KR102461851B1 - System of rapid encashment of credit card sales for small and medium-sized business based bigdata - Google Patents

Abstract

The present invention relates to a real-time encashment system of electronic payment sales based on big data, wherein correlation between the encashment request data of a member shop and electronic payment sales data of the member shop is analyzed, the encashment time of the member shop is calculated based on the analysis result, and information on the amount of possible encashment at the calculated encashment time to the member shop is provided, thereby enabling part of the electronic payment sales to be paid to the account of the member shop if the owner of the member shop wants. Information on the daily sales of the member shop is analyzed and necessary money is calculated, thereby enabling the owner of the member shop to stop calculating or predicting necessary money for purchasing materials etc. after the finish of product sales day by day.

Description

Real-time advance payment system for electronic payment sales based on big data {SYSTEM OF RAPID ENCASHMENT OF CREDIT CARD SALES FOR SMALL AND MEDIUM-SIZED BUSINESS BASED BIGDATA}

The present invention relates to a real-time prepayment system for electronic payment sales based on big data, and more particularly, it analyzes the correlation between the merchant's prepayment request data and the merchant's electronic payment sales data, and calculates the prepayment point of the merchant based on the analysis result It relates to a real-time advance payment system for electronic payment sales based on big data that provides information on the amount available for advance payment to the affiliated store at the calculated advance payment time, so that a portion of the electronic payment sales amount is paid to the affiliated store's account if the franchisee wishes.

In recent years, regardless of offline and online commerce, as the use of electronic payment methods such as credit cards and various types of pay is expanding instead of cash payment, an electronic payment system through a Van (VAN) company or a Fiji (PG) company is essential. .

On the other hand, small business owners need food materials urgently, urgently spend labor costs such as part-time workers or daily dispatch expenses, spend days, purchase tableware or kitchen tools, or have unexpected accidents (e.g., breakage of windows). However, there are situations in which it is urgently needed to raise operating funds due to the occurrence of damage or damage to furniture, etc. will become Therefore, in the case of a small business that urgently needs to raise operating funds, they look for loan products from financial institutions. Due to the nature of the business, there are many problems in using private finance due to the non-simple procedures and slow processing speed.

In general, in the case of credit card payment among electronic payment methods, a user who is issued a card from a credit card company first proceeds with payment for goods or services at a merchant, and the merchant requests the credit card company to approve the use of the card through a terminal; Sales slips are issued accordingly.

Since it takes as short as 2-3 days for merchants to receive payment for credit card sales after the date of sales, and 7-8 days or more for long holidays such as Lunar New Year or Chuseok, urgent operating funds are needed. When necessary, small business owners and self-employed people are inevitably facing difficulties in management due to difficulties in operating finance.

1. Republic of Korea Patent Publication No. 10-2008-0070784 (2008.07.31.)

The present invention is to solve the above problems, analyzes the correlation between the merchant's prepayment request data and the merchant's electronic payment sales data, calculates the prepayment point of the merchant based on the analysis result, and sends the merchant to the merchant at the calculated prepayment point. It is intended to provide a system and method for real-time advance payment of electronic payment sales based on big data by providing information on the amount of advance payment possible and allowing a part of the amount of electronic payment sales to be paid to the merchant's account if the franchisee wishes.

In addition, an object of the present invention is to provide a system and method for real-time advance payment of electronic payment sales based on big data that analyzes daily sales information of affiliated stores and calculates necessary funds.

In addition, an object of the present invention is to provide a system and method for real-time advance payment of electronic payment sales based on big data that calculates the necessary funds in advance prior to a request for advance payment by the franchisee and guides the advance payment to the affiliated store terminal.

In addition, the present invention is a big data-based electronic payment sales real-time advance payment system that extracts the product information sold the most on the day through the daily electronic payment sales information and generates advertisement content that can advertise the product information so that the advertisement is made. and methods are provided.

In addition, an object of the present invention is to provide a system and method for real-time advance payment of electronic payment sales based on big data that collects user responses to advertisements and provides them to affiliated store terminals.

In addition, the present invention predicts that when the sales of the affiliated store increase through the electronic payment sales information of the affiliated store, the maintenance cost of the affiliated store is predicted to increase, calculates the prepaid amount of the affiliated store, and provides the calculated amount to the terminal of the franchisee We want to provide a real-time advance payment system and method for electronic payment sales based on big data.

In addition, the present invention solves the inconvenience of franchisees who have to request advance payment guidance service and receive advance payment from each financial company and card company in order to receive advance payment when a separate advance payment service is provided by a financial company and a card company, and from the point of view of the franchisee We want to provide a system and method for real-time advance payment of electronic payment sales based on big data that supports convenient and quick payment of large amounts.

