KR102342083B1 - method for mediating payment for freelancer's service pay - Google Patents

Abstract

According to the present invention, a contract for service conditions or various usage fees, including service time and service fee, is concluded in real time between a business operator and a freelancer through an external intermediary agency, and the settlement and payment are automatically made without operator intervention. It relates to a payment brokerage method.
The freelance service fee payment mediation method of the present invention is that the mediation server transmits the registered business ID and bank account information and the registered freelancer ID and bank account information to the payment agency server, the card company server, or both through a wired/wireless communication network. (a) storing; (b) transmitting, by the brokerage server, the contract contents including the store operator ID, the freelancer ID, and the service fee to the store management terminal through a wired/wireless communication network; Step (c) of delivering the business ID, freelancer ID, payment amount and service fee information to the payment terminal through the wired/wireless communication network after the store management terminal receives the sales details and freelancer information provided when sales occur; and the payment terminal The payment time, payment amount, business ID, freelancer ID, payment amount and service fee information are delivered to the card company server through the payment agency server connected through the wired/wireless communication network, and the card company server itself or the payment agency server allows the business bank account and freelancer This is done, including the step (d) of remitting each of the operator's fee and service fee to a bank account.

Description

Mediating method for freelancer's service pay {method for mediating payment for freelancer's service pay}

The present invention relates to a freelance service fee payment brokerage method, in which a contract for service conditions or various usage fees including service time and service fee is concluded in real time between a business operator and a freelancer through an external intermediary agency, and the settlement and payment according to the contract are concluded in real time It relates to a freelance service fee payment brokerage method that is made automatically without intervention.

As is well known, as the method of paying for goods or services through credit or debit cards has become common, various types of cards are being issued, and the number of card merchants that can use the card as a payment method also increases significantly. are doing In line with this trend, when a merchant requests payment with a user's card, POS payment is made by accessing the network of the card company through networks such as payment agencies, that is, VAN (Value Added Network) and PG (Payment Gateway) companies. A system and a card terminal payment system have been established and widely used.

1 is a network configuration diagram of a general card payment system (refer to Prior Art 1). 1, a general card payment system includes a merchant payment terminal, for example, a POS terminal or a card terminal 100, a payment agency (VAN company or PG company) server 200, a card company server 300, and the National Tax Service. It consists of a server (400). Here, the affiliated store payment terminal 100 such as a POS terminal is connected to a store management terminal (not shown) for inputting, calculating, and storing payment and sales related information and a printer for issuing receipts.

Next, when the payment agency server 200 receives payment information from the affiliated store payment terminal 100, it transmits it to the corresponding card company server 300, and receives payment information such as approval/theft/accident from the card company to pay the affiliated store Payment is made by transmitting to the terminal 100 .

In the payment process of the above-mentioned payment system, the card company charges a fee to the affiliated store and pays the payment to the affiliated store after a certain period of time, for example, 3 to 7 days, has elapsed. The lump-sum payment amount is immediately withdrawn by the card company server 300 from the card user's linked bank account and deposited into the card company account. In the case of a pure credit card or other credit card, a high rate of interest is included in the payment amount when purchasing in installments. You are withdrawing from your bank account.

On the other hand, when most companies or workplaces hire workers for business, they employ uniform conditions and hire the appropriate staff. has been In order to supplement and improve the problems associated with these types of employment, employment types such as freelancers or part-time workers are being considered as alternatives. Hereinafter, a form of employment other than direct employment, that is, manpower who works part-time, such as freelancers or part-timers, is collectively referred to as 'freelancers'.

However, in the case of such part-time workers, since the status of freelancers is relatively unstable compared to regular workers, freelancers are at a disadvantage because they do not clarify the contractual matters related to remuneration (hereinafter collectively referred to as 'service fee') such as hourly wage and payment time. Even if the contract details are clearly defined, there have always been problems such as not receiving or receiving insufficient service fees depending on the intention or circumstances of the employer (hereinafter collectively referred to as the 'business operator').

In consideration of the above-described problems, a payment relay system between a consumer and a freelancer without going through an operator is proposed as the following prior art 2 . According to the above-mentioned prior art 2, when a freelancer (member) allocates the amount to be paid for each freelancer for each payment when making a card payment for sales generated by a freelancer (member) providing services or goods for a business operator (manager), the information is finally After being sent to the card company server, the amount to be paid to the freelancer is distributed to the bank account registered by the freelancer in advance.

