KR101417359B1 - System and Method for payment between Affiliated Store - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a system for making payment between merchants using a point cash using a payment system via a card terminal of a van (VAN) or an Internet payment system.
To this end, the method of performing settlement in the settlement management processor of the present invention includes the steps of: confirming a remaining sales point cash of a sales merchant and a residual purchase point cache of a purchase merchant when receiving a payment request including a payment amount from an external device; Calculating and storing a sales commission and a purchase fee for the settlement amount, the sales point cash and the remaining purchase point cash being not less than the settlement amount, and notifying the external device that has requested payment for approval of the settlement do.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system,

BACKGROUND OF THE INVENTION 1. Field of the Invention [0002] The present invention relates to a system for making payment between merchants using a point cash using a payment system via a card terminal of a van (VAN) or an Internet payment system.

Recently, with the introduction of the concept of electronic commerce, various kinds of payment methods have appeared and are put into practical use. Among them, a credit card that allows users to make credit transactions using a back payment system and a prepaid card that allows the user to use the prepaid card in a prepaid payment mode is a representative new payment method that replaces cash.

Prepaid cards are issued by non-financial institutions and can be paid for a certain amount, but they can not be recharged after they have been exhausted. Considering this problem, a new rechargeable payment method called electronic wallet or electronic money has appeared. This means that a certain amount of value can be stored in an electronic manner, such as a semiconductor chip, so that it can be used in the same way as cash. That is, a method of using a password, a method of simply using a method of payment such as a traffic fee or a meal, have.

The term electronic money refers to the use of digital information as a means of expressing the value of cash, through which it is possible to conduct commercial transactions without the use of currency. Such electronic money has various categories and kinds, but in recent years, a debit card issued by a bank so that it can be used for the balance of a bank account that is free of deposit and withdrawal, or the card can be used at a credit card merchant or online A check card is used for real-time settlement, and the check card is regarded as representative electronic money because of its real-time settlement characteristic.

In this way, when purchasing goods or services in the current distribution structure, payment is made using various payment means such as cash or credit card. In particular, existing card point cards can be classified into two types.

First, there is a discount card that allows you to discount a certain amount when you buy something at a particular merchant. In this case, most discount cards (such as the carrier's membership card) have a lower discount rate. In addition, there is no discount card for Do-it-Retail corporations.

Secondly, if you use cash or credit card as a cash-back card (a fixed-size card), you can set a certain portion of the amount of money as a point and use the established point as cash. In this case, points are set according to the amount of cash or credit card usage, and points where points can be used are limited. Therefore, there is no system that can pay 100% point card instead of cash or credit card.

The problem to be solved by the present invention is to establish a merchandise exchange system between merchants so as to secure the cash mobility of merchants by replacing the exchange role of their own goods or services with point cash, .

To this end, the method of performing settlement in the settlement management processor of the present invention includes the steps of: confirming a remaining sales point cash of a sales merchant and a residual purchase point cache of a purchase merchant when receiving a payment request including a payment amount from an external device; Calculating and storing a sales commission and a purchase fee for the settlement amount, the sales point cash and the remaining purchase point cash being not less than the settlement amount, and notifying the external device that has requested payment for approval of the settlement do.

To this end, the settlement performing system of the present invention includes a VAN server for transmitting payment approval information requested from a settlement agent terminal, and a payment server for receiving payment approval information including a payment amount from the server, And a merchant management server for checking the remaining purchase point cash of the purchase merchant and calculating and storing a sales commission and a purchase commission for the settlement price in which the remaining sales point cash and remaining purchase point cash are not less than the settlement price .

To this end, the settlement performing system of the present invention includes an online merchant payment processing unit for transmitting payment approval information requested from an online merchant server, and a settlement management unit for receiving settlement approval information including a payment amount from the online merchant payment processing unit, And a merchant management server for checking the remaining purchase point cash of the purchase merchant and calculating and storing a sales commission and a purchase commission for the settlement price in which the remaining sales point cash and remaining purchase point cash are not less than the settlement price .

The barter system according to the present invention is a system for using an article or service of a merchant through settlement of a point cache provided by the present system at a transaction between merchants. Therefore, by using point cash for transactions between merchants, each merchant sells or purchases the goods or services that they sell at a cost, and uses point cash in place of cash or credit cards used when purchasing necessary goods, It is possible to secure the liquidity of cash.

