KR20020059478A - Method of shortly settlement using internet network - Google Patents

Abstract

PURPOSE: A method for supplying a short-period loan service for an Internet shopping mall PG(Payment Gateway) member store is provided to perform a credit loan by taking credit card transaction results of an Internet shopping mall PG member company as credit security based on a credit grade of the member company. CONSTITUTION: If a PG member company requests a loan to a service providing company(S301), the service providing company inquires member company credit information and judges as to a service possibility(S303). If normal information is received from a member company credit information DB or a PG operating company, an examination result is informed to a cooperated financial institution as a lending request(S306), and corresponding information is stored in a database. The cooperated financial institution performs the second evaluation based on the examination result(S307). If the second evaluation result is normal, a loan is performed and the information is stored in the database. The cooperated financial institution supplies a commission to the service providing company(S308). When a paying date of a card company is reached, an approval amount of money is received in an account of a PG operating company. The PG operating company pays a principal and interest to the cooperated financial institution and calculates a commission with the PG member company.

Description

METHOOD OF SHORTLY SETTLEMENT USING INTERNET NETWORK}

The present invention relates to a credit loan system for an internet shopping mall PG affiliate and a method thereof, and to credit a credit card transaction performance of an internet shopping mall PG affiliate based on an affiliate credit rating.

The technical field of the present invention is the field of financial services through the Internet shopping mall payment gateway (PG). With the rapid growth of the on-line & off-line market, PG affiliates' credit card usage is increasing, but PG affiliates post-pay payments made by PG affiliates to customers through PG operators. The company is facing cash liquidity problems, and the characteristics of PG affiliates are small and medium-sized companies, and they are experiencing difficulties in management because they have not properly received interest and paper discounts due to delays in payments from customers who purchased goods. This is based on the “2000 SME Delivery Transaction Survey Result” conducted by the Small and Medium Business Administration for 203 companies nationwide, and it was delayed even after the legal settlement period (60 days) of the payment was received. 82% were surveyed.

The present invention has been developed to solve the management problems of small and medium companies and to support the early settlement of sound financial services through electronic commerce.

As a method for solving such a similar problem, Korean Patent Laid-Open Publication No. 2000-0065941 "Credit Card Merchant Short-Term Loan Service Provision Method" in the case of a credit card user commerce through the merchant, based on the card transaction results of the merchant in the short-term A system for loaning and repaying a deposit amount of a card company that is settled by a merchant has been filed and disclosed.

The above-described method of providing a short-term loan service of the preceding patent has a characteristic of household loans targeting an individual who is an affiliated owner, and its characteristics are different from those of a company loan for a company pursued by the present invention. In particular, the case of corporate loans in conjunction with an electronic payment (PG) system for authenticating and approving credit card transactions of Internet shopping mall companies has not been invented at present.

The present invention has been made to solve the absence of financial services for the Internet shopping mall PG affiliates as described above, PG affiliates perform corporate financial management in accordance with the financing plan of the affiliates and cash flows, such as working capital How to choose credit and postpay services to secure early access, how to choose a service type according to the characteristics of the affiliate, and how to prevent financial accidents caused by customer's withdrawal of approval. The purpose of this study is to provide a credit rating method for evaluating a member's credit rating and adjusting a loan limit according to the member's usage status.

1 is a block diagram showing a system for realizing a service type 1 of a method for providing a short-term loan service for an internet shopping mall PG affiliate company according to an embodiment of the present invention;

2 is a block diagram showing a system for realizing a service type 2 in a method for providing a short-term loan service for an internet shopping mall PG according to an embodiment of the present invention;

3A and 3B are an operation flowchart illustrating a service type 1 in a process of providing a short-term loan service for an internet shopping mall PG affiliate according to an embodiment of the present invention;

4A and 4B are flowcharts illustrating an operation type 2 of a short-term loan service providing process of an internet shopping mall PG affiliated company according to an embodiment of the present invention;

5 is a block diagram illustrating a communication network service for realizing a method for providing a short-term loan service for an Internet shopping mall PG affiliate company according to an embodiment of the present invention;

6 is a block diagram showing a credit rating system according to an embodiment of the present invention;

7 is a block diagram showing a service type 1 of the Internet shopping mall PG system according to the prior art;

8 is a block diagram showing a service type 2 of the Internet shopping mall PG system according to the prior art.