However, prior art 2 is an invention focusing on simply distributing the amount to be paid to freelancers for sales generated by freelancers directly by the card company server directly to freelancers. Since the service fee is not automatically distributed, there is a possibility that a dispute may arise between the business operator and the freelancer regarding the distribution ratio.

In addition, there were no countermeasures for cases in which freelancers did not provide services at the specified time, and there were problems in that there was still room for disputes because there were no standards for personnel or equipment usage fees additionally provided by business operators.

In addition, in the following prior art 3, when an unspecified number is assigned to an unspecified number in a certain form and registered as a member, and a request for surrogate operation from the user (customer) occurs through the promotion of the member who has been given the unique number, the surrogate operation service is performed. A surrogate operation operating system using a unique number and its operation method have been proposed, in which a certain amount of profit is paid to members (members assigned a unique number) for surrogate operation promotion and service costs.

Prior Art 1: 10-1886573 Registration Patent Publication (Title of the Invention: Card Payment System) Prior Art 2: 10-2004-0099004 Unexamined Patent Publication (Title of the invention: payment relay system between consumers and freelancers without going through a business operator) Prior Art 3: 10-2013-0131547 Unexamined Patent Publication (Title of the Invention: Surrogate operation operating system using unique number and operating method thereof)

The present invention has been devised to solve the above problems, and contracts for service conditions including service time and service fees or various usage fees are concluded in real time between a business operator and a freelancer through an external intermediary agency, and settlement and payment are performed accordingly The purpose of this is to provide a brokerage method for payment of freelance service fees that is made automatically without the intervention of a business operator.

The freelance service fee payment brokerage method of the present invention for achieving the above object is a payment agency server, a credit card company, through a wired/wireless communication network, in which the brokerage server transmits the registered business ID and bank account information and the registered freelancer ID and bank account information through a wired/wireless communication network (a) transmitting and storing the server or both; (b) transmitting, by the brokerage server, the contract details including the store operator ID, the freelancer ID, and the service fee to the store management terminal through a wired/wireless communication network; Step (c) of delivering the business ID, freelancer ID, payment amount and service fee information to the payment terminal through the wired/wireless communication network after the store management terminal receives the sales details and freelancer information provided when sales occur; and the payment terminal The payment time, payment amount, business ID, freelancer ID, payment amount and service fee information are delivered to the card company server through the payment agency server connected through the wired/wireless communication network, and the card company server itself or the payment agency server allows the business bank account and freelancer This is done including the step (d) of remittance of the operator's fee and service fee to the bank account, respectively.

In the above configuration, step (b) is performed in synchronization with the date the freelance member applies for business to the store through the mediation server.

The mediation server requests the deposit of the deposit when applying for the above business.

The contract includes information on whether an intern is used, whether materials are used, whether equipment is used, and the usage fee.

Materials and equipment fees are deducted from the service fee and transferred to the operator's bank account.

The intern fee is deducted from the service fee and transferred to the operator's escrow account.

According to the freelance service fee payment brokerage method of the present invention, a contract is concluded in real time through an external online intermediary agency so that the relationship between the operator and the freelancer is clear, and the actual work and service fee payment is automatically performed according to the contract conditions concluded in this way By doing so, many effects are exhibited as follows.

First, from the perspective of business operators, it is possible to operate manpower more actively and flexibly by reducing the risks caused by changes in seasons and economic conditions as well as the increase in recurring costs due to direct employment, and for freelancers, the desired conditions during the desired time period and period. Ultimately, it can greatly contribute to national development because it is possible to easily find a suitable store and engage in economic activities.

In this process, the settlement and payment of service costs according to the work between the business operator and the freelancer excludes the business operator's intervention, that is, the business is automatically and immediately performed by an external intermediary without giving the business operator a superior position or economic choice. It is possible to prevent unfair situations such as voluntary non-payment or arbitrary change of contract details.

In addition, it is very burdensome for freelancers to directly purchase and own equipment, such as equipment or equipment, necessary for performing their work. It is possible to provide satisfactory results to both parties by automatically setting the fee according to the prior contract, that is, deducting it from the freelancer's service fee and paying the business operator.

