KR102309650B1 - Method of providing loan service for credit card affiliate, server and systerm thereof - Google Patents

Abstract

The present invention relates to a card merchant loan service providing method, a payment relay server and system for performing the same, the method comprising the steps of receiving a loan service request including card information, authentication information and service identification information from a payment terminal device of an affiliated store ; transmitting the received loan service request to a card company server; Receiving approval information for a loan service request according to a loan limit check from a card company server; and transmitting the received loan approval information to the payment terminal device.

Description

Method of providing credit card merchant loan service, payment relay server and system performing the same

The present invention relates to a method of providing a loan service for a credit card merchant in a payment relay server such as a Value Add Network (VAN) server.

With the continuous development of information and communication technology, a card payment method in which a customer card is provided with a payment method and payment is processed through a communication network using a payment terminal provided in an affiliated store is becoming common. Card payment methods are being applied more actively in the commercial field.

This card payment method requires a card payment terminal of an affiliated store, and the card payment terminal is connected to a payment relay server through an on/off dedicated line. In addition, the contents of the credit card sales slip may be transmitted to the relay server. The relay server may be a server of a VAN company operating a Value Add Network (VAN).

VAN is a business that provides relay services such as card approval between a credit card company's card company server and affiliated stores. It relieves the inconvenience of having to

Accordingly, the VAN company organizes the approval data of the affiliated stores and transmits the purchase data to the card company or bank on a daily basis. After a certain date, the card company deposits the amount excluding the card fee to the deposit account designated by the product seller, that is, the merchant.

However, it takes several days to several weeks from the time when the purchase process is normally completed by submitting a credit card slip and the actual settlement amount is deposited into the merchant's account. there is a problem that

An object of the present invention is to provide a method for providing a credit card merchant loan service capable of improving convenience and stability, and a server and system for performing the same.

A credit card merchant loan service providing method according to an embodiment of the present invention is connected between a payment terminal device of an affiliated store and a card company server to provide an affiliated store loan service in a payment relay server for processing card payment, card information, authentication information and receiving a loan service request including service identification information from a payment terminal device of an affiliated store; transmitting the received loan service request to a card company server; Receiving approval information for the loan service request according to the loan limit check from the card company server; and transmitting the received loan approval information to the payment terminal device.

The payment relay server according to an embodiment of the present invention is connected between a payment terminal device of an affiliated store and a card company server to process a card payment, and sends a loan service request including card information, authentication information and service identification information to a payment terminal of an affiliated store a communication unit for receiving from the device and transmitting the information to the card company server, receiving approval information for the loan service request according to the loan limit check from the card company server and transmitting the information to the payment terminal device; and an approval processing unit for processing a payment approval request or a loan service request received from the payment terminal device.

A credit card affiliated store loan system according to an embodiment of the present invention, an affiliated store payment terminal device; card company server; Receives a loan service request including card information, authentication information, and service identification information from the affiliated store payment terminal device and transmits it to the card company server, and receives approval information for the loan service request according to the loan limit check from the card company server a payment relay server that transmits to the payment terminal device; and a bank server that receives a transfer request from the card company server to the card payment account for the loan amount, and transmits transfer completion information to the card company server.

On the other hand, the card merchant loan service providing method may be implemented as a computer-readable recording medium in which a program for execution in a computer is recorded, and may be provided as a program itself.

According to an embodiment of the present invention, a payment relay server such as a VAN (Value Add Network) server receives a loan service request including card information, authentication information, and service identification information from an affiliated store payment terminal device and transmits it to a card company server, , by receiving approval information for loan service requests according to the confirmation of the loan limit from the card company server and transmitting it to the payment terminal device to make a loan within the limit can provide

According to another embodiment of the present invention, when the requested loan amount exceeds the preset loan limit, by providing a service to enable a loan through a method such as a loan limit increase or a sales offset loan, the user's convenience is improved can be improved

1 is a block diagram showing an embodiment of the configuration of a card merchant loan system according to the present invention.
2 is a block diagram showing the configuration of a payment relay server according to an embodiment of the present invention.
3 is a flowchart illustrating an embodiment of a method for providing an affiliated store loan service performed in a payment relay server according to the present invention.
4 is a timing diagram for explaining an embodiment of a method for providing a loan service in the card merchant loan system according to the present invention.
5 to 9 are diagrams for explaining embodiments of an affiliated store loan service screen displayed on a payment terminal device.

