KR101301419B1 - Payment method using pre-paid card - Google Patents

Abstract

There is provided a payment method using a prepaid card that can be used in stores and other merchants that issued the prepaid card. In the payment method using the prepaid card of the present invention, a) the issuer server receiving the payment approval request including prepaid card information, payment amount information, and merchant information from the broker server, the balance of the prepaid card corresponding to the prepaid card information is increased. Checking whether the payment amount is sufficient than the payment amount included in the payment information, subtracting the amount corresponding to the payment amount from the prepaid card balance and transmitting the payment approval response to the agency server; b) prepaid card information from the sales system; The issuing server which receives the payment request including the payment amount and the intention to use the earned points subtracts the earning points of the prepaid card, and subtracts the difference between the payment amount and the amount corresponding to the deducted points from the prepaid card balance. With steps. According to the present invention, since the customer does not have to carry a separate point card, and can purchase the product at a price reflecting the price of the point at which the amount was accumulated, there is no fear of deterioration in purchasing power due to the inflation which is a problem of the prepaid card.

Description

Payment method using prepaid card {Payment method using pre-paid card}

The present invention relates to a payment method, and more specifically, to store the amount for payment in the payment server of the seller who operates the POS system to use the accumulated amount to pay in the POS system or to pay to other merchants And it relates to a payment method and system to be able to use the points earned in accordance with the payment at the time of payment through the POS system. In addition, the present invention relates to a payment method that allows the payment to be made by reflecting the price level at the time of payment when using the accumulated amount.

Generally, credit card, prepaid card, and cash are used as a payment method for the purchase price of the product, and a point card (for example, OK cashback) separate from these payment methods is used to accumulate points according to the amount of purchase. have. Therefore, it is inconvenient for the user to carry a payment method and a point card, respectively, and the seller is burdened because he has to pay a payment fee to a credit card company and a point fee to a point earning agency.

On the other hand, some companies operate direct point earning services to reduce fees paid to point earning agencies, but if the number of merchants that accumulate points and use them is low, there is a risk of being neglected by customers. The direct operation of the service is expensive, so it is not easy to apply except for large companies. In order to solve this problem, as in Patent Registration No. 801500, a system for integrating and managing points has been proposed, but it is not easy to apply due to the interests between the points earning agencies.

On the other hand, in order to reduce the indiscriminate consumption associated with the use of credit cards, an increasing number of people use the prepaid card to pay, but despite the fact that the money has been deposited in advance, there are not many benefits of using the prepaid card. However, since the operating entity of the prepaid card is a financial company, there is no special advantage from the seller's point of view, so it does not actively encourage the use of the prepaid card.

The present invention has been made in view of the above points, so that a customer may store an amount for payment in a payment server of a seller who operates a POS system and use the accumulated amount to make a payment in the corresponding POS system or to another merchant. And to provide a payment method that allows you to use the points earned in accordance with the payment at the time of payment through the POS system. Another object of the present invention is to provide a payment method and system using a prepaid card that can be used as a single point card and prepaid card. Another object of the present invention is a payment method that allows the customer to benefit by using the payment method of the present invention by allowing the customer to pay by reflecting the price level at the time of payment when using the accumulated amount To provide.

The payment method using the prepaid card of the present invention for achieving the above object, the issuer server that stores information about the amount of each customer's recharge amount and earning points, a sales system connected to the issuer server, and a plurality of In the payment method using a prepaid card in a sales system comprising a merchant terminal, a broker server connected to the plurality of merchant terminals and a communication network and acting as an intermediary between the plurality of merchant terminals and the issuer server, a) the merchant terminal transmitting a payment approval request including prepaid card information, payment amount information, and merchant information to the broker server through the communication network; and b) transmitting the payment approval request received from the broker server to the issuer server. And c) corresponding to the prepaid card information included in the payment approval request received from the issuer server. Checking the balance of the payment card, if more than the amount included in the payment information is charged, the payment approval response to the broker server, and subtracting and storing the payment amount from the prepaid card balance, and d) the broker server Transmitting a payment approval response to the affiliated terminal when receiving a payment approval response from a server; and e) when the issuer server receives a payment settlement request from an intermediary server, increasing the earning point of the prepaid card according to the payment amount; f) Upon receiving a payment request including payment amount, prepaid card information, and intention to use earned points from the sales system, the issuing server subtracts the accumulated points by a predetermined point for the prepaid card and deducts the amount corresponding to the deducted points. And saving the difference subtracted from the payment amount from the prepaid card balance. .