1 is a network configuration diagram of a general card payment system.
Figure 2 is a network configuration diagram of a freelance service fee payment brokerage system according to an embodiment of the present invention.
Figure 3 is a sequence chart for explaining a process from the freelance service fee payment brokerage method to the conclusion of a contract between the operator and the freelancer according to an embodiment of the present invention.
Figures 4a to 4d are each an example of a web page screen for explaining the process of finding a job, finding a job, and concluding a contract in the freelance service fee payment brokerage method according to an embodiment of the present invention.
5 is a sequence chart for explaining a process from start of work to payment of service fees between a business operator and a freelancer in the freelance service fee payment brokerage method according to an embodiment of the present invention.
6 is a network configuration diagram of a freelance service fee payment brokerage system according to another embodiment of the present invention.

Hereinafter, a preferred embodiment of the freelance service fee payment mediation method of the present invention will be described in detail with reference to the accompanying drawings.

2 is a network configuration diagram of a freelance service fee payment brokerage system according to an embodiment of the present invention. As shown in FIG. 2, the freelance service fee payment mediation system according to an embodiment of the present invention includes a freelance service fee mediation server 600 and an intermediary server DB 610 connected thereto to store various data and information, such as the Internet. The store management terminal 620 and the store management terminal 620 are connected to the intermediary server 600 through a communication network and manage sales and payment of each store, and a communication network, for example, a wired communication network such as RS-232C or USB, or WiFi A merchant payment terminal connected through a wireless communication network such as Bluetooth, for example, a POS terminal or card terminal (hereinafter simply referred to as a 'payment terminal') 630, a payment agency connected to the payment terminal 630 through a communication network (VAN company) or PG company) server 640 , card company server 650 and National Tax Service server 660 .

3 is a sequence chart for explaining the process from the freelance service fee payment brokerage method to the conclusion of a contract between a business operator and a freelancer according to an embodiment of the present invention, and FIGS. 4A to 4D are freelancers according to an embodiment of the present invention, respectively; It is an example of a web page screen for explaining the process of finding a job, finding a job, and concluding a contract in the service fee payment brokerage method.

As shown in FIG. 3 . First, the intermediary server 600 is a freelance terminal 670, for example, a wired / wireless freelance terminal 670, such as a desktop PC, a notebook PC, a tablet PC, or a smart phone, from time to time through an online website as shown in FIG. 4A . After performing the membership registration procedure with the freelance member through (step S10), the freelance member information input in this process is stored in the intermediary server DB 610 (step S15).

The freelance member information required at this time includes name, ID, password, and bank account information to deposit the service fee. there may be

Separately from this, the intermediary server 600 is a business member through its online website from time to time through a business operator terminal 680, for example, a wired / wireless operator terminal 680 such as a desktop PC, a notebook PC, a tablet PC or a smart phone. After performing the membership registration procedure between departments (step S20), the business member member information input in this process is stored in the intermediary server DB 610 (step S25).

Business member information required at this time may include store information, such as business name, representative name, business number, business license photo, bank account information to deposit business fees and usage fees, business phone number and address, etc. In addition, there may be business hours, the number of square meters of the business, business description, website address, and SNS information, for example, Instagram or Facebook ID and provided services.

On the other hand, although not shown, the intermediary server 600 transmits the member ID information, bank account information, and escrow account information of the business member when registering as a business member or freelance member to the payment agency server 640 or the card company server 650 or both. After providing the matching and storing to the payment agency server 640 or card company server 650, even if only the IDs of business members and freelance members are provided to the payment agency server 640 or the card company server 650, the matching bank You can check your account to make the transfer.

The mediation server 600 also communicates with the business member through its online website from time to time through the business operator terminal 680, for example, a wired / wireless operator terminal 680 such as a desktop PC, notebook PC, tablet PC or smart phone. After performing the job registration procedure between them (step S30), the job registration information input in this process is stored in the intermediary server DB 610 (step S35).

Job registration information required at this time includes title, industry type, job location, application of order number, service (recruitment) period, minimum time and service fee, deposit availability, availability of materials, equipment, and internships, usage fee, and business site photo, etc. This can be. Here, the service cost may be determined in various ways, such as a fixed amount such as an hourly wage or a distribution rate per sales, collectively referred to as a 'service cost', but in practice, the distribution rate will be widely used. Similarly, the operator's fee, intern's fee, material usage fee, and equipment usage fee can be set as a fixed amount or a distribution rate per sales, respectively. Commonly called, the distribution ratio will be used a lot in practice.

