KR20030062057A - An agency settlement system - Google Patents

Abstract

PURPOSE: A proxy settlement system is provided to accelerate the turnover of capital by making the card settlement of a non-card holder and the cash settlement of a non-cash card holder as making an article buyer and a card payer different with each other. CONSTITUTION: Affiliated store terminals(313-317) are equipped to each affiliated store. A settlement server(303) provides the personal information and the article buying particulars information of the buyer to the first affiliated store terminal by receiving the proxy settlement request information from the first affiliated store terminal according to a buyer's request, and receiving the personal information and the article buying particulars information from the second affiliated store terminal. The settlement server(303) respectively provides the proxy settlement approval information to the first and the second affiliated store terminal by receiving and responding to the payer's settlement approval information from the first affiliated store terminal.

Description

Agency payment system {AN AGENCY SETTLEMENT SYSTEM}

The present invention relates to a business model according to payment, and more particularly, to a surrogate payment system for forming a different structure between the payer and the purchaser of the goods, thereby increasing the rotational force of the funds and improving the efficiency of the payment.

In general, direct cardholder payment methods, such as credit or debit cards, require owners to purchase and pay for goods directly, and if a third party wishes to make a purchase, the cardholder will accompany the cardholder after confirming the purchase. Make a payment.

This payment system allows the cardholder to directly use his or her card, so if there is a cash dispenser at a remote location, a bank deadline is closed, a card (cash) is lost, or there is an item that must be purchased without a card The reality is that the purchase of goods becomes impossible or difficult. In addition, when a single card is used by a given group, there is a case where the cardholder and the buyer of the goods do not coincide, which causes a problem of lowering card utilization and reducing economic activation.

The present invention was created to solve the above problems, and the object of the present invention is to allow the buyer and the card payer to be different, the card payment of the card holders or the cash payment of the cash card holders are made to rotate the funds It is to provide a surrogate payment system to increase the economic activation and to eliminate the inconvenience of purchasing goods by allowing this to be accelerated.

A proxy payment system according to an aspect of the present invention for achieving the above object, a communication network; An affiliated terminal provided in each of a plurality of affiliated stores; And proxy payment application information for proxy payment application is input from one affiliate terminal according to a buyer's request, and the buyer's personal information and purchaser's purchase purchase information are input from the other affiliate terminal, and the buyer's individual is input to the affiliate terminal. Information and purchaser purchase information of the buyer, receiving payment settlement approval information from the one affiliate terminal based on the information provided to the affiliate terminal, and responding to the payment terminal settlement approval information. Characterized in that consisting of; payment server for providing the proxy payment approval information to each of the other affiliate terminal.

In addition, the payment server is characterized in that the payment is made with a credit card company's financial server for credit card payment when the payment is made by credit card.

1 is a configuration diagram for explaining a first embodiment according to the present invention,

2 is a configuration diagram for explaining a second embodiment according to the present invention;

3 is a configuration diagram showing the system of FIGS.

<Explanation of symbols for the main parts of the drawings>

101, 201, 301: communication network 109, 205: first merchant

107, 207: second merchant 303: payment server

305: financial server 307: affiliate information database

309: payment information database 311: account information database

313-317: Affiliate Terminal

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

1 is a block diagram showing the overall flow of the present invention, Figure 2 is a block diagram showing another embodiment of the present invention, Figure 3 is a system block diagram according to the present invention. As illustrated, the communication network 101 and a plurality of merchants, that is, the first affiliated store 109 and the second affiliated store 107 are connected, and the card company 113 and the financial institution, that is, the bank 111, are connected to the communication network 101. ) Is linked.

The purchaser 103 does not own cash or a card, and allows the payer 105 to perform proxy payment based on the contracted information.

The purchaser 103 may perform an item purchase request 117 through a predetermined affiliate store, that is, the first affiliate store 109, but may request a proxy payment from a third party. The first affiliated store 109 receives the personal information of the buyer 103 according to the proxy payment request, and requests a payment request from the payer 105. The buyer 103 provides the personal information of the purchaser 103 and the item information to be purchased, that is, the name of the product, the price, the name of the merchant to be purchased, or the merchant number through the predetermined communication with the payer 105. The communication is a communication device capable of transmitting the above information including a wired and wireless telephone, and in the embodiment of the present invention, a call using a mobile communication device may be preferable.

The payer 105 checks the feasibility of the purchase of the goods by the buyer 103, and then, through the second merchant 107, which is close to or easily accessible to a predetermined merchant, that is, the payer 105. Provide 121. The second affiliated store 107 receives the purchaser's personal information and purchase information according to the purchase of goods from the payer 105.

