KR20030012085A - Realtime Credit Card Settlement System and Method thereof - Google Patents

Abstract

PURPOSE: A system and a method for the real time credit card payment are provided to promptly pay the payment price to a settlement account of a seller and to automatically remit the user's credit card payment price received from a credit card company to the account of a payment service provider from the account of a cooperating shop. CONSTITUTION: A real time payment card terminal requests the payment to a payment service provider system as the seller connects to the system. A credit card approval processor(110) gives a payment code by confirming that the information inputted from the payment terminal is the instant payment and processes a use approval request and the approval by transmitting the credit card information to a credit card company. A payment processor(120) instantly pays the card use price to the seller by using a result of the approval processor(110) and stores the payment price and the payment code in a payment database(124). A money collection manager(130) transfers the received card payment price to the account of the payment service provider from the account of a cooperating shop and stores the data of the payment price and the cooperating shop in a money collection database(134).

Description

Real time credit card settlement system and method

The present invention relates to a credit card payment system and a payment method thereof, and in particular, in a sale using a credit card at a credit card merchant, a credit card real time payment system for allowing a payment amount through a credit card to be settled in real time to a payment account and Payment method.

In the conventional credit card payment system, when a credit card member (buyer) presents a credit card to a credit card merchant for purchase, the credit card merchant requests a credit card use authorization to a value added network (VAN) company through a card inquiry machine. The VAN operator analyzes the credit card information sent from the merchant and requests transaction approval to the card company, and the credit card company verifies its membership status and credit limit, and then approves the transaction to the VAN company. Send it. The VAN operator prints the approval information of the card company to the merchant credit card inquiry, and the merchant completes the credit transaction by receiving the member's signature on the document printed by the credit card inquiry, and counts the slip for the card company among the issued transaction slips. If you submit the documents collected to the bank or card company, the remaining amount of the card fee corresponding to the predetermined percentage of the sales will be paid after 2-7 days and the money will be deposited into the bank account of the merchant.

In such a credit card payment system, a credit card merchant cannot receive a payment in real time even though a relatively high fee is paid.

In addition, the card payment system that pays the same day has a problem that can not operate an effective payment system due to many components, such as obtaining credit card information through the existing VAN service company, and pay through a capital company.

According to the present invention, the seller's credit card information entered by the seller through a real-time payment terminal to the relevant credit card company in the case of the authorization of payment immediately pays the payment amount to the seller's immediate payment account, after which the buyer's card is deposited from the card company The present invention provides a credit card real-time payment system that automatically transfers payments from a merchant bank account to an account of a payment service provider.

Another object of the present invention is to immediately give a payment code to the buyer's credit card information entered through the credit card terminal, in the case of use approval immediately payment to the seller's immediate payment account, and stores the payment information in the database afterwards The present invention provides a credit card real time payment method in which a card payment of a buyer, which is deposited from a company, is directly transferred from a merchant bank account to an account of a payment service provider.

1 is a block diagram showing a business model of a credit card real-time payment system according to the present invention.

2 is a detailed structural diagram of a credit card real-time payment system of FIG.

3 is a flowchart illustrating a credit card real time payment method of FIG. 1.

Explanation of symbols on the main parts of the drawings

10: network 20a: merchant bank account

20b: instant payment account 100: immediate payment service provider system

200: credit card merchant 300: card company

400: Bank

The real-time payment system of the present invention for achieving the above object is a real-time payment card terminal or Internet browser terminal for requesting payment to the system of the payment service provider as soon as the seller is connected to the network; A credit card approval processing unit which checks whether the information input through the payment terminal is an immediate payment, grants a payment code immediately, and processes a request for approval and approval of the credit card information to a corresponding credit card company; A payment processing unit which immediately pays the card use amount to the seller using the result of the approval processing unit, and stores the payment amount and the payment code in a payment database; A payment management unit for transferring the card payment of the buyer, which is subsequently deposited using the result of the payment processing unit, from the merchant bank account to the account of the payment service provider immediately, and storing the payment amount and data of the merchant in a collection database; .