Hereinafter, with reference to the accompanying drawings, a method for providing a credit card merchant loan service according to an embodiment of the present invention, and a payment relay server and system for performing the same will be described in detail.

In the following description of the present invention, if it is determined that a detailed description of a related well-known function or configuration may unnecessarily obscure the gist of the present invention, the detailed description thereof will be omitted. And the terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to the intention or custom of the user or operator. Therefore, the definition should be made based on the content throughout the present invention.

In addition, the preferred embodiment of the present invention to be implemented below is already provided in each system functional configuration in order to efficiently describe the technical components constituting the present invention, or system functions normally provided in the technical field to which the present invention belongs The configuration is omitted as much as possible, and the functional configuration to be additionally provided for the present invention will be mainly described.

If a person of ordinary skill in the art to which the present invention pertains, it will be possible to easily understand the functions of the components used in the prior art among the functional configurations omitted without being shown below, and the configuration omitted as described above Relationships between elements and components added for purposes of the present invention will also be clearly understood.

As used herein, "payment terminal device" refers to a POS for providing a payment service of card information read from a customer's card using a general IC card reader or a magnetic strip reader, except for the operation according to an embodiment of the present invention It may include a terminal or a CAT terminal, and a typical payment terminal having a POS-specific function for point-of-sale management and an electronic payment function through a customer card having at least one payment method may be exemplified.

In addition, recently, a form in which a function of a payment terminal device is coupled to a portable terminal has become possible, and "payment terminal device" includes a mobile phone, a smart phone, a laptop computer, a portable terminal for digital broadcasting, and a PDA. (Personal Digital Assistants), PMP (Portable Multimedia Player), navigation, etc. may be included, and the present invention is not limited thereto. In addition, various devices capable of user input and information display may be included in the payment terminal.

In addition, the term "payment relay server" may refer to a relay server of a van (VAN) company that relays credit card electronic payment as an example, but various types of financial servers such as card company servers related to credit card electronic payment are also included. and may refer to a server operated separately in the form of a separate server as an additional function different from the actual payment relay function depending on a specific function.

1 is a block diagram showing an embodiment of the configuration of a card merchant loan system according to the present invention, and the illustrated system includes a payment terminal device 100 , a payment relay server 200 , and a card company server 300 . can be configured.

Referring to FIG. 1 , if there is a card payment using a credit card at an affiliate store equipped with the payment terminal device 100 , the payment terminal device 100 reads card information from the purchaser's credit card and then performs the card payment. A full text of an approval request is generated and transmitted to the payment relay server 200 .

The payment terminal device 100 includes a means for reading card information from the purchaser's card (eg, a magnetic reader, an IC card reader, an NFC reader, etc.), and a payment relay server 200 using a wired or wireless Internet. ) can be implemented as a terminal capable of communicating with

According to an embodiment of the present invention, the payment terminal device 100 may be a CAT (Card Authorization Terminal) terminal or POS (Point Of Sales) terminal that communicates with the payment relay server 200 using a wireless Internet or a public telephone network. have.

Meanwhile, since a payment program is installed in the payment terminal device 100 , payment processing may be performed by transmitting a transaction approval request message to the payment relay server 200 using the payment program to request approval.

In addition, the payment terminal device 100 outputs a message or slip including a receipt related to transaction approval or cancellation when approval or cancellation of a transaction, or generates and outputs a message or slip including a receipt related to issuance or cancellation of a cash receipt can do.

In FIG. 1 , the payment relay server 200 is illustrated as a single server type for convenience and is described as a technical feature of the present invention, but the present invention is not limited thereto, and the payment relay server 200 is each It is possible to be implemented in the form of two or more server groups for each component (or means), and the present invention is characterized in that it includes all the implementation methods that can be inferred.

For example, the payment relay server 200 may be a server operated by a van (VAN) company, and the payment terminal device 100 is a card company server 300 through the payment relay server 200 using the network of the ban company. You can complete the transaction by receiving credit card payment authorization.

