KR20020069654A - System for immediately adjusting sales details of credit card - Google Patents

Abstract

PURPOSE: A method for settling the sales detail of a credit card is provided to shorten the payment period of a settlement service for the credit card charge through a service contract between the second financial organization and a member shop. CONSTITUTION: A system operator(20) respectively communicates with a card company(10) and the second financial organization(30). A member shop(40) connects with the system operator through the PSTN(Public Switching Telephone Network). The system carries out a case settlement business processing the settlement early on the on-line, an on-line DDC reservation transaction cancellation business, a daily settlement sum business transmitting/receiving a daily closing transaction sum file by each member shop, a member shop management business carrying out the creation, the adjustment and the deletion of the early settlement member shop, and a reception returning business for returning the reception of the DDC transaction target.

Description

System for immediately adjusting sales details of credit card}

The present invention relates to a credit card sales history settlement system for a second financial institution, and in particular, unlike the conventional settlement method in which payment is made from three days after the transaction is made at the merchant, the settlement is performed approximately 30 minutes after the transaction. It is related to a system in which a transaction is made and a merchant pays a sales price.

Currently, since the second financial institution does not have its own credit creation function and external payment system, in order to perform these services, the second financial institution connects the system dependently to the bank, the first financial institution, and the customer of the second financial institution and the second financial institution. It is responsible for transferring funds, remitting and inquiring. However, in order to perform such a task, a second financial institution customer should visit the first financial institution directly or perform a limited financial business in cooperation with a specific first financial institution.

Here, the second financial institution refers to securities companies, insurance companies, credit card companies, credit cooperatives, Saemaul Undong, mutual credit safe deposits, trust companies, various capitals, technical finances, etc., except for the first financial institution, banks. This includes all customers who directly deal with secondary financial institutions, including the general public, corporations, government offices, and voluntary organizations.

If a second financial institution customer can make a financial transaction similar to the first financial institution, it can save time and effort of the customer, and also enhance competitiveness for the second financial institution that competes with the first financial institution. Under the premise, the applicant has developed a system according to the invention.

An object of the present invention is to provide a credit card sales history early settlement system that reduces the settlement period of the existing credit card payment service through a service contract between the second financial institution and the merchant.

Is a schematic diagram of a system in accordance with the present invention;

FIG. 1B is a structural diagram of the full text exchanged on-line in FIG. 1A; FIG.

2A is a flowchart of a dry settlement business.

FIG. 2B is a schematic diagram of the subject matter of the process of FIG. 2A; FIG.

Figure 3a is a flow chart of the settlement settlement cancellation task.

FIG. 3B is a schematic diagram of the subject matter of the process of FIG. 3A; FIG.

4A is a flow chart of a release operation.

FIG. 4B is a schematic diagram of the subject matter of the process of FIG. 4A; FIG.

5A is a flowchart of a schedule calculation task.

Figure 5b is a block diagram of a constant aggregate file full text.

Figure 6a is a flow chart of the merchant transaction history.

Figure 6b is a block diagram of a merchant transaction history file full text.

7A is a flowchart of the merchant management task.

Figure 7b is a block diagram of a merchant management file full text.

8A is a flowchart of a deposit return service.

8B and 8C are file full configuration diagrams regarding the details of the deposit return details.

<Description of Drawing>

Card company 10, system operator 20, second financial institution 30, card company affiliated shop 40

System overview

The credit card sales history early settlement system according to the present invention refers to a system that can be settled about 30 minutes after a transaction at a credit card merchant and receive payment from a second financial institution.

The basic configuration of the system according to the present invention is as shown in Fig. 1A. The card company 10 and the operator 20 of the present system communicate with each other using the X.25 protocol. The system operator 20 is also in communication with the second financial institution 30 in an X.25 protocol. The affiliate store 40 for the card company 10 is connected to the system operator 20 through a public communication network.

As shown in FIG. 1A, according to the present invention, the system operator 20 is responsible for data processing between the two using the X.25 communication protocol to mediate the conventional card company 10 and the second financial institution 30. do. In FIG. 1A, the second financial institution 30 and the card company 10 should be equipped with communication relay equipment (e.g., modem, cable, X.25 communication card) that can accommodate the X.25 communication protocol.

In FIG. 1A, the business process and data flow between each component will be the configuration and operation of the system according to the present invention, which will be described with reference to the drawings for each business. The work performed by the system operator 20 is as follows.

