KR20030043216A - System for instantly settlement using loan/credit/cash cards and method thereof - Google Patents

Abstract

PURPOSE: An instant payment system and method is provided to enable an affiliated store to instantly receive a payment when a user uses a loan, a credit, or a debit card. CONSTITUTION: The system comprises a plurality of affiliated store terminals(100), a VAN(Value Added Network) computer(200), a plurality of card company or bank computers(300), a server(400), and a cooperation bank computer(500). The affiliated store terminals(100) output card approval request data to the VAN computer(200), receive a transaction approval or cancellation, and enable a user to make payment for a commodity or a service at the affiliated store. The VAN computer(200) receives the card approval request from the terminals(100), transmits the card approval request to the corresponding card company or bank computer(300), and transmits the card approval result to the terminals(100). The card company or bank computers(300) approve the card approval request, and transmit the card approval or transaction cancellation to the VAN computer(200). The server(400) sets a cooperation treaty with a specific bank on an instant payment service by a loan, a credit or a debit card, collects affiliated stores which want the instant payment service, and makes the instant payment for the affiliated stores if the normal card data are transmitted from the terminals(100). The cooperation bank computer(500) sets a cooperation treaty with the server(400) on the instant payment service, instantly deposits the payment amount to an account of the affiliated store as soon as the server(400) requests it, and afterwards receives the payment amount from the card company or bank computers(300).

Description

System and method for instant settlement using loan / credit / cash card {} for instantly settlement using loan / credit / cash cards and method

The present invention relates to an instant payment system and method.

More specifically, a loan or credit card can be used to purchase or service services in accordance with various commerce using a loan card in the same way as a credit card or debit card, and users who perform commerce or use service services can use loan / credit / cash. The present invention relates to an instant payment system and method using a loan / credit / cash card that allows the card merchant to immediately receive the payment when the card is used.

Recently, with the government's recommended policy to use credit cards, the use of credit cards has increased significantly, and each user is paying through a credit card or a debit card that is held in various transactions.

However, when users use a credit card or cash card, even though each merchant provides a portion of the sales amount as a fee, the user cannot pay the purchase or use immediately, depending on the circumstances of the card company or bank. There is a problem in that it is having a great difficulty in securing funds because days to 7 days can be paid.

Recently, loan cards have been developed to allow users who want to make small loans in addition to the above-mentioned credit cards or cash cards to freely borrow from financial institutions and repay loans without the need for a separate guarantor or document. It is used by users.

The loan card mentioned above is given a loan limit according to the customer's credit, and can borrow the necessary amount through telephone, internet, cash dispenser without visiting, no guarantee, paperless, and repays the loan (for example, a designated date every month). It is a loan-only card that pays only interest on the amount used, and repays the loan principal after one year, and repays it when the customer wants before the designated period.

However, the loan card described above has a disadvantage in that it cannot be used as a payment method when performing various transactions or using service services, unlike ordinary credit cards or cash cards.

It is an object of the present invention to solve the above problems, a loan / credit / cash card that allows users to use the purchase or service services according to various transactions using a loan card in the same way as a credit card or debit card It is to provide an instant payment system and method using.

Another object of the present invention, when the user performing a variety of commerce or service services when using the loan / credit / cash card loan card that allows the merchant to immediately receive the payment payment at the same time the card merchant authorization / The present invention provides an instant payment system and method using a credit / cash card.

Still another object of the present invention is to provide a point service at an operator providing an instant settlement service, establish a partnership for exchange of points with a plurality of credit card companies or banks, and at the same time, perform a transaction using the corresponding points. Loans / credits by selecting affiliates (sites) and allowing loan / credit / cash card users to redeem points and providing cashback services that can be reused or redeemed for cash through affiliates (sites) To provide an instant payment system and method using a cash card.