In addition, the present invention inquires and guides the amount that can be paid in advance for the merchant's electronic payment sales amount to be paid later, and when the merchant requests advance payment, the system and method according to the present invention can be used immediately in the account associated with the merchant. Electronic payment sales that enable immediate financing of operating funds to small business owners or self-employed in need of urgent operating funds by immediately prepaying a portion of the sales proceeds from the electronic payment of the franchisees to be paid later to franchisees in urgent need of raising operating funds We want to provide a real-time advance payment system and advance payment method.

The real-time prepayment system for electronic payment sales based on big data according to an embodiment of the present invention is a merchant terminal, a Fiji (PG) server, a van (VAN) server, a card company server, a financial server (bank or financial VAN) through a network communication method. ), in the real-time advance payment system for electronic payment sales based on big data so that sales corresponding to electronic payment sales excluding commissions are paid in real time, the Fiji (PG) server is the collected merchants It can be characterized in that it analyzes daily sales information through the electronic payment sales information of the company, calculates the necessary funds for the franchisees in advance based on the daily sales information analysis results, and guides the payment of the calculated necessary funds in advance.

In one embodiment, the Fiji (PG) company server guides the amount that can be paid in advance when guiding the necessary funds, and supports payment of the necessary funds within the amount that can be paid in advance in response to the request of the franchisee. .

In one embodiment, the Fiji (PG) company server categorizes the electronic payment sales information by items sold and performs statistical processing, generates corresponding strength information based on the statistical processing result, and advertises based on the strength information It may be characterized in that the content is created to support advertisements through advertisement media.

In one embodiment, the Fiji (PG) server may collect the user's advertisement reception response result after advertisement is made through advertisement media and provide it to the affiliated store terminal.

The real-time prepayment system for electronic payment sales based on big data according to another embodiment of the present invention includes a terminal (POS, credit card inquiry machine or smartphone application, etc.) of a merchant through a network communication method, a Fiji (PG) server, and a financial server ( A communication unit connected to a bank or financial VAN), a prepayment amount guide for setting a prepayment amount for the electronic payment sales amount of the affiliated store and providing it to the affiliated store terminal The advance payment amount from the parent account prepared in the financial server to the account associated with the affiliated store by setting the amount deducting the preset fee from the amount and the advance payment request amount as the advance payment amount and then transmitting the payment request to the financial server in real time and a prepayment processing unit for making this real-time payment, and when the final electronic payment sales amount is later paid from the parent account to the account linked to the affiliated store, the amount obtained by subtracting the advance payment from the final electronic payment sales amount is with the affiliated store It may be characterized in that it is paid to a linked account.

In one embodiment, the present invention provides information on the prepayment amount, the fee, the amount obtained by subtracting the fee from the prepayment request amount, and the prepayment details to the affiliated store terminal, so that it is output through the screen of the affiliated store terminal It may be characterized by further comprising an information output unit.

In one embodiment, in the process of setting the prepayable amount, the prepaid amount guide unit may adjust the payment ratio of the prepayable amount to the electronic payment sales amount according to the level set for the affiliated store. have.

In an embodiment, the prepaid amount guide unit may adjust the set amount of the fee according to a level set for the affiliated store in the process of setting the prepayable amount.

In an embodiment, the advance payment amount guide unit may adjust the number of payment of the advance payment amount according to a level set for the affiliated store in the process of setting the advance payment possible amount.

The real-time prepayment method for electronic payment sales based on big data according to another embodiment of the present invention includes a communication unit through a network communication method with a terminal (POS, credit card inquiry machine or smartphone application, etc.) of an affiliated store and a Fiji (PG) server and finance Connected to the server, the advance payment amount guide sets the prepayment amount for the electronic payment sales amount of the affiliated store and provides it to the affiliated store terminal, and replying from the affiliated store terminal the advance payment request amount for the prepayable amount and advance payment In the processing unit, an amount obtained by deducting a preset fee from the prepayment request amount is set as the prepayment amount and then a payment request is transmitted to the financial server in real time, thereby transferring the payment request from the parent account prepared in the financial server to the account associated with the affiliated store. and allowing the advance payment to be paid in real time, and when the final electronic payment sales are paid from the parent account to the account linked to the affiliated store later, the amount obtained by deducting the advance payment from the final electronic payment sales is the amount of the affiliated store It may be characterized in that it is paid to an account associated with the

In one embodiment, the present invention provides the merchant terminal with information on the prepaid amount, the fee, the amount obtained by deducting the fee from the prepayment request amount, and the advance payment details through the information output unit to display the screen of the merchant terminal It may be characterized in that it further comprises the step of outputting through.