Also, as the transaction between the merchants is activated, the sales increase of the merchant and the promotion effect of the merchant through the merchant management server can be obtained.

Figure 1 illustrates a barter system in accordance with an embodiment of the present invention,
2 is a block diagram showing the configuration of a merchant management server according to an embodiment of the present invention,
Figure 3 is another view of a barter system in accordance with an embodiment of the present invention,
4 is a flowchart illustrating a process of performing settlement in an offline merchant according to an exemplary embodiment of the present invention,
5 is a flowchart illustrating a process of performing settlement in an online merchant according to an embodiment of the present invention,
FIG. 6 is a flowchart illustrating an operation performed by the billing management processor according to an exemplary embodiment of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS The foregoing and further aspects of the present invention will become more apparent from the following detailed description of preferred embodiments with reference to the accompanying drawings. DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Reference will now be made in detail to the embodiments of the present invention, examples of which are illustrated in the accompanying drawings.

In order to overcome the disadvantages of the barter system and to exchange necessary goods or services, the present invention registers the merchant operating the retailer as a member company of the system, By using the point cash settlement, it is possible to exchange goods during the transactions between member companies.

In other words, a member company that subscribes to the system can use the goods or services sold by other member companies as collateral for the goods or services that they sell, It is the distribution structure of payment type.

FIG. 1 illustrates a merchant barter system according to an embodiment of the present invention. Hereinafter, a system for exchanging goods among merchants according to an embodiment of the present invention will be described in detail with reference to FIG.

1, the barter system includes a plurality of merchant points 100 and 102, a VAN company server 110, and a merchant point management server 120. Of course, it is obvious that the barter system may include various other configurations other than the above-described configuration.

The merchant 100 or 102 registers with the merchant management server 120 as a member in order to receive the service provided by the present invention. For this, the merchant 100 or 102 inputs necessary information to the merchant management server 120. The information includes an identifier / password of a member, a business name, a business registration number, an address, a wire telephone number, a mobile communication terminal telephone number, and the like. In addition to the input information, other information besides the above-mentioned information may be included. In addition to the required input, the additional input information may be input according to the intention of the member to join the member.

The merchant 100 or 102 registers as a member in the merchant management server 120 and receives a point cash card from the merchant management server 120. [ The point cash card is given a certain point cash according to the member's grade. In other words, the franchisee management server 120 provides a lot of point caches to excellent members, and provides a small amount of point caches to new members or low-ranking members.

The subscriber server 110 performs a function of relaying a transaction requested by the merchant to the merchant management server 120. That is, the bank server 110 provides the transaction information requested by the merchant to the merchant management server 120, and ultimately performs settlement of the transaction according to whether the payment is approved by the merchant management server 120. The detailed operation of the subscriber server 110 will be described later.

The merchant management server 120 stores information of merchants registered as members, and provides point cash for each merchant. In connection with the present invention, the merchant management server 120 provides a sales point cache and a purchase point cache for each merchant. The merchant management server 120 compares the residual sales point cash of the sales merchant with the remaining purchase point cash of the purchasing merchant in relation to the payment requested from the fan server 110 and determines whether or not to approve the transaction.

2 is a block diagram illustrating the configuration of a merchant management server according to an exemplary embodiment of the present invention. Hereinafter, a configuration of a merchant management server according to an embodiment of the present invention will be described in detail with reference to FIG.

Referring to FIG. 2, the merchant management server includes a bank settlement system interface unit 200, an Internet payment system interface unit 210, a payment management processor 220, and a database 230. The database 230 includes a member information database 231, a sales point cash information management database 232, a purchase point cash information database 233, an affiliate shop information management database 234, and a merchant fee management database 235. Hereinafter, each configuration of the merchant management server will be described in detail, and the operation of the payment management processor will be described in detail with reference to FIG.

The billing system interworking unit 200 receives a request for settlement from the server, and provides approval or disapproval of the requested settlement. That is, the system 200 for interfacing with the billing system performs a function of interlocking the exchange server with the merchant management server.

The Internet payment system interworking unit 210 receives a request for payment from a server of an Internet merchant and provides an approval for the requested payment. That is, the Internet payment system interworking unit 210 performs a function of linking the Internet merchant server and the merchant management server.

