagram of a supplier terminal shown in FIG. 1.

Since the configuration and specific operations of the plurality of delivery terminals DD1 to DDM are similar to each other, the configuration and operation of the delivery terminal DD1 will be described below.

The supplier terminal DD1 includes a card reader 301, an input unit 302, a power supply unit 303, a control unit 304, a storage unit 305, a touch screen unit 306, a printer 307, and a first communication unit. 308, and a second communication unit 309.

The card reader unit 301 reads the magnetic data recorded on the credit card or the check card and outputs it to the control unit 304 in accordance with the operation of delivery. The card reader unit 301 may further read magnetic data recorded on the cash receipt card according to the operation of the supplier and output the read data to the controller 304. The input unit 302 includes a plurality of input keys and generates an input signal corresponding to the supplier's input operation.

The power supply unit 303 generates a plurality of operating power sources based on an external power source (not shown). The power supply unit 303 supplies a plurality of operating powers to the card reader unit 301, the input unit 302, the control unit 304, the storage unit 305, the touch screen unit 306, the printer 307, and the first communication unit 308. And the second communication unit 309, respectively.

The controller 304 executes a payment related program in response to an input signal received from the input unit 202. The storage unit 305 stores a payment related program. The storage unit 305 further stores delivery point code information, affiliated store code information, and delivery point virtual account information. The storage unit 305 may further store the payment information for direct deposit or updated payment information for direct deposit. The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and merchant code information. The updated payment information for direct deposit includes the billing date, the billing amount, the virtual account information of the delivery point, the merchant code information, and the deposit completion information.

The touch screen unit 306 displays first screen information indicating a payment process or second screen information for signature input under the control of the controller 304. The touch screen unit 306 detects contact of the affiliated owner and outputs coordinate data corresponding to the signature input to the controller 304. The touch screen unit 306 further displays third screen information indicating a bill issuing process or fourth screen information indicating a cash receipt issuing process under the control of the controller 304.

The printer 307 prints a credit card or check card sales slip based on the first output information including card payment related information received from the controller 304. The printer 307 prints the delivery payment slip for the deposit to be paid to the affiliated store based on the second output information including the invoice related contents received from the control unit 304. The printer 307 prints a cash receipt to be paid to the affiliated store based on the third output information including the cash receipt related content received from the controller 304.

The first communication unit 308 interfaces the communication between the VAN company server 102 and the control unit 304 through the mobile communication network 104. The second communication unit 309 interfaces communication between one of the plurality of delivery point terminals D1 to DN and the control unit 304. The second communication unit 309 may be connected to one Universal Serial Bus (USB) port of the plurality of delivery point terminals D1 to DN.

The payment related program executed in the control unit 304 receives the magnetic data from the card reader unit 301, credit card information included in the magnetic data, and the credit settlement amount input by the supplier through the input unit 302. Credit payment approval request information including a transmits to the VAN company server 102 through the first communication unit 308. The VAN company server 102 transmits the credit settlement approval request information received from the supplier terminal DD1 to the manager server 101 through the value-added communication network 103, and receives credit approval information or approval from the manager server 101. Receive impossible information.

The payment related program executed in the control unit 304 receives the magnetic data from the card reader unit 301, check card information included in the magnetic data, and the check settlement amount input by the supplier through the input unit 302. The check payment approval request information including the transmits to the VAN company server 102 through the first communication unit 308. The VAN company server 102 transmits the check payment approval request information received from the supplier terminal DD1 to the manager server 101 through the value-added communication network 103, and checks approval information or approval from the manager server 101. Receive impossible information.

When the payment related program executed in the controller 304 receives credit payment approval information or check payment approval information from the VAN company server 102, the card payment information including payment amount information, merchant code information, and delivery point code information is used. The payment information for the delivery price is transmitted to the manager server 101 through the VAN company server 102.

In addition, the payment related program executed in the control unit 304 outputs the second screen information to the touch screen unit 306 when the credit approval information or the check payment approval information is received. Thereafter, the payment related program executed by the control unit 304 recognizes the shape information input to the touch screen unit 306 based on the coordinate data received from the touch screen unit 306, and receives credit approval request information and credit. The first output information generated on the basis of the payment approval information and the shape information or based on the check payment approval request information, the check payment approval information, and the shape information is output to the printer 307. As a result, the printer 307 prints the credit card or check card sales slip based on the first output information.

The payment related program executed in the control unit 304 may include cash receipt card information included in the magnetic data of the cash receipt card received from the card reader unit 301 or a cash receipt subscriber input by the supplier through the input unit 302. Receipt issuance approval request information including the information, the billing amount for the direct deposit and the cash settlement amount for the cash payment, is further transmitted to the VAN company server 102 through the first communication unit 308. The VAN company server 102 transmits the receipt issuance approval request information received from the supplier terminal DD1 to the IRS server (not shown) through the value-added communication network 103, and receives information on whether to approve.

When the payment related program executed in the controller 304 receives the receipt issuance approval information from the VAN company server 102, the payment related information is transmitted to the manager server 101 through the VAN company server 102. The cash settlement information includes receipt issuance amount, delivery point code information, and merchant code information. In addition, when the payment related program executed in the controller 304 receives the receipt issuance approval information from the VAN company server 102, the printer 307 outputs the second output information generated based on the receipt issuance approval request information and the receipt issuance approval information. More) As a result, the printer 307 prints the cash receipt to be paid to the affiliated store based on the second output information.

The payment related program executed in the control unit 304 further outputs the third output information to the printer 307 based on the payment amount information for the direct deposit input by the supplier through the input unit 302. As a result, the printer 307 prints the deposit for delivery account, which is a bill to be paid to the affiliated store, based on the third output information. The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and merchant code information.