The payment terminal device 100 and the ban's payment relay server 200 are connected to a predetermined network (eg, telephone Internet, etc.), and the ban's payment relay server 200 and the corresponding credit card company's transaction approval system are The card company server 300 may be connected to a dedicated packet network.

The payment relay server 200 as described above transmits a transaction approval request message to the card company server 300 and receives an approval response message from the card company server 300 that has approved the card payment.

For example, the payment relay server 200 reads credit card company information recorded in user information in the full text of the approval request to request card payment approval, and transmits data related to the transaction approval request to the card company server 300 of the corresponding credit card company. do.

The card company server 300, which has received the data related to the transaction approval request, compares the user information, product order information, payment amount, and merchant information included in the data related to the transaction approval request with its own member data or merchant data, respectively. Check whether the transaction between the user and the affiliated store is valid.

On the other hand, the card company server 300 transmits the approval result for the transaction approval request to the payment relay server 200 of the ban company that relayed the payment approval request, and the payment relay server 200 stores the approval number data and then It can be transmitted to the payment terminal device 100 of the affiliated store.

The payment terminal device 100 that has normally received the transaction approval response message may transmit an ACK message to the payment relay server 200 .

The payment relay server 200 that has normally received the confirmation message ACK from the payment terminal device 100 may transmit a completion message ESC indicating that the confirmation message ACK has been normally received to the payment terminal device 100 . .

After that, the payment terminal device 100 that has normally received the completion message ESC may output a sales slip according to the transaction approval.

The transaction details processed as described above are stored in the payment terminal device 100 and the payment relay server 200, and may be provided as settling aggregate data for later sales confirmation.

For example, the transaction details include transaction approval as well as transaction cancellation, and upon a user's request for settlement, the payment terminal device 100 may aggregate the internally stored approval and cancellation transaction details and output it in the form of a slip. .

After that, when the merchant submits the customer's signed slip to the acquirer, the amount deducted from the fee is deposited into the merchant's account.

However, it takes from several days to several weeks from the time the credit card slip is submitted until the payment of the credit card trade receivables is deposited into the merchant's account, during which time the merchant is under financial pressure due to difficulties in securing cash flow. can be

According to an embodiment of the present invention, a payment relay server such as a VAN (Value Add Network) server receives a loan service request including card information, authentication information, and service identification information from an affiliated store payment terminal device and transmits it to a card company server, , by receiving approval information for loan service requests according to the confirmation of the loan limit from the card company server and transmitting it to the payment terminal device to make a loan within the limit can provide

To this end, the payment relay server 200 receives a loan service request including card information, authentication information, and service identification information from the payment terminal device 100 of the affiliated store and transfers it to the card company server 300, and is used to check the loan limit. The approval information for the loan service request may be received from the card company server 300 and transmitted to the payment terminal device 100 .

On the other hand, although not shown in FIG. 1, the affiliated store loan system according to the present invention may further include a bank server (not shown), and the bank server transfers the loan amount from the card company server 300 to the card payment account. Upon receiving the request, after the loan amount has been transferred to the card payment account, transfer completion information may be transmitted to the card company server 300 .

Hereinafter, with reference to FIGS. 2 to 9, embodiments of the card merchant loan service providing method according to the present invention, and a payment relay server and system for performing the same will be described in more detail.

2 is a block diagram illustrating the configuration of a payment relay server according to an embodiment of the present invention, and FIG. 3 is a flowchart illustrating an embodiment of a method for providing a credit card merchant loan service performed in the payment relay server according to the present invention. it will be shown

First, referring to FIG. 2 , the payment relay server 200 may include a communication unit 210 , a control unit 220 , and an approval processing unit 240 .

After receiving the transaction approval/cancellation request message from the payment terminal device 100, the communication unit 210 of the payment relay server 200 requests approval/cancellation for the transaction from the card company server 300, and The approval/cancellation result may be received from the card company server 300 and a transaction approval/cancellation response message may be transmitted to the payment terminal device 100 .

The approval processing unit 240 may serve to process a transaction approval request received from the payment terminal device 100 and a transaction approval response received from the card company server 300 .

The control unit 220 controls the overall operation of the payment relay server 200 , and includes information included in the full transaction approval/cancellation request received from the payment terminal device 100 and transaction approval/cancellation received from the card company server 300 . Transaction history information included in the full response may be stored in a database (not shown).