1 is a block diagram schematically showing the configuration of an instant payment system using a loan / credit / cash card according to the present invention;

2 is a flow chart showing in detail the operation of the instant payment method using a loan / credit / cash card according to the present invention;

3 to 8 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

100: merchant terminal

200: Van operator computer

300: card company / bank computer

400: server computer

500: affiliated financial institution computer

The instant payment system using the loan / credit / cash card of the present invention for achieving this purpose, the card authorization request data of the loan / credit / cash card presented by the user for payment of the cost of performing commerce or use of service services Is output to the outside, and the transaction approval or transaction cancellation data is input from the outside, and the user pays the cost according to the user's commerce or use of the service service, and the predetermined fee for the immediate payment from the outside immediately after the transaction approval is deducted. A plurality of merchant terminals receiving payments; Request transaction approval to the card company or bank according to the card approval request for the payment of the cost of performing the transaction or service service input from the merchant terminal, and the transaction approval or transaction cancellation data input from the card company or bank is entered. A van operator computer for outputting a transaction approval of a specific user to the outside for providing an immediate payment service; In accordance with the transaction approval request of the loan / credit / cash card input from the van operator's computer, the user's card usage status is checked, and the transaction approval or transaction cancellation data is output to the van operator's computer, and the user is requested according to the merchant's payment request. A plurality of card companies / bank computers for confirming the use of the card and paying a settlement fee deducted a predetermined fee for using the card; Establish partnerships with specific financial institutions for payment of instant payments using loans / credits / cash cards, recruit each business site for immediate payment service, and perform merchant registration for each business site to perform merchant registration. When transaction approval data is entered from the van operator computer according to the loan / credit / cash card use of a specific user, payment payment request data is output to the affiliated party so that payment can be made immediately. A server computer for checking the payment details immediately after outputting the corresponding merchant terminal; Set up an alliance for immediate payment using the loan / credit / cash card with the server computer.If the payment request data is entered from the server computer, deduct the fee for the immediate payment and transfer it to the financial account designated by the merchant. The payment amount is deposited, and after the immediate payment is performed, the affiliated financial institution computer which receives the payment amount paid by the card company or the bank from the merchant is characterized in that it is configured to include.

In addition, the instant payment method using the loan / credit / cash card according to the present invention, (1) to establish a partnership with a specific financial institution on the server computer to pay the immediate payment using the loan / credit / cash card, Recruiting each business place for using the instant payment service using a credit / cash card and then performing the merchant screening for each business to perform merchant registration; (2) When transaction approval data for a particular user's loan / credit / cash card is input from the van operator's computer, the affiliated finance is provided with the payment payment request data so that the server computer can immediately settle the payment used by the user. Outputting to the institution computer, outputting the processing result to the corresponding merchant terminal, and confirming an immediate payment history processed by the affiliated financial institution computer; (3) A card company / bank computer based on the user's use of the card at the affiliated store using the instant payment service after a period of time when the payment is made to the affiliated institution computer in response to the request for payment of the server computer. Providing the payment received from the affiliated financial institution computer to return the immediately settled payment; (4) If the payment is returned to the affiliated financial institution immediately from the affiliated store, the server computer evaluates the performance of the affiliated transaction in which the transaction occurred, adjusts the merchant limit, and outputs the adjusted data to the affiliated terminal. Characterized in that made.

And, the instant payment method using the loan / credit / cash card according to the present invention, after the above-described process (4), (5) at the request of a specific merchant member who performed a communication connection through the Internet, Extracting the transaction approval data and the performance data from the database and displaying them on the performance window; (6) At the request of a specific user who has made a communication connection through the Internet, the server computer exchanges points for use of the loan, credit, or cash card held by the user with points operated by the server computer, and the user It is desirable to use the points to conduct commerce through a site affiliated with the server computer or to further redeem the cash.

Hereinafter, with reference to the accompanying drawings will be described in detail the instant payment system and method using the loan / credit / cash card of the present invention.

1 is a block diagram schematically showing the configuration of an instant payment system using a loan / credit / cash card according to the present invention.

As shown, the plurality of affiliated terminal 100 is a device installed for each business site to use a credit card or debit card as well as a loan card as a means of payment for purchase or service services according to various transactions. After the registration of the affiliate store on the server computer 400 that supports the instant payment service is installed.

Then, the card approval request data of the loan / credit / cash card presented by the user is output to the van operator computer 200 for the payment of the cost according to the transaction performance or the use of the service service, and the transaction approval from the van operator computer 200. Alternatively, the affiliated financial institution computer that receives the transaction cancellation data and performs the payment for the user's commerce or use of the service service, and establishes an alliance for immediate payment with the server computer 400 immediately after the transaction is approved ( 500, the payment is made by deducting a predetermined fee for an immediate payment.