When the supplier terminal DD1 is connected to one of the plurality of delivery point terminals D1 to DN, the payment related program executed by the control unit 304 is inputted by the supplier or the delivery point employee through the input unit 302. According to the operation, receiving the payment information for direct deposit stored in one of the delivery point terminal (D1 ~ DN) and stores in the storage unit 305.

Next, referring to Figures 9 to 12, the operation of the payment agency system 100 will be described in more detail. For convenience of explanation, in the present embodiment, operations between the affiliated store terminal C1, the supplier terminal DD1, the delivery store terminal D1, the bank server B1, the card company server E1, and the manager server 101. The explanation will focus on the relationship.

9 is a flowchart illustrating an example of an operation process of the payment agency system illustrated in FIG. 1.

First, the supplier visits the affiliated store and delivers the material, and the payment for the material may be processed using the supplier terminal DD1. For example, the merchant may be a restaurant and the delivery point may be a food material supplier.

The supplier terminal DD1 may store the supplier point code information and the affiliated store code information in advance. The supply point code information is a unique number assigned to the supply point by the manager when the supply point is registered as a member of the manager, and the merchant code information is a unique number assigned to the merchant by the manager when the merchant signs up as a member of the manager.

When the supplier points a new transaction with an affiliated member affiliated with the manager, the supplier stores the information of the affiliated store to the manager server 101 using the supplier terminal D1 and then receives code information of the affiliated store from the manager server 101. can do. In this case, the code information of the affiliate store includes the trade name as well as the unique number of the affiliate store.

Thereafter, when the supplier terminal DD1 is connected to the delivery point terminal D1, the delivery point terminal D1 transmits the code information of the corresponding affiliated store received from the manager server 101 to the supplier terminal DD1. Can be.

When the merchant wants to pay the delivery price using the merchant's credit card or check card or the merchant owner's credit card or check card, the supplier operates the supplier terminal (DD1) to search and select the code information of the merchant. Pass the merchant's credit card or check card to the card reader unit (not shown) provided in the supplier terminal (DD1), enter the amount corresponding to the delivery price for card payment to select the approval request.

As a result, the supplier terminal DD1 transmits the credit card approval request information including the merchant's credit card information and the credit settlement amount, or the check payment authorization request information including the merchant's check card information and the check settlement amount, to the VAN company server. It transmits to the manager server 101 via the 102. When the manager server 101 receives the credit approval request information, the manager server 101 determines whether the payment is approved based on the credit approval request information, credit card information for each merchant, and credit card payment information for each merchant, and according to the result of the credit settlement. The approval information or non-approval information is transmitted to the supplier terminal DD1 through the VAN company server 102. When the manager server 101 receives the check payment approval request information, the manager server 101 transmits the request information to the bank server B1 based on the check payment approval request information and the check card information for each merchant. The billing request information includes the merchant's check card information, the check payment amount, and the manager's account information. Thereafter, upon receiving the billing completion information from the bank server B1, the manager server 101 transmits the check payment approval information to the supplier terminal DD1 via the VAN company server 102. In addition, when the manager server 101 receives the non-billable information from the bank server B1, the manager server 101 transmits the non-approval information to the supplier terminal DD1 via the VAN company server 102. The bank server B1 transmits non-billable information to the manager server 101 when the account balance of the merchant connected to the check card of the merchant is less than the check payment amount.

The supplier terminal DD1 transmits the credit approval request information or the check payment approval request information, and then receives the credit payment approval information or the check payment approval information from the VAN company server 102, the payment amount information and the merchant code information. And generating payment information for the card payment delivery price including the delivery point code information and sending it to the operator server 101 through the VAN company server 102 (step 1101).

The manager server 101 accumulates lottery funds and merchant points for attracting customers of merchants based on payment information for card payment delivery price and setting information (step 1102). The setting information includes a percentage value of the operator fee for the card payment delivery price, a percentage value of the lottery fund for the card payment delivery price, and a percentage value of the merchant points for the card payment delivery price. For example, the manager fee may be set to 1% of the delivery price, the lottery fund to 1.5% of the delivery price, and the points to 0.5% of the delivery price.

In addition, the manager server 101 sets the net price to be paid to the delivery point based on the payment information and the setting information for the card payment delivery price (step 1103).

On the other hand, after the customer of the merchant completes the payment for the sales price, select the desired lottery on the lottery selection screen displayed on the touch screen unit 208 of the merchant terminal (C1). The affiliated store terminal C1 transmits the lottery issuing request information to the manager server 101 via the Internet communication network 105 based on the second coordinate data received from the touch screen unit 208 (step 1104).

The manager server 101 transmits the lottery issuing information or the non-issuance guide information to the affiliated store terminal C1 based on the lottery issuing request information and the accumulated points of the affiliated store (1105). Thereafter, the manager server 101 subtracts the points of the affiliated stores based on the lottery issuing information (1106).

10 is a flowchart illustrating another example of an operation process of the payment agency system illustrated in FIG. 1. In the present embodiment, when the merchant owner wants to pay the delivery price in cash as well as the credit card or the check card, the operation process of the payment agent system 100 is shown.

First, if the merchant owner paid the delivery price using a credit card or a check card, the delivery terminal (DD1) is for the card payment delivery price including the payment amount information, merchant code information, and delivery point code information The payment information is generated and transmitted to the manager server 101 through the VAN company server 102 (step 1201).

The manager server 101 accumulates lottery funds and merchant points for attracting customers of merchants based on payment information and setting information for the delivery payment for card payment (step 1202). The setting information includes a percentage value of the operator fee for the card payment delivery price, a percentage value of the lottery fund for the card payment delivery price, and a percentage value of the merchant points for the card payment delivery price. Further, the manager server 101 sets the net price to be paid to the delivery point based on the payment information and the setting information for the card payment delivery price (step 1203).

On the other hand, the merchant owner may wish to pay the delivery price by direct deposit or cash payment method.