In this way, in a state in which a plurality of job listings have been registered, the freelance member logs in through the website operated by the intermediary server 600, as shown in FIG. As shown in FIG. 4D , a business application may be applied to a desired store (step S40). In this process, information required when applying for sales includes the working date (period) and time, whether the order is applied, whether to use interns, materials or equipment, and whether to agree to the contract.

When the business application is completed in this way, the mediation server 600 immediately notifies the business operator of the fact of the business application, for example, by text message, SNS, or e-mail (step S50). ), after confirming the contents, it is possible to notify the mediation server 600 of whether to approve the business for the freelance member (step S60).

Next, the mediation server 600 notifies the business approval rejection fact to the freelance terminal 670 when the business approval is rejected (step S70) from the operator terminal 680 (step S72), whereas when the business is approved While notifying the business approval fact to the freelance terminal 670, a deposit of the deposit is requested to a previously notified bank account (if there is a deposit) (step S74). Step S74 is necessary to force the freelancer to provide services during the period for which he/she applies for business. is returned

Next, the mediation server 600 notifies the freelance terminal 670 of the fact that the contract has not been established if it is not deposited after confirming that the deposit is deposited (step S80), while notifying the freelance terminal 670 (step S82) if the deposit is deposited The fact of contract establishment is notified to both sides of the operator terminal 680 and the freelance terminal 670 (step S82), and the contract details between the two parties are stored in the intermediary server DB 610 (step S90).

5 is a sequence chart for explaining a process from start of work to payment of service fees between a business operator and a freelancer in the freelance service fee payment mediation method according to an embodiment of the present invention. As shown in FIG. 5, when a business member logs in to the website of the mediation server 600 (step S100), the mediation server 600 stores all contract information between the business operator and the freelancer on that date in the mediation server DB 610 ) is read (step S110) and transmitted to the store management terminal 620 (step S120).

In this state, when sales are generated through an arbitrary freelancer in the store, the freelancer selects (inputs) the service details provided by the person through the screen of the store management terminal 620 and then outputs (displays) the screen Selects the person's name in (or vice versa), and accordingly, the store management terminal 620 automatically calculates the sales amount and outputs it on the screen (step S130).

In this way, when sales are generated, the store management terminal 620 checks the contract details delivered in step S120, that is, business operator information and freelancer information, payment amount (including installment payment, hereinafter the same), service fees and interns, materials or equipment. After checking the usage fee information, it is transferred to the payment terminal 630 (step S140).

Specifically, the order and type of data transmitted from the store management terminal 620 to the payment terminal 630 is, for example, "business ID, freelancer ID, payment amount, service fee (rate), intern usage fee (rate), material usage fee" (rate), equipment usage fee (rate), and other fees (rate)” (eg ab0001 / cd0001 / 100,000 / 45 / 10 / 7 / 2 / 2).

Next, the payment terminal 630 determines whether an arbitrary card to be used for payment is input, and if it is inputted, the payment agency after adding the payment time and card information to the information received from the store management terminal 620 in step S140 The server 640, for example, transmits it to the VAN company server or PG company server, and the payment agency server 640 transmits it to the card company server 650 used for payment (step S160) to request approval.

Specifically, the order and type of data transmitted from the payment terminal 630 to the payment agency server 640 is, for example, "payment time, card information, payment amount, business ID, freelance ID, service fee (rate), intern fee (rate), material usage fee (rate), equipment usage fee (rate), and other fees (rate)” (Example: 20191016040630 / 123456781234 / 100,000 /ab0001 / cd0001 / 45 / 10 / 7 / 2 / 2) .

Next, the card company server 650 determines whether the payment is approved by checking whether the card requested for payment is a card that cannot be approved, such as approval, theft, or accident (step S170). The server 640 notifies the payment terminal 630, the mediation server 600, or the store management terminal 620 (step S180). On the other hand, when the payment is approved, the payment approval details are transmitted to the payment terminal 630, the mediation server 600, and the store management terminal 620 through the payment agency server 640, and the mediation server 600 is post-verified. To store the payment approval details in the intermediary server DB 610 (step S200).

Separately, the card company server 650 remits the service fee minus the intern, material and equipment usage fee and other usage fees to the freelance bank account based on the service fee (rate) and various usage fee (rate) information received in step S160, and the business operator It remits business fees, materials and equipment usage fees to the bank account, and intern fees to the escrow account. Here, the escrow account may be used for accumulating an amount to be saved for monthly fees, for example, intern salaries or memberships.

