KR20030042933A - A credit card settlement method - Google Patents

Abstract

PURPOSE: A card payment method is provided to process a card payment with only a secret number without a customer's signature on a printed sale slip and to transfer the payment amount to an account of an affiliated store as soon as the card is normally approved. CONSTITUTION: An affiliated store selects a card payment menu at a payment processing terminal(700), and the payment processing terminal requests an access to a server of a service provider(710). The server of the service provider approves the access request from the payment processing terminal(720). The payment processing terminal reads the data on the card of a customer if it is inserted into a slot of the terminal(730), and receives a secret number of the card and the payment amount(740, 750). The terminal transmits the card data, the secret number and the payment amount to the server of the service provider(760), and then the server of the service provider transmits the received data and the data on the affiliated store to a server of a card company for requesting a transaction approval(780). The server of the card company checks the credit of the customer(790), transmits the check result to the server of the service provider(800). If the credit of the customer is normal, the server of the card company instantly transfers the payment amount to the account of the affiliated store(850). The card processing terminal receives the credit check result(810) and displays it(820).

Description

Card payment method {A CREDIT CARD SETTLEMENT METHOD}

The present invention relates to a card payment system, and more particularly to a method for card payment can be made without the output of the sales slip and customer signature.

When a customer makes a credit purchase using a credit card, the merchant requests payment by providing a sales slip issued to the card company (or bank) according to the use of the card. In this case, the card company usually deposits the money sold by the merchant three to seven days after the receipt of the card slip, and the merchant provides the card company with a fee of 2 to 5% of the sale price. The card user pays the purchase price to the card company about 1 month.

Considering this general card payment system, merchants do not receive the goods sales or service fee immediately after submitting the slip even though they pay a high fee of 2-5%. Merchants can be a financial pressure. Therefore, there is an urgent need for the development of a system in which rapid card payments can be paid to merchants.

In addition, considering that the amount of home shopping transactions is increasing, it is expected that the convenience of card users will be facilitated if a system that allows customers to pay at home using their own credit cards is introduced.

Accordingly, an object of the present invention is to provide a payment method for the payment can be made by simply entering the customer's password without issuing a sales slip, and immediately transfer the card payment amount to the merchant account according to the inquiry result.

Still another object of the present invention is to provide a card payment method that allows a customer to pay for a purchase price of a product provided online and offline.

Another object of the present invention is to provide a card payment method that can protect the buyer of the goods when the card payment.

1 is a block diagram surrounding the self-payment system 200 according to an embodiment of the present invention.

2 is a block diagram of a self-payment and a self-charging payment processor 100 according to an embodiment of the present invention.

3 is a detailed configuration diagram of a service provider server 200 according to an embodiment of the present invention.

4 is a card payment flowchart according to an embodiment of the present invention.

5 is a card payment flowchart according to another embodiment of the present invention.

Card payment method according to an embodiment of the present invention for achieving the above object;

Receiving card payment information including payment processor identification information and a card password from any commercial payment processor;

Transmitting the merchant account information corresponding to the received payment processor identification information and the card payment information together to a card company server and requesting a payment amount to be transferred to the account according to a credit inquiry result of the customer;

Receiving payment completion information from the card company server;

And transmitting the received payment completion information to the payment processor to notify the payment completion and the transfer of funds.

According to the above configuration, the merchant can immediately receive the goods sales price or service provision fee to their account, and have the advantage of avoiding the hassle of submitting the sales slip and submitting the sales slip to the financial institution. Will be.

In addition, the present invention provides a card payment method of a card company server that can be connected to a plurality of payment processors having at least a credit card reading function,

Receiving payment processor identification information, customer information including card password, and purchase product information from any household payment processor;

Reading a product selling price corresponding to the purchased product information from a DB;

Checking whether the payment is approved by querying the customer information including the card password and the product sales price;

Transmitting payment approval information to the payment processor;

Transmitting a request for delivery of the approved product to a product seller server;

And upon receipt of payment approved goods or delivery of the delivery information, transfer the payment approved goods sales price to the goods seller account.

That is, the present invention transfers the approved payment to the commodity vendor account upon receipt of payment approved or delivery information as described above, thereby protecting the buyer who made the card payment at a distance. .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, a detailed description thereof will be omitted.