Explanation of symbols on the main parts of the present invention

11: customer

12: Internet shopping mall PG affiliate company (user access system)

13: PG Operator (User Access System)

14: VAN company

15: Credit card company

16: Shipping company

17: Service provider (credit evaluation system, financial settlement system)

18: Partner financial institution (financial settlement system)

As described above, the method and system for providing a short-term loan service for an internet shopping mall PG affiliate company according to the present invention for achieving the object are connected to an affiliate company, a PG operator, a delivery company, a customer, an affiliated financial institution through a communication network. Receive loan request to provide PG affiliates with short-term loan service, perform loans, re-adjust each member's credit rating according to loan repayment, and adjust loan limit and fee rate based on the adjusted credit rating A credit rating system; A user access system for accessing the credit rating system and performing loan application; And a financial settlement system in which loans are made to affiliated companies according to the evaluation result of the credit rating system, deposits fees from affiliated financial institutions to service providers, and are repaid from the affiliated companies as affiliated financial institutions. It features.

The present invention also provides a first step in which the affiliated company joins the user access system as a member.

A second step of specifying a service type of the credit rating system according to the affiliated company's PG operation type (service type 1; purchase request after authentication / approval and delivery completion; service type 2; purchase request after authentication / approval);

A third step through which the affiliated company applies for a loan to the service provider's credit rating system through the user access system;

A fourth step in which the credit rating system of the service provider determines a service availability (loan status, credit rating) by requesting a new member information or querying an existing DB from a PG operator;

A fifth step of requesting the PG operator for transaction details (approval number, approval date, approval price) from the PG operator when the service provider is confirmed that the service is available;

A sixth step in which the service provider confirms the transaction details from the PG operator and notifies the partner financial institution of loan information (member information and loan limit) based on the result of the evaluation of the credit rating system;

Step 7 in which the affiliated financial institution loans loans to affiliates based on their credit ratings and deposits handling fees to service providers;

An eighth step including a financial settlement system in which the affiliated financial institution reimburses the payment account of the PG operator when the approval amount corresponding to the approval number is paid from the purchaser;

The service provider's credit rating system includes a ninth step of re-adjusting whether or not the affiliate company repays the loan amount, the loan limit, the commission rate, the interest rate, etc. through the financial settlement system of the affiliated financial institution and the user access system of the affiliate company or PG operator. It is done.

Hereinafter, a preferred embodiment of the Internet shopping mall PG short-term loan service providing method according to the present invention will be described in detail with reference to the accompanying drawings according to the service type.

1 and 2 are diagrams illustrating a system (FIG. 1: service type 1 and FIG. 2: service type 2) for implementing an internet shopping mall PG short-term loan service providing method according to the present invention. FIG. 3 and FIG. FIG. 3 is a flowchart illustrating a method for providing an internet shopping mall PG short-term loan service according to the present invention (FIG. 3: service type 1 and FIG. 4: service type 2).

The system for providing the service includes a customer 11 who purchases an item using a credit card or is provided with a service and a credit of the customer 11 after selling the item or providing a service to the customer 11. Responsible for the card approval agency of the PG operator (13) and the credit card company (15), which are responsible for the electronic payment of the Internet shopping mall PG affiliate (12), the Internet shopping mall PG affiliate (12), whose payment is made through the card. Affiliated with the Internet shopping mall PG in partnership with a VAN company 14, a credit card company 15 that accepts a customer's credit card, a service provider 17 providing a service according to the present invention, and a service provider 17. It includes an affiliated financial institution 18 that provides a short-term credit loan to the company 12.

When describing the method of providing a short-term loan service of the Internet shopping mall PG affiliate company of the present invention having the above system as the service type 1 and service type 2

As the biggest difference between Service Type 1 and Service Type 2, the PG Affiliate 12 checks with the PG Operator 13 for normal certification and approval (3), and then asks the Shipper 16 to deliver the goods ( 4) It has the characteristics of making a purchase request after completing delivery and making a purchase request at the same time as the delivery request. This may be selected according to the characteristics of the Internet shopping mall handling of the PG affiliate 12 as a difference in the work flow.