In addition, the second affiliated store 107 receives a card to be paid from the payer 105 and pays the goods purchased from the buyer 103 at the first affiliated store 109. Therefore, the second affiliated store 109 provides the payer information 131 for the validity of the card of the payer 105 through communication with the card company 113.

After determining whether the card is valid through a predetermined procedure, the card company 113 transmits the proxy payment approval information 133 according to the determination result to the first affiliate store 109. The first affiliated store 109 sells the goods to the buyer 103 based on the information approved by the card company 113, and provides the sold sales information 123 to the card company 113.

The card company 113 provides confirmation information upon completion of payment to the second affiliate store 107, and the second affiliate store 107 validates the payment approval of the payer 105. At this time, when the payer 105 pays the purchase amount generated when the goods are purchased, a proxy payment fee according to the proxy payment at the second affiliate store 107 may be further included in addition to the normal card company fee or the installment fee. Therefore, the billing amount charged by the card company 113 to the payer 105 is charged with the proxy payment fee 137 paid to the second affiliate store 107 together with the sales amount of the first affiliate store 109.

Meanwhile, the payment method of the payer 105 may be a debit card (cash card) in addition to a credit card, and at this time, the card company (cash card operator: 113) is connected to the bank 111, which is a financial institution, to pay the purchase amount. . Therefore, when the payer 105 makes a payment through the second merchant 107 according to the purchaser 103's request, the card company 113 receives the balance of the payer 105 from the bank 111. Receive information and decide whether to approve.

If the approval is determined, a transaction between the first affiliated store 109 and the buyer 103 is made, thereby allowing the card company 113 to receive a purchase amount according to the transaction from the bank 111. Of course, the purchase amount includes a proxy payment fee including the sales amount of the first affiliated store 109 described above.

In another embodiment of the present invention, the case where the buyer and the payer are the same is shown. It purchases a certain article at a specific merchant and payment is made through a third party merchant, and the payer can make a cash payment in addition to a credit card or a debit card (cash card). See FIG. 2.

The buyer 203 provides the predetermined information to purchase the predetermined article from the first merchant 205. That is, the name of the product, the amount of purchase and the personal information of the purchaser 203 received from the purchaser 203 are input to the affiliated head office 211 through a predetermined computer network or communication network 201. The affiliated head office 211 receives the financial transaction information of the buyer 203 through a financial institution, that is, the bank 209, and approves the purchase of goods by the buyer 203 based on the financial transaction information.

The goods purchase approval information is sent to the first merchant 205, which issues the slip 213 for future payment with the purchased goods. The slip 213 is described in the purchase information, including the purchase item name, purchase amount, purchase date, merchant information (business number, merchant name, merchant number). The purchase information may include a unique number of a purchase slip, a buyer's name, and a buyer's signature information. The purchaser's name may be excluded to prevent leakage of personal information, and a social security number up to a certain number of digits may be listed. In addition, the purchase amount includes a proxy payment fee.

The purchaser 203 purchases the goods at the merchant at the current location due to the closing time of the merchant at a specific place, and visits the second merchant 207 to perform proxy payment at the merchant near the house the next day. Submit the document 213 and pay the purchase amount. Payment can be made by credit card, debit card (cash card) and cash.

The second affiliated store 207 receives the slip 213 and checks the identity of the purchaser 203 and the contents of the slip, and notifies the affiliated main store 211 of the purchase price payment through the communication network 201. Accordingly, the second affiliated store 207 performs a proxy payment, and may give a predetermined time until the purchaser 203 pays the product after purchasing the goods. The payment delay fee of the first affiliate store 205 may be imposed according to the period until the settlement date. Of course, the proxy fee of the second merchant 207 will not change.

The affiliated main office 211 provides a proxy payment fee 217 to the second affiliated store 207 based on the payment information settled by the second affiliated store 207, and sales 221 to the first affiliated store 205. To pay. In addition, when paying with a credit card or a cash card from the purchaser 203, the affiliated main office 211 may perform card payment through interworking with the bank 209.

3 is a block diagram showing a network system according to the present invention. As illustrated, the communication network includes a communication network 301, a payment server 303, a financial server 305, and a plurality of affiliate terminals 313, 315, and 317 connected to the payment server 303 through the communication network 301. The payment server 303 is linked with the affiliate information database 307 and the payment information database 309, and the financial server 305 holds the account information database 311.

In addition, the payment server 303 may be a proxy for payment server provided in the affiliated headquarters, may be a server of a separate proxy payment institution linked to the affiliated headquarters. Therefore, the affiliated main office in the embodiment of the present invention is provided with a server for proxy payment or the proxy payment method described in conjunction with the server of the proxy payment institution is operated. The payment server 303 selects a payment mode depending on the mode selection from the affiliated terminal, including a real-time proxy payment mode and a temporary transaction payment mode.