At this time, each affiliated store that receives payment immediately from the partner financial institution computer 500 after a certain date (usually 2 to 7 days as the date required to settle the use of the card at each card company or bank), from the card company or bank The payment amount will be returned immediately to the credit card used.

The van operator computer 200 requests a transaction approval from the corresponding card company / bank computer 300 according to a card approval request for payment of the cost of performing a transaction or using a service service input from the merchant terminal 100, and the card company / The transaction approval or transaction cancellation data input from the bank computer 300 is output to the affiliated store terminal 100, and the transaction approval data of a specific user is output to the server computer 400 that provides an immediate payment service.

The plurality of card companies / bank computers 300 checks the user's card use status according to the transaction approval request of the loan / credit / cash card input from the van operator computer 200, and then approves the transaction according to the user's transaction and credit status. Alternatively, the transaction cancellation data is output to the van operator computer 200, and after the transaction occurs, after confirming the user's use of the card according to the payment request of the affiliated store, the merchant pays the settlement fee deducted a predetermined fee for using the card. Payment to the designated financial account.

The server computer 400 establishes an alliance with a specific financial institution for payment of instant payment using a loan / credit / cash card, recruits each business site to use the instant payment service, and conducts an affiliate store review for each business site. To register the merchant, and when the transaction approval data according to the loan / credit / cash card use of the specific user is input from the van operator computer 200, the payment request for payment is made so that the payment is immediately made to the merchant. The data is output to the affiliated financial institution computer 500, and the processing result is output to the affiliated merchant side, and then the payment details are immediately checked by the affiliated financial institution computer 500.

That is, the server computer 400 checks whether the merchant exceeds a predetermined percentage of the predetermined limit when the merchant is registered, and if not, the server computer 400 sends the payment payment request data to the affiliated merchant so that the payment is immediately made. Output to the computer 500, if a certain percentage of the limit is exceeded, based on the approval information of the card within the last few months, judging by comparing the average value of the industry, and minimizing the error rate of the price used by the user By outputting payment payment request data to the affiliated financial institution computer 500 so that the immediate payment is made, the risk of immediate payment is prevented as much as possible.

Then, the server computer 400 establishes a point service, establishes an alliance with a plurality of card companies or banks, and selects a plurality of affiliates (sites) that can conduct commerce using the points. At the request of the user, the points for the loan / credit / cash card use held by the user are exchanged for points used by the server computer 400, and later, the user uses the exchanged points for commerce through an affiliate company (site). In addition to providing a service or service, as well as providing cash back service to redeem points exchanged at the user's request.

In addition, the server computer 400 accumulates and manages the transaction approval and performance data for each affiliate store, and stores the transaction approval related data and the performance data of the affiliate store in a database at the request of a specific affiliate member who has made a communication connection through the Internet. Provides services to extract and provide merchant members.

The affiliated financial institution computer 500 establishes an alliance with the server computer 400 for the instant payment payment using the loan / credit / cash card, and immediately setstles the payment when the payment request data is input from the server computer 400. After deducting the fee, the payment will be made to the financial account designated by the relevant merchant. After the payment is made, the payment will be made by the card company or bank.

At this time, the affiliated financial institution computer 500 described above uses a loan / credit / cash card of a specific user if the affiliated party using the instant payment service provided by the server computer 400 has a financial account of the affiliated financial institution. According to the card company / bank computer (300) after a certain date to receive the payment immediately through the credit card used to deposit to the financial account of the affiliated financial institution. However, if a particular merchant using the instant payment service provided by the server computer 400 does not have a financial account of an affiliated financial institution, the card company / bank computer after a certain date according to the use of the loan / credit / cash card of the specific user The merchant receives the payment for using the card from 300 and receives the corresponding payment from a specific financial account (virtual account in which the pledge is set) designated by the affiliated financial institution and returns the immediately paid payment.

Next, an embodiment of an instant payment method using a loan / credit / cash card according to the present invention configured as described above will be described in detail with reference to FIGS. 2 to 8.

2 to 8 are flowcharts showing in detail the operation of the instant payment method using the loan / credit / cash card according to the present invention.