In the payment method using a prepaid card in the issuer server of the present invention, a) an issuer server receiving a payment approval request including prepaid card information, payment amount information, and merchant information from an intermediary server corresponds to the prepaid card information. Checking whether the balance of the prepaid card is more than the payment included in the payment information, and subtracting the amount corresponding to the payment from the prepaid card balance and sending the payment approval response to the broker server if the balance is sufficient; b) the sales system The issuing server, which receives the payment request including the prepaid card information, the payment amount, and the intention to use the earned points, deducts the accumulated points of the prepaid card, and prepays the difference between the amount of the payment and the deducted points. Subtracting from the balance of the card.

The issuer server increases the accumulated points of the prepaid card according to the payment amount using the prepaid card. In addition, when the payment is made by using the points together with the prepaid card, the issuer server accumulates the points corresponding to the amount of points deducted from the payment amount for the prepaid card.

The issuer server may register a plurality of prepaid cards in association with one customer, and the issuer server may collectively accumulate the points used in the plurality of prepaid cards for the corresponding customer.

When a payment request using a prepaid card is made in the sales system, the sales system may transmit information about the purchased goods in addition to the payment amount and prepaid card information to the issuer server. If there is a product that has a price increase by comparing the price of each purchased product, information about the discounted amount discounted by the increase is transmitted to the sales system, and the amount calculated by deducting the discount amount from the payment amount is deducted from the prepaid card balance and stored. do.

Alternatively, the issuer server may calculate the product purchase price of the customer by the product of the inflation rate and the accumulation period of the prepaid card amount used to purchase the product, and accumulate points or charge the amount. .

According to the present invention, since the customer can purchase the product at the merchant as well as other merchants with the amount previously accumulated to the seller, the prepaid card can be conveniently used from the customer's point of view, and the cash flow is improved from the seller's point of view. In addition, since the company does not have to use third-party point earning services, the cost can be reduced, and the card fee can be lowered as much as the reduced cost. In addition, from the customer's point of view, there is no need to carry a loyalty card separately, and the product can be purchased at a price reflecting the price of the point at which the amount was accumulated.

1 is a network diagram for explaining the payment method and system of the present invention.
Figure 2 is a block diagram showing the internal configuration of the issuer server.
3 is a diagram illustrating a data flow when a payment is made using a prepaid card in a POS terminal.
FIG. 4 is a diagram illustrating a data flow when a payment is made using a prepaid card and points accumulated in a corresponding customer in a POS terminal.
FIG. 5 is a diagram illustrating a data flow when a merchant pays using a prepaid card.
6 is a network diagram showing the configuration of a payment system of the present invention when an online shopping mall is operated by an issuer.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the drawings.

1 is a network diagram for explaining the payment method and system of the present invention.

The issuer that issues the prepaid card for payment of the present invention performs the payment procedure using the issuer server 100. Customers can purchase a prepaid card with a certain amount from the issuer or receive a prepaid card after signing up for a prepaid card service and deposit the amount from time to time. Deposited amount, payment details, earned points, etc. are stored in the customer DB (160) connected to the issuer server (100).