First, FIG. 1 illustrates a diagram of a self-payment system 200 according to an embodiment of the present invention. The self-payment system 200 is connected to a payment processor 100 distributed to each home and affiliated store through a dedicated line. It is possible. In the embodiment of the present invention, it is assumed that the self payment system 200 has the same concept as the service provider server 200.

The service provider server 200, which is a self-payment system, is connected to the courier company server 500 and the product seller server 600 through a network or a dedicated line, and the card company server 300 and the bank server (which are one of the financial settlement systems). 400) is connected via a dedicated line. The reason for being connected with the financial settlement system server is to support the self-charging function of the payment processor 100 or to support the card payment.

Briefly explaining the peripheral configuration operation of the self-payment system 200 shown in Figure 1, the payment processor 100 is used to pay for the payment using the amount of money charged in the electronic money or credit card payment for the product purchase. The configuration of the payment processor 100 is shown in detail in FIG. The service provider server 200 receives the card payment information including the card password from the connected payment processor 100 and pays for the purchase price of the product, and the paid amount is added to the payment processor identification information received together with the card payment information. It makes a request for transfer to the corresponding merchant account. In addition, when the customer requests to recharge the electronic money, the customer information recorded on the credit card or credit card is transferred from the payment processor 100 and the self recharge amount is requested to the financial settlement system. The update information is transmitted to the payment processor 100 so that the update is made. The detailed configuration of such a service provider server 200 is shown in FIG.

On the other hand, the card company server 300 and the bank server 400, if there is a card payment or balance inquiry request from the service provider server 200 after the self-assessment of his approval or not to the service provider server 200 Send it. When the customer requests a self-charging using a cash card, the bank server 400 may transmit the authorization information to the service provider server 200 in preparation for the current customer's balance and the requested recharge amount. In addition, upon approval, the amount of the charge requested by the customer to be transferred to the service provider's account may be transferred. And when the self-request using the credit card, the card company server 300 transmits the authorization status information to the service provider server 200 within the credit settlement range, and transfers the amount of self-requested charge to the service provider's account. At the same time, you can charge the customer an additional fee.

The courier company server 500 receives delivery request information of a product from the service provider server 200 and notifies an administrator. Accordingly, the goods purchased by the buyer move from seller to buyer. The product seller server 600 serves to provide a product code and data for selling the product to the service provider server 200, and receives the product sales history information from the service provider server 200 to output to the manager give.

2 is a block diagram of a self-payment and a self-charging payment processor 100 according to an embodiment of the present invention.

Referring to FIG. 2, the printer 102 is controlled by the controller 110 and performs a role of outputting a bill of payment upon self payment to an IC card which is electronic money. In addition, even if the payment by credit card serves to output the payment number and payment history information under the control of the control unit 110. As an example of such a printer 102, a thermal transfer printer can be used. Magnetic stripe 104 is a personal information card (credit card, cash card, debit) is inserted into the card insertion groove (not shown) provided on the side of the payment processor 100 as shown in FIG. Personal information is read from the card) and output to the controller 110. The IC card information updating unit 106 reads and outputs customer information and current charge amount information from the IC card inserted into the IC card insertion slot, and transmits the charge amount or the service provider server 200 under the control of the controller 110. Written reservation information. An interface unit (I / F) 108 for interfacing signal transmission and reception is located between the printer 102, the card reader 104, and the IC card information update unit 106 and the control unit 110.

Meanwhile, the payment processor 100 may be provided with a wireless communication unit 116 for transmitting data with a base station of a mobile communication operator through a wireless network. The wireless communication unit 116 includes a duplexer and a transmitter / receiver as already known. That is, when communicating with the base station, the wireless communication unit 116 transmits a signal from the transmitting unit to the base station through the antenna ANT and receives the signal transmitted from the base station through the antenna ANT to the receiving unit. In this case, the transmitter converts a modulated signal from the audio unit into a radio signal and outputs the radio signal to the duplexer. The receiver receives a radio signal output from the duplexer and outputs the radio signal to the audio unit.