1. Settlement Services-Online Early Settlement Processing

2. Cancellation of Business Settlement-Online Early Settlement Cancellation

3. Release Release-Online DDC Hold Transaction Release

4. Aggregate Schedule Aggregation-Sending and Receiving Transaction Aggregation Files by Merchants

5. Daily Merchant Transaction History-Send and receive transaction history files by merchant

6. Merchant management work-Early, new settlement, deletion, deletion of merchants

7. Deposit Transfer Service-Details of deposit transfer for DDC transaction target

In addition, types and configurations of data (text or message) exchanged and processed are as follows.

1. Professional online transmission and reception

Specializing in starting work, specializing in job termination, specializing in dry settlement, specializing in canceling jobs, specializing in release

2. Send and receive files professional

Full-scale schedule file, full merchant transaction history file, merchant management file, deposit transfer history

The format of the full text exchanged online by the full text is shown in FIGS. 1B (a) and (b). (a) shows the overall structure of the online message which is largely composed of the common part and the data message.

"Identification code" of each item in the common text is used as a distinction code for each transaction generating institution and used in the present invention as "9". "Handling agency code" is the code of the agency requesting the transaction, and the operator code "999" is used here. "Establishing Organization Code" is the code of the institution that responds to the request transaction, that is, the code of the second financial institution, "Date of Transaction" is CCYYMMDD (Century, Year, Month, Day), and "Transaction Time" is hhmmss (hour, minute , Sec), and "specialized serial number" is a professional serial number used by a handling agency. "Specialization" and "business classification" are fields for designating the same kind as the specialized type in (c). "Response code" is the processing result code of the second financial institution. Space is used for request and a specific code is used for response. "Terminal ID" indicates the serial number of the terminal managed by the VAN company, "terminal transaction serial number" indicates the terminal generation serial number managed by the terminal. In addition, "Hangul code division" is a field for selecting whether the Hangul used is KSC standard or combination type.

The process of each task

Referring to the drawings, a description will be given of a processing process and a data format of each of the tasks performed by the system operator 20.

1. Settlement settlement business (Fig. 2a)

When a transaction occurs in the affiliated store 40 to be settled early and the approval request is delivered (①), the operator 20 performs a self-verification for a predetermined time (for example, 30 minutes), and if there is no abnormality, the second financial institution 30 The settlement request is sent to (). At this time, if a corresponding matter occurs depending on whether a duplicate transaction and a telephone approval, which are self-verification items, process a pending process and transmit a processing result. The second financial institution 30 receives the settlement request message, processes it, prepays the selling price to the affiliate store 40 (③), and notifies the operator 20 of the result (④). The operator 20 notifies the affiliated store 40 of the processing result (⑤).

In the above step, if a predetermined time (for example, 5 seconds) passes after the operator 20 transmits the settlement request or the communication with the second financial institution 30 is lost, the operator 20 It keeps its data and sends it again when it comes back to normal.

FIG. 2B shows a full text configuration subject to the process of FIG. 2A. It can be seen that it consists of the fields marked # 17 ~ # 31 in addition to the full text common part of 80Byte. In other words, merchant business number, card company identification code, merchant number (affiliate number given by card company), transaction classification (AC: authorization, RR: cancellation), transaction date (CCYYMMDD), transaction time (hhmmss), original transaction date (cancellation CCYYMMDD), card number, expiration date, service amount (service fee), tax, transaction amount (= sales amount + tax + service fee), installment period, Swipe (S: Swipe, K: Keyin), authorization number, DDC It is composed of items of classification (D: DDC, E: EDC, I: DDC, and affiliated stores that are subject to early settlement).

In the "Department of Trade" AC means approved and RR means canceled. It is calculated as "Transaction Amount" = Sales Amount + Tax + Service Charge. In the "Swipe" field, S means Swipe and K means Keyin. In the "DDC classification", D is a DDC service target, E is an EDC service target (VAN), and I is a DDC and an affiliate that is an early settlement target.

2. Cancellation of Case Settlement (Figure 3a)

If a cancellation transaction occurs in the affiliated store 40 to be settled early and the cancellation request is transmitted (①), the operator 20 performs a self-verification for a predetermined time (for example, 30 minutes). 30) and transmits the cancellation request (2). The second financial institution 30 receives the cancellation request message and processes it, subtracts the cancellation fee from the affiliate store 40 (③) and notifies the operator 20 of the result (④). The operator 20 notifies the affiliated store 40 of the processing result (⑤).

In the above step, if a predetermined time (for example, 5 seconds) passes after the operator 20 transmits the cancellation request or the communication with the second financial institution 30 is lost, the operator 20 Stores its own data and sends it again when it returns to normal.