The issuer has a point-of-sale information management system (hereinafter referred to as 'POS system') installed in its stores, and a POS server to which a plurality of POS terminals 201a, .., 201n are connected. Issuer server 100 is connected to (200). The prepaid card payment information through the POS terminal in the issuing store of the issuer is transmitted to the issuing server 100 through the POS server 200, and the issuing server 100 approves the prepaid card payment through the POS terminal, earns points, It handles tasks such as prepaid card balance settlement. Customers can also shop using the points earned on their prepaid card at the issuer's store.

In addition, when paying with a prepaid card at the issuer's store, the issuing server 100 may make a payment reflecting the price level at the time the money is deposited on the prepaid card, or make a payment at the current price every time. A method of offsetting the decrease in purchasing power due to inflation, such as accumulating the difference in the price when the prepaid card is reflected in the price level when it is deposited, or adding points (hereinafter, referred to as 'price hedging method'). May be adopted.

Prepaid cards issued by the issuer may also be used at merchants other than the issuer's store. To this end, affiliated store terminals 301a,..., 301m are installed for each affiliated store. Merchant terminal (301a, .., 301m) is connected to the VAN company server 320 through a Value Added Network (hereinafter referred to as 'VAN'). When the customer requests a payment using a prepaid card, the merchant reads the information of the prepaid card using the merchant terminal and transmits it to the VAN company server 320 through the VAN along with the payment request. The VAN company server 320 is connected to the issuer server 100 by a leased line, a virtual leased line, the Internet, and the like, and informs the merchant terminal of the payment after obtaining the payment approval from the issuer server 100. The issuer server 100 processes the approval of the prepaid card payment through the merchant terminal, the point accumulation, the settlement of the prepaid card reserve. The issuer server 100 stores information related to the prepaid card payment details in the customer DB for each customer who uses the prepaid card. It can also be configured to store the prepaid card sales for each merchant in a separate merchant DB (not shown).

The VAN company server 320 notifies the purchaser server 310 of information on the details of payment each time the prepaid card is settled. The purchaser server 310 sums up the prepaid card sales of each affiliated store from the payment history information received from the VAN company server 320 and periodically requests settlement of the issuer server 100. The issuer server 100 pays the purchaser a limited amount of points accumulated in the settlement amount according to the settlement request details and the database details managed by the issuer server 100 itself. The purchaser server 310 pays the merchant at a predetermined time, for example, at a predetermined payment date or within a predetermined period from the date of the payment of the prepaid card at the affiliated store. Purchaser server 310 may be paid to the affiliated shop, except for a predetermined payment fee or marketing agency fee in addition to the point earning cost. Alternatively, instead of deducting the fee from the merchant payment fee, the issuer server 100 pays the purchaser a limited amount of point accumulation cost and fee from the payment amount, and the issuer server 100 by the amount corresponding to the fee. It is also possible to further accumulate points, and to later subtract the points corresponding to the fee and settle the amount corresponding to the points from the issuer server 100 to the purchaser server 310.

Alternatively, the issuer server 100 pays the payment amount to the purchaser, and the purchaser server 100 pays the merchant a limited amount of a predetermined payment fee from the payment amount, so that the issuer bears the point accumulation cost. It is also possible.

Meanwhile, although the VAN company server 320 and the purchase company server 310 are illustrated as being separately present in FIG. 1, the VAN company server 320 and the purchase company server 310 may be integrated into one server. . In the following description, the VAN company server 320 and the purchase company server 310 will be collectively described as a broker server 300.

Next, an internal configuration of the issuer server 100 will be described with reference to FIG. 2.

Merchant payment processing unit 110 communicates with the broker server 300 through the network interface 120. The network interface 120 may use various communication interfaces such as a dedicated line interface, a virtual leased line interface, an internet interface, a LAN interface, and a wireless LAN interface. When the merchant payment processing unit 110 receives the payment approval request from the broker server 300, the DB manager 150 checks the customer's prepaid card balance in the customer DB 160, and if the balance is sufficient, the network interface ( The payment approval is transmitted to the broker server 300 through 120. Merchant payment processing unit 110 also receives a settlement request from the broker server 300, after checking the payment details at each merchant in the merchant DB 170 through the DB management unit 150 to limit the amount of points from the payment amount Transfer to the broker account, and reflected in the customer DB (160) through the DB management unit 150 to earn the points earned for each payment to each customer.