In one embodiment, in the step of replying to the prepayment request amount, in the process of setting the prepayable amount in the prepaid amount guide unit, the prepayable amount compared to the electronic payment sales price according to the level set for the affiliated store It may be characterized in that it comprises the step of adjusting the payment rate.

In one embodiment, the step of replying to the advance payment request amount includes adjusting the set rate of the fee according to the level set for the affiliated store in the process of setting the advance payment possible amount in the advance payment amount guide unit It can be characterized as

In one embodiment, the step of replying to the advance payment request amount includes adjusting the number of payments of the advance payment amount according to the level set for the affiliated store in the process of setting the advance payment possible amount in the advance payment amount guide unit It can be characterized as

According to one aspect of the present invention, by inquiring and guiding the prepayment amount that can be paid immediately for the electronic payment sales amount of the affiliated store to be paid later, and immediately paying the advance payment request amount requested by the affiliated store terminal to the account associated with the affiliated store , by immediately prepaying a portion of the sales proceeds from the e-payment of the franchisee to be paid later to franchisees in urgent need of operating capital, it can contribute to smooth business operation by enabling immediate operating financing for small business owners or the self-employed who need urgent operating funds. have an advantage

The present invention has the effect of preventing the franchisee from calculating or predicting the necessary funds for that day, such as purchasing materials after the end of product sales, by analyzing daily sales information of the affiliated store to calculate the necessary funds.

The present invention calculates the necessary funds in advance before the franchisee's request for advance payment and guides the advance payment to the affiliated store terminal, so that the franchisee can quickly request advance payment and prepare for the next day, which reduces the working hours of the franchisee. and has the effect of reducing the work of the franchisee.

The present invention has the effect of maximizing the profit of the affiliated store by extracting the product information sold the most on that day through the daily electronic payment sales information and creating advertisement content that can advertise the product information. have.

According to the present invention, by collecting user responses to advertisements and providing them to the affiliated store terminals, service improvement of affiliated stores, etc. can be achieved, which has the effect of improving the profits of affiliated stores.

The present invention also solves the inconvenience of franchisees who have to request an advance payment guidance service from each of the financial and card companies and receive the advance payment in order to receive the advance payment when the financial company and the card company separately provide the advance payment service, and From the standpoint of the state, it has the effect of being able to receive a large amount of money quickly and conveniently.

1 is a view sequentially illustrating a process in which general card sales are generated and payments are made thereafter.
2 is a diagram illustrating the configuration of a real-time advance payment system for electronic payment sales based on big data according to an embodiment of the present invention.
FIG. 3 is a diagram for explaining the configuration of a Fiji (PG) server of FIG. 2 .
4 is a diagram showing the configuration of a real-time advance payment 100 of electronic payment sales based on big data according to another embodiment of the present invention.
FIG. 5 is a view sequentially illustrating a process of prepaying electronic payment sales in real time through the real-time advance payment system 100 for electronic payment sales shown in FIG. 3 .
FIG. 6 is a diagram illustrating a screen on which information on the amount of advance payment possible, the fee, the amount obtained by subtracting the fee from the requested amount for advance payment, and information on the advance payment details is output through the information output unit 140 .

Hereinafter, preferred examples are presented to help the understanding of the present invention. However, the following examples are only provided for easier understanding of the present invention, and the content of the present invention is not limited by the examples.

1 is a view sequentially illustrating a process of paying a general card sales price.

Referring to FIG. 1 , in general, the payment for card sales paid at the affiliated store is paid to the account associated with the affiliated store through the following process.

First, when payment is made through the merchant's terminal (POS, credit card inquiry machine, smartphone application, etc.), the merchant requests credit card approval from the PG company's server, and the approval request goes through the VAN company's server. It is transmitted to the card company server corresponding to the credit card. The card company server approves the payment of the corresponding credit card to generate an approval result, and the generated approval result is again transmitted to the terminal of the affiliated store through the VAN company server and the PG company server, thereby completing the overall credit card payment.

Thereafter, after 2 to 3 business days from the date the credit card payment is completed, each card company requests the bank server to pay the card sales amount after limiting the card fee to the PG company account, and the bank Payment of card sales proceeds from the account of each card company to the account of the PG company.

Thereafter, the PG company server requests the bank server to pay the amount obtained by deducting the fee paid by the member and the member from the card sales amount deposited for each card company in his/her account from his/her own account to the member's account.