According to an embodiment of the present invention, the communication unit 210 receives a loan service request including card information, authentication information and service identification information from the payment terminal device 100 of the affiliated store and transmits it to the card company server 300, It may serve to receive approval information for a loan service request according to the check of the loan limit from the card company server 300 and transmit it to the payment terminal device 100 .

Meanwhile, the approval processing unit 240 may perform a role of processing a loan service request received from the payment terminal device 100 of an affiliate store, in addition to processing a transaction approval request for card payment as described above.

Referring to FIGS. 2 and 3 , an embodiment of a method for providing a loan service to an affiliated store according to the present invention will be described. First, the communication unit 210 of the payment relay server 200 includes card information, authentication information and service identification information. to receive a loan service request from the payment terminal device 100 of the affiliated store (step S300).

For example, the franchisee may request a loan to the affiliated store by reading the credit card he owns to the POS terminal, which is a payment terminal device provided in the affiliated store. can be sent to

Here, the full text of the loan service request includes the number of the card to be used for loan as card information, and may include the password (PIN) or one-time password (OTP, One Time Password) of the card entered by the merchant as authentication information. have.

In addition, the loan service request message may include a service identifier for indicating that the corresponding message requests a loan service from an affiliated store as service identification information, and may additionally include information on the loan amount input by the affiliated store owner.

The communication unit 210 of the payment relay server 200 transmits and transmits the loan service request received from the payment terminal device 100 to the card company server 300 (step S310).

In step S310 , the communication unit 210 transmits the loan service request received from the payment terminal device 100 as it is to the card company server 300 , or a predetermined data or information is added and transmitted to the card company server 300 . A loan service request full text for this may be generated by the approval processing unit 240 .

Thereafter, the communication unit 210 receives the approval information for the loan service request according to the loan limit confirmation from the card company server 300 (step S320).

For example, the card company server 300, after receiving the merchant loan service request from the payment relay server 200, checks the validity of the card using the card information and authentication information included in the request, and the loan amount You can perform a loan limit check by comparing the loan limit with the

Here, the loan limit is either a short-term loan limit (eg credit card cash advance) and a long-term loan limit (eg credit card loan) granted to the card to be used for the loan, or the sum of the two limits. may be an amount.

Alternatively, a loan limit may be granted to a corresponding affiliated store according to preset affiliate store loan limit setting criteria, such as affiliate sales.

In addition, the card company server 300 checks the payment account information of the card to be used for the loan, determines whether to approve or reject the loan requested from the affiliated store, and then reads the loan approval result including information on whether or not to approve and the reason for rejection. may be transmitted to the payment relay server 200 .

The communication unit 210 transmits and transmits the loan approval information received from the card company server 300 to the payment terminal device 100 (step S330).

Here, the communication unit 210 transmits the loan approval result received from the card company server 300 to the payment terminal device 100 as it is, or adds predetermined data or information to the payment terminal device 100 for transmission. The entire loan approval result may be generated by the approval processing unit 240 .

Meanwhile, the payment terminal device 100 may provide a loan result to the user by displaying at least a part of the loan approval result information received from the payment relay server 200 on the screen.

Thereafter, the payment terminal device 100 may receive and process a loan repayment request for selecting a loan repayment method corresponding to the loan result. For example, the payment terminal device 100 receives, from the user, at least one input of a repayment through direct account transfer, a transfer account information request for repayment, an offset repayment request, or an early repayment request input, and the payment relay server 200 ) or by transferring to the card company server 300, it is possible to process the loan repayment according to the selected repayment method.

4 is a timing diagram illustrating an embodiment of a method for providing a loan service in the card merchant loan system according to the present invention, and the description of the same as those described with reference to FIGS. 1 to 3 among the illustrated methods is omitted. decide to do

Referring to FIG. 4 , when an affiliated store owner applies for a loan to an affiliated store using a credit card in the POS terminal 101, which is a payment terminal device, the POS terminal 101 requests an affiliated store loan service to the VAN server 201, which is a payment relay server. (Step S401).

For example, as shown in (a) of FIG. 5, the franchisee selects the "Loan" menu 510 on the screen of the POS terminal 101, and according to the guidance as shown in (b) of FIG. After reading your credit card in the reader of the POS terminal 101, you can input a desired loan amount as shown in FIG. 5(c).