The POS payment processing unit 130 communicates with the POS server 200 through the POS interface 140. The POS interface 140 may use various communication interfaces such as a dedicated line interface, a virtual leased line interface, an internet interface, a LAN interface, and a wireless LAN interface. The POS payment processing unit 130 receives the prepaid card payment information or point usage information through the POS terminal from the POS server 200 through the POS interface 140 at the issuer's store, approving the prepaid card payment, earning points, and prepaid card. It handles tasks such as balance settlement and point settlement.

Customer DB 160 may store personal information, such as a customer's unique number, address or contact information, the amount of payment and the date of deposit, the current balance, payment details, points earned, point usage history, current points, and the like. The contact information of the customer may include a mobile phone number or an e-mail address of the customer, and the issuer server 100 contacts the customer whenever a prepaid card payment request is received from the POS server 200 or the broker server 300. You can notify the fact of payment. You can use multiple prepaid cards of one customer. To this end, the customer DB 160 may store unique IDs of prepaid cards possessed by each customer.

Prepaid cards can be provided in various types, such as fixed-line prepaid cards that can be purchased and used at gift shops and gifted, and free-standing prepaid cards that customers can earn and use at any time. Do. The issuer server 100 may register a plurality of prepaid cards in association with one customer, and may be configured to collectively accumulate points for the corresponding customers. Can be. In other words, even if a single customer has a plurality of prepaid cards, it is preferable that the points according to the payment are not accumulated separately for each prepaid card, but are integrated for the corresponding customer. In addition, a separate prepaid card DB 180 may be provided for storing information for each prepaid card in case of using the flat card as a bearer. If you use a bearer, you may not earn points. The prepaid card DB 180 may store a unique prepaid card ID of each prepaid card, a balance of the corresponding prepaid card, and information about payment details using the prepaid card.

The affiliated store DB 170 stores information about each affiliated store, payment details at each affiliated store, settlement details, and the like. The information on the affiliated store may include the name, address, contact information, affiliated date, the contents of the affiliated condition, information on the affiliated owner, and the like.

On the other hand, although not shown in the figure, the issuing server 100 is a web having a user interface that allows the user to query the prepaid card details, point inquiry, customer information updates, prepaid card amount charges, etc. via the Internet, etc. The server may further include an administrator interface for allowing employees of the issuing company to manage the issuing server 100.

Next, the payment method using the prepaid card of the present invention will be described in detail.

A customer who wants to use a prepaid card purchases a rechargeable prepaid card at an issuer store and then recharges the money or purchases a flat prepaid card with a predetermined amount. The customer using the prepaid card can register the prepaid card by filling in the customer information such as his / her contact information by accessing the issuing server through the Internet. The prepaid card has a unique prepaid card ID, so that the customer registers the prepaid card ID when registering the prepaid card. Or, if a prepaid card is applied by entering customer information in an issuance application form at the issuer store, the issuer sends the customer information and prepaid card information to the customer DB 160 and the prepaid card DB 180 of the issuer server 100. You can also register.

Customers with a prepaid card filled with money can make a payment using a prepaid card at the issuer's store. 3 is a diagram illustrating a data flow when a payment is made using a prepaid card in a POS terminal installed in a store of an issuer.

The POS terminal 201 calculates the total amount in the POS server 200 by checking the goods that the customer has shopped in the POS terminal 201, and when the customer pays the amount of the prepaid card, the POS terminal 201 displays the information of the prepaid card. Read and transmit to the POS server 200, the payment using a prepaid card goes through the following process.

1. POS server 200 transmits the information including the total payment amount, prepaid card information to the issuing server server (100).