As a result, merchants receive payments 2-3 business days after credit card sales occur. In reality, sales every Thursday or Friday take 4-5 days, and if there is a Lunar New Year or holiday, In reality, which takes more than 7 days, small business owners and self-employed people who urgently need operating funds have a problem that they have no choice but to find other financing channels.

(Example 1)

2 is a diagram illustrating the configuration of a real-time advance payment system for electronic payment sales based on big data according to an embodiment of the present invention. FIG. 3 is a diagram for explaining the configuration of the Fiji (PG) server of FIG. 2 .

In the present invention, information and data are used interchangeably with the same meaning.

The real-time prepayment system for electronic payment sales based on big data according to the present invention is, as shown in FIG. 2, a merchant terminal, a Fiji (PG) server, a van (VAN) server, a card company server, a financial server ( When electronic payment sales occur through a bank or financial VAN), the sales corresponding to electronic payment sales excluding fees are paid in real time.

The Fiji (PG) server analyzes daily sales information through the collected electronic payment sales information of the affiliated stores, calculates the necessary funds for the affiliated stores in advance based on the daily sales information analysis results, and guides the payment of the calculated necessary funds in advance .

The Fiji (PG) company server guides the amount that can be paid in advance when guiding the necessary funds, and supports the necessary funds to be paid within the amount that can be paid in advance in response to the request of the franchisee.

The Fiji (PG) server classifies the electronic payment sales information for each item sold and performs statistical processing, generates corresponding strength information based on the statistical processing result, and generates advertisement content based on the strength information to create advertisement media support through advertising.

The Fiji (PG) server collects electronic payment sales information sent from the affiliated store terminal, classifies the electronic payment sales by each card, determines the advance payment for the classified electronic payment sales, and transfers the determined advance payment to the franchisee. In order to be paid according to the request, advance payment is requested to each financial company server and card company server through the financial van (VAN) company. If there is no Fiji (PG) server to which the present invention is applied and a separate prepayment service is provided by a financial company and a credit card company, the store owner has the inconvenience of having to request a prepayment guidance service from the financial company and the corresponding card company in order to receive the advance payment. In order to receive gold payment, there is a hassle of having to separately request payment from the relevant financial company and the corresponding credit card company. This inconvenience can be solved by the Fiji (PG) company server to which the present invention is applied, and the franchisee can conveniently receive a large amount of money quickly.

The Fiji (PG) server collects the user's advertisement reception response result after advertisement is made through advertisement media and provides it to the affiliated store terminal.

As shown in FIG. 3 , the Fiji (PG) server 200 includes an electronic payment sales and analysis data storage unit 210 , an electronic payment sales data collection unit 220 , and an electronic payment sales data analysis unit 230 . , required fund prediction unit 240, prepayment guide unit 250, prepayment processing unit 260, electronic payment sales processing unit 270, electronic payment sales analysis unit 280, advertisement content generation and marketing support unit 290 consists of .

The electronic payment sales and analysis data storage unit 210 stores daily electronic payment sales data and analysis data obtained by analyzing the electronic payment sales data by matching the identification information of the affiliated store.

The electronic payment sales data collection unit 220 collects electronic payment sales data input from the affiliated store terminal and stores it in the electronic payment sales and analysis data storage unit 210 , while providing it to the electronic payment sales data analysis unit 230 . .

The electronic payment sales data analysis unit 230 classifies the sales product information constituting the electronic payment sales data and stores it in the electronic payment sales and analysis data storage unit 210 .

The electronic payment sales data analysis unit 230 extracts, accumulates, and stores product information for sale, analyzes and stores the exhaustion state data of product materials and purchase material prediction data, and stores it as analysis data, while using the required funds prediction unit 240 to provide.

The necessary funds prediction unit 240 calculates and predicts the necessary funds based on the analysis data. That is, the required fund prediction unit 240 can check the product information to be purchased based on the purchase material prediction data constituting the analysis data, and after checking the current market price of the product information, apply the current price information to the sales quantity for the product The purchase cost is calculated, the necessary funds are predicted based on the calculated product purchase cost, and the necessary funds are provided to the affiliated store terminal through the advance payment guide 250 so that the franchisee can check it.

The advance payment processing unit 260 checks the required funds guided through the advance payment information unit 250 and checks whether a prepayment request is input from the merchant terminal, and when the advance payment request is input, the advance payment is made through the electronic payment sales processing unit 270 support to make it happen.

When a request for advance payment is input from the affiliated store terminal, the electronic payment sales processing unit 270 makes a request for payment of the requested amount in advance to a financial van (VAN) company, and the financial van (VAN) makes a request for payment of the requested amount in advance to a financial server, and a financial server pays the amount requested for advance payment to the merchant registration account. Thereafter, when the electronic payment sales processing unit 270 pays the electronic payment sales payment to the affiliated store registration account, the advance payment is deducted from the original electronic payment sales amount and then deposited.