The employee of the supply point may receive the code information of the affiliated store from the manager server 101 after transmitting the information of the affiliated store to the manager server 101 at the time of a new transaction with the affiliated member. In addition, the delivery point employee requests the new virtual account information connected to the mother account of the delivery point to the bank server B1 using the delivery point terminal D1. As a result, the delivery point terminal D1 receives the new virtual account information from the bank server B1 and stores it corresponding to the code information of the affiliated store.

A plurality of virtual accounts may be set to be connected to one mother account owned by the supplying point, and the plurality of virtual accounts may be granted to each affiliated store as a dedicated account for each merchant for account deposit. That is, one virtual account allows cash deposit to one merchant. The amount deposited in the plurality of virtual accounts is deposited to the parent account at once.

When the delivery company terminal DD1 is connected to the delivery point terminal D1, the delivery point terminal D1 supplies the code information of the corresponding affiliate store received from the manager server 101 and the virtual account information of the corresponding delivery point to the supplier. It can transmit to the terminal DD1. The supplier terminal DD1 stores code information of the affiliated store received from the delivery point terminal D1 and virtual account information of the corresponding supply point.

First, when the merchant owner wants to pay the delivery price by direct deposit method, the supplier operates the supplier terminal DD1, selects and selects the code information of the corresponding merchant and the virtual account information of the corresponding supplier, Enter the payment information for direct deposit into the supplier terminal DD1. The supplier terminal DD1 stores the payment information for the direct deposit entered by the supplier, and prints the payment slip for the deposit to be paid to the merchant as an invoice for the deposit according to the operation of the supplier. The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and merchant code information.

Subsequently, when the supplier or the delivery staff connects the delivery terminal DD1 to the delivery terminal D1, the delivery terminal D1 receives the payment information for direct deposit from the delivery terminal DD1. Save it.

The merchant owner operates the merchant terminal C1 for account transfer while referring to the delivery payment slip for direct deposit. As a result, the merchant terminal C1 transmits the account transfer request information related to the payment for the deposit to the bank server B1 via the Internet communication network 105. The bank transfer request information includes the transfer amount information, the merchant's transfer account information, and the delivery store's virtual account information. The bank server B1 transfers the transfer amount from the merchant's transfer account to the virtual account of the delivery store based on the account transfer request information.

When the deposit is confirmed to the virtual account of the delivery point, the bank server B1 transmits, to the delivery point terminal D1, payment confirmation information indicating the completion of the payment for the deposit for the direct deposit via the Internet communication network 105. As a result, the delivery point terminal D1 updates and stores the delivery payment information for the direct deposit so that the deposit completion information is included in the direct payment delivery information including the charge amount corresponding to the amount deposited in the virtual account of the delivery point. .

After the supplier or the branch employee connects the supplier terminal DD1 to the delivery terminal D1, the supplier terminal DD1 updates the delivery terminal terminal D1 to the supplier terminal DD1 based on the information on the payment amount for direct deposit stored in the delivery terminal D1. Update and save the stored payment information for direct deposit.

Thereafter, when the supplier visits the affiliated store, a cash receipt can be issued to the merchant owner who has completed the direct deposit, based on the payment information for the direct deposit including the deposit completion information stored in the supplier terminal DD1. have. In addition, the supplier may collect cash from the merchant owner directly after delivering the material to the merchant and issue a cash receipt.

The supplier operates the supplier terminal DD1, inquires about and selects the payment amount information for the direct deposit corresponding to the affiliated store, and then performs an input operation for issuing a cash receipt. On the other hand, if the merchant owner wants to pay the delivery price directly to the supplier in cash, the supplier collects the delivery price and operates the supplier terminal (DD1) to view and select the code information of the relevant merchant and then deliver it for cash payment. Information about the price is input to the supplier terminal DD1, and an input operation for issuing a cash receipt is performed. As a result, the supplier terminal DD1 transmits the receipt issuance approval request information to the VAN company server 102 in accordance with the operation of the supplier. After that, upon receiving the receipt issuance approval information from the VAN company server, the supplier terminal DD1 transmits the cash payment information to the manager server 101 through the VAN company server 102 (step 1204). The cash settlement information includes the receipt issuance amount, the supply point code information, and the merchant code information for the cash receipt.

The manager server 101 processes the amount corresponding to a part of the receipt issued amount based on the cash settlement information and the additional setting information with a credit card or a deposit of the corresponding delivery point (step 1205). In addition, the manager server 101 accumulates additional lottery funds and additional merchant points based on the cash settlement information and the additional setting information (step 1206).

The additional setting information includes a percentage value of the additional operator fee for the receipt issuance amount, a percentage value of the additional lottery fund for the receipt issuance amount, and a percentage value of the additional merchant points for the receipt issuance amount.

Each percentage value included in the setting information and each percentage value included in the additional setting information may be set differently.

For example, when the manager wants to facilitate the use of the credit card or the check card, the respective percentage value included in the setting information may be set larger than each percentage value included in the additional setting information. As a result, merchants can earn more points when paying with credit or check cards than with cash on delivery.

On the contrary, when the manager wants to promote the cash payment than the credit card or the check card, the manager may set each percentage value included in the additional setting information to be larger than each percentage value included in the setting information. As a result, merchants can earn more points when they pay in cash than when they pay by credit or debit card for the delivery.

On the other hand, both when the merchant pays with the credit card and the check card for the delivery price, the manager server 101 collects the manager fee, the lottery fund, and the merchant point based on each percentage value included in the setting information. Explained to calculate.

However, the percentage value applied to the calculation of the manager fee, the lottery fund, and the merchant point when the merchant pays the delivery with a credit card, and the manager fee, the lottery fund, and the merchant point when the merchant pays the delivery with the check card. The percentage value applied to the calculation of may be set differently on the manager server 101. Therefore, the manager may promote the use of the check card more than the credit card or the use of the credit card more than the check card by differentiating the points earned when the merchant uses the credit card with the points accumulated when using the check card. .