2. The issuing server 100 checks the prepaid card DB 180 and checks whether the balance charged in the prepaid card is larger than the settlement amount, and if the balance is sufficient, deducts the balance by the settlement amount. In addition, when information about the customer of the prepaid card is stored in the prepaid card DB 180, points are added as much as points corresponding to the payment amount in the record of the customer in the customer DB 160. If information about the customer of the prepaid card is not stored in the prepaid card DB 180, it is also possible to configure to accumulate points in the record of the prepaid card of the prepaid card DB 180.

3. If the balance is sufficient and the balance is subtracted by the payment amount, the issuer server 100 transmits the payment approval to the POS server 200. On the other hand, when the balance is insufficient, the issuer server 100 notifies the POS server 200 of the lack of the balance. In addition, the issuer server 100 may transmit information regarding a payment amount, a payment place, and the like to the contact information of the corresponding customer.

On the other hand, when points are accumulated in the prepaid card user, the payment can be made using points along with other payment methods. Of course, if you have enough points, you can pay only with points. FIG. 4 is a diagram illustrating a data flow when a payment is made using a prepaid card and points accumulated in a corresponding customer in a POS terminal.

The POS terminal 201 checks the merchandise shopped by the customer at the POS terminal 201, and the total amount is calculated at the POS server 200, and when the customer pays the amount as a prepaid card and a point, the POS terminal 201 receives the prepaid card. After reading the information and transmitting it to the POS server 200, the payment using the prepaid card and the point goes through the following process.

1. The POS server 200 transmits information including the total payment amount, prepaid card information, and point intention to the issuer server 100.

2. The issuing server 100 checks the prepaid card DB 180 and checks whether the balance and the accumulated points remaining in the corresponding prepaid card are larger than the settled amount, and deducts the accumulated points by a predetermined point if the balance is sufficient. The amount corresponding to the deducted point is subtracted from the prepaid card balance. The amount of points deducted can vary depending on the issuer's policy. For example, the points can be used in units of 5,000 won, or the accumulated points can be used. In addition, when information about the customer of the prepaid card is stored in the prepaid card DB 180, the point is added to the point corresponding to the payment amount using the prepaid card in the record of the customer in the customer DB 160. . If information about the customer of the prepaid card is not stored in the prepaid card DB 180, it may be configured to accumulate points in the record of the prepaid card of the prepaid card DB 180.

3. When the balance is sufficient and the prepaid card and the point balance are deducted by the payment amount, the issuer server 100 transmits the payment approval to the POS server 200. On the other hand, when the balance is insufficient, the issuer server 100 notifies the POS server 200 of the lack of the balance. In addition, the issuer server 100 may transmit information regarding a payment amount, a payment location, a deduction point, etc. to a contact of the corresponding customer.

Customers who have a prepaid card can make payments using this prepaid card at other affiliated stores besides the issuer's store. However, in the case of using the prepaid card at the merchant, it is preferable to accumulate points according to the payment amount, but not to use the points at the merchant. Referring to Figure 5 will be described the procedure when the payment in the merchant using a prepaid card. FIG. 5 is a diagram illustrating a data flow when a merchant pays using a prepaid card.

1. When a customer who shops at a merchant makes payment as a prepaid card, the merchant terminal 301 reads the information of the prepaid card to display information including the total payment amount, information about the prepaid card, and the merchant information (the broker server). 300) and request for payment approval.

2. The agency server 300 requests payment approval while transmitting the information received from the affiliated store terminal 301 to the issuer server 100.

3. The issuing server 100 checks the prepaid card DB 180 and checks whether the balance charged in the prepaid card is greater than the payment amount, and if the balance is sufficient, deducts the balance by the payment amount. In addition, the merchant stores information related to payment details, such as payment date, payment amount, used prepaid card, and affiliated stores, in the affiliated store DB 170.