The advertisement content creation and marketing support unit 280 extracts the most sold product from among the product information analyzed through the electronic payment sales data analysis unit 230, and after generating advertisement data related to the product, Instagram Exposure through online media such as When the advertisement content creation and marketing support unit 280 generates the generated advertisement content, it combines a hashtag with high relevance to the product and exposes it to the online medium. In this way, the advertising content is exposed to the relevant hashtag community, which achieves maximum advertising effectiveness.

The operation method of the real-time advance payment system for electronic payment sales based on big data configured as described above is as follows.

The Fiji (PG) company server 200 collects electronic payment sales data input from the affiliated store terminal through the electronic payment sales data collection unit 220 and stores it in the electronic payment sales and analysis data storage unit 210, while electronic It is provided to the payment sales data analysis unit 230 .

The electronic payment sales data analysis unit 230 of the Fiji (PG) company server 200 classifies the sales product information constituting the electronic payment sales data and stores it in the electronic payment sales and analysis data storage unit 210 . At this time, the electronic payment sales data analysis unit 230 accumulates and analyzes the sales product information, so that the product with the most sales during the day can also be identified, the exhaustion state of the materials of the sold product can be predicted, and the part for additional purchase can also be predicted. That is, the electronic payment sales data analysis unit 230 extracts, accumulates, and stores the sales product information, analyzes the product material exhaustion data and purchase material prediction data and stores it as analysis data, while the required fund prediction unit 240 provided with

And the necessary funds prediction unit 240 calculates and predicts the necessary funds based on the analysis data. That is, the required fund prediction unit 240 can check the product information to be purchased based on the purchase material prediction data constituting the analysis data, and after checking the current market price of the product information, apply the current price information to the sales quantity for the product The purchase cost is calculated, the necessary funds are predicted based on the calculated product purchase cost, and the necessary funds are provided to the affiliated store terminal through the advance payment guide 250 so that the franchisee can check it.

The advance payment processing unit 260 checks the required funds guided through the advance payment information unit 250 and checks whether a prepayment request is input from the merchant terminal, and when the advance payment request is input, the advance payment is made through the electronic payment sales processing unit 270 support to make it happen.

When a request for advance payment is input from the affiliated store terminal, the electronic payment sales processing unit 270 makes a request for payment of the requested amount in advance to a financial van (VAN) company, and the financial van (VAN) makes a request for payment of the requested amount in advance to a financial server, and a financial server pays the amount requested for advance payment to the merchant registration account. Thereafter, when the electronic payment sales processing unit 270 pays the electronic payment sales payment to the affiliated store registration account, the advance payment is deducted from the original electronic payment sales amount and then deposited.

On the other hand, the advertisement content creation and marketing support unit 280 of the Fiji (PG) server 200 extracts the most sold product among the product information analyzed through the electronic payment sales data analysis unit 230, and the corresponding product After generating advertisement data related to the advertisement, it is exposed through online media such as Instagram. When the advertisement content creation and marketing support unit 280 generates the generated advertisement content, it combines a hashtag with high relevance to the product and exposes it to the online medium. In this way, the advertising content is exposed to the relevant hashtag community, which achieves maximum advertising effectiveness.

The advertisement content creation and marketing support unit 280 collects the reactions (comments, likes, etc.) of users who touched the advertisement contents when the advertisement contents are exposed and provides them to the affiliated store terminal, and the affiliated store terminal allows the affiliated store owners to respond to the users' reactions. It allows you to accurately understand the products being sold and come up with another way to accelerate sales.

(Example 2)

4 is a diagram illustrating the configuration of a system 100 for real-time advance payment of electronic payment sales based on big data according to an embodiment of the present invention.

Referring to FIG. 4 , the electronic payment sales real-time advance payment system 100 according to an embodiment of the present invention may largely include a communication unit 110 , a prepayment amount guide unit 120 , and a prepayment progress unit 130 . , additionally, through the screen of the affiliated store terminal, it is configured to further include an information output unit 140 for outputting the prepaid amount, the fee, the amount obtained by subtracting the fee from the prepaid request amount, and the prepayment details.

In general, the electronic payment sales real-time advance payment system 100 according to an embodiment of the present invention serves to perform a role of prepayment for electronic payment sales as well as a role corresponding to the PG company server.

First, the communication unit 110 is a merchant terminal (POS, credit card inquiry machine or smartphone application, etc.), a PG company (payment agency) server, a VAN server, a card company server, and a financial server (bank or financial VAN) through a wired/wireless network communication method. ), it plays a role in enabling information to be exchanged between affiliated stores terminal, PG server, VAN server, card company server, and financial server.