The controller 110 controls the overall operation of the payment processor 100. For example, when a credit card payment request is received from a user who is a customer, the controller 110 receives the card password and the card payment information and together with the payment processor identification information stored in the memory 112, the service provider server 200. To be sent to. When payment completion information is received from the service provider server 200, the payment information is displayed and stored as payment history information or the system is controlled to print out.

The memory 112 may include a ROM in which program data for controlling the overall operation of the payment processor 100 is stored, a RAM in which data generated when the control operation is performed and various data processed are temporarily stored; In addition, the EEPROM is configured to store payment processor identification information and the like, and is controlled by the controller 110.

The display unit and the key input unit 114 display the display data generated by the control of the controller 110 to the user, and transmit a command input by the user to the controller 110. The key input unit includes a self charging, a self payment button and a plurality of function buttons and numeric buttons for implementing the present invention.

The modem 118 modulates and transmits data to and from the service provider server 200 or the service provider server 200 through a telephone line constituting the public network, and the telephone circuit unit 120 transmits the data. It consists of the circuits needed to make a phone call. The telephone circuit unit 120 and the wireless communication unit 116 can be used for wired / wireless communication, either selectively or both.

Hereinafter, the configuration of the service provider server 200 that supports the credit card payment by accessing the payment processor 100 described above will be described.

3 is a detailed block diagram of a service provider server 200 which is a self payment system according to an exemplary embodiment of the present invention. Referring to Figure 3,

The network connection unit 230 is physically connected to the network dedicated line and transmits and receives data to and from the payment processor 100 having at least a magnetic stripe reading function.

The payment processing unit 215 processes the payment by the desired person according to the customer-specific payment information received through the network connection unit 230, and stores the payment details information accordingly in the payment history database 240 do. In more detail, the payment processing unit 215 transmits the account information and the card payment information of the affiliated store to the card company server 300 when the payment processor identification information and the card payment information are received from the business payment processor 100. According to the credit inquiry result of the payment request to the merchant account, and receives the payment completion information from the card company server 300 and stores it in the payment history DB 240, as well as transmitting to the payment processor 100 Play a role.

The electronic money management unit 220 requests a financial settlement inquiry for a request for charging electronic money for each customer received through the network connection unit 230 and transmits an update command of a desired amount of payment upon approval to the payment processor 100. give. In this case, the electronic money management unit 220 stores in the customer-specific charge amount management database 250 the amount requested by the customer to charge the customer-specific charge amount to the bank or card company.

Meanwhile, the customer management unit 210 manages the product purchase propensity and the cashback point of the customer who requested the self payment. That is, when there is a self payment of the product purchase price, the customer management unit 210 gives a cashback point proportional to the amount paid by the customer and stores and manages it in the customer management database 235. .

The web server 225 provides a request for inquiry of payment details and a product identification code from a customer connected through an internet network, and provides information necessary to receive a service according to an embodiment of the present invention on a web. It serves to provide.

Meanwhile, the service provider server 200 includes a product code database 245 for matching and storing a product identification code and billing information according thereto. By the product code database 245, the customer is provided with the item and price information of the product to be purchased on the web. The service provider server 200 is provided with a payment history database 240 for storing detailed information about payment details. The payment history database 240 stores and manages information classified into items such as customer's self-payment information, product identification code, payment amount, payment date, information on whether the product is received, and the like.

In addition, a customer management database 235 for managing product purchase customer information is also provided in the service provider server 200. The customer management DB 235 includes customer information, a payment amount, a purchase product code, a cash back accumulation point, and a payment processor. As the merchant account information corresponding to the identification information is classified and stored, the service provider server 200 may provide various services by analyzing a product purchasing tendency of a specific customer. In addition, the server 200 includes a customer-specific charge amount management database 250 for managing the charge amount for each customer, and charges the charge amount to the card company and the bank.

Hereinafter, a card payment method according to an embodiment of the present invention will be described with reference to FIGS. 4 and 5.

4 is a flowchart illustrating a card payment according to an embodiment of the present invention, and more particularly, illustrates a card payment flowchart when using the business payment processor 100.