On the other hand, after step 1203 or step 1206, after the customer of the merchant completes the payment for the payment, the desired lottery is selected on the lottery selection screen displayed on the touch screen unit 208 of the merchant terminal (C1). The affiliated store terminal C1 transmits the lottery issuing request information to the manager server 101 through the Internet communication network 105 based on the second coordinate data received from the touch screen unit 208 (step 1207).

The manager server 101 transmits the lottery issuing information or the non-issuance guide information to the affiliated store terminal C1 based on the lottery issuing request information and the accumulated points of the affiliated store (1208). Thereafter, the manager server 101 subtracts the points of the affiliated stores based on the lottery issuing information (1209).

As described above, according to the operation of the payment agent system 100, since the delivery point provides a part of the price of the goods delivered to the merchant as a lottery fund and points for promotion and attracting customers, the merchant is promoted The cost burden can be eliminated. In addition, the supply point has the advantage of increasing the number of merchants to give the benefits of lottery issuance to the merchants and has the advantage of maintaining a long time with the merchants.

The manager can easily carry out the lottery business without any extra effort and expense for the preparation of the lottery fund, and reduce the burden of earning points for each merchant by inducing the merchant to consume the points by issuing the lottery. In addition, the manager can raise the recognition and response of the manager by using a portion of the lottery fund provided for the lottery winnings and returning the remaining amount to society through a scholarship or welfare project.

On the other hand, according to the operation of the payment agent system 100, not the way in which the individual directly purchases the lottery, but the way in which the individual obtains the lottery incidentally as a result of the consumption activity, it is possible to reduce the indiscriminate purchase of lottery, and sound lottery culture Can be disseminated.

Next, referring to Figures 11 and 12, the operation of the operator server 101 will be described in more detail. For convenience of description, it will be described with reference to the operation relationship between the merchant terminal (C1), the supplier terminal (DD1), the delivery point terminal (D1), the bank server (B1), the operator server (101).

FIG. 11 is a flowchart illustrating an example of an operation process of the manager server illustrated in FIG. 2, and illustrates an operation process of the manager server 101 when the merchant owner pays the delivery price using a credit card or a check card.

First, the control unit 115 of the operator server 101 determines whether payment information (that is, payment information for the payment price for card payment) is received from the supplier terminal DD1 through the VAN company server 102. (Step 2101). When the payment information is received, the controller 115 calculates the lottery fund based on the payment information and the setting information stored in the storage unit 116 and reflects the calculated lottery fund to store the lottery information stored in the lottery information DB 118. By updating and storing the fund accumulation information, the lottery fund is accumulated (step 2102).

The control unit 115 calculates merchant points based on the payment information and setting information, and updates and stores the point accumulation information for each merchant stored in the point information DB 122 to reflect the calculated merchant points, thereby earning merchant points. (Step 2103).

Further, the control unit 115 calculates the net price to be paid to the delivery point based on the payment information and the setting information, and updates and stores the net price information for each delivery point stored in the payment information DB 121 by reflecting the calculated net price. Thus, the net price to be paid to the delivery point is set (step 2104).

On the other hand, if it is determined in step 2101 that payment information is not received, the controller 115 determines whether lottery issuing request information is received from the affiliated store terminal C1 through the Internet communication network 105 (step 2105). If it is determined that the lottery issuing request information has not been received, the controller 115 repeats the operations of steps 2101 to 2105 described above.

If it is determined that the lottery issuing request information is received, the controller 115 inquires the points of the affiliate store C1 from the point accumulation information for each affiliate store stored in the point information DB 122 (step 2106). According to the inquiry result, the controller 115 determines whether the accumulated points of the affiliated store C1 satisfy the lottery issuance condition (step 2107). For example, if 200 points are required for each issuance of one lottery ticket and the number of issuance tickets is included in the lottery issuance request information, the control unit 115 stores 1000 points for the merchant C1. If it is smaller, the lottery ticket is not satisfied. In addition, the controller 115 determines that the lottery issuance condition is satisfied when the accumulated points of the affiliated store C1 are larger than 1000 points.

When the accumulated points of the affiliate store C1 satisfy the lottery issuance conditions, the controller 115 generates lottery issue information based on the lottery issue request information, and transmits the lottery issue information to the corresponding store C1 (step). 2108). Thereafter, the control unit 115 subtracts the points of the affiliated store C1 stored in the point information DB 122 by a score corresponding to the number of times the lottery is issued (step 2109).

In step 2107, when it is determined that the accumulated points of the affiliate store C1 do not satisfy the lottery issuance condition, the controller 115 transmits non-issuance guide information to the terminal of the affiliate store C1 (step 2110). After the step 2104, the step 2109, and the step 2110, the controller 115 repeats the operations of the steps 2101 to 2110.

FIG. 12 is a flowchart illustrating another example of an operation process of the manager server illustrated in FIG. 2, and illustrates an operation process of the manager server 101 when the merchant owner pays the delivery price in cash as well as a credit card or a check card.

The control unit 115 of the manager server 101 determines whether the payment for the delivery price is completed (step 2201). The control unit 115 receives the payment information for the delivery payment for card payment from the VAN company server 102, or when receiving the payment information related to the cash receipt paid to the merchant, it is determined that the payment for the delivery price is completed. do.

If it is determined in step 2201 that the payment is completed, the controller 115 determines whether the delivery price is paid by a card (ie, a credit card or a check card) (step 2202). The control unit 115 determines that the delivery price is settled to the card when receiving payment information for the delivery price for card payment from the supplier terminal DD1 through the VAN company server 102. In addition, when the control unit 115 receives cash payment information from the supplier terminal DD1 through the VAN company server 102, the controller 115 determines that the delivery price is settled in cash.

When it is determined that the delivery price is settled by the card, the control unit 115 calculates the lottery fund based on the payment information for the payment price for the card payment and the setting information stored in the storage unit 116, and calculates the calculated lottery fund. Reflecting this, by updating and storing the lottery fund accumulation information stored in the lottery information DB 118, the lottery fund is accumulated (step 2203).