First, the server computer 400 establishes a partnership relationship with a specific financial institution for payment of instant payment using a loan, credit, or cash card, and establishes each business site for using an instant payment service using a loan, credit, or cash card. After recruiting, the affiliated store is inspected for each business place to perform registration of the affiliated store (S100).

In detail, the server computer 400 establishes an alliance relationship with a specific financial institution for immediate payment in order to provide the merchant with an immediate payment service based on loan / credit / cash card use (S110).

In addition, after establishing a partnership relationship with a specific financial institution on payment of instant payment using the loan / credit / cash card, the server computer 400 conducts the transaction of the loan card in the same manner as a credit card or a debit card. Recruit a plurality of businesses that want to be able to use the service for payment and at the same time receive immediate payment service (S120), and perform merchant checks to determine the affiliate limit against the industry average for each business site that has been recruited. (S130).

After screening affiliate stores, the server computer 400 registers the information of the affiliate stores in the database and immediately starts a payment service (S140).

After establishing a partnership with a specific financial institution through the above-described process (S100) regarding payment of immediate payment and registering a plurality of businesses as affiliates, the server computer 400 receives a loan / description of a specific user from the van operator computer 200. When transaction approval data for credit / cash card use is input, payment payment request data is output to the affiliated financial institution computer 500 so that the user can immediately settle the payment used by the merchant, and the processing result is output to the affiliated terminal. After the output to the 100 checks the details of the immediate payment processed by the partner financial institution computer 500 (S200).

In detail, when a card approval request is input from a specific merchant terminal 100, the van operator computer 200 requests a transaction approval based on the use of the card to the card company / bank computer 300 (S210). The transaction approval or transaction cancellation data input from the bank computer 300 is output to the corresponding affiliated store terminal 100 and simultaneously output to the server computer 400 (S220).

When transaction approval data is input from the van operator computer 200 according to the loan / credit / cash card use of a specific user, the server computer 400 determines that the approved transaction amount is a certain percentage of the merchant limit (for example, 20%). It is determined whether to exceed (S230).

If it is determined that the approved transaction amount does not exceed a certain percentage of the affiliate limit of the workplace, the server computer 400 sends the settlement payment request data to the affiliated financial institution computer so that the payment can be made immediately by the user. Output to 500 (S240).

However, if the approved transaction amount exceeds the predetermined percentage of the affiliated store limit of the workplace as a result of the above-described determination (S230), the server computer 400 immediately pays the service based on the transaction approval information of the affiliated store in recent months. It is determined whether the provision is possible (S250). At this time, if it is determined that the on-site check of the affiliated store is necessary in the server computer 400, the management personnel may directly visit the affiliated store and check whether there is a problem in using the immediate payment service.

If it is determined that an abnormality of the affiliated store is not found and the payment service can be provided immediately, the server computer 400 sends the payment payment request data to the affiliated financial institution computer 500 so that the payment is immediately made to the merchant. And outputs (S260).

However, if it is determined that the above step (S250) of the affiliated store abnormality is found, it is impossible to provide the immediate payment service, the server computer 400 generates a message that the immediate payment is impossible (S270).

After outputting the payment request data to the affiliate financial institution computer 500 or generating a message indicating that the payment can not be made immediately, the server computer 400 pays the message of the non-payment or the affiliate financial institution computer 500. The processing result of outputting the payment request data is output to the corresponding merchant terminal 100 (S280).

Subsequently, the affiliated financial institution computer 500 that receives the payment request data from the server computer 400 deposits a payment amount deducted from the fee for the immediate payment to the affiliated party, and records the details of the immediate payment. Output to 400 to check (S290).

Now, after a predetermined period in which the immediate payment is paid to the affiliated party in which the transaction occurred in the affiliated financial institution computer 500 according to the payment request of the server computer 400 through the above-described process (S200), an immediate payment service is used. The merchant side provides the payment received from the card company / bank computer 300 according to the user's use of the card to the affiliated financial institution computer 500 to perform the return of the payment immediately (S300).

To explain this in detail, the affiliated store that received the payment immediately from the affiliated financial institution presents the card sales slip used by the specific user to the corresponding card company / bank and requests payment of the specific user's card use price (S310).

The card company / bank, which is requested to pay the card use price from a specific merchant, checks the use of the user's card for a certain period of time, and deposits the card use price into the financial account designated by the corresponding merchant (S320).