Referring to FIG. 4, if there is a card payment selection (step 700), the business payment processor 100 first performs a server access request (step 710) to the service provider server 200, and in response, approves the server connection (step 720). When the information is received, the device enters the standby state for reading the information recorded on the credit card. If a credit card is inserted by the administrator in such a standby state, the card record information is read (step 730), and a password input is requested. If there is a password input of the card through the key input unit 114, it is received (step 740), and then the manager inputs a payment amount in response to requesting input of the payment amount.

Therefore, the payment processor 100 is to obtain the card password, payment amount and card record information. In the present invention, the above three pieces of information will be defined as card payment information including a card password. When the acquisition of the card payment information including the card password is completed as described above, the payment processor 100 transmits it to the service provider server 200 (step 760). In this case, the payment processor 100 identification information is also transmitted.

When the service provider server 200 receives the card payment information including the payment processor identification information and the card password from the business payment processor 100 (step 770), manages the merchant account information corresponding to the received payment processor identification information. After reading from the DB 235, the card is transferred to the card company server 300 together with the card payment information (step 780), and the payment amount is transferred to the account according to the credit inquiry result of the customer. The card company server 300 inquires the credit rating of the customer based on the received card payment information (step 790), and transmits payment completion information according to the inquiry result to the service provider server 200 (step 800). If payment approval is possible, the card company server 300 transfers the payment amount to the transmitted merchant account (step 850), but if payment approval is impossible, the payment is not transmitted as payment completion information.

As described above, when payment completion information is received from the card company server 300, the service provider server 200 transmits the payment completion information to the business payment processor 100 (step 810) to complete the payment and transfer the account. Inform whether or not. Therefore, the payment processor 100 displays whether the payment is completed (step 820), and the payment completion information received according to the operation of the administrator is stored or printed out as payment history information in the memory 112. These printed matters can be said to act as a general sales slip, which is selectively printed out, but is different from the sales slip that is printed out in a conventional card payment and requires a customer's signature.

As described above, the present invention is to simply go through the identity verification process by presenting the credit card password to the merchant, because the card company immediately transfers the payment amount to the merchant account if the received password and the card record information match For example, merchants will be able to recover their funds quickly. In addition, card companies or financial institutions can improve the work efficiency by eliminating the time for collecting and processing the sales slip.

Hereinafter, a card payment method in the case of using the personal or home payment processor 100 will be described.

5 is a flowchart illustrating a card payment according to another embodiment of the present invention, and more specifically, illustrates a card payment flowchart when the home payment processor 100 is used.

Referring to FIG. 5, if there is a card payment selection (step 900), the home payment processor 100 first performs a server connection request (step 910) to the service provider server 200, and in response, approves the server connection (step 920). When the information is received, the device enters the standby state for reading the information recorded on the credit card. If a credit card is inserted by the user in such a standby state, the card record information is read (step 930), and a password input is requested. If there is a password input of the card through the key input unit 114, it is received (step 940), and when the user requests the input of the purchased product information, the user inputs the product code and quantity information in response thereto. This product code is information obtained by accessing the home page of the catalog or service provider server 200.

Therefore, the home payment processor 100 is to obtain the product code as the card password, card record information and purchase product information. In the present invention, the card password and the card record information will be defined as customer information including the card password. As such, when the acquisition of the customer information and the purchase product information including the card password is completed, the payment processor 100 transmits it to the service provider server 200 (step 960). In this case, the payment processor 100 identification information is also transmitted.

When the service provider server 200 receives the customer information including the payment processor identification information and the card password and the purchase product information from the home payment processor 100, the product provider calculates a product sales price based on the received purchase product information (step 970). )do. That is, if the product sales price corresponding to the product code is read out from the product code DB 245 and multiplied by the quantity, the product sales price is calculated. When the product sales price is calculated as described above, the service provider server 200 transmits it to the card company server 300 together with the customer information including the card password (step 980) to service the product sales price according to the credit check result of the customer. Require transfer to provider account. At this time, the service provider account is a protection account set to protect the buyer, and is an account for depositing a payment amount until the corresponding amount is transferred to the seller's account when the purchaser's purchase goods are received / received.

In response to the above-described credit inquiry request, the card company server 300 inquires the credit level of the customer based on the received customer information and the product sales price information (step 990), and checks whether the payment is completed based on the inquiry result. ) And transmit (1000 steps). If payment approval is possible, the card company server 300 transfers the merchandise sales payment to the protection account which is the service provider's account (step 1080). If payment approval is not possible, the payment is transmitted as payment completion information.