In addition, the merchant terminal herein may mean a terminal including a separate program for communicating real-time cash information with a PG company (payment agency).

The advance payment amount guide unit 120 sets the advance payment possible amount only for the electronic payment sales amount that the affiliated store will receive later, and provides it to the affiliate store terminal through the communication unit 110, and the advance payment request amount for the advance payment possible amount from the affiliate store terminal serves as a reply to

More specifically, the electronic payment sales to be received by the affiliated store later may mean the total electronic payment sales that have not yet been paid to the affiliated store, and during a specific period (eg, weekly, daily, etc.) It may mean the generated electronic payment sales amount, or it may mean the sales amount for a specific electronic payment case selected through the affiliated store terminal.

The advance payment amount guide unit 120 sets the advance payment possible amount from among the total amount of electronic payment sales to be received by the affiliated store in the future.

At this time, in the process of setting the advance payment possible amount for each affiliate store in the advance payment amount guide unit 120, the payment ratio of the advance payment amount to the electronic payment sales price may be uniformly unified, or in one embodiment, for each affiliate store According to the set level, the payment ratio of the amount that can be paid in advance to the sales amount of the electronic payment can be adjusted.

For example, if it is assumed that the electronic payment sales amount to be received by a specific affiliated store in the future is 1 million won, the electronic payment that the affiliated store will receive later from the van (VAN) server through the communication unit 110 in the advance payment amount guide unit 120 The sales price is inquired, and the ratio of the pre-payable amount out of 1 million won is set to 90%, and the pre-payable amount is finally determined to be 900,000 won.

In one embodiment, if a plurality of affiliated stores are differentially classified according to a number of levels according to the number of contract days with each affiliated store, the number of credit card payments, credit, etc. It can be adjusted upwards or downwards to 50% or less.

For example, if it is judged that the above-exemplified affiliate store has excellent credit, has many contracts, and is a first-level (family) affiliate store due to the large number of credit card payments, the amount that can be prepaid at the affiliated store is 100% of the 1 million won. , and finally, the prepayment amount may be determined to be 1 million won.

Conversely, if it is determined that the merchant has low credit, a small number of contract days, and no credit card payments, so it is a level 5 (family) merchant, the amount that can be paid in advance of the merchant can be set at a rate of 50% of 1 million won. , the final prepayment amount may be determined to be 500,000 won. Of course, the same payment rate (for example, 90% of the electronic payment sales amount) may be applied to all affiliated stores without classifying the affiliated store level.

Here, it should be noted that the level of each affiliated store is an example, and the prepaid amount ratio is also given as an example. However, the level (or grade) may be determined according to any criteria that can classify the merchant, such as the credit of the merchant, the number of contract days, the number of credit card payments, etc., and the amount that can be paid in advance according to the level (or grade) The ratio can be adjusted at will.

In addition, in an embodiment, the advance payment amount guide unit 120 may adjust the set ratio of fees in addition to the payment ratio of the advance payment possible amount to the electronic payment sales price in the process of setting the advance payment possible amount.

For example, if the prepayment amount information unit 120 determines that the credit card of a specific affiliate store is excellent, the number of contract days, and the number of credit card payments are large, so that it corresponds to a first-class (family) affiliate store, the advance payment fee for the affiliated store is provided. It can be set at 1,000 won per case. Conversely, if it is determined that the affiliated store has low credit, few contract days, and no credit card payments, so it is a level 5 (family) affiliate, the prepayment fee to the affiliated store is 5,000 won per case. can also be set to Of course, the same prepayment fee (eg, 1,000 won) may be applied to all affiliated stores without classifying the affiliated store level.

Here, it should be noted that the level of each affiliated store is an example, and the amount of prepaid fee set is also given as an example. However, the level (or grade) may be determined according to any criteria that can classify the merchant, such as the credit of the merchant, the number of contract days, the number of credit card payments, etc., and the fee amount per case according to the level (or grade) can be adjusted at any time.

In addition, in one embodiment, in the process of setting the advance payment possible amount, the advance payment amount guide unit 120 determines the payment ratio of the advance payment amount to the electronic payment sales amount and the setting ratio of the fee, as well as the number of times of payment of the advance payment amount for each affiliate store Can be adjusted.

For example, if the prepayment amount guide unit 120 determines that the credit card of a specific affiliate store is excellent, the number of contract days, and the number of credit card payments are large, so that it corresponds to a first-class (family) affiliate store, The number of payments can be set unlimitedly. Conversely, if it is determined that the merchant has low credit, few contract days, and no credit card payments, so it is a level 5 (home) merchant, the number of advance payments to the merchant may be limited to once a week or three times a week. Of course, the same number of payments (eg, unlimited) may be applied to all affiliated stores without classifying the affiliated store level.