The member information database 231 stores authentication information including member IDs and passwords, and personal information including a business name, a business registration number, an address, a wire telephone number, and a mobile communication terminal telephone number. The sales point cache information management database 232 stores information on a sales point cache and a remaining sales point cache provided for each member company. The purchase point cache information management database 233 stores information on the purchase point cache and the remaining purchase point cache provided for each member company. The merchant information management database 234 stores information on the merchant locations, such as the location of each merchant, the service to be provided or the merchandise to be sold, the price, and the photograph of the merchant. The merchant fee management database 235 stores the sales commission and the purchase commission for each merchant. With respect to the present invention, the franchise fee may be charged only with a sales commission, a purchase fee, or a sales commission and a purchase fee at each merchant. Also, the commission rate can be set differently according to the credit rating of each merchant.

3 is a schematic illustration of a merchant barter system in accordance with an embodiment of the present invention. Hereinafter, an inter-merchant barter system according to an embodiment of the present invention will be described with reference to FIG.

According to Fig. 3, the barter system includes an offline merchant, a card terminal installed at an affiliate shop, a van server, a merchant management server, an online merchant, a server of an online merchant, and an Internet payment system.

The following is an overview of the process of performing transactions at an offline merchant, and then the process of performing a transaction at an online merchant.

The member who subscribes to the service purchases the goods from the merchant A (offline merchant) 100 and pays the purchase price using the point cash card. The merchant A (100) reads the point cash card provided by the member to the installed card terminal (300).

When the card terminal 300 provides the information of the leader point cash card and the purchase price to the server 110, the server 110 provides the provided information to the merchant management server 120. The merchant management server 120 compares the residual sales point cash of the merchant A 100 with the remaining purchase point cash of the member and the commodity price to finally decide whether to approve the settlement.

The member who subscribes to the service purchases the goods at the merchant B (online merchant) 102, and inputs related information to settle the purchase price with the point cash card. The Internet payment system 320 of the merchant B 102 provides the information of the inputted point cash card and the information of the purchase price to the merchant management server 120. The merchant management server 120 compares the remaining sales point cash of the merchant B with the remaining purchase point cash of the member and the commodity price to finally decide whether to approve the settlement.

The present invention compares the remaining sales points of a merchant providing goods or services with a remaining purchase point of a member who purchased goods or services and a price of goods or services, and finally determines whether to approve the transaction.

4 is a flowchart illustrating a process of making a payment at an offline merchant according to an exemplary embodiment of the present invention. Hereinafter, a process of making a payment at an offline merchant according to an embodiment of the present invention will be described in detail with reference to FIG.

In step S400, the subscriber server requests the approval of payment for the goods or services purchased from the offline merchant through the affiliate department of the bill payment system. Of course, the member who subscribes to the service before the above-mentioned step contacts the point cash card to the card terminal reader of the offline merchant.

In step S402, the interworking part of the billing system requests the billing management processor to approve the settlement requested by the billing server. In step S404, the payment management processor requests purchase member and sales member information from the member information database.

In step S406, the member information database provides information on the purchasing member and the sales member to the billing management processor. The billing management processor provided with the member information informs that the settlement is proceeding to the interlocking part of the billing system in step S408. In step S410, the interlocking part informs that the billing server is in progress.

In step S412, the payment management processor inquires the purchase point cache information of the member who has purchased the goods or services into the purchase point cache information management database. In step S414, the purchase point cache information management database provides the purchase point cache information of the member who purchased the goods or services to the payment management processor. In step S416, the payment management processor inquires the sales point cache information of the member who sold the goods or services to the sales point cache information management database. In step S418, the sales point cash information management database provides the sales point cache information of the member who sold the goods or services to the payment management processor. If the residual purchase point cash of the purchased member provided from the purchase point cache information management database and the remaining sales point cash of the sold member provided from the sales point cache information management database are equal to or larger than the payment amount,

In step S420, when the billing management processor requests the purchase point cache information management database to deduct the purchase point cache of the purchasing member, the purchase point cache information management database subtracts the purchasing point cache of the purchasing member in step S422, To the payment management processor.

In step S424, when the payment management processor requests the sales point cache information management database to deduct the sales point cache of the sales member, the sales point cache information management database subtracts the sales point cache of the sales member in step S426, To the payment management processor.