When the card company / bank deposits the card use price into the financial account designated by the affiliate store, the card company / bank determines whether the financial account deposited as the card use price is the financial account of the affiliated financial institution (S330).

As a result of the determination, if the financial account of the affiliated financial institution, the partner financial institution computer 500 receives the amount deposited in the financial account as a payment immediately (S340).

However, as a result of the above-described determination (S330), if it is not a financial account of the affiliated financial institution, the amount of money received from the credit card company / bank at the affiliated store is transferred to the financial account designated by the affiliated financial institution computer 500 and immediately settled. Returns (S350).

When the immediate payment price is returned through the above-described step (S340) (S350), the affiliated financial institution computer 500 outputs the return information of the immediate payment price from the specific merchant to the server computer 400 (S360).

When the payment is returned immediately from the affiliated store to the affiliated financial institution through the above-described process (S300), the server computer 400 evaluates the performance of the affiliated store in which the transaction occurred, adjusts the merchant limit, and adjusts the adjusted data. Output to the affiliated store terminal 100 (S400).

In detail, the server computer 400 accumulates and records the transaction results of the affiliate store in the database immediately after the immediate payment of the payment is made from the affiliated store using the instant settlement service to the affiliated financial institution (S410). It is determined whether the transaction performance of the merchant in the last three months exceeds a certain ratio (for example, 20%) of the average (S420). At this time, the period of three months set as the determination criteria can be changed arbitrarily on the server computer 400 side.

As a result of the determination, if the transaction performance of the merchant for the last three months exceeds a certain percentage of the average, the server computer 400 evaluates the transaction performance of the merchant and then raises or maintains the merchant limit (S430). As a result, if the transaction performance of the merchant in the last three months does not exceed a certain percentage of the average, the affiliate store limit of the affiliate is lowered (S440).

After adjusting the merchant limit according to the transaction performance of the merchant in the last three months, the server computer 400 determines whether the transaction performance of the merchant exceeds a certain percentage (eg, 20%) of the industry-specific average (S450). ).

If the determination result that the merchant's transaction performance exceeds a certain percentage of the average for each industry, the server computer 400 evaluates the merchant's transaction performance and then raises or maintains the merchant limit (S460), the merchant's transaction If the performance does not exceed a certain ratio of the industry-specific average, the server computer 400 lowers the affiliate store limit of the affiliated store (S470).

In addition, the server computer 400 outputs data on the affiliated store limit adjusted according to the transaction performance of the affiliated store to the corresponding affiliated store terminal 100 to inform the adjustment of the affiliated store limit (S480).

After performing the performance management for each affiliate through the above-described process (S400), the server computer 400 is a database of the transaction approval related data and performance data of the affiliated store according to the request of a specific member of the affiliated store that performs communication access through the Internet Extracted from and displayed on the performance window (S500).

In detail, the server computer 400 performs a login of a specific affiliate member who performs communication access to a homepage operated by the server computer 400 through the Internet (S510), and the member member who performs the login performs the login. It is determined whether to request transaction approval related data and performance data (S520).

As a result of the determination, when the affiliate member requests the transaction approval related data and the performance data, the server computer 400 extracts the transaction approval related data and the performance data from the database and displays the result on the performance window (S530). If the transaction approval related data and performance data are not requested, the affiliated member provides a service requested by the affiliated member (S540).

Finally, together with the merchant member service as described above (S500), the server computer 400 according to the request of a particular user who performed a communication connection through the Internet according to the use of the loan / credit / cash card possessed by the user Cashback service that exchanges points for points operated by the server computer 400 and allows the user to use the exchanged points to conduct commerce through a company (site) affiliated with the server computer 400 or to redeem cash. Provides (S600).

In detail, the server computer 400 determines whether a specific user who has made a communication connection to the homepage of the server computer 400 requests the exchange of points according to the loan / credit / cash card use held by the user. (S610).

At this time, the server computer 400 establishes an alliance relationship with a plurality of credit card companies or banks for the point exchange, and at the same time, an affiliation relationship is established to enable transactions using a plurality of affiliated companies (sites) and points. have.

When the user requests an exchange of points as a result of the above-described determination (S610), the server computer 400 checks the points according to the loan / credit / cash card use held by the user and then operates the server computer 400. Exchange for points (S620).