The controller 115 calculates merchant points based on payment information and setting information for the delivery price for card payment, and updates and stores the points accumulated information for each merchant stored in the point information DB 122 by reflecting the calculated merchant points. By doing so, merchant points are accumulated (step 2204).

In addition, the control unit 115 calculates the net price to be paid to the delivery point on the basis of the payment information and the setting information for the delivery price for card payment, and the delivery stored in the payment information DB 121 reflecting the calculated net price By updating and storing the net price information for each point, the net price to be paid to the delivery point is set (step 2205).

On the other hand, in step 2202, when it is determined that the delivery price is settled in cash, the controller 115 issues a receipt included in the cash settlement information based on the cash settlement information and the additional setting information stored in the storage unit 116. A portion of the amount is settled with a credit card or deposit at the delivery point (step 2206). The controller 115 updates and stores credit card payment information for each delivery point or deposit information for each delivery point in the payment information DB 121 according to the payment result of step 2205.

The controller 115 calculates an additional lottery fund based on the cash settlement information and the additional setting information, and updates and stores the lottery fund accumulation information stored in the lottery information DB 118 to reflect the calculated additional lottery fund, Earn additional lottery funds (step 2207).

The control unit 115 calculates additional merchant points based on the cash settlement information and the additional setting information, and updates and stores the point accumulation information for each merchant stored in the point information DB 122 by reflecting the calculated additional merchant points. Thereby earning additional merchant points (step 2208).

On the other hand, if it is determined in step 2201 that payment is not completed, the controller 115 determines whether lottery issuance request information is received from the affiliated store terminal C1 through the Internet communication network 105 (step 2209). ). If the lottery issuing request information is not received, the controller 115 repeats the operations of steps 2201 to 2209 described above.

When the lottery issuing request information is received, the controller 115 inquires the points of the affiliate store C1 from the point accumulation information for each affiliate store stored in the point information DB 122 (step 2210). According to the inquiry result, the controller 115 determines whether the accumulated points of the affiliated store C1 satisfy the lottery issuance condition (step 2211).

When the accumulated points of the affiliate store C1 satisfy the lottery issuance conditions, the controller 115 generates lottery issue information based on the lottery issue request information, and transmits the lottery issue information to the corresponding store C1 (step). 2212). Thereafter, the control unit 115 subtracts the points of the affiliated store C1 stored in the point information DB 122 by a score corresponding to the number of times the lottery is issued (step 2213).

In step 2211, when it is determined that the accumulated points of the affiliate store C1 do not satisfy the lottery issuance condition, the controller 115 transmits non-issuance guide information to the terminal of the affiliate store C1 (step 2214). After the step 2205, the step 2208, the step 2113, and the step 2214, the controller 115 repeats the operations of steps 2201 to 2214.

The embodiments described above are for illustrating the present invention and the present invention is not limited to these embodiments, and various embodiments are possible within the scope of the present invention. Also, although not illustrated, equivalent means are also incorporated into the present invention as such. Accordingly, the scope of protection of the present invention should be construed in accordance with the following claims, and all technical ideas within the scope of equivalents thereof should be construed as being included in the scope of the present invention.

100: payment agency system 101, 101 ': manager server
102: VAN server C1 to CK, C1 ': merchant terminal
D1-DN: Delivery Point Terminal DD1-DDM: Delivery Terminal
B1 to BJ: Bank Server 103: Value Added Network
104: mobile network 105: internet network

Claims (23)