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

1 is a block diagram showing a business model of a credit card real-time payment system according to the present invention.

In FIG. 1, the seller of the credit card affiliate 200 requests an immediate payment to the system 100 of a payment service provider using a real-time payment terminal. The real-time payment terminal is a card terminal equipped with a means for requesting an immediate payment (for example, an instant payment button) connected to the system 100 of a payment service provider immediately through a PSTN or a wireless communication network, and an immediate payment service provider through the Internet. Immediately connected to the system 100 includes a web browser terminal for an e-commerce company with a payment web browser installed.

The system 100 of the immediate payment service provider makes a request for approval to use the credit card information of the buyer to the credit card company 300, and upon approval of the transaction, the system 100 of the immediate payment service provider notifies the transaction approval. It is sent to the real-time payment terminal of the credit card merchant 200 and immediately pays the payment amount to the seller's immediate payment account (20b), the system of the immediate payment service provider 100 through the bank 400, then the merchant bank account The amount settled at 20a is immediately transferred to the account of the payment service provider.

2 is a detailed structural diagram of a credit card real-time payment system.

As shown in FIG. 2, the system 100 of an instant payment service provider 200 provides a credit card merchant 200 connected to a PSTN and a real time payment card terminal (not shown) or a credit card merchant 200 serving electronic commerce on the Internet. Receives a usage approval request from an Internet browser terminal of the terminal), and if the usage approval request is payment immediately, assigns an ordered payment code to the credit card information input through the terminal, and transmits the payment code to a payment database. Authorization consisting of a payment code giver 112 to store at 124, the credit card information request to the credit card company to approve the use, and confirms the transaction approval of the credit card company 114 Processing unit 110; Using the result of the approval processing unit 110, the payment amount of the payment (122), the payment payment machine for instantly paying the seller's sales amount from the account of the payment service provider to the seller's immediate payment account (Internet banking, telebanking), A payment processing unit 120 including a payment database 124 storing a payment amount, a payment account, and the payment code settled at 122; The collection processor 132, the collection processor 132 of the collection processor 132, which transfers and manages a payment amount of a buyer, which is subsequently transferred from the card company to the merchant bank account, using the payment database 124 to the account of the payment service provider immediately. It includes a collection management unit 130 composed of a collection database 134 for storing the results and data of the merchant.

Referring to FIG. 3, the credit card real-time payment system according to the present invention will be described in more detail. As shown in FIG. 3, when a purchaser purchases an item using a credit card, the seller can immediately make an existing general payment. In operation S1, a request for approval of use of the credit card of the purchaser is performed through the real-time payment terminal of the credit card affiliate store 200.

The use approval request of the step S1 is input to the payment code giver 112 of the payment service provider system 100 immediately and the step of determining whether the use approval request is immediate payment and normal payment (S2). If the payment is made immediately in the step S2, an ordered payment code value is assigned to the credit card information, and the payment code value is stored in the payment database 124 (S3).

After performing the step S3, the credit information checker 114 performs a step (S4) of requesting the use of the credit card from the credit card company and confirming the transaction approval (S5), and the step S2. In the case of normal payment in step S4 is performed.

In the step S5, if the credit card transaction approval from the credit card company is rejected, the credit information checker 114 performs a step (S6) of transmitting a credit card unavailable and terminates the system.

In the step S5, if the credit card transaction approval is approved, the payment payment machine 122 performs the step S7 of immediately determining whether there is a payment code, and if there is no immediate payment code, the credit card merchant 200 Performing a step (S8) of notifying the use approval to the real-time payment terminal of the system and terminating the system, and if there is an immediate payment code in step S7, a predetermined fee from the account of the payment service provider to the seller's immediate payment account 20b To perform a payment (internet banking, phone banking, account transfer, etc.) except for the payment amount (S9).

After performing step S9, the step of storing the payment account 20b, the payment amount and the payment code in the payment database 124 immediately (S10).