6 is a network configuration diagram of a freelance service fee payment intermediary system according to another embodiment of the present invention, illustrating a configuration in which the payment agency server 640 is divided into a VAN company server 640' and a PG company server 640" are doing

In the embodiment of FIG. 6 , the payment terminal 630 provides payment information transmitted in step S160, for example, "payment time, card information, payment amount, business ID, freelance ID, service fee (rate), intern usage fee (rate), Material usage fee (rate), equipment usage fee (rate) and other fees (rate)" (Example: 20191016040630 / 123456781234 / 100,000 /ab0001 / cd0001 / 45 / 10 / 7 / 2 / 2) Payment information to VAN server (640') ) and the PG server 640", respectively.

After that, the VAN company server 640' separates only the operator's fee (rate) from among them and requests approval from the card company server 650', and the PG company server 640 "is the freelancer's service fee (rate) and usage fee (rate). ), that is, the intern usage fee (rate), material usage fee (rate), equipment usage fee (rate), and other usage fees (rate) are requested to be approved by the card company server 650' Next, the card company server 650' receives the approval If it is decided and approved, the operator fee is transferred to the operator's bank account through the VAN server 640', and the freelance service fee minus the intern, material and equipment usage fee and other fees is transferred to the PG company server (640"). Remittance to a freelancer bank account through

Above, with reference to the accompanying drawings, a preferred embodiment of the freelance service fee payment mediation method has been described in detail, but this is only an example, and various modifications and changes will be possible within the scope of the technical spirit of the present invention. Accordingly, the scope of the present invention should be defined by the description of the following claims.

For example, the registration time for service fee (rate) or various usage fees (rate) may be made at the time of registering as a business operator. The deposit deposit period may also be made at the time of signing up as a freelance member or before applying for business.

600: mediation server, 610: mediation server DB,
620: store management terminal, 630: payment terminal,
640: payment agency server, 640': VAN company server,
640": PG server, 650, 650': card company server,
660: National Tax Service / Financial Supervisory Service Server

Claims (6)

The brokerage server divides the registered business ID and bank account information, the registered freelancer ID and bank account information, and the operator's escrow account into VAN server and PG server through wired/wireless communication network. (a) inducing the payment agency server or the card company server to check the matched bank account and escrow account to perform remittance only with the business ID or the freelancer ID by transferring it to a server or both, matching and storing;
(b) transmitting, by the brokerage server, the contract contents including the store operator ID, the freelancer ID, and the service fee to the store management terminal through a wired/wireless communication network;
(c) of delivering business ID, freelancer ID, payment amount, service fee information, and usage fee information to the payment terminal through wired/wireless communication networks after the store management terminal receives the sales details and freelancer information provided when sales occur; and
The payment terminal transmits the payment time, payment amount, business ID, freelancer ID, payment amount, service cost information and usage fee information to the card company server through the payment agency server connected to the wired/wireless communication network, and the card company server operates itself or the payment agency server (d) remitting the business fee and service fee respectively to the business bank account and the freelance bank account through
Step (b) is performed in synchronization with the date the freelance member applied for business to the store through the mediation server,
The mediation server requests deposit of a deposit when applying for the business,
The mediation server notifies the freelance terminal of the fact that the contract has not been established if the requested deposit is not deposited. Store the contents of the contract between the two parties in the DB of the mediation server,
In step (d), the VAN company server separates only the operator fee from the information transmitted from the payment terminal and requests approval to the card company server, and the PG company server requests approval of the freelance service fee and usage fee to the card company server, When the card company server approves, the separated business fee is transferred to the business bank account through the VAN company server, and the service fee obtained by subtracting the material usage fee, equipment usage fee, and intern usage fee included in the usage fee information is transferred to the PG company server Freelance service fee payment brokerage method, characterized in that the money is transferred to the freelancer bank account through the transfer, the subtracted material usage fee and the equipment usage fee are transferred to the business bank account, and the subtracted intern usage fee is transferred to the business operator's escrow account. delete delete The method according to claim 1,
The contract content, freelance service fee payment brokerage method, characterized in that it includes information on whether an intern is used, whether materials are used, whether equipment is used, and the usage fee information. The method according to claim 1,
The brokerage server does not return the deposit only when the freelancer does not provide the service during the period for which the business is applied, and automatically returns the deposit to the freelancer's bank account when the freelancer provides the service. Freelance service fee payment brokerage method, characterized in that for inducing the provision of services. delete

Images