Meanwhile, when payment completion information is received from the card company server 300, the service provider server 200 transmits the payment completion information to the home payment processor 100 (step 1010) and notifies the payment completion. The payment processor 100 displays whether the payment is completed (step 1020), and the payment completion information received according to the user's operation is stored or printed out as payment details information in the memory 112.

In addition, the service provider server 200 transmits the payment request of the completed product to the product seller server 600 (step 1030). In this case, it is obvious that the buyer information must be transmitted together. Accordingly, the merchandise seller delivers the goods to the buyer by using the courier company or its own transportation system, and if the buyer has normally received or delivered the completed payment, the goods delivery information to the service provider server 200 by the buyer or the courier. Is sent. The delivery method of the delivery information is preferably made through the product distributor server 600 or the courier company server 500. When the information indicating that the delivery of goods is completed is transmitted to the service provider server 200 (step 1060), the payments stored in the protection account are transferred to the product seller account (step 1070). If the delivery of goods is not completed or the purchaser refuses to receive the goods as a defect of the goods, the selling money accumulated in the protection account is transferred to the account of the card company server 300, thereby making a normal refund.

Accordingly, the buyer's buying and selling behavior can be protected by the protection account, and the customer can conveniently perform the card payment at home.

As described above, the present invention can easily perform card payment using a payment processor in a home, and also has an advantage of protecting a buyer in performing an e-commerce. Because it is made of a short time to recover the funds, there is an advantage that can protect the business activities.

On the other hand, the present invention has been described with reference to the embodiments shown in the drawings, which are merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. For example, in the exemplary embodiment of the present invention, the service provider server and the card company server are described as separate system configurations, but the card company server may perform all the roles supported by the service provider server. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (7)

In the card payment method of the system server which can be connected to a plurality of payment processors having at least a credit card reading function, Receiving card payment information including payment processor identification information and a card password from any commercial payment processor; Transmitting the merchant account information corresponding to the received payment processor identification information and the card payment information together to a card company server and requesting a payment amount to be transferred to the account according to a credit inquiry result of the customer; Receiving payment completion information from the card company server; And transmitting the received payment completion information to the payment processor to notify the payment completion and the transfer of funds. The card payment method of claim 1, further comprising: storing the payment completion information received from the card company server as payment history information in order to check the payment history information stored in the payment processor. In the card payment method of a card company server that can be connected to a plurality of payment processors having at least a credit card reading function, Receiving card payment information including payment processor identification information and a card password from any commercial payment processor; Inquiring received card payment information to check whether payment is approved; Transmitting payment approval information to the payment processor; And transferring the approved payment amount to the merchant account corresponding to the payment processor identification information. In the card payment method of the system server which can be connected to a plurality of payment processors having at least a credit card reading function, Receiving payment processor identification information, customer information including card password, and purchase product information from any household payment processor; Reading a product selling price corresponding to the purchased product information from a DB; Transmitting the customer information including the card password and a product selling price to a card company server and transferring the product selling price to a service provider account according to a credit inquiry result of the customer; Receiving payment completion information from the card company server; Transmitting the received payment completion information to the payment processor; Transmitting a request for delivery of the completed payment product to a product seller server; And transferring the payment made in the service provider account to the merchandise seller account upon receipt of the completed payment or delivery information. The method of claim 4, wherein the purchase product information includes a product code and quantity information. The card payment method of claim 4, further comprising retransmitting the payment amount deposited in the service provider account to the card company server account when the payment is rejected or the return request is received. In the card payment method of a card company server that can be connected to a plurality of payment processors having at least a credit card reading function, Receiving payment processor identification information, customer information including card password, and purchase product information from any household payment processor; Reading a product selling price corresponding to the purchased product information from a DB; Checking whether the payment is approved by querying the customer information including the card password and the product sales price; Transmitting payment approval information to the payment processor; Transmitting a request for delivery of the approved product to a product seller server; Card payment relay method comprising the step of transferring the payment approved product sales price to the product seller account upon receipt of payment approved goods or delivery information.