FIG. 3B shows the full text configuration subject to the process of FIG. 3A. It can be seen that it consists of the fields marked # 17 ~ # 31 in addition to the full text common part of 80Byte. That is, merchant business number, card company identification code, merchant number, transaction classification (AC: authorization, RR: cancellation), transaction date (CCYYMMDD), transaction time (HHMMSS), original transaction date (CCYYMMDD), card number, expiration date, It consists of service amount (service fee), tax, transaction amount (= sales amount + tax + service fee), installment period, Swipe, approval number, and DDC.

RR in the "Trade Delimiter" means cancellation. "Transaction Amount" = Sales Amount + Tax + Service Charge. In the "Swipe" field, S means Swipe and K means Keyin. In the "DDC classification", D is a DDC service target, E is an EDC service target (VAN), and I is a DDC and an affiliate that is an early settlement target.

3. Release work (Fig. 4a)

When the second financial institution 30 receives the pending facts from the operator 20, the second financial institution 30 confirms the justification through the due diligence and transmits the canceled release transaction to the operator 20 (①). The operator 20 responds by performing a release release process (③) immediately upon receiving the request for release (②), and the second financial institution 30 processes the corresponding transaction.

If a situation arises in which communication cannot be performed due to communication loss or other matters, the second financial institution 30 stores the message itself and transmits it again when it is in a normal processing state.

FIG. 4B shows a full text configuration subject to the process of FIG. 4A. It can be seen that it is composed of fields marked # 17 ~ # 31, in addition to the full text common part of 80Byte.

4. Schedule calculation task (Fig. 5a)

If the transaction date is changed on the basis of 24 o'clock, the operator 20 extracts the merchant transaction history of the second financial institution 30, prepares an early settlement summary for each merchant, and transmits it to the corresponding second financial institution 30. The second financial institution closes the daily settlement by comparing the aggregated details of merchants and transaction details of daily merchants. Complaints are started when an abnormality occurs by comparing the schedule calculation (commercial summary by merchant) and transaction history by daily affiliate.

Figure 5b shows a constant calculation aggregate file of the transmission and reception file. Among the specialized items, "hold number" indicates the number of cases withheld on the day, and "number of releases" shows the number of releases withheld by the second financial institution.

5. Transaction details of merchants (Figure 6a)

If the transaction date is changed on the basis of 24 o'clock, the operator 20 extracts all the transaction details of the affiliated store of the second financial institution 30 and transmits it to the corresponding second financial institution 30. The second financial institution 30 closes the daily settlement by comparing the aggregated details of the merchants and transaction details of the daily merchants. Complaints are started when an abnormality occurs by comparing the schedule calculation (commercial summary by merchant) and transaction history by daily affiliate.

Figure 6b shows the full merchant transaction history file full text of the transmission and reception file. Among the specialized items, AC is approved, PA is registered for telephone approval, RR is canceled, RC is refunded, AR is rejected. In "Settlement", 0 is not settled, 1 is settled, 2 is settled. It means the subject of the settlement.

6. Merchant management work (Fig. 7a)

The second financial institution 30 inspects the affiliated store 40 for early settlement (①) and transmits the new / deleted affiliate store details (member information) to the operator 20 (②). The operator 20 receiving the affiliated store information updates the details on the affiliated store transaction details and the early settlement affiliated related file and transmits the classified information by the corresponding second financial institution 30 (③).

Figure 7b shows the field configuration of the franchise management file full text, 1 of the "deal classification" is a new merchant registration, 2 means a suspended merchant, "fee" is expressed as a percentage, "receipt cycle date" is After the purchase request, it refers to the merchant's deposit cycle date, and "start date" indicates one week after the transfer date when the transaction is one, and "stop date" means one week after the transfer date when the transaction is two. The text "refusal" indicates the content of the rejection response when the response code is not 00.

7. Deposit Return Service (Fig. 8a)

The card company 10 transmits the deposit and return history for the second financial right to the operator 20. The operator 20 transmits a message to the second financial institution 30 classified by the second financial institution 30. The second financial institution 30 compares the payment received from the card company 10 with the known payment history and performs the settlement operation.

8b and 8c are file full text of the deposit transfer history, (a) full text, (b) start text, (c) header text, (d) data text, (e) full text, (f) end text It is composed largely.

According to the present invention, by shortening the settlement period of the existing credit card payment service through the service contract between the second financial institution and the affiliated store, the early settlement is performed, thereby increasing the status of the second financial institution and increasing the convenience of the customer.