Thereafter, on the screen shown in FIG. 5( d ), the affiliated store owner may input the PIN number of the card to be used for lending to the affiliated store.

In this case, the POS terminal 101 generates a loan service request message including the card number read through the reader, the PIN number entered by the merchant, and the loan amount, and the service identifier corresponding to the merchant loan service to the VAN server 201 . can be sent to

The VAN server 201 transmits the merchant loan service request received from the POS terminal 101 to the card company server 300 (step S402).

In step S402, the VAN server 201 transmits the loan service request received from the POS terminal 101 as it is to the card company server 300, or the card number, PIN number, and loan amount included in the loan service request message. And after processing at least one of the service identifiers or adding additional data or information to newly construct a loan service request, it may be transmitted to the card company server 300 .

The card company server 300 that has received the merchant loan service request from the VAN server 201 checks the loan limit by comparing the requested loan amount with the loan limit granted to the card or the corresponding merchant, and confirms the payment account of the card (step S403).

As noted above, the loan limit includes at least one of a short-term loan limit (eg, credit card cash advance) and a long-term loan limit (eg, credit card loan) granted to the card to be used for the loan, or a merchant It may include the loan limit granted to the affiliated store based on sales.

For example, the card company server 300 may check the cash service limit of the credit card to be used for the loan, and when the requested loan amount is less than the remaining cash service limit, the affiliate store loan may be approved.

The card company server 300 transmits approval information for the corresponding affiliated store loan to the VAN server 201 according to the loan limit check result (step S404), and the VAN server 201 approves the affiliated store loan received from the card company server 300 The information is transferred to the POS terminal 101 (step S405), and the POS terminal 101 displays the loan approval information transmitted from the VAN server 201 on the screen and provides it to the user (step S406).

In steps S405 and S406 , the VAN server 201 may control the screen display of the POS terminal 101 according to the loan approval information received from the card company server 300 .

Thereafter, the card company server 300 transmits the payment account information of the card to be used for the loan to the bank server 400 to request the transfer of the loan amount (step S407).

In response to the transfer request from the card company server 300, the bank server 400 transfers the loan amount to the card payment account of the merchant (step S408), and then transmits the transfer completion information to the card company server 300 ( step S409).

Referring to (e) of FIG. 5 , the loan amount and the remaining loan limit may be displayed on the screen of the POS terminal 101 along with the deposit result of the loan amount.

In FIG. 4 , after the time when the VAN server 201 , which is the payment relay server, receives the loan approval information from the card company server 300 (that is, after the time when the card company server 300 transmits the loan approval information to the VAN server 201 ) ), the embodiment of the present invention has been described by taking the card company server 300 requesting the transfer of the loan amount to the bank server 400 as an example, but the present invention is not limited thereto, and the VAN server 201 is the card company server ( Before receiving the loan approval information from 300) (that is, before the card company server 300 transmits the loan approval information to the VAN server 201), the card company server 300 transfers the loan amount to the bank server 400 may request.

Meanwhile, in the step S403, when it is confirmed that the loan amount requested by the franchisee exceeds the loan limit, a procedure for additional granting of the loan limit may be performed.

According to another embodiment of the present invention, when the requested loan amount exceeds the preset loan limit, by providing a service to enable a loan through a method such as a loan limit increase or a sales offset loan, the user's convenience is improved can be improved

As a first embodiment for additional granting of a loan limit, when the loan amount exceeds the loan limit, the payment relay server 200 receives loan approval rejection information from the card company server 300 to the payment terminal device 100 . and may receive a loan limit increase request from the payment terminal device 100 and transmit it to the card company server 300 so that the affiliated store loan limit is increased.

For example, if the loan amount requested by the affiliated store exceeds the cash service remaining limit, which is the loan limit of the corresponding card, as shown in FIG. is displayed, and the franchisee may request an increase in the loan limit by selecting the "Apply for limit increase" menu 520 on the screen of the POS terminal 101 .

In this case, the request for increasing the loan limit is transmitted from the POS terminal 101 to the card company server 300 through the VAN server 201 , and the card company server 300 may check the increaseable loan limit amount.