In general, service type 1 is suitable for franchisees dealing with high-value goods and items that are likely to be deteriorated, which must be checked by the customer. Suitable for affiliates that deal with However, the choice of service type depends on the free will of the affiliates, and the characteristics of the financial products (loan limit, interest rate, fee rate) of the service provider 17 are differentiated.

Type of service1: Participating company for purchase request after certification / approval and delivery

A system configuration diagram of FIG. 1 and an operation flowchart of FIG. 3 will be described below.

First, in the existing system, after the customer 11 purchases the goods from the PG affiliate 12 or receives the service, the payment process using the credit card (1) is the same as before.

That is, the PG affiliate 12 approves the VAN company 14 in charge of the credit card company's card approval agency by using the payment gateway (PG) of the PG operator 13 providing the payment service. Request (2), the VAN company 14 requests the approval (2) to the card company 15 of the credit card used by the customer 11, and the approval (3) from the card company 15 is VAN company (14) ) Is delivered to the corresponding PG affiliate 12 of the PG operator 13.

The PG affiliate 12 confirms normal certification and approval (3) from the PG operator 13, and then requests the delivery company 16 to deliver the goods (4). After the shipper 16 completes the normal delivery (5) to the customer (11), the PG affiliate (12) provides the goods receipt (6) to the PG affiliate (12) through the PG operator (13) After the purchase request (7) and the PG operator (13) receives the payment (8) for the payment for the normal transaction from the credit card company (15), the PG operator (13) and the PG affiliate (12) The settlement (9) and fee settlement (10) are completed at the settlement date.

If the existing system is used, the PG affiliate 12 may receive payment on the settlement date agreed with the PG operator 13, but the settlement period takes 14-30 days, resulting in cash liquidity problems. This system was developed to solve the cash flow problem of PG affiliates (12), the service provider (17) by secured the credit to the PG affiliates (12) to be paid from the PG operator (13). It is characterized by being able to receive a short-term credit loan. Of course, at this time, a 0.25 ~ 0.5% usage fee (handling fee, information usage fee, loan fee) and loan interest rate must be paid to the service provider 17 and the affiliated financial institution 18.

The service type 1 is characterized in that the PG affiliate 12 requests purchase after authentication / approval and delivery completion. When the franchise applies for a loan, the service provider 17 confirms whether the PG affiliate 12 has been approved by the PG operator 13 (3) and asks the shipper 16 for the delivery of the goods (4) and delivery. Transactions that the company 16 delivers to the customer 11, acquires the goods receipt 9 confirmed by the customer from the delivery company 16, and then purchases the request 10 through the PG operator 13 Based on In this case, the service provider 17 must authenticate the PG affiliate 12 as a serviceable member in advance.

If the PG affiliate 12 is an existing member who can use the service, the service provider 17 requests a loan to the service provider 17 (S301), and the service provider 17 is a member company of the service provider 17 credit rating system. The credit information is searched to determine whether the affiliate service is present (lending limit, credit rating, interest rate, commission rate, etc.) (S303), and in the case of a new affiliate, the PG operator 13 deals with the transaction information of the PG affiliate 12; Daily transaction results, the number of approvals, approval price, approval number, etc.) to confirm the request (5) to determine the presence of the service (S302). When the member company credit information DB or the PG operator 13 receives normal information (6), the service provider (17) lends the evaluation result (primary evaluation) (S304) of the credit rating system to the affiliated financial institution 18. The request 7 is notified (S306), and the information is stored in the database. If the requested information is not confirmed, the transaction information is requested again or the service is canceled (S305).

The affiliated financial institution 18 performs the second evaluation based on the examination result of the service provider 17 (S307), and when the normal loan is made, deposit the corresponding loan in the deposit account of the PG affiliate, that is, the short-term loan ( 8) Save the loan in the database. If abnormal termination is terminated loan service (S309). At this time, the affiliated financial institution 18 provides the handling fee to the service provider 17 (8) and performs the monthly settlement (S308).