It is installed in each affiliated affiliated store and communicates with a server of value added network (VAN) through a value-added communication network, and handles credit card or check card payment processing, lottery issuance request and lottery issuance of merchant goods. A plurality of merchant terminals each including;
Credit card or check of the payment price for card payment for the material delivered to the merchant, respectively carried by the suppliers belonging to each of the delivery points subscribed to the manager, the mobile communication network with the VAN company server A plurality of supplier terminals each including a card payment processing function; And
Communicate with a VAN company server through the value-added communication network, determine whether to approve a credit or check card payment requested from one of the plurality of supplier terminals through the VAN company server, and notify the VAN company server of the result. And, based on the payment information and the setting information for the card payment delivery price received from the VAN company server, a portion of the payment payment for card payment to the lottery fund for attracting customers of the merchant, the accumulated lottery fund To store points for each merchant, store lottery fund earning information and point earning information for each merchant, and set the remaining amount excluding the operator fee and the lottery fund in the payment for card payment as the net price to be paid to the delivery shop. To store and issue a lottery ticket according to a request for issuing a lottery ticket from one of the plurality of merchant terminals. Determined as a result of settlement system comprising a management company server to notify the one of the plurality of merchant terminal, and subtracting the accumulated points of the lottery ticket is issued, merchants. The method of claim 1,
The setting information is information set in the manager server, the percentage value of the operator fee for the delivery payment for the card payment, the percentage value of the lottery fund for the delivery payment for the card payment, and the delivery payment for the card payment Contains a percentage value of merchant points for,
The payment information for the payment amount for the card payment sent by the VAN company server to the manager server is the plurality of vendors when the payment for the payment amount for the card payment is approved after requesting the approval of the credit card or the check card payment. Payment information system generated by one of the terminals and transmitted to the VAN company server, including payment amount information, merchant code information, and delivery point code information. The method of claim 2,
A plurality of bank servers each communicating with the operator server through an internet communication network; And
And a plurality of delivery point terminals respectively installed at the delivery points and communicating with the plurality of bank servers through the Internet communication network.
Each of the plurality of supplier terminals further includes a storage function and a printing function of the deposit information for the deposit, which is input according to the operator's operation, and according to the operator's operation, the deposit amount for the deposit which is a bill to be paid to the merchant. Print the documents,
The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and merchant code information.
Each of the plurality of delivery point terminals communicates with one of the plurality of delivery terminal terminals when one of the plurality of delivery terminal terminals is connected to receive and store the payment information for direct deposit, and the plurality of bank servers Receiving payment confirmation information from one of the payment agency system for updating and storing the payment information for the direct deposit so that the deposit completion information is included in the payment information for the direct deposit, including the charge amount corresponding to the deposit amount . The method of claim 3,
Each of the plurality of delivery terminals further includes a cash receipt issuing function, and is connected to one of the plurality of delivery point terminals to receive the renewal and stored payment information for direct deposit according to an operation of a delivery person or a delivery point employee. And store the receipt issuance approval request information to the VAN company server according to a supplier's operation, and when receipt receipt approval information is received from the VAN company server, cash payment information is sent to the manager server through the VAN company server. Send and print a cash receipt to be paid to a merchant based on the receipt issuance approval request information and the receipt issuance approval information,
The cash settlement information includes a receipt issued amount, supply point code information, and merchant code information.
The manager server stores the credit card information or the deposit information of the delivery points, respectively, and receives the cash payment information, based on the cash payment information and additional setting information, the amount corresponding to a part of the receipt issued amount Process the payment with the credit card or the deposit of the delivery point, and based on the cash settlement information and the additional setting information, a portion of the amount paid with the credit card or the deposit of the delivery point is added to attract the customer of the merchant. Earn with a lottery fund, earn additional merchant points corresponding to the additional lottery funds accumulated, and based on the additional lottery fund and the additional merchant points, the lottery fund accumulation information and the points earned information for each merchant To store each renewal and add the rest of the amount paid with the credit card or deposit at that delivery point. Billing agency system to set up as a manager fee. 5. The method of claim 4,
The additional setting information is information set in the manager server, the percentage value of the additional operator fee to the receipt issuance amount, the percentage value of the additional lottery fund to the receipt issuance amount, and the receipt issuance A percentage value of said additional merchant points for an amount,
Each percentage value included in the setting information and each percentage value included in the additional setting information are differently set in the manager server,
The amount written on the cash receipt printed by one of the plurality of delivery terminals includes the charge amount of the received payment information for deposit, or the supplier directly collects the delivery payment for cash payment from the merchant. Payment agency system including the cash payment amount entered into the terminal. The method of claim 1, wherein each of the plurality of affiliated store terminals,
A card reader unit for reading magnetic data recorded on a credit card or a check card according to a user's operation;
An input unit including a plurality of input keys and generating an input signal corresponding to a user's input operation;
A storage unit for storing payment related programs and lottery related programs;
A controller configured to execute the payment related program and the lottery related program in response to the input signal;
A display unit for displaying first screen information indicating a payment progress process under the control of the controller;
A printer for printing a credit card sales slip based on first output information received from the controller, or printing at least one lottery ticket based on second output information received from the controller;
Under the control of the controller, the second screen information for the signature input or the third screen information for the lottery selection input is displayed, and the first coordinate data corresponding to the signature input or the lottery selection input is detected by detecting the contact of the merchant customer. A touch screen unit configured to output second coordinate data corresponding to the touch screen unit;
A first communication unit for interfacing communication between the VAN company server and the control unit through the value added communication network;
A second communication unit for interfacing communication between the operator server and the control unit through an internet communication network; And
A plurality of operating powers are generated based on an external power source, and the plurality of operating powers are supplied to the card reader unit, the input unit, the storage unit, the control unit, the display unit, the printer, the touch screen unit, the first communication unit, And a power supply unit respectively supplying the second communication unit. The method according to claim 6,
The storage unit further stores information about the number of lottery issuance by payment amount range,
The number of lottery tickets issued for each payment amount range may be changed and set by a user's input through the input unit.
The payment related program executed in the control unit receives the magnetic data from the card reader unit, and stores the credit card or check card information included in the magnetic data and the selling price input by the user through the input unit. Transmitting payment approval request information including information on the VAN company server through the first communication unit, and receiving payment approval information from the VAN company server, outputting the second screen information to the touch screen unit; Recognizing shape information input to the touch screen unit based on the first coordinate data received from the touch screen unit, and generating the first information based on the payment approval request information, the payment approval information, and the shape information. Output the output information to the printer,