4. If the balance is sufficient and the balance is subtracted by the payment amount, the issuer server 100 transmits the payment approval to the broker server 300. On the other hand, when the balance is insufficient, the issuer server 100 notifies the broker server 300 that the balance is insufficient. In addition, the issuer server 100 may transmit information regarding a payment amount, a payment place, and the like to the contact information of the corresponding customer.

5. The broker server 300 receiving the payment approval notifies this to the affiliated store terminal 301, and stores information about a payment date, a payment amount, and an affiliated store.

6. The broker server 300 makes a settlement request to the issuer server 100 every fixed period or within a predetermined period from the settlement date according to the contract with the issuer. When the settlement request is made, data on payment details of each affiliate may be transmitted together.

7. The issuer server 100 receiving the settlement request accumulates points for the corresponding customer or prepaid card in connection with the settlement details. When information about the customer of the prepaid card is stored in the prepaid card DB 180, points are added as much as points corresponding to the payment amount in the record of the customer in the customer DB 160. If information about the customer of the prepaid card is not stored in the prepaid card DB 180, it is also possible to configure to accumulate points in the record of the prepaid card of the prepaid card DB 180. On the other hand, it is also possible to configure to earn points while deducting the balance in step 3.

8. If the settlement request matches the contents of the database of the issuing server 100, the issuing server 100 deposits the requested amount into the account of the broker on the predetermined date. On the other hand, according to the embodiment it is also possible to configure to deposit a limited amount of costs according to the points earned.

9. The broker server 300 deposits the settlement amount according to the payment history for each merchant to the account of the merchant. In some embodiments, the amount of the fee and / or point accumulation amount may be deposited from the settlement amount. Deposits to merchants may be made after deposit from the issuer, or may be made on the date of contract with the merchant, regardless of the date of deposit from the issuer.

On the other hand, when paying with a prepaid card at the issuer's store, the issuing server 100 makes the payment with the price reflecting the price level at the time the money is deposited on the prepaid card, or pays the current price every time Inflation hedging methods may be adopted to offset the decline in purchasing power due to inflation, such as by crediting the prepaid card to the prepaid card, or by adding points, if the prepaid card reflects the price level at the time the money was deposited. . Some examples of the price hedging method are described below.

1) Real time price hedging

This is a method of making payment at the price reflecting the price level when the goods are deposited. To this end, the issuer server 100 stores the information related to the price of a product for a certain period of time handled by the issuer store, the POS server 200 in the step 1 of Figure 3, the total payment amount, prepaid card information In addition, if information about a purchased product is transmitted to the issuing server 100, the issuing server 100 compares the price of each purchased product at the time when the prepaid card is deposited and if there is a product having a price increase, the increase is made. The POS server 200 transmits the information about the discounted amount to the POS server 200. For lowered commodities, the current lowered price applies. The POS server 200 makes a payment at a price discounted by this discount amount and writes information on the discount amount on the receipt. The issuer server 100 also deducts the balance based on the discounted price in step 2 and accumulates points.

On the other hand, instead of making a payment in the field at a discounted amount, it is possible to configure the payment to the original price and to earn additional points as much as the discounted amount. That is, in step 1 of FIG. 3, when the POS server 200 transmits information about a purchased product to the issuer server 100 in addition to the total payment amount and prepaid card information, the issuer server 100 deposits the prepaid card. If there is a product that has a price increase by comparing the price of each purchased product at the time point, the additional points are accumulated in step 2.

2) Periodic price hedging reflecting inflation rate

Rather than storing information about prices for a certain period of time for each product, the inflation rate is set for each product or group of products, and the price increase rate and product purchase is calculated for the total product purchase amount or purchase amount for each product group according to the customer's payment history for each period. Calculate the amount multiplied by the accumulation period of the amount of the prepaid card used to earn points or recharge the amount. For example, if the monthly average increase rate of clothing was 0.2% for the customer who purchased the garment using the 100,000 won accumulated for 5 months, 100,000 won x 0.2% x 5 months = 1000 won Is returned to the customer.