In order to minimize risks that may occur during financial transactions, the service provider 17 requests confirmation from the shipper 16 that the goods receipt 9 is provided to the PG affiliate 12 and returns the result to the PG operator ( 13) and the service provider (17) in conjunction with the correlation processor of the risk management module of the financial settlement system and credit rating system to take financial measures when risk factors occur, or to reflect them later in the loan examination of the PG affiliate (12).

The PG affiliate 12 may check the information on the use of the service (loan, repayment, balance check) from time to time through the Internet or ARS.

After the loan is normally paid (loaned) to the PG affiliated company 12 through the above process, when the payment date of the card company 15 is reached, the authorized money is deposited from the card company 15 into the payment account of the PG operator 13. (S310), the PG operator 13 deposits (reimburses) 13 the principle money loaned to the PG affiliate 12 through the service provider 17 to the affiliated financial institution 18 of the service provider 17 ( S311), the difference between the PG affiliate 12 and settles the commission (12) (S312). This payment is stored in the database. The affiliated financial institution 18 processes the affiliated agency fee such as the loan fee and the loan rate, and the service provider 17 checks the details of the deposit and then finishes the settlement process (S313). Payment information and settlement information to the service provider 17 is stored in a database.

Service Type 2: Participating Company to Purchase after Certification / Approval

Compared to the service type 1 with reference to the system diagram of FIG. 2 and the operation flowchart of FIG. 4, after the customer 11 purchases the goods from the PG affiliate 12 or receives the service, the credit card is used (1 The payment process and the main business flow are the same. Therefore, only the difference is described as follows.

Service type 2 is characterized in that the purchase request after the PG affiliate 12 (certification / approval). When the affiliate applies for a loan, the service provider 17 requests the delivery of the goods to the shipper 16 after the PG affiliate 12 confirms the approval from the PG operator 13 (3). It provides a service based on the transaction history to the purchase request (4) to the operator (13). In this case, the service provider 17 verifies the normal transaction (completion of customer delivery) of the PG affiliate 12 through the delivery confirmation 10 to the customer.

The service provider 17 requests the delivery confirmation 10 of the goods provided by the PG affiliate 12 from the customer 11 in order to minimize the risk that may occur during the financial transaction, and the result is provided by the PG operator ( 13) and service provider (17) PG operator (13) is a member company when risk factors occur in connection with customer relationship processor among risk management modules of financial settlement system and credit rating system (delivery delay, loss of goods, request for return, etc.). (12) Take financial measures when paying the balance and paying the fee (11), or later reflect it in the loan review by the PG affiliate (12).

In the present invention, the credit rating system of the Internet shopping mall PG affiliate, "credit" is the credit card transaction history of the PG affiliate and the state of the member with the willingness and ability to repay the loan, credit evaluation system Repeated by the rules set out in the following paragraph, the credit rating is raised to raise the loan limit, and the interest rate and commission rate are short-term credit loan products. By operating such a credit rating system, it is possible to effectively develop various financial products and operate credit financial products targeting excellent affiliates, and prevent damages to financial accidents.

Securing excellent affiliates for the credit rating system actually means joining the credit rating system, which can be determined that credit has been secured as an affiliate 12 of the PG operator 13, It is a complex member that is not clear to credit verification. There are many risk factors in performing credit loan service based on these members, so it is divided into general members and excellent members according to the member management module of the credit rating system, which is the main system of the present invention, and is classified into five levels according to the credit management module. (A, B, C, D, E) and classified into financial and non-financial items according to the credit score management module. In particular, the credit rating system selects non-financial items (business, transaction reliability, management capability) as the target of evaluation and conducts credit evaluation.

An initial general member is a PG affiliated company that has maintained a trading relationship with the PG operator (more than 3 months) for a certain period of time, and has obtained a score of 60 or more (100 points) according to the evaluation items of the credit rating system.