The lottery-related program executed by the controller may be configured based on the information on the payout received from the payment-related program and information on the number of lottery issuance for each payment amount range read out from the storage unit. Outputs information to the touch screen unit, generates lottery issuing request information based on the second coordinate data received from the touch screen unit, and transmits the lottery issuing request information to the operator server through the second communication unit; And outputting the second output information to the printer when receiving the lottery issuing information from the manager server, and touching the fourth screen information including the non-issuable contents when receiving the non-issuance guide information from the manager server. Payment agency system to output to the screen. The method according to claim 6,
The at least one lottery ticket printed by the printer is a lottery lottery ticket, in which the winning or not is later confirmed through the drawing or an instant lottery ticket, which is confirmed at the time of printing.
The lottery ticket is a billing agent system that automatically lists the automatic combination number according to the automatic selection of the merchant customer or a combination number selected by the merchant customer. The method of claim 7, wherein
Each of the plurality of merchant terminals further includes a cash settlement processing function of the selling price,
The card reader unit further reads the magnetic data recorded on the cash receipt card according to the user's operation,
The payment related program may include cash receipt card information included in magnetic data of the cash receipt card received from the card reader unit, cash receipt subscriber information input by a user through the input unit, and information about the selling price. Further transmitting the receipt issuance approval request information including the receipt issuance approval request information and the receipt issuance approval information from the VAN company server through the first communication unit, and receives the receipt issuance approval information from the VAN company server Further output the generated third output information to the printer,
And the printer prints a cash receipt on the basis of the third output information. The method according to claim 6,
The settlement agent system further includes a plurality of bank servers communicating with the operator server and the plurality of affiliated terminals, respectively, through the Internet communication network.
Each of the plurality of supplier terminals further includes a storage function and a printing function of the deposit information for the deposit, which is input according to the operator's operation, and according to the operator's operation, the deposit amount for the deposit which is a bill to be paid to the merchant. Print the documents,
The payment information for direct deposit includes a billing date, a billing amount, a virtual account information of a delivery point, and merchant code information.
And the second communication unit of each of the plurality of affiliated store terminals further interfaces communication between one of the plurality of bank servers and the control unit through the Internet communication network. The method of claim 10,
The payment agency system further includes a plurality of delivery point terminals respectively installed at the delivery points and communicating with the plurality of bank servers through the Internet communication network, respectively.
The storage unit further stores the Internet access program,
The control unit further executes the Internet access program according to a user's operation through the input unit, and executes a plurality of account transfer request information including transfer amount information, transfer account information of a merchant, and virtual account information of a delivery store. Send to one of your bank's servers,
One of the plurality of bank servers receives the account transfer request information, transfers the transfer amount from the merchant's transfer account to the delivery account's virtual account based on the account transfer request information, and deposits the virtual account of the delivery point. A payment agent system for transmitting confirmation information to one of the plurality of delivery point terminals. The method of claim 6, wherein each of the plurality of affiliated store terminals,
At least one additional touch screen unit displaying the second screen information or the third screen information under the control of the controller and detecting the contact of the affiliated store customer and outputting the first or second coordinate data; And
At least one lottery printer installed adjacent to the touch screen unit or the at least one additional touch screen unit and printing at least one lottery ticket based on the second output information received from the controller; Agency system. The method of claim 1, wherein the manager server,
An input unit including a plurality of input keys and generating an input signal corresponding to a user's input operation;
A storage unit for setting information necessary for the calculation of the lottery fund, points for each merchant, and net price for each delivery point, and a payment management program, a lottery management program, a point management program, and a lottery generation program;
A control unit for executing the payment management program, the lottery management program, the point management program, and the lottery generation program;
A display unit displaying screen information for an administrator under control of the controller;
A first communication unit for interfacing communication between the VAN company server and the control unit through the value added communication network;
A second communication unit for interfacing communication between the control unit and one of a plurality of supply point terminals or one of the plurality of affiliated store terminals respectively installed at the supply points through an internet communication network;
An affiliate store information DB (data base) storing affiliate store information;
A delivery point information DB storing delivery point related information;
A payment information DB for storing payment related information under control of the controller;
A lottery information DB for storing lottery information under the control of the controller;
A point information DB for storing point earning information for each affiliated store under the control of the controller; And
A plurality of operating powers are generated based on an external power source, and the plurality of operating powers are generated by the input unit, the storage unit, the control unit, the display unit, the first communication unit, the second communication unit, the affiliated store information DB, and the delivery point. And a power supply unit for supplying an information DB, the payment information DB, the lottery information DB, and the point information DB, respectively. The method of claim 13,
The setting information stored in the storage unit may include a percentage value of an operator fee for the card payment delivery price, a percentage value of a lottery fund for the card payment delivery price, and an affiliate store point for the card payment delivery price. Contains a percentage value,
Each of the percentage value can be changed and set according to the administrator's input through the input unit. 15. The method of claim 14,
The affiliated store related information includes affiliated store registration information, affiliated store code information, affiliated store credit card information, and affiliated store check card information,
The delivery point-related information, including subscription information for each delivery point, code information for each delivery point, and credit card information for each delivery point,
The payment related information includes credit card payment information for each merchant, credit card payment information for each delivery point, deposit information for each delivery point, and net price information for each delivery point,
The lottery-related information, lottery fund accumulation information, lottery issuance history information, and the payment agency system including a lottery information. 16. The method of claim 15,
The payment agent system further includes a plurality of bank servers each communicating with the operator server and the plurality of merchant terminals through the Internet communication network,
The second communication unit further interfaces the communication between one of the plurality of bank servers and the control unit through the Internet communication network,
The payment management program executed in the control unit,
Receiving credit settlement approval request information including credit card information and credit settlement amount of an affiliate store from the VAN company server through the first communication unit, the credit settlement approval request information, credit card information for each affiliate store, and each affiliate store It is determined whether the payment is approved based on the credit card payment information, and according to the result of the determination, the credit approval information or non-authorization information is transmitted to the VAN company server, and the merchant is checked from the VAN company server through the first communication unit. Upon receiving check payment approval request information including card information and check payment amount, based on the check payment approval request information and the check card information for each affiliate store, the check card information of the affiliate store, the check payment amount, and the manager's By sending request information including account information to one of the plurality of bank servers, the plurality of banks. A check payment approval information when receiving the charge completion information from one of a server, sends a non-acknowledgment information when it receives a non-billable information from one of the plurality of the bank server, each of the VAN company server,
