KR20000054166A - The factoring service method of credit cards and the factoring service system - Google Patents

Abstract

PURPOSE: A method and system for providing a credit card factoring service are provided so that member stores can receive card price payment directly after authorization, instead of an existing future payment. CONSTITUTION: When a user(6) uses his/her credit card in a member store(7) of an agency company(8) using this system, the price paid by the user(6) in the member store(7) is authorized by a corresponding credit card company(5). At the same time, the credit card company(5) receives dealing information of the user(6) through an agency server of the agency company(8), and buys a sale bond of the member store(7). On the basis of the sale bond, a discounted amount of money is transmitted from a main account of the agency company(8) to an account of the member store(8). When the member store(7) presents corresponding dealing information(sales ticket) to the credit card company(5), the credit card company(5) transmits the dealing price to the main account of the agency company(8).

Description

The factoring service method of credit cards and the factoring service system

Factoring service of the credit card factoring service method of the present invention is a system that reduces the financial burden of the company by providing evangelistic financing by receiving the receivables from the sales activities of the company, the present invention is the sales of the system Credit card payment agency service method and system applied to credit card company's method of paying sales amount to merchants in debt financing, that is, the system that can spend and repay the funds at any time within the balance of accounts receivables, service and construction receivables. . In the factoring service, when a debtor (that is, a buyer of goods) purchases an order to a creditor in a transaction that occurs during a commerce between companies, the creditor delivers the goods to the debtor, and then a trade receivable is generated. The capital firm will investigate the creditor's creditworthiness and, according to the terms of mutual agreement of the trade receivable from the creditor, the creditor will receive credit financing instead of transferring the bond to the capital. The debtor then provides the capital to the capital prior to the date of payment of the goods. It is an idea of the present invention to incorporate a factoring service as seen above to substitute for credit card payment. More specifically to describe the technology of the present invention as follows.

In the present invention, when an unspecified number of customers use a credit card at an affiliate store of an intermediary company operating a system applying the method of the present invention when commerce on the Internet and offline, the card company (eg BC card, national Card, foreign exchange card, Samsung card, LG card, AMX card, etc.) At the same time, the second step of purchasing the trade receivable of the affiliated store while receiving the transaction information of the customer from the credit card company to the intermediary server of the intermediary company operating the method; A third step of depositing the discounted amount of the trade receivable from the main account of the brokerage company on the basis of the trade receivable based on the trade receivable; A fourth step in which the merchant using the method of the present invention deposits the transaction amount (that is, the sales slip) to the card company, and deposits the amount of the transaction amount from the credit card company to the main account of the brokerage company operating the present invention. ; It is a credit card factoring service method using the Internet and VAN consisting of.

The card used as a payment method instead of cash in the existing commerce mainly uses bank credit cards (BC, VISA, Kookmin, LG, Samsung, etc.) and department store credit cards used in the financial sector. As of the end of March 2000, there are 43 million card issuances and 1.3 million card merchants, and the number of usages such as the government's credit card recommendation policy, the lottery system of card users, and income deduction are on the rise.

In spite of the universal use of the card, the companies participating in the card company have a very uncomfortable reality of receiving payment after 2 to 7 days depending on the circumstances of the card company after the customer purchases the product or receives the service. The purpose is to pay W and H / W in combination immediately.

Merchants do not receive payments on the day even though they pay 2 ~ 5% of the card company's sales fee. Merchants with a high frequency of use are not managed by card companies and have many difficulties and complaints. This current credit card company payment method is implied in the form as shown in FIG.

As described above, in the conventional commerce method, it is commonly used as a post payment to a merchant account after a certain period of time after approval of a credit card company.

To solve this method, there is a domestic patent application 10-1999-0060068, credit card immediate payment system. This invention is identical to the business model of the present invention, but there are many differences in its solutions. In order to implement the above invention, merchants do not use the existing card inquiry and approval terminals, and there is a burden of installing and learning the terminal of the company providing the service and new software, which is the share of the merchants who need to install and maintain the terminal. Return to In addition, the card payment account rights of the merchant to be transferred to the service provider, so if the service provider is hacked, the merchant is sitting in a number of unexpected problems.