In step S428, the payment management processor calculates a commission for the payment, and requests the store of the fee calculated in the merchant fee management database. In step S430, the merchant fee management database stores the fee for the payment.

In step S432, the payment management processor generates an approval number and requests the approval information to be stored in the member information database. The member information database stores the payment approval information requested in step S434, and provides the payment management processor with information that the payment approval information has been normally stored.

If the billing management processor notifies the completion of settlement to the interlocking part of the billing system in step S436, the interlocking part of the billing management system notifies the settlement approval to the bus server in step S438. As described above, the present invention uses a purchase point cache and a sales point cache to proceed payment at an offline merchant.

5 is a flowchart illustrating a process of making a payment at an online merchant according to an embodiment of the present invention. Hereinafter, a process of making a payment at an online merchant according to an embodiment of the present invention will be described in detail with reference to FIG.

In step S500, the Internet payment processing unit requests the payment approval for the goods or services purchased from the online merchant through the Internet payment system linkage unit.

In step S502, the Internet payment system interworking unit requests payment approval from the Internet payment processing unit to the payment management processor. In step S504, the billing management processor requests purchase member and sales member information from the member information database.

In step S506, the member information database provides information on the purchasing member and the sales member to the payment management processor. In step S508, the payment management processor provided with the member information notifies the interworking part of the Internet payment system that the payment is currently in progress.

In step S510, the payment management processor inquires the purchase point cache information of the member who has purchased the goods or the service into the purchase point cache information management database. In step S512, the purchase point cache information management database provides the purchase point cache information of the member who purchased the goods or the service to the payment management processor. In step S514, the payment management processor inquires the sales point cache information of the member who sold the goods or the service to the sales point cache information management database. In step S516, the sales point cash information management database provides the sales point cache information of the member who sold the goods or services to the payment management processor. If the remaining purchase point cash of the purchased member provided from the purchase point cache information management database and the remaining sales point cash of the sold member provided from the sales point cache information management database are equal to or larger than the payment amount, the process proceeds to step S518.

In step S518, when the billing management processor requests the purchase point cache information management database to deduct the purchase point cache of the purchasing member, the purchase point cache information management database subtracts the purchasing point cache of the purchasing member in step S520, To the payment management processor.

In step S522, the billing management processor requests the sales point cache information management database to subtract the sales point cache of the sales member. In step S524, the sales point cache information management database subtracts the sales point cache of the sales member, To the payment management processor.

In step S526, the payment management processor calculates a fee for the payment, and requests the storage of the fee calculated in the merchant fee management database. In step S528, the merchant fee management database stores the fee for the payment.

In step S530, the payment management processor generates an authorization number and requests the authorization information to be stored in the member information database. The member information database stores the payment approval information requested in step S532, and provides the payment management processor with the fact that the payment approval information has been normally stored.

When the payment management processor notifies completion of payment to the Internet payment system interface unit in step S534, the Internet payment system interface unit notifies the Internet payment processing unit of the payment approval in step S536. As described above, the present invention makes a payment at an online merchant using a purchase point cache and a sales point cache.

FIG. 6 is a flowchart illustrating an operation performed by the billing management processor according to an exemplary embodiment of the present invention. Hereinafter, an operation performed by the payment management processor according to an embodiment of the present invention will be described in detail with reference to FIG.

In step S600, the payment management processor is requested to approve payment. In step S602, the payment management processor confirms the information of the purchase merchant (member) in the member information database, and confirms the information of the sales merchant in step S604.

In step S606, the payment management processor checks the remaining purchase point cache of the purchasing agent in the purchase point cache information management database, and confirms the remaining sales point cache of the sales agent in the sales point cache information management database in step S608.

In step S610, the payment management processor determines whether the payment approval is possible by checking the sales merchant information, the purchasing merchant information, the remaining sales point cash of the sales merchant, and the remaining purchase point cache of the purchasing merchant. If it is determined that the payment can be approved, the payment management processor moves to step S612. If payment approval is not possible, the flow goes to step S624.

In step S612, the payment management processor subtracts the corresponding transaction amount from the remaining purchase point cash of the purchasing agent, and deducts the corresponding transaction amount from the remaining sales point cash of the sales agent in step S614. Of course, the payment management processor moves to step S624 if there is insufficient remaining purchase point cash or residual sales point cache to be deducted.