On the other hand, while the issuer has described the case of operating the POS system in the offline store, the present invention can be applied to the case where the issuer operates the online store. 6 is a network diagram showing the configuration of a payment system of the present invention when an online shopping mall is operated by an issuer.

In FIG. 6, the online sales server 200 ′ is connected to the issuer server 100 instead of the POS server 200 of FIG. 1. Users who access the online sales server 200 'via the Internet may pay using the prepaid card of the present invention after online shopping using the user terminals 400a, .., 400n. In addition, when using a prepaid card, you can choose whether to use the points earned. The payment method of FIG. 6 differs only in that the payment method is performed online instead of the POS system, and thus the overall operation is the same as that of FIG. That is, both the POS system and the online sales server are the same in that they are sales systems operated by the issuer, and the operation between the issuer server and the sales system is the same regardless of whether the sales system is a POS system or an online sales system.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. In other words, within the scope of the present invention, all of the components may be selectively operated in combination with one or more. In addition, although all of the components may be implemented as one independent hardware, some or all of the components may be selectively combined to perform a part or all of the functions in one or a plurality of hardware. As shown in FIG. Codes and code segments constituting the computer program may be easily inferred by those skilled in the art. Such a computer program may be stored in a computer readable storage medium and read and executed by a computer, thereby implementing embodiments of the present invention. As the storage medium of the computer program, a magnetic recording medium, an optical recording medium, a carrier wave medium, or the like may be included.

Furthermore, the terms "comprises", "comprising", or "having" described above mean that a component can be implanted unless otherwise specifically stated, But should be construed as including other elements. All terms, including technical and scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, unless otherwise defined. Terms used generally, such as terms defined in a dictionary, should be interpreted to coincide with the contextual meaning of the related art, and shall not be interpreted in an ideal or excessively formal sense unless explicitly defined in the present invention.

The above description is merely illustrative of the technical idea of the present invention, and those skilled in the art to which the present invention pertains may make various modifications and variations without departing from the essential characteristics of the present invention. Therefore, the embodiments disclosed in the present invention are intended to illustrate rather than limit the scope of the present invention, and the scope of the technical idea of the present invention is not limited by these embodiments. The scope of protection of the present invention should be construed according to the following claims, and all technical ideas falling within the scope of the same shall be construed as falling within the scope of the present invention.

100 issuer server
160 customer DB
170 merchant DB
180 prepaid card DB
200 POS Server
201 POS terminal
300 broker servers
301 Merchant Terminal

Claims (11)