General Level 1: Credit Score of 80 or above, transaction relationship less than 24 months

General Level 2: Credit score of 70 or above, transaction relationship less than 12 months

General Level 3: Credit score of 60 or above, transaction relationship less than 6 months

For affiliates with normal loans and repayments, the credit rating and loan limit are raised and the interest rate is lowered. For example, the table for member credit rating adjustment is described in Table 1.

All members are classified by the member management module, credit management module and credit score management module of the credit rating system. If they form a real transaction relationship, the commission rate and interest rate are adjusted according to the member credit rating adjustment table in the example. It expands the risk management function of affiliates by the correlation processor of the risk management module through the interworking of the financial settlement system and the credit rating system. Affiliates shall preferentially pay the next loan if the loan is repaid during the loan period. If the loan is not repaid during the loan period, the affiliate shall be listed as an ineligible member of the loan, shall be subject to arrears interest, and be disadvantaged in subsequent credit transactions. . If the transaction performance of each grade is verified more than three times, the company provides premium grade (financial loan limit) credit services through the stage 1 loan limit adjustment, stage 2 commission rate adjustment, stage 3 interest rate adjustment.

Claims (8)

The service provider connects with PG affiliates, PG operators, VAN companies and affiliated financial institutions through the telecommunication network, and credits transaction details of PG affiliates on the Internet shopping mall with credit collateral (traditional bonds). In the method of providing A first step in which the affiliated company joins the user access system as a member; A second step of specifying a service type of the credit rating system according to the affiliated company's PG operation type (service type 1; purchase request after authentication / approval and delivery completion; service type 2; purchase request after authentication / approval); A third step through which the affiliated company applies for a loan to the service provider's credit rating system through the user access system; A fourth step in which the credit rating system of the service provider determines a service availability (loan status, credit rating) by requesting a new member information or querying an existing DB from a PG operator; A fifth step of requesting the PG operator for transaction details (approval number, approval date, approval price) from the PG operator when the service provider is confirmed that the service is available; A sixth step in which the service provider confirms the transaction details from the PG operator and notifies the partner financial institution of loan information (member information and loan limit) based on the result of the evaluation of the credit rating system; Step 7 in which the affiliated financial institution loans loans to affiliates based on the credit ratings and deposits handling fees to service providers; An eighth step including a financial settlement system in which the affiliated financial institution reimburses the payment account of the PG operator when the approval amount corresponding to the approval number is paid from the purchaser; The service provider's credit rating system includes a ninth step of re-adjusting whether or not the affiliate company repays the loan amount, the loan limit, the commission rate, the interest rate, etc. through the financial settlement system of the affiliated financial institution and the user access system of the affiliate company or PG operator. How to provide a short-term loan service to PG affiliates of the Internet shopping mall. The method of claim 1, The service provider provides the authorization number and the loan request, the merchant name and / or the merchant identification number, whether to confirm the approval facts, the authorization amount (or loan amount), whether the loan, repayment from the card company, payment of fees, and settlement Internet shopping mall PG credit card short-term loan service providing method characterized in that to store and manage the information including the link to the database. The method of claim 1, A method of providing a database implementation technology for evaluating loan limits and credit ratings by performing credit security on the transaction history of PG affiliates in the implementation of the credit rating system of the service provider. The method of claim 1, Method of providing an integrated interface (Communication-Gateway; PSTN, PSDN, Internet, ARS) with affiliates, PG operators, VANs, affiliated financial institutions, shippers, customers in the implementation of the user access system of the service provider. The method of claim 1, A method for providing a settlement system implementation technology using an encryption algorithm in the financial settlement system implementation of the service provider. The method of claim 1, A method of providing a risk countermeasure technology related to early detection and action of risk factors for a risk management module correlation processor through linkage between the financial settlement system and the credit rating system of the service provider. The method of claim 1, Method of providing a credit rating system implementation technology for the Internet shopping mall PG affiliates through the member management module, credit management module, credit rating management module, etc. in the implementation of the credit rating system of the service provider. The method of claim 1, A method of providing a back-end processor and a front-end processor implementation technology for dealing with a financial accident through a direct interface with a shipper and a customer in implementing the credit rating system of the service provider.