Here, it is noted that the level of each affiliated store is given as an example, and the number of payments is also given as an example. However, the level (or grade) may be determined according to any criteria that can classify the affiliated store, such as the credit of the affiliated store, the number of contract days, the number of credit card payments, etc., and the number of payments according to the level (or grade) Anything can be adjusted.

Meanwhile, the advance payment amount guide unit 120 provides the previously set prepayable amount to the affiliated store terminal through the communication unit 110 , and returns a prepayment request amount for the corresponding advance payment possible amount from the affiliated store terminal.

At this time, for example, if it is assumed that the prepayment amount is 1 million won, all of the 1 million won may be selected as the prepayment request amount through the affiliated store terminal, or a part of 300,000 won may be selected as the prepayment request amount.

That is, the amount requested for advance payment can be freely adjusted within the limit of the amount that can be paid in advance through the affiliated store terminal.

Next, the prepayment processing unit 130 sets the prepayment amount by deducting the fee from the prepayment request amount selected through the affiliate store terminal, and transmits it to the financial server of the bank in real time, thereby providing a parent account (the inventor of the present invention) It serves to request that the corresponding advance payment be immediately paid to the account linked to the affiliate store in real time in the electronic payment sales real-time advance payment system 100 (account linked to).

For this, the advance payment processing unit 130 always deposits and charges an amount equal to or greater than the sales price of the merchant's electronic payment in the mother account.

For example, if the prepayment request amount requested through the affiliated store terminal is 300,000 won and the fee for the prepayment case is 1,000 won, the advance payment processing unit 130 sets the advance payment amount corresponding to 299,000 won, and then 299,000 won from the server's parent account is requested to be paid to the account linked to the affiliated store.

After this process, when the electronic payment sales amount for each card company is paid from the financial server to the parent account of the present invention later, the advance payment processing unit 130 pays the electronic payment sales amount from the parent account to the account linked to the affiliated store. In the process of requesting, the final electronic payment sales amount is requested to be paid by deducting the previously paid advance payment.

Meanwhile, in one embodiment, a separate financial van (VAN) company server may be intervened between the electronic payment sales real-time advance payment system 100 according to the present invention and the financial server, and the electronic payment sales real-time advance payment system 100 and Note that it only serves as an intermediary for the request for advance payment between financial servers, and is not necessarily a configuration between the electronic payment sales real-time advance payment system 100 and the financial server.

Next, a process of prepayment of electronic payment sales in real time through the real-time advance payment system 100 based on big data based on the aforementioned big data will be described with reference to FIG. 5 .

FIG. 5 is a view sequentially illustrating a process of prepaying electronic payment sales in real time through the real-time advance payment system 100 based on the big data shown in FIG. 4 .

Referring to FIG. 5 , first, when a credit card payment is performed through a credit card payment terminal at an affiliated store, a credit card credit request is transmitted to the corresponding credit card company server through the communication unit 110 of the present invention, and the credit card company server pays the corresponding credit card The result of approval is transmitted to the affiliated store terminal again through the communication unit 110 .

Next, the advance payment amount guide unit 120 of the present invention sets the prepayable amount for the electronic payment sales amount of the affiliated store and provides it to the affiliated store terminal, and the affiliated store owner can check the prepayable amount through the affiliated store terminal, and make advance payment You may request

Based on this, the advance payment processing unit 130 sets the amount obtained by subtracting the advance payment fee from the advance payment request amount as the advance payment amount and transmits it to the financial server as a payment request, and the corresponding advance payment amount from the parent account provided in the financial server to the account linked to the affiliated store This will be paid out immediately in real time.

Later, when a request for payment of the electronic payment sales amount for each credit card company is transmitted to the bank server, the bank server pays the electronic payment sales amount for each card company to the mother account of the present invention. In this case, the time point at which the request for payment of the electronic payment sales amount is transmitted to each credit card company corresponds to a time point 2 to 3 business days after the credit card payment approval is made.

In addition, the advance payment processing unit 130 transmits a payment request to the financial server so that the remaining amount excluding the advance payment amount paid in advance from the electronic payment sales amount for each credit card company paid to the mother account is paid from the mother account to the account associated with the affiliated store. As a result, the remaining payment is completed from the parent account to the account linked to the affiliated store.

Next, a screen of the affiliated store terminal on which information on the prepayable amount, fee, advance payment details, etc. transmitted from the information output unit 140 of the present invention to the affiliated store terminal is output will be looked at.