The present invention is a credit card factoring service method and credit card factoring method that allows merchants to use the system to which the method of the present invention is applied out of the existing postpaid payment method and receive payment immediately after approval. It relates to a service system.

1 is a system configuration diagram of the present invention

2 is a flow chart of the existing credit card payment method

3 is a flow chart of a credit card factoring service method of the present invention.

※ Explanation of code about main part of drawing ※

1: Credit card company server

2: VAN server

3: mediation server of the brokerage company of the present invention

4-1, ..., 4-N: Merchant 1, ..., Merchant N terminal

5: credit card company

6: customer

7: Merchant

8: credit card factoring service operating company of the present invention

1 is a system configuration diagram of the present invention showing a credit card factoring service method and a system using the method. The credit card company server in a mediation server (3) of an intermediary company of the present invention is a dedicated line or an Internet communication line. (1) or to a server (2) of an existing VAN network and the credit card company server (1) connects each affiliated terminal (4-1, ... 4-N) via an internet communication network and a telephone network. And through the brokerage server 3 of the present invention, it is characterized in that the operation to connect to the account of the merchant 7 immediately through the P / C banking or phone banking of each bank. Here, the affiliated store 7 of the brokerage company 8 of the present invention is an existing credit card company affiliated store or a new affiliated store, a hospital, a hotel, a coffee shop, a beauty salon, a restaurant, a clothing store, etc. There are no restrictions when joining this method, such as the Internet shopping mall. In the brokerage company 8 of the present invention, there is no need to install separate terminals and programs in each affiliate store 7, and there is no separate hardware construction cost using the terminal currently used at the affiliate store.

2 is a flowchart of a conventional credit card payment method. The present credit card payment method is described with reference to FIG. When the customer 6 purchases an item at the affiliated store 7, the affiliated store 7 requests a credit inquiry through the credit inquiry terminal 4-1, ..., 4-N with the customer's credit card. The credit card company 5 checks the credit inquiry, that is, the expiration date of the card and the amount used, and provides the authorization information to the affiliated store 7 with the corresponding request information. -N) shows the approval number. The merchant (7) records this authorization number in the sales slip, pays the transaction fee to the credit card company (5) according to the prior agreement with the credit card company (5), and 2-7 days after the use approval for the sales. Receive payment in advance. Here, the merchant (7) often suffered a fund shortage because it paid a fee to the credit card company (5) for the transaction but did not receive the payment amount at the time of the transaction.

3 is a flow chart of the credit card factoring service method of the present invention, the present invention designed to solve the problem that the payment is not immediately provided to the merchant 7 as described in FIG. The detailed description is as follows.

The credit card company 5 issues a card to an unspecified number of customers 6 (step s31). The credit card subscriber customer 6 then pays the annual fee to the credit card company 5 (step s32). The customer 6 purchases the goods at the affiliated store 7 with this credit card (step s33). The merchant 7 then makes an authorization request to the credit card company 5 host 2 via the VAN company host 2a (step s34) and the credit card company 5 has the credit rating of the customer 6, i.e. the card expiration date, The authorization number is provided to the affiliated store 7 with information such as the used amount. The authorization number issued from the credit card company 5 is transmitted to the affiliated store 7 through the VAN company server 2. (Step s35) At the same time, the credit card company 5 transfers the transaction information to the credit card factoring method of the present invention. Factoring) provides the corresponding transaction information to the intermediary server of the intermediary company 8 providing the service (step s36). Based on this transaction information, the brokerage firm (8) applies the discount rate set in accordance with the pre-contract with the merchant (7) and uses the discount rate that is reduced from the main account of the brokerage firm (8) to the account of the merchant (7). The transaction is transferred to the transaction bank of the affiliated store 7 through the transaction bank of (8) (step s37). This process borrows the normal form of interbank fund transfer to be an interbank transfer (step s37-1). After 2-7 days, the merchant (7) submits the sales slip to the credit card company (5) according to the contract with the credit card company (5) and pays the credit card fee for the transaction to the credit card company (5). (Step s38). The credit card company 5 deposits the sales amount corresponding to the sales slip into the main account of the brokerage company 8 (step s39). And the customer 6 pays the amount according to the transaction on the settlement date of the card. This process borrows the normal form of interbank transfer to allow interbank transfer (step s39-1). After this step, if the customer who purchased the goods provides the goods price through the bank on the payment date of his credit card (step s40), the credit card company receives the corresponding amount (step s40-1).