Subsequently, the server computer 400 determines whether the user performs a commerce or uses a service service through a company (site) affiliated with the server computer 400 using the exchanged points (S630).

As a result of determination, when the user conducts a commerce using the exchanged points or uses a service, the server computer 400 deducts the points used by the user, and then pays the corresponding amount to the partner company (site). (S640).

However, as a result of the above-described determination (S630), if the user performs a commerce using the exchanged points or does not use a service, the server computer 400 determines whether the user requests cash repayment of the exchanged points. If it is determined (S650), when the user requests cash repayment, the user deducts points held by the user and then reimburses the cash through the financial account designated by the user (S660).

As described above, according to the instant payment system and method using the loan / credit / cash card of the present invention, when a user performing various transactions or using a service service performs the payment using the loan / credit / cash card Since each card merchant can immediately receive payment from a specific financial institution at the same time as the user's card use approval, it is possible to secure the funds smoothly with a small fee.

In addition, since a user having a loan card can use it as a payment method when performing various transactions or using service services in the same manner as a general credit card or a cash card, the use of the card is widened.

In addition, by providing a point service from the operator who provides the instant payment service, by reusing the point or providing cash repayment to users who have secured a certain point through the use of loans, credits and cash cards, Each user has the advantage of getting great benefits from using the card.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (12)