FIG. 6 is a view showing a screen on which an application including information on advance payment details and an amount obtained by subtracting a fee from a prepayment request amount and a prepayment amount on the affiliated store terminal through the information output unit 140 is output.

Referring to FIG. 6( a ), a login screen of an application that enables login for each account of each affiliated store terminal is output so that a prepayment request through the affiliated store terminal is possible. Accordingly, the affiliate store owner logs in by entering his or her account ID and password into the application executed on the affiliate store terminal.

Referring to FIG. 6(b), it can be confirmed that the advance payment amount set through the advance payment amount guide unit 120, the area for inputting the advance payment request amount that can be replied through the affiliated store terminal accordingly, and the advance payment fee are output. have. Currently, in FIG. 5(b), a screen for enabling an application for advance payment of daily electronic payment sales is shown, but in addition to daily electronic payment sales, electronic payment sales by specific time not shown in FIG. 5(b) are also applied. This may be possible.

Referring to FIG. 6( c ), it can be seen that the advance payment details applied on a specific date (e.g., advance payment date, advance payment amount, account information, advance payment requests requested through the merchant terminal, etc.) are output through the screen of the merchant terminal. .

Although the above has been described with reference to the preferred embodiments of the present invention, those skilled in the art can variously modify and change the present invention without departing from the spirit and scope of the present invention as set forth in the following claims. You will understand that you can.

100, 200: Big data-based electronic payment sales real-time advance payment system
110: communication department
120: Advance payment information department
130: advance payment progress unit
140: information output unit
210: Electronic payment sales and analysis data storage unit
220: Electronic payment sales data collection unit
230: Electronic payment sales data analysis unit
240: required fund forecasting unit
250: advance payment information department
260: advance payment processing unit
270: Electronic payment sales processing unit
280: Electronic payment sales analysis department
290: Advertising content creation and marketing support department

Claims (7)

Through the network communication method, when electronic payment sales are generated through merchant terminals, Fiji (PG) server, van (VAN) server, card company server, and financial server, the sales corresponding to electronic payment sales excluding fees are paid in real time. In the real-time advance payment system for electronic payment sales based on big data,
The Fiji (PG) server analyzes daily sales information through the collected electronic payment sales information of the affiliated stores, calculates the necessary funds of the affiliated stores in advance based on the daily sales information analysis results, and guides the payment of the calculated necessary funds in advance characterized in that
The Fiji (PG) server is an electronic payment sales and analysis data storage unit that matches the identification information of the affiliated store and stores daily electronic payment sales data and analysis data analyzing the electronic payment sales data, and input from the affiliated store terminal The electronic payment sales data is collected and stored in the electronic payment sales and analysis data storage unit, while the electronic payment sales data collection unit provided to the electronic payment sales data analysis unit and the sales product information constituting the electronic payment sales data are classified. It is stored in the electronic payment sales and analysis data storage unit, and while extracting, accumulating, and storing product information for sale, it analyzes and stores the exhaustion state data of product materials and purchase material prediction data as analysis data, while providing it to the required fund prediction unit An electronic payment sales data analysis unit, a necessary fund prediction unit that calculates and predicts the necessary funds based on the analysis data, a prepayment guide unit that provides the calculated necessary funds to the merchant terminal, and the need guided through the prepayment guide unit A prepayment processing unit that confirms funds and checks whether a request for advance payment is input from the merchant terminal, and supports to make advance payment through the electronic payment sales processing unit when the advance payment request is input;
The Fiji (PG) company server guides the amount that can be paid in advance when guiding the necessary funds, and supports the necessary funds to be paid within the amount that can be paid in advance in response to the request of the franchisee,
The Fiji (PG) company server classifies the electronic payment sales information for each item sold and performs statistical processing, generates strength information of the affiliated store based on the statistical processing result, and generates advertisement content based on the strength information to support advertising through advertising media,
The Fiji (PG) server collects the user's advertisement reception response result after advertisement is made through advertisement media and provides it to the affiliated store terminal,
The prepayment guide unit, in the process of setting the prepayable amount, characterized in that it adjusts the payment ratio of the prepayable amount to the electronic payment sales amount according to the level set for the affiliated store,
When electronic payment sales are generated through the merchant terminal, Fiji (PG) server, van (VAN) server, card company server, and financial server through network communication method, the sales corresponding to electronic payment sales excluding commission are paid in real time,
The merchant terminal is a big data-based electronic payment sales real-time advance payment system, characterized in that it is a terminal including a separate program that can communicate real-time cash information with PG, a payment agency.
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