In addition, the plurality of affiliated terminals 313-317 are terminals owned by mutually spaced affiliated stores, and real-time communication with the payment server 303 is performed.

In the real-time proxy payment mode of the payment server 303, as described above with reference to Figure 1, through the affiliated terminal 313 held by the first merchant, the place of purchase of goods through the real-time proxy payment mode key signal payment server Send to 303. The payment server 303 is switched to the real-time proxy payment mode, and waits for communication reception from the affiliated terminal of a specific place.

When the payment request signal of the payer is input from the affiliate terminal 317 held by the second affiliate store, the payment server 303 detects this and receives the affiliate store information of the second affiliate store based on the affiliate information database 307. Perform merchant checks. Thereafter, the payment details information of the payer (first merchant number, item details, payment amount, etc.) and the buyer's personal information are received from the second merchant. The received information is stored in a predetermined memory, and the payment history information and the personal information of the buyer are transmitted to the first affiliate store 313, and the purchase and payment confirmation information from the first affiliate store 313 is received.

That is, when the buyer's personal information and the item purchase history information are the same as the information received from the second affiliated store 317, the first affiliated store 313 transmits the confirmation completion information to the payment server 303. The transaction between the first merchant 313 and the buyer, the second merchant 317 and the payer is approved, and the approval result is transmitted to the first affiliate 313 and the second affiliate 317, respectively. The transaction details and the approval result information are stored in the payment information database 309 for a period of time to generate a transaction record.

Of course, when the payment method of the payer is a credit card or debit card (cash card), the payment server 303 is linked with a credit card payment system or a debit card (cash card) in conjunction with a card company server or a financial server 305 of a financial institution. Payment is made through the payment system.

On the other hand, if the buyer and the payer is the same, that is, the temporary transaction payment mode is the same as the procedure described above that the buyer purchases the goods at the first merchant and the buyer performs the payment through the affiliate terminal 317 of the second merchant same.

Cards, debit cards, or cash cards (including cash) used in the present invention are currently used as a commonly used cash transaction means, and can be traded by means of third-party cash means as needed or according to the times. . In short, electronic money may be utilized, including IC cards for cash substitution, telecommunications financial transactions via iris recognition, and payment systems using the Internet.

As described above, in the alternative payment system according to the present invention, the buyer pays the purchase details and buyer information of the buyer in order for the buyer to purchase the goods at a particular merchant, and the proxy payment is made from the payer at another merchant. After the payment is made to the specific merchant through the merchant, the payment approval is made, so that the purchaser and the buyer can purchase the goods (commodity) and provide the service even if they do not own money or have a card smile. Therefore, the efficiency of the purchase of goods and the inconvenience of the user's use of funds are obtained to increase the vitalization of the economy.

What has been described above is only one embodiment for implementing a surrogate payment system according to the present invention, and the present invention is not limited to the above-described embodiment, and as claimed in the following claims, the gist of the present invention Without departing from the scope of the present invention, any person having ordinary skill in the art will have the technical spirit of the present invention to the extent that various modifications can be made.

Claims (6)

communications network; An affiliated terminal provided in each of a plurality of affiliated stores; And Substitute payment application information for proxy payment application is input from one affiliate terminal according to a buyer's request, the buyer's personal information and purchaser's purchase purchase information are received from the other affiliate terminal, and the buyer's personal information is input to the affiliate terminal. And provide purchase purchase information of the purchaser, receive payment payment approval information from the payment affiliate payment terminal based on the information provided to the payment affiliate payment terminal, and respond to the payment payment approval information to the one side. And a payment server for providing proxy payment approval information to each of the affiliated terminals and the other affiliated terminals. The proxy payment system of claim 1, wherein the payment server is linked with a financial server of a credit card company for payment of a credit card when the payment is made by a credit card. The proxy payment system of claim 1, wherein the payment server is linked with a financial server of a financial company for payment of a debit card when the payment is made by a debit card. The proxy payment system according to any one of claims 1 to 3, wherein the payer payment is a payment means using electronic money. The proxy payment system according to claim 1, wherein the item purchase history information includes proxy payment fee information according to the use of the other affiliate terminal. According to claim 1, wherein the buyer personal information includes a buyer name, buyer social security number information up to a certain number of digits, the purchase item purchase history information is the purchase item name, the price of the purchased item, the purchase time, the place of purchase and the purchase of goods Agent billing system, characterized in that it comprises the registered merchant number information.