Output the card approval request data of the loan / credit / cash card presented by the user to the outside to perform the commerce or to pay for the use of the service, and perform the commerce of the user by receiving transaction approval or transaction cancellation data from the outside Or a plurality of affiliated terminal terminals that perform the payment according to the use of the service service and receive payment from the outside immediately after approval of the transaction and a predetermined fee deducted from the external payment immediately; Request transaction approval to the card company or bank according to the card approval request for the payment of the cost of performing the transaction or service service input from the merchant terminal, and the transaction approval or transaction cancellation data input from the card company or the bank; A van operator computer outputting to a merchant terminal and outputting a transaction approval of a specific user to the outside for providing an immediate payment service; According to the transaction approval request of the loan / credit / cash card input from the van operator computer, after confirming the user's card use status, the transaction approval or transaction cancellation data is output to the van operator computer, and the payment request of the merchant A plurality of card companies / bank computers that check the user's use of the card and pay the settlement fee deducted a predetermined fee for using the card; Establish a partnership with a specific financial institution on payments for instant payments using loans / credits / cash cards, recruit each business site to use the instant payment service, and perform merchant registration for each business site to perform merchant registration. When the transaction approval data according to the use of the loan / credit / cash card of a specific user is input from the van operator computer, the payment payment request data is output to the affiliated party so that payment of the payment used by the user is made immediately and processed. A server computer for outputting the result to the affiliated store terminal and immediately checking the payment details; And Set up an alliance relationship with the server computer for immediate payment using the loan / credit / cash card, and if the payment request data is input from the server computer, deduct the fee for the immediate payment and then designate the financing designated by the relevant merchant. An immediate payment system using a loan / credit / cash card, comprising: an affiliated financial institution computer that deposits a payment amount into an account and receives a payment amount paid by a card company or a bank from the affiliated store after performing an instant payment. The computer system of claim 1, wherein the affiliated financial institution computer comprises: If the merchant side using the instant payment service provided by the server computer has a financial account of an affiliated financial institution, Loan / credit characterized in that the cardholder / bank computer is immediately refunded through the credit card payment made by the card company / bank computer to the financial account of the affiliated financial institution according to the specific user's loan / credit / cash card use. Payment system using cash / cash card. The computer system of claim 1, wherein the affiliated financial institution computer comprises: If the merchant using the instant payment service provided by the server computer does not have a financial account of the affiliated financial institution, According to the loan / credit / cash card use of a specific user, the merchant who received the card payment from the card company / bank computer after a certain date receives the payment from the merchant to the specific financial account designated by the partner financial institution and returns the immediately settled payment. Instant payment system using loan / credit / cash card characterized by receiving. The method of claim 1, wherein the server computer, After establishing an alliance for exchanging points with multiple card companies or banks, select a plurality of affiliates (sites) that can conduct transactions using the points, At the request of the user, points for use of the loan, credit, or cash card held by the user are exchanged for points used on the server computer. In the future, the user can use the exchanged points to conduct commerce or use service services through an affiliate company (site), and at the same time, provide a cashback service to redeem the exchanged points at the user's request. Instant payment system using loan / credit / cash card. (1) Establish a partnership with a specific financial institution on a server computer for payment of instant payments using loans / credits / cash cards and recruit each business site to use instant payment services using loans / credits / cash cards. After that, the process of performing merchant registration by each establishment to perform merchant registration; (2) When transaction approval data for a particular user's loan / credit / cash card is input from the van operator's computer, the affiliated finance is provided with the payment payment request data so that the server computer can immediately settle the payment used by the user. Outputting to the institution computer, outputting the processing result to the corresponding merchant terminal, and confirming an immediate payment history processed by the affiliated financial institution computer; (3) A card company / bank computer based on the user's use of the card at the affiliated store using the instant payment service after a period of time when the payment is made to the affiliated institution computer in response to the request for payment of the server computer. Providing the payment received from the affiliated financial institution computer to perform the return of the immediately settled payment; And (4) If the payment is returned to the affiliated financial institution immediately from the affiliated store, the server computer evaluates the performance of the affiliated transaction in which the transaction occurred, adjusts the merchant limit, and outputs the adjusted data to the affiliated terminal. Immediate payment method using a loan / credit / cash card, characterized in that made. The method according to claim 5, wherein after the process (4), (5) extracting the transaction approval related data and the performance data of the affiliated store from the database and displaying them on the performance window at the request of a specific member of the affiliated store who has made a communication connection through the Internet; And (6) At the request of a specific user who has made a communication connection through the Internet, the server computer exchanges points for use of the loan, credit, or cash card held by the user with points operated by the server computer, and the user Immediate payment method using a loan / credit / cash card, characterized in that using the points to perform a commerce through a site affiliated with the server computer or to repay the cash. The method of claim 5, wherein the process (1), (1-1) establishing an affiliation relationship with a specific financial institution on payment of an instant payment to provide the merchant with an instant payment service according to the use of the loan / credit / cash card on the server computer; (1-2) After establishing a partnership with a specific financial institution on payment of instant payments using loan / credit / cash cards, the server computer conducts transactions on loan cards in the same way as credit cards or debit cards. Recruiting a plurality of businesses that want to be available as payment for the use of the service services and at the same time want to receive the immediate payment service; (1-3) performing an affiliated store examination for determining an affiliated store's limit from an average of the same industry for each workplace recruited from a server computer; And (1-4) Immediate payment method using a loan / credit / cash card, characterized in that after the screening of merchants by each business site, registering the information of the merchants in the database and starting the immediate payment service. The method of claim 5, wherein