For example, the card company server 300 may check the credit card loan limit that can be given to the corresponding card with the increaseable loan limit amount and transmit it to the POS terminal 101 through the VAN server 201 .

Accordingly, as shown in (b) of FIG. 6 , the additional loan limit amount that can be increased along with the remaining limit is displayed on the screen of the POS terminal 101, and the merchant owner says “Yes” on the screen of the POS terminal 101 By selecting the button 530, you can apply for a loan according to the increase in the loan limit.

After that, when the affiliated store loan service request according to the increased loan limit is approved by the card company server 300, the corresponding loan approval information is transmitted to the POS terminal 101 through the VAN server 201, as shown in FIG. 6(c) As shown in , the loan processing result according to the increase of the limit may be displayed on the screen of the POS terminal 101 .

As a second embodiment for additional granting of the loan limit, when the loan amount exceeds the loan limit, the payment relay server 200 receives loan approval information including the result of automatic loan limit increase from the card company server 300 It can be transmitted to the payment terminal device 100 so that loan approval according to the increase of the loan limit can be made automatically.

For example, if the loan amount applied by the affiliated store exceeds the cash service remaining limit, which is the loan limit of the card, the card company server 300 automatically increases the loan limit by the credit card loan limit that can be granted to the card. Approval of the merchant loan service request may be made.

Accordingly, as shown in FIG. 7 , the loan processing result according to the automatic loan limit increase may be displayed on the screen of the POS terminal 101 .

As a third embodiment for additional granting of the loan limit, when the loan amount exceeds the loan limit, the payment relay server 200 receives loan approval rejection information from the card company server 300 to the payment terminal device 100 . and receives a request for a loan offsetting sales from the payment terminal device 100 and transmits it to the card company server 300, and receives and pays the loan additional limit information calculated based on the total sales of the affiliated store from the card company server 300 It may be transferred to the terminal device 100, and may be processed so that the loan offsetting sales is executed within the loan addition limit range.

Here, the sales offsetting loan is a method of deducting all or part of the loan amount from the payment to be paid in the future by the affiliated store from the card company (that is, the card company that issued the credit card to be used for the affiliated store loan) operating the card company server 300 .

For example, if the loan amount applied by the affiliated store exceeds the loan limit of the corresponding card, as shown in FIG. The franchisee may request a sales offset loan service by selecting the "Sales offset application" menu 540 on the screen of the POS terminal 101 .

At this time, the sales offset loan request is transmitted from the POS terminal 101 to the card company server 300 through the VAN server 201, and the card company server 300 additionally grants to the affiliated store to check the loan limit amount that can be increased. can

For example, the card company server 300 checks the loan limit amount that can be increased based on the previous sales of the corresponding affiliated store (eg, the average affiliated store sales for a certain period in the past), and the POS terminal 101 through the VAN server 201 ) can be passed to

Accordingly, as shown in (b) of FIG. 8 , on the screen of the POS terminal 101, the amount of the loan addition limit that can be granted to the affiliated store based on the sales of the affiliated store is displayed, and the franchisee is displayed on the screen of the POS terminal 101. By selecting the "Yes" button 550, you can apply for a loan according to the sales offset.

After that, when the affiliated store loan service request according to the sales offset is approved by the card company server 300, the loan approval information is transmitted to the POS terminal 101 through the VAN server 201, as shown in FIG. 8(c). As described above, the loan processing result according to the sales offset may be displayed on the screen of the POS terminal 101 .

In the case of the sales offsetting loan as described above, as shown in (c) of FIG. 8 , a predetermined amount may be set to be deducted daily from the payment amount to be paid from the card company from a specific offsetting start date.

In addition, as a fourth embodiment for additional granting of the loan limit, when the loan amount exceeds the loan limit, the payment relay server 200 receives loan approval rejection information from the card company server 300 to receive the loan approval rejection information from the payment terminal device 100 . ), receives a request for an offsetting loan from the payment terminal device 100 and transmits it to the card company server 300, and loan additional limit information calculated based on the credit card company's accounts receivable of the affiliated store from the card company server 300 can be received and transmitted to the payment terminal device 100, so that the loan offsetting loan is executed within the loan addition limit range.

Here, the loan offsetting loan is a method of deducting all or part of the loan amount from the payment amount to be paid in the future by the affiliated store from the card company that operates the card company server 300 (that is, the card company that issued the credit card to be used for the affiliated store loan).