Claims (12)

The system operator 20 communicates with the card company 10 and the second financial institution 30, respectively, and the affiliated store 40 for the card company 10 is connected to the system operator 20 through a public communication network. The credit card sales history early settlement system, Health settlement business for early settlement online, Early settlement cancellation, Online DDC pending transaction release, Schedule calculation task to send and receive transaction aggregate files by merchant One merchant transaction history work to send and receive transaction history files for each merchant, Merchant management work to perform new settlement, deletion and deletion of early settlement merchants, A credit card sales history early settlement system, characterized in that consisting of a deposit transfer service for the transfer of the DDC transaction target. The method of claim 1, wherein When the transaction occurs in the affiliated shop 40 for early settlement and the approval request is delivered, the operator 20 transmits the settlement request to the corresponding second financial institution 30 through the self-verification for a predetermined time. After receiving the settlement request message, the second financial institution 30 prepays the selling price to the affiliated store 40 and notifies the operator 20 of the corresponding result. The operator 20 is configured to notify the merchant 40 of the processing result, credit card sales history early settlement system. In claim 2, when a predetermined time passes after the operator 20 transmits the settlement request or when communication with the second financial institution 30 is interrupted, the operator 20 maintains data and maintains a normal state. The credit card sales history early settlement system, characterized in that the transmission again when returning to. In claim 1, the cancellation settlement task If the cancellation transaction occurs in the early settlement target merchant 40 and the cancellation request is delivered, the operator 20 transmits a cancellation request to the corresponding second financial institution 30 through the self-verification for a predetermined time, if there is no error, The second financial institution 30 receives the cancellation request message and processes it to deduct the cancellation fee from the affiliated store 40 and notifies the operator 20 of the result; The operator 20 is configured to notify the merchant 40 of the processing result, credit card sales history early settlement system. In claim 4, if a predetermined time passes after the operator 20 transmits the cancellation request or the communication with the second financial institution 30 is lost, the operator 20 maintains the data itself and returns to normal. The credit card sales history early settlement system, characterized in that the transmission again when returning to the state. In claim 1, the release operation When the second financial institution 30 receives the pending facts from the operator 20, after confirming the justification through the due diligence work, transmitting the canceled release transaction to the operator 20, The operator 20 responds by holding the release process upon receipt of the request for release, and the second financial institution 30 comprises depositing the transaction. The method of claim 1, wherein the schedule calculation task If the transaction date is changed on the basis of 24 o'clock, the operator 20 extracts the transaction details of the merchants of the second financial institution 30, prepares an early settlement summary for each affiliate, and transmits it to the corresponding second financial institution 30. , The second financial institution closes the daily settlement work by comparing the aggregated history by merchants and transaction details of daily merchants, Comparing the schedule calculation (commercial summary by merchant) and the transaction history by daily merchant, if any abnormality is configured to start the complaint process, credit card sales history early settlement system. In claim 1, the merchant transaction history task is If the transaction date is changed on the basis of 24 o'clock, the operator 20 extracts all the transaction details of the affiliated stores of the second financial institution 30 and transmits them to the corresponding second financial institution 30; The second financial institution 30 closes the daily settlement work by comparing the aggregate history for each merchant and the transaction details of the daily merchant, Comparing the schedule calculation (commercial summary by merchant) and the transaction history by daily merchant, if any abnormalities are configured to start the complaint process, credit card sales history early settlement system. In claim 1, the merchant management task is Transmitting the new / deleted merchant details (the merchant information) to the operator 20 by the second financial institution 30 due to the due diligence of the affiliated store 40 for early settlement; The operator 20, which receives the merchant information, updates the details of the merchant transaction history and the early settlement related files and transmits the classified information by the corresponding second financial institution 30. system. In claim 1, the deposit return service is Transmitting, by the card company 10, the deposit and return history for the second financial institution to the operator 20, The operator 20 classifies the second financial institution 30 to transmit a message to the corresponding second financial institution 30, The second financial institution 30 is configured to compare the deposit received from the card company (10) with the known deposit history to perform a settlement operation, credit card sales history early settlement system. In any one of claims 1 to 10, the preamble to be processed includes an identification code, handling agency code, establishment institution code, transaction date, transaction time, professional serial number, preamble, task division, response code, transmission division, terminal ID, Credit card sales history early settlement system, characterized in that it comprises a common part consisting of the terminal transaction serial number, branch number, operator number, Hangul code classification. In claim 11, the text to be processed includes the merchant business number, card company identification code, merchant number, transaction classification, transaction date, transaction time, original transaction date, card number, expiration date, service amount, tax, transaction amount, installment period, Swipe Credit card sales history early settlement system, characterized in that it further includes a data, including the authorization number, the item of the DDC classification.