the process (2), (2-1) requesting a transaction approval to a corresponding card company / bank computer when a card approval request is input from a specific merchant terminal in a van operator computer; (2-2) outputting the transaction approval or transaction cancellation data inputted from the card company / bank computer to the merchant terminal at the van operator computer and outputting the transaction approval of the specific user to the server computer; (2-3) when the transaction approval data according to the use of the loan / credit / cash card of the specific user is input from the van operator computer in the server computer, determining whether the approved transaction amount exceeds a certain percentage of the merchant limit; (2-4) As a result of the judgment, if the approved transaction amount does not exceed a certain percentage of the merchant limit, the server computer sends the payment request data to the affiliated financial institution computer so that the payment made by the user to the affiliated party is made immediately. Outputting; (2-5) If the approved transaction amount exceeds a certain percentage of the merchant limit as a result of the determination in step (2-3), the provision of the immediate payment service is performed on the server computer based on the transaction approval information of the merchant in the last few months. Determining whether it is in a possible state; (2-6) If the judgment result shows that the merchant does not find any abnormality and the payment service can be provided immediately, the server computer sends the payment payment request data to the affiliated financial institution computer so that the payment can be made immediately. Outputting to; (2-7) if it is found that the affiliate store is found to be unable to provide an immediate payment service, generating a message indicating that the immediate payment is impossible at the server computer; (2-8) outputting, to the corresponding merchant terminal, a processing result of outputting a message for non-payment immediately from the server computer or payment payment request data from the affiliated financial institution computer; And (2-9) The affiliated financial institution computer that received the payment request data from the server computer deposits the payment amount deducted from the fee for the immediate payment to the affiliated party, and prints the details of the immediate payment to the server computer. Immediate payment method using a loan / credit / cash card, characterized in that it comprises a step to make. The method of claim 5, wherein the process (3), (3-1) presenting a card sales slip used by a specific user to the corresponding card company / bank in the affiliated store which received the instant payment from the affiliated financial institution and requesting payment of the card use of the specific user; (3-2) confirming the user's use of the card for a predetermined period of time at the card company / bank, which is requested to pay the card use price from a specific merchant, and depositing the use amount of the card into a financial account designated by the corresponding merchant; (3-3) determining whether the financial account deposited as the payment amount of the card at the card company / bank is the financial account of the affiliated financial institution; (3-4) if it is determined that the financial account of the affiliated financial institution, the partner financial institution computer side is to return the amount deposited in the financial account as the immediate payment; (3-5) If the determination result of step (3-3) is not a financial account of the affiliated financial institution, the merchant side provides the payment received from the card company / bank to the partner financial institution computer and returns the immediately settled payment. ; And (3-6) An immediate payment method using a loan / credit / cash card, comprising the step of outputting the return information of the immediately settled payment from a specific merchant to the server computer at the affiliated financial institution computer. The method of claim 5, wherein the process (4), (4-1) when the immediate payment price is returned from the affiliated merchant using the instant settlement service to the affiliated financial institution, accumulating and recording the transaction results of the affiliated store in a database on the server computer; (4-2) determining, at the server computer, whether the transaction performance of the corresponding merchant in the last three months exceeds a certain percentage of the average; (4-3) if the merchant's transaction performance in the last three months exceeds a certain percentage of the average, the server computer evaluates the merchant's transaction performance and then increases or maintains the merchant limit; (4-4) if the result of the determination in step (4-2) does not exceed a predetermined percentage of the transaction performance of the last three months of the affiliate store, lowering the affiliate store limit of the affiliate store in the server computer; (4-5) after adjusting the merchant limit according to the transaction performance of the merchant in the last three months, the server computer determines whether the transaction performance of the merchant exceeds a certain percentage of the average for each industry; (4-6) if the transaction performance of the affiliated store exceeds a certain percentage of the average for each industry, the server computer evaluates the transaction performance of the affiliated store and then increases or maintains the merchant limit; (4-7) if the transaction result of the affiliated store does not exceed a certain percentage of the average for each industry as a result of the determination of step (4-5), lowering the affiliated store limit of the affiliated store at the server computer; And (4-8) A method for instant payment using a loan / credit / cash card, comprising the step of outputting data on the merchant limit adjusted according to the transaction performance of the merchant at the server computer to the corresponding merchant terminal. The method of claim 6, wherein the process (5), (5-1) performing a login of a specific affiliated member who has made a communication connection to a homepage of a server computer through the Internet; (5-2) determining whether the affiliated member who has logged in requests for transaction approval related data and performance data; (5-3) when the affiliate member requests the transaction approval related data and the performance data, extracting the transaction approval related data and the performance data of the corresponding merchant from the database and displaying the result on the performance window; And (5-4) if the affiliated member does not request transaction approval related data and performance data as a result of the determination in step (5-2), providing a service requested by the affiliated member on the server computer; Instant payment method using loan / credit / cash card. The method of claim 6, wherein the process (6), (6-1) determining whether a specific user who has made a communication connection to the homepage of the server computer via the Internet requests the exchange of points according to the use of the loan / credit / cash card held by the user; (6-2) if the user requests the exchange of points as a result of the determination, checking the points according to the use of the loan / credit / cash card possessed by the user in the server computer and exchanging the points with the points operated by the server computer; (6-3) determining whether the user uses the exchanged points to perform commerce or use a service through a site associated with the server computer; (6-4) As a result of the determination, if the user conducts a commerce using the exchanged points or uses a service, the user deducts the points used by the user and pays the corresponding amount to the partner company (site). ; (6-5) determining whether the user requests cash repayment of the exchanged points; And (6-6) When the user requests cash repayment as a result of the determination, the loan is made by deducting the points held by the user from the server computer and repaying the cash through the financial account designated by the user. Instant payment using credit / cash card.