For example, if the loan amount applied by the affiliated store exceeds the loan limit of the corresponding card, as shown in FIG. The franchisee may request a loan service for offsetting accounts receivable by selecting the "Apply for offsetting sales receivables" menu 560 on the screen of the POS terminal 101 .

At this time, the account receivable offsetting loan request is transmitted from the POS terminal 101 to the card company server 300 through the VAN server 201, and the card company server 300 additionally grants to the affiliated store the amount of the loan limit that can be increased. can be checked

For example, the card company server 300 may check the amount of accounts receivable to be paid from the card company according to the card sales of the corresponding affiliate store, and transmit it to the POS terminal 101 through the VAN server 201 .

Accordingly, as shown in (b) of FIG. 9 , on the screen of the POS terminal 101, the loan addition limit amount that can be granted to the affiliated store based on the sales receivable of the affiliated store is displayed, and the franchisee is the POS terminal 101 By selecting the "Yes" button 570 on the screen, you can apply for a loan according to the offsetting of the accounts receivable.

After that, when the merchant loan service request according to the offsetting of accounts receivable is approved by the card company server 300, the loan approval information is transmitted to the POS terminal 101 through the VAN server 201, As shown, the loan processing result according to the offsetting of the accounts receivable may be displayed on the screen of the POS terminal 101 .

In the case of an offsetting loan for accounts receivable as described above, as shown in (c) of FIG. 9 , the affiliate store may be set to be deducted and paid by the loan amount from the loan receivable to be paid from the corresponding card company.

On the other hand, the sales offset loan or the sales receivable offset loan as described above, as well as when the requested loan amount exceeds the loan limit, may be provided as an independent separate card merchant loan service.

The above-described methods according to an embodiment of the present invention may be produced as a program to be executed in a computer. In addition, the program may be stored in a computer-readable recording medium, and examples of the computer-readable recording medium include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage device, and the like.

The computer-readable recording medium is distributed in a network-connected computer system, so that the computer-readable code can be stored and executed in a distributed manner. In addition, functional programs, codes, and code segments for implementing the method can be easily inferred by programmers in the art to which the present invention pertains.

In addition, although preferred embodiments of the present invention have been illustrated and described above, the present invention is not limited to the specific embodiments described above, and the technical field to which the present invention belongs without departing from the gist of the present invention as claimed in the claims In addition, various modifications may be made by those of ordinary skill in the art, and these modifications should not be individually understood from the technical spirit or perspective of the present invention.

Claims (14)