delete delete delete Issuing server that stores information about each customer's recharge amount and earning points, a sales system connected to the issuing server, a plurality of merchant terminals, the plurality of merchant terminals and the communication network is connected to the In the payment method using a prepaid card in a sales system comprising a broker server acting as an intermediary between a plurality of merchant terminals and the issuer server,
a) the merchant terminal transmitting a payment approval request including prepaid card information, payment amount information, and merchant information to the agency server through the communication network;
b) transmitting the payment approval request received from the broker server to the issuer server;
c) checking the balance of the prepaid card corresponding to the prepaid card information included in the payment authorization request received from the issuing server, and if the balance of the prepaid card is larger than the payment included in the payment information, the server approves the payment approval response. To save and deduct the payment amount from your prepaid card balance;
d) when the broker server receives the payment approval response from the issuer server, transmitting the payment approval response to the merchant terminal;
e) when the issuing server receives the settlement request from the broker server, increasing the points of accumulation of the prepaid card according to the payment amount;
f) Upon receiving a payment request including payment amount, prepaid card information, and intention to use earned points from the sales system, the issuing server subtracts the accumulated points by a predetermined point for the prepaid card and deducts the amount corresponding to the deducted points. Saving the difference minus the payment amount from your prepaid card balance
Including;
In step f), the sales system transmits the information about the purchased goods in addition to the payment amount and prepaid card information to the issuing server. The issuing server compares the price of each purchased product when the amount is deposited in the prepaid card. If there is a product that has been raised, information about the discounted amount of the increase is transmitted to the sales system, and the payment amount using the prepaid card, which is stored by subtracting the discount amount from the payment amount from the prepaid card balance. Way. Issuing server that stores information about each customer's recharge amount and earning points, a sales system connected to the issuing server, a plurality of merchant terminals, the plurality of merchant terminals and the communication network is connected to the In the payment method using a prepaid card in a sales system comprising a broker server acting as an intermediary between a plurality of merchant terminals and the issuer server,
a) the merchant terminal transmitting a payment approval request including prepaid card information, payment amount information, and merchant information to the agency server through the communication network;
b) transmitting the payment approval request received from the broker server to the issuer server;
c) checking the balance of the prepaid card corresponding to the prepaid card information included in the payment authorization request received from the issuing server, and if the balance of the prepaid card is larger than the payment included in the payment information, the server approves the payment approval response. To save and deduct the payment amount from your prepaid card balance;
d) when the broker server receives the payment approval response from the issuer server, transmitting the payment approval response to the merchant terminal;
e) when the issuing server receives the settlement request from the broker server, increasing the points of accumulation of the prepaid card according to the payment amount;
f) Upon receiving a payment request including payment amount, prepaid card information, and intention to use earned points from the sales system, the issuing server subtracts the accumulated points by a predetermined point for the prepaid card and deducts the amount corresponding to the deducted points. Subtracting and saving the difference from the prepaid card balance;
g) the issuing server calculates the product purchase price of the customer by the product price increase rate and the accumulation period of the prepaid card amount used to purchase the product, and accumulates points or charges for the amount of the product.
Payment method using a prepaid card containing. delete delete delete delete In the payment method using a prepaid card in the issuer server that stores information about each customer's recharge amount and accumulated points,
a) the issuer server receiving the payment approval request including the prepaid card information, the payment amount information, and the merchant information from the intermediary server, checks whether the balance of the prepaid card corresponding to the prepaid card information is sufficient than the payment amount included in the payment amount information; If the balance is sufficient, subtract the amount corresponding to the payment amount from the prepaid card balance, and send the payment approval response to the broker server;
b) the issuer server receiving the payment request including the prepaid card information, the payment amount, and the earning point intention from the sales system, deducts the accumulated points of the prepaid card, and the amount corresponding to the payment amount and the deducted points. Subtract the difference from your prepaid card balance
Including;
In step b), the issuing server receives information on the purchased goods in addition to the payment amount and prepaid card information from the sales system, and the issuing server compares the price of each purchased product when the money is deposited in the prepaid card. And if there is a product having a price increase, information about the discounted amount discounted by the corresponding increase is transmitted to the sales system, and the prepaid card which stores the amount after deducting the discount amount from the prepaid card balance is stored. Payment method used. In the payment method using a prepaid card in the issuer server that stores information about each customer's recharge amount and accumulated points,
a) the issuer server receiving the payment approval request including the prepaid card information, the payment amount information, and the merchant information from the intermediary server, checks whether the balance of the prepaid card corresponding to the prepaid card information is sufficient than the payment amount included in the payment amount information; If the balance is sufficient, subtract the amount corresponding to the payment amount from the prepaid card balance, and send the payment approval response to the broker server;
b) the issuer server receiving the payment request including the prepaid card information, the payment amount, and the earning point intention from the sales system, deducts the accumulated points of the prepaid card, and the amount corresponding to the payment amount and the deducted points. Subtracting the difference from your prepaid card balance;
c) the issuer server calculates the amount of the product purchase amount of the customer multiplied by the inflation rate and the accumulation period of the amount of the prepaid card used to purchase the product, and accumulate points or charge the amount as much as the corresponding amount;
Payment method using a prepaid card containing.

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