In step S616, the payment management processor calculates the purchase payment fee and stores the purchase payment fee in the merchant fee management database. In step S618, the payment management processor calculates the sales payment fee and stores the sales payment fee in the merchant fee management database.

The payment management processor generates a payment approval number in step S620, stores the information in the member information database, and provides the payment approval information to the outside in step S622. Of course, the payment management processor provides the payment approval rejection notification to the outside when the payment approval is impossible.

As described above, the payment proceeds only when the remaining sales point cash of the sales franchisee and the remaining purchase point cash of the purchase franchisee are equal to or greater than the transaction price. Therefore, the merchant of the service must always maintain the purchase point cache and the sales point cache in order to perform the payment, and if any of the purchase point cache and the sales point cache is insufficient, the smooth transaction can not proceed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the scope of the present invention .

100: Offline Merchant 102: Online Merchant
110: BANSA SERVER 120: Merchant Management Server
200: a bill payment system interworking unit 210: an Internet payment system interworking unit
220: payment management process 230: database

Claims (11)

A method for performing a payment at a payment management processor,
Confirming a remaining sales point cash of the sales merchant and a remaining purchase point cache of the purchasing merchant when the payment request including the payment amount is received from the external device;
Calculating and storing a sales commission and a purchase commission for the settlement amount, the remaining sales point cash and remaining purchase point cash not being less than the settlement amount;
And notifying the external device that requested payment of the approval for the payment,
Wherein the merchant has at least two point caches including a sales point cache and a purchase point cache, and the remaining sales point cash of the sales merchant is a point cache distinguished from remaining purchase points of the purchasing merchant.
The method of claim 1, further comprising calculating a commission after subtracting the settlement amount from the remaining sales point cash and the remaining purchase point cash if the remaining sales point cash and remaining purchase point cash are not less than the settlement amount How to make a payment.
The method according to claim 1, further comprising confirming information of the merchant and the merchant when receiving a payment request including payment from the external device.
4. The method according to claim 3, wherein the information on the merchant includes information on whether the merchant is a registered merchant.
The method according to claim 1, wherein if the remaining sales point cash and remaining purchase point cash are less than the settlement amount, the external device is notified of the rejection of the settlement.
A VAN server for transmitting the payment approval information requested from the merchant terminal;
When the payment approval information including the payment amount is received from the subscriber server, the remaining sales point cash of the sales merchant and the remaining purchase point cash of the purchasing merchant are checked, and the remaining sales point cash and remaining purchase point cash are less than the payment amount And a merchant management server for calculating and storing a sales commission and a purchase commission for the settlement price,
Wherein the merchant has at least two point caches including a sales point cache and a purchase point cache, and the remaining sales point cash of the sales merchant is a point cache distinguished from remaining purchase points of the purchasing merchant.
The method according to claim 6,
A settlement management processor for determining whether or not to approve the settlement using the settlement proceeds, the remaining sales point cash of the sales merchant, and the remaining purchase point cash of the purchasing merchant when the settlement approval information including the payment amount is received from the subscriber server Wherein the payment execution system comprises:
8. The merchant store management system according to claim 7,
A member information database storing information of the franchisee;
A sales point cache information management database storing sales point cache information of the merchant;
And a purchase point cache information management database storing purchase point cache information of the merchant.
9. The merchant store management system according to claim 8,
And a merchant fee management database for storing a sales commission and a purchase commission for each of the merchants.
The payment performing system according to claim 9, wherein the merchant includes an offline merchant or an online merchant, and the merchant receives a sales point cash and a purchase point cash from the merchant management server.
An online merchant payment processor for transmitting payment approval information requested from the online merchant server;
When the payment approval information including the payment amount is received from the online merchant payment processing unit, the remaining sales point cash of the sales merchant and the remaining purchase point cash of the purchasing merchant are checked, and the remaining sales point cash and remaining purchase point cash are paid And a merchant management server for calculating and storing a sales commission and a purchase commission for the payment amount,
Wherein the merchant has at least two point caches including a sales point cache and a purchase point cache, and the remaining sales point cash of the sales merchant is a point cache distinguished from remaining purchase points of the purchasing merchant.

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