delete A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
Before or after the reception of the loan approval information, the transfer of the loan amount to the card payment account is requested from the card company server to the bank server card merchant loan service providing method. delete delete A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
The loan limit is
Based on at least one of sales information of the affiliated store for a certain period of time in the past, total sales information, or information on accounts receivable of payment to be paid in the future, characterized in that it is possible to increase the amount corresponding to the loan approval rejection information
How to provide credit card merchant loan services. A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
Receiving a loan limit increase request corresponding to the loan approval rejection information from the payment terminal device and transmitting the request to the card company server; Card affiliated store loan service providing method further comprising a. A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
and receiving loan approval information including a result of automatic loan limit increase corresponding to the loan approval rejection information from the card company server and transmitting the loan approval information to the payment terminal device. A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
receiving a sales offset loan request corresponding to the loan approval rejection information from the payment terminal device and transmitting the request to the card company server;
receiving, from the card company server, information on the loan addition limit calculated based on the total sales of the affiliated store, and transmitting the information to the payment terminal device; and
Further comprising; processing the loan offsetting sales to be executed in the loan addition limit range;
The sales offset loan is a card merchant loan service providing method in which at least a portion of the loan amount is deducted from the payment to be paid in the future from the card company. A method of providing a loan service to an affiliated store in a payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment,
receiving a loan service request from the card company server including card information, authentication information, and service identification information for a card to be used for loan, from a payment terminal device of an affiliated store;
transmitting the received loan service request to the card company server;
receiving, from the card company server, approval information for the loan service request according to the confirmation of the loan limit granted to the card;
transmitting the received loan approval information to the payment terminal device; and
When the loan amount exceeds the loan limit, receiving loan approval rejection information from the card company server and transmitting the information to the payment terminal device,
receiving a loan offsetting loan request corresponding to the loan approval rejection information from the payment terminal device and transmitting the request to the card company server;
receiving, from the card company server, information on the loan addition limit calculated based on the credit card company sales receivables of the affiliated store, and transmitting the information to the payment terminal device; and
Further comprising; processing the loan offsetting loan to be executed in the loan addition limit range;
The credit offset loan is a method of providing a credit card merchant loan service by deducting at least a portion of the loan amount from the payment to be paid in the future from the card company. delete A payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment, the payment relay server comprising:
Receives the loan service request of the card company server including card information, authentication information, and service identification information for the card to be used for loan from the payment terminal device of the affiliated store and transmits it to the card company server, and to check the loan limit granted to the card a communication unit for receiving approval information for the loan service request from the card company server and transmitting the information to the payment terminal device; and
and an approval processing unit for processing a payment approval request or a loan service request received from the payment terminal device,
When the loan amount exceeds the loan limit, the communication unit receives loan approval rejection information from the card company server and transmits it to the payment terminal device,
If the loan amount exceeds the above loan limit,
the communication unit
A payment relay server for receiving a loan limit increase request corresponding to the loan approval rejection information from the payment terminal device and transmitting the request to the card company server. A payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment, the payment relay server comprising:
Receives the loan service request of the card company server including card information, authentication information, and service identification information for the card to be used for loan from the payment terminal device of the affiliated store and transmits it to the card company server, and to check the loan limit granted to the card a communication unit for receiving approval information for the loan service request from the card company server and transmitting the information to the payment terminal device; and
and an approval processing unit for processing a payment approval request or a loan service request received from the payment terminal device,
When the loan amount exceeds the loan limit, the communication unit receives loan approval rejection information from the card company server and transmits it to the payment terminal device,
If the loan amount exceeds the above loan limit,
the communication unit
A payment relay server for receiving loan approval information including a result of automatically increasing a loan limit corresponding to the loan approval rejection information from the card company server and transmitting the loan approval information to the payment terminal device. A payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment, the payment relay server comprising:
Receives the loan service request of the card company server including card information, authentication information, and service identification information for the card to be used for loan from the payment terminal device of the affiliated store and transmits it to the card company server, and to check the loan limit granted to the card a communication unit for receiving approval information for the loan service request from the card company server and transmitting the information to the payment terminal device; and
and an approval processing unit for processing a payment approval request or a loan service request received from the payment terminal device,
When the loan amount exceeds the loan limit, the communication unit receives loan approval rejection information from the card company server and transmits it to the payment terminal device,
If the loan amount exceeds the above loan limit,
the communication unit
Receives a sales offset loan request corresponding to the loan approval rejection information from the payment terminal device and transmits it to the card company server, and receives loan addition limit information calculated based on the total sales of the affiliated store from the card company server to make the payment By sending it to the terminal device, the loan to offset sales is executed in the loan addition limit range,
The sales offsetting loan is a payment relay server in which at least a portion of the loan amount is deducted from the payment to be paid in the future from the credit card company. A payment relay server connected between a payment terminal device of an affiliated store and a card company server to process a card payment, the payment relay server comprising:
Receives the loan service request of the card company server including card information, authentication information, and service identification information for the card to be used for loan from the payment terminal device of the affiliated store and transmits it to the card company server, and to check the loan limit granted to the card a communication unit for receiving approval information for the loan service request from the card company server and transmitting the information to the payment terminal device; and
and an approval processing unit for processing a payment approval request or a loan service request received from the payment terminal device,
When the loan amount exceeds the loan limit, the communication unit receives loan approval rejection information from the card company server and transmits it to the payment terminal device,
If the loan amount exceeds the above loan limit,
the communication unit
Receives a request for an offsetting loan corresponding to the loan approval rejection information from the payment terminal device and transmits it to the card company server, and receives the loan additional limit information calculated based on the account receivable of the credit card company of the affiliated store from the card company server By sending it to the payment terminal device, the loan offsetting loan is executed in the loan addition limit range,
The debt offsetting loan is a payment relay server in which at least a portion of the loan amount is deducted from the payment to be paid in the future from the credit card company.

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