This completes the system configuration and service flow for using this method.

In the method operation of the present invention, if all the methods are in a normal operation, for example, if you look in detail, the customer (6) purchases 100,000 won worth of goods and the merchant (7) (7) pay with a credit card at the merchant (7) is Authorization is given from the credit card company 5 host 2 through the VAN company host 2a, and the authorization number is transmitted to the affiliated store 7 through the VAN company host 2a. At the same time, the credit card company (5) provides the transaction information to the intermediary server of the brokerage company (8). Based on this transaction information, the brokerage company 8 transfers the amount from the main account of the brokerage company 8 to the account of the merchant 7 based on the pre-contract with the merchant 7 through the bank. Let's do it. If the merchant 7 provides the sales slip to the credit card company 5 in accordance with the contract with the credit card company 5, the credit card company pays the credit card fee for the transaction to the credit card company 5, and the credit card company 5 ) Deposits the sales amount corresponding to the sales slip into the main account of the brokerage company (8). The customer 6 then pays the transaction amount on the payment date of the card.

The effects of the present invention operated as described above are summarized from the standpoint of each of the merchant 7, the credit card company 5, and the brokerage company 8 operating the service of the present invention. First of all, the merchant (7), which is the largest beneficiary of the present invention, can first use the factoring service of the present invention without a separate subscription fee, equipment purchase fee, and maintenance fee, and secondly, secure the funds by cashing it before the accounts receivable. Prevents and improves the turnover of funds to increase sales volume, thus facilitating fund management. Third, it is possible to reduce the receivables management costs. In other words, by transferring the receivables to the management company of the present invention, it is possible to drastically reduce expenses related to management and recovery.

In addition, the advantage of the credit card company (5) simply provides the transaction information to the operating company of the present invention, so that the information service fee can be received at a certain rate every time the transaction is increased.

And finally, from the manager's point of view, a certain fee can be received from the merchant 7 for each transaction in accordance with the pre-contract with the merchant 7 so that the manager of the present invention will have a revenue model.

Claims (2)

The present invention provides a method for the unspecified number of customers (6) to act for sales of the merchant (7) at the time of commerce at the credit card merchant (7), When the credit card is used in the affiliated store (7) of the brokerage company (8) operating the system according to the present invention, the amount used by the affiliated store (7) is the card company (eg BC card, Kookmin card, foreign exchange card, Samsung card, LG Card, AMX card, etc.) first step; At the same time, the second step of purchasing the trade receivables of the affiliated store (7) while receiving the transaction information of the customer (6) to the intermediary server of the intermediary company (8) operating the method in the credit card company; A third step of depositing the discounted amount of the trade receivables from the main account of the brokerage company 8 to the account of the merchant 7 based on the trade receivables; When the affiliated store (7) using the method of the present invention submits the transaction information (ie, sales slip) to the card company, the broker company (8) operating the present invention at the credit card company (5) as much as the transaction sales amount. A fourth step of depositing into the primary account of the company; Credit card factoring service method using the Internet and VAN consisting of. The method of claim 1, When the credit card is used in the affiliated store (7) of the brokerage company (8) operating the system according to the present invention, the amount used by the affiliated store (7) is the card company (eg BC card, Kookmin card, foreign exchange card, Samsung card, LG Card, AMX card, etc.) first step; At the same time, the second step of purchasing the trade receivables of the affiliated store (7) while receiving the transaction information of the customer (6) to the intermediary server of the intermediary company (8) operating the method in the credit card company; A third step of depositing the discounted amount of the trade receivables from the main account of the brokerage company 8 to the account of the merchant 7 based on the trade receivables; When the affiliated store (7) using the method of the present invention submits the transaction information (ie, sales slip) to the card company, the broker company (8) operating the present invention at the credit card company (5) as much as the transaction sales amount. A fourth step of depositing into the primary account of the company; Credit card factoring service system using the Internet and VAN consisting of.