When receiving payment information for the payment amount for the card payment including payment amount information, merchant code information, and delivery point code information from the VAN company server, update and store the credit card payment information for each merchant stored in the payment information DB And calculate lottery funds, merchant points, and operator fees, respectively, based on the payment information and the setting information for the payment amount for card payment, and calculate the results of the lottery funds and merchant points for the lottery management program and point management program. Respectively, and further calculates the delivery point net price based on the payment information and the setting information of the delivery price for the card settlement, and updates the net price information for each delivery point stored in the payment information DB according to the calculation result. Save it,
The payment information for the payment amount for the card payment received by the payment management program from the VAN company server is generated by one of the plurality of provider terminals when the payment for the payment amount for the card payment is approved. Information sent to the VAN company server,
The lottery management program executed in the control unit updates the lottery fund accumulation information stored in the lottery information DB by storing the lottery fund calculated by the payment management program, and stores the plurality of affiliated terminals through the second communication unit. Upon receiving lottery issuing request information including lottery selection information and affiliated store code information from one of the above, the lottery issuing information is determined based on the lottery issuing request information and point accumulation information for each affiliated store, and the lottery issuing information is based on the result. Or when the non-issuance guide information is transmitted to one of the plurality of affiliated store terminals, and the lottery issue information is transmitted to one of the plurality of affiliated store terminals, the lottery issuance history stored in the lottery information DB based on the lottery issue information. Renew and store information and join the point management program And outputs the code information and the number of issued lottery information,
The lottery generating program executed by the control unit generates the lottery issuing information based on the lottery selection information received from the lottery management program, outputs the lottery issuing information to the lottery management program,
The point management program executed by the control unit, based on the merchant points calculated by the payment management program, by storing the points of the affiliated stores by updating the point accumulation information for each affiliated store stored in the point information DB, the lottery The settlement agent system for updating and storing the point accumulation information for each affiliated store stored in the point information DB by subtracting the accumulated points of the affiliated store, based on the affiliated store code information and the number of lottery issuance information received from the management program. 17. The method of claim 16,
The lottery generating program executed by the controller generates the lottery issuing information including the winning related information when the lottery selection information is related to the instant lottery,
The lottery management program executed in the control unit, the settlement agency system to determine whether there is a winning lottery based on the winning related information, and updating and storing the winning lottery information stored in the lottery information DB according to the determination result. 16. The method of claim 15,
The storage unit further stores additional setting information necessary for calculation of additional lottery funds, additional merchant points, and additional operator fees,
The payment management program executed in the control unit, through the first communication unit through the first communication unit cash payment information including the receipt issuance amount, delivery point code information, and merchant code information for the cash receipt paid to the merchant from the VAN company server; Upon receipt, the additional lottery fund, the additional merchant point, and the additional operator fee are respectively calculated based on the cash settlement information and the additional setup information, and the additional lottery fund and the additional affiliate store are respectively calculated. The calculation result of the points is output to the lottery management program and the point management program, respectively, and the amount corresponding to the additional lottery fund and the additional manager fee is based on the cash settlement information and the additional setting information. Payment by credit card or deposit of the year, stored in the payment information DB Renew and store the credit card payment information of the shop, or deduct the deposit of the shop,
The lottery management program executed by the control unit updates and stores the lottery fund accumulation information stored in the lottery information DB based on the additional lottery fund calculated by the payment management program,
The point management program executed in the control unit updates and stores point earning information for each affiliated store stored in the point information DB by accumulating points of the corresponding affiliated store based on the additional affiliated store points calculated by the payment management program. Payment agency system. 19. The method of claim 18,
The additional setting information includes a percentage value of an additional operator fee for the receipt issuance amount, a percentage value of an additional lottery fund for the receipt issuance amount, and a percentage value of an additional merchant point for the receipt issuance amount. and,
Each of the percentage values included in the additional setting information may be changed and set according to an administrator's input through the input unit.
And each percentage value included in the setting information is different from each percentage value included in the additional setting information. The method of claim 13,
The operator server further includes a subscriber information DB in which personal subscriber related information is stored, and further determines whether to approve a credit card or a check card payment requested from one of the plurality of affiliated terminals through the VAN company server. Further notify the VAN company server,
The power supply unit of the operator server further supplies operating power to the subscriber information DB,
The payment related information, credit card payment information for each merchant, credit card payment information for each delivery point, the deposit information for each delivery point, the net price information for each delivery point, and the billing agent system for each individual credit card payment information. A supplier terminal carried by a supplier belonging to a supplier affiliated with a manager when payment using a merchant's credit card or a check card is approved for a card payment delivery price of material delivered to a member affiliated with a manager Transmitting the payment information for the card payment delivery price to a manager server through a VAN company server;
Accumulating, by the manager server, a lottery fund and affiliate store points for attracting customers of the affiliate store based on the payment information and setting information;
Setting, by the manager server, a net price to be paid to a delivery point based on the payment information and the setting information;
Transmitting, by the affiliated store terminal installed in the affiliated store, lottery issuing request information to the operator server through an internet communication network;
Transmitting, by the manager server, lottery issuing information or non-issuance guide information to the affiliated store terminal based on the lottery issuing request information and the accumulated points of the affiliated store; And
Subtracting, by the manager server, points of the affiliated store based on the lottery issuing information,
The setting information includes a percentage value of an operator fee for the payment amount for the card payment, a percentage value for the lottery fund for the payment amount for the card payment, and a percentage value for the merchant point for the payment amount for the card payment. ,
The payment information is generated by the provider terminal at the time of payment of the payment using the credit card or the check card of the merchant, the operation of the payment agency system including payment amount information, merchant code information, and delivery point code information Way. The method of claim 21,
Prior to the step of transmitting the lottery issuing request information,
When receiving receipt issuance approval information from the VAN company server, cash payment information including the receipt issuance amount, delivery point code information, and merchant code information for the cash receipt paid to the merchant by the supplier terminal said; Transmitting to the operator server through a VAN company server;
Processing, by the manager server, an amount corresponding to a part of the receipt issuance amount based on the cash settlement information and the additional setting information with a credit card or a deposit of a corresponding delivery point; And
By the manager server, accumulating additional lottery funds and additional merchant points based on the cash settlement information and the additional setting information;
The amount described in the cash receipt printed by the supplier terminal includes the charge amount of the payment information for the direct deposit received from the merchant's transfer account into the virtual account of the supplier or the supplier pays the cash from the merchant. Method of operation of the payment agency system including the cash payment amount entered into the terminal after the direct collection of the delivery price. The method of claim 22,
The additional setting information includes a percentage value of an additional operator fee for the receipt issuance amount, a percentage value of an additional lottery fund for the receipt issuance amount, and a percentage value of an additional merchant point for the receipt issuance amount. and,
And each percentage value included in the setting information and each percentage value included in the additional setting information are differently set in the manager server.

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