After performing the step S10, the collection processor 132 is deposited from the card company using a collection service (automatic conversion of bank deposits) from the bank 400 to the payment amount immediately paid to the seller The step of transferring the card payment from the merchant bank account (20a) to the payment service provider's account immediately (S11), and after performing the step S11 performs the merchant bank account, card payment amount, the data of the merchant A step S12 of storing in the collection database 134 is performed.

The credit card real-time payment system according to the present invention as described above enables the payment of the card sales of the credit card merchants immediately, enabling the card sales of the seller and real-time cashing when the card sales occur, the purchase of low-cost goods through the cash purchase of the seller In the case of new business owners, there is an advantage in that the liquidity of the initial business increases.

In the above, the present invention has been shown and described with respect to certain preferred embodiments. However, the present invention is not limited to the above-described embodiments, and those skilled in the art to which the present invention pertains may vary without departing from the spirit of the technical idea of the present invention described in the claims below. It will be possible to carry out the change.

Claims (10)

In the credit card real time payment system, A real time payment card terminal for requesting payment to a payment service provider system as soon as a seller is connected to a network; A credit card approval processing unit which checks whether the information input through the payment terminal is a payment immediately, grants a payment code, and processes the use authorization request and the approval of the credit card information to the credit card company; A payment processing unit which immediately pays the card use amount to the seller using the result of the approval processing unit, and stores the payment amount and the payment code in a payment database; And And a collection management unit for transferring the card payment of the buyer, which is subsequently deposited using the result of the payment processing unit, from the merchant bank account to the account of the payment service provider immediately, and storing the payment amount and data of the merchant in a collection database. Credit card real time payment system. The credit card real time payment system of claim 1, wherein the real time payment terminal further comprises an internet browser terminal. The credit card of claim 1, wherein the approval processing unit comprises: a payment code granter for assigning an ordered payment code to credit card information when the use approval request is real-time payment; And Real-time payment system, characterized in that it comprises a credit information query for requesting the use of the credit card information to the credit card company, and confirming the transaction approval of the credit card company. The payment processor of claim 1, wherein the payment processing unit comprises: a payment payment machine that pays the seller's sales amount immediately from the payment service provider's account to the seller's immediate payment account using the result of the approval processing unit; And Real-time payment system comprising a payment database for storing the payment amount, payment account and the payment code paid by the payment payment machine. According to claim 1, wherein the collection management unit transfers and manages the payment amount immediately paid to the seller using the payment database from the merchant bank account from the merchant bank account to the account of the payment service provider immediately from the merchant bank account Collecting processor; And Real-time payment system comprising a collection database that stores the card payment amount and data of the merchant. In the credit card real-time payment method, A seller making a payment request to a payment service provider's system through a real-time payment terminal connected with a network; Confirming whether the information input through the payment terminal is a payment immediately, granting a payment code, and processing the use authorization request and approval of the credit card information to the credit card company; Immediately paying the card use amount to a seller, and storing the payment amount and the payment code in a payment database; And The credit card real-time payment method comprising the step of depositing the card payment of the buyer after payment from the merchant bank account to the account of the payment service provider immediately, and storing the payment and the merchant data in a collection database. The method of claim 6, wherein the processing of the approval comprises: determining a payment and a general payment from a usage approval request immediately; Requesting approval of the credit card from the credit card company, and confirming the transaction approval; If the credit card transaction authorization from the card company is rejected, the credit card real-time payment method comprising the step of transmitting a non-use of the credit card. The method of claim 7, wherein the determining of the immediate payment and the normal payment comprises applying an ordered payment code value to the credit card information and storing the payment code value in a payment database. Credit card real-time payment method characterized in that. The method of claim 6, wherein the storing of the payment amount and the payment code comprises: paying a seller's sales amount from an account of a payment service provider to an seller's immediate payment account; And Credit card real-time payment method comprising the step of storing the payment amount, payment account and the payment code in a payment database. The method of claim 6, wherein the storing of the payment amount and the merchant data comprises transferring the payment amount immediately paid to the seller and the card payment amount deposited from the card company to the account of the payment service provider immediately from the merchant bank account. And managing; And Credit card real-time payment method comprising the step of storing the merchant bank account, card payment amount and merchant data in the collection database.