KR20040012089A - Exciting van - Google Patents

Abstract

PURPOSE: An exciting VAN(Value Added Network) is provided to lighten a burden of a member store with a discounted fee by making an offline company transmit data through an electronic settlement network. CONSTITUTION: The Exciting VAN makes a contract with various kinds of electronic payment companies including a credit card company, and connects to a gate between the electronic payment companies. If the buying information is inputted and approved from the company which is the subject of a payment tool paid by a buyer, the deposit information is transmitted to the Exciting VAN according to a predetermined fee operation, and the deposit money is transferred to an account of the member shop by charging the fee contracted between the Exciting VAN and the member shop.

Description

Exciting VAN {Exciting VAN}

Exciting VAN reduces the commission rate imposed on merchants because various electronic payment / credit approval methods currently available online can be used for payment in offline businesses and are also made based on the online 'electronic payment system'. It was designed to promote more transparent and advanced economic activities.

Since the configuration of the processing terminal is different from that of the conventional credit card van system, the technical field cannot be said to be the same, but it can be said that the technology is applied to the 'electronic payment system' for electronic commerce currently being operated.

First, it is a matter of fee rate contracts with the payment companies that are the subjects of each payment method. This is the beginning and the end of this Exciting VAN. The reason is that even credit card companies are clearly distinguishing online merchants from offline merchants, and payment systems through other electronic money have their marketability online. The most urgent task is to induce awareness and to develop a policy equivalent to that.

Second, this Exciting VAN is the production of dedicated terminals. The usage may be the same as the existing credit card terminal, but the controlling system should be a terminal capable of integrating some functions like a small internet PC.

[Figure 1]

As a structural diagram, it means the process of operating Exciting VAN. As can be seen from this structure diagram, a buyer purchases goods and services of a merchant at a 'credit card merchant', and uses a terminal to make a purchase. The data is then sent to an Exciting VAN dedicated server, which is sent to the electronic payment network of the credit card company or electronic payment company that provides the means of purchase. (Of course, this part should be based on mutual agreement between the companies and Exciting VAN in advance, and this part will not be difficult because it does not make a big difference from the PG contract that many existing electronic payment companies have.) Then, the electronic payment company transmits the data about the approval result to the Exciting VAN server, and the result is printed on the terminal to the terminal installed at the merchant and delivered to the buyer and the merchant.

Interpreting this part, buyers can purchase credit (non-cash) purchases as they are currently done offline, and the procedural process goes through the process of 'online electronic payment system'.

The procedure for depositing this partial amount and the fee is shown in [Figure 2].

[Figure 2]

As can be seen from the structure diagram, when a seller requests payment to a payer in cash, the seller must provide the payer with a certain amount of the sales amount. Generally, the handling fee charged by credit card companies to merchants making payments using credit card terminals is 2.7% to 4.5% of the sales amount. This varies according to the statutory classification, and it is usual to charge 3.6% to 4.5% fmf on average. On the other hand, the fees settled between the companies that accept credit cards using the 'electronic payment system' (representative affiliated stores) are 2.5% to 3% of the sales amount, and in most cases, this is called e-commerce. I use it as a standard. In the process, PG contractors use their own servers to open the gates to their subordinate merchants, with a 1% commission between them. If so, then online merchants (shopping malls, etc.) where transactions are actually made will charge about 3.5% to 4.0% of fees.

However, it is clear that online payment systems are much cheaper in terms of fees than payments or transfers made offline.

Exciting VAN will be able to reduce the burden on merchants with much lower fees and expect more convenient use because data is transmitted through the electronic payment network in offline operating businesses.

Looking at the structure, first of all, they make their own contracts with companies that make various electronic payments, including Exciting VAN and credit card companies, and then connect Exciting VAN server and the gage between them. In regard to this part, the affiliate commission rate is determined according to its own cooperation, and operation information of each payment means is installed in the Exciting VAN server according to the rate so that calculation can be performed. Thus, when the purchase information is entered and approved in the company that is the subject of the payment method paid by the buyer, the deposit information is transferred to the Exciting VAN according to the prescribed fee calculation, and finally, the commission rate imposed by the Exciting VAN and each merchant is imposed. Will be transferred to your account. According to the credit card companies, the fees charged to merchants, including the fees between Exciting VAN and credit card companies, are estimated to be 2.7% to 4.0%.

The composition of this Exciting VAN can be divided into seven types.

1. Representative Merchant Agreement between Exciting VAN and Payment Payment Company (including credit card companies)-It cannot be established by existing PG contract.

2. Exciting VAN dedicated server (operator management)

3. Exciting VAN dedicated terminal (membership payment)

4. Exciting VAN Backup Server

5. Each payer approval gate information-included in the agreement.

6. Buyer / Merchant

7. Internet Line

In general, most merchants now run their businesses without even knowing their credit card fees, or they want to do business based on cash rather than buying credit. Why?

But what is the will of our buyers? It is natural that people who have access to information and live wet 24 hours a day will have a lot of desires for a more convenient life. Doing.

The same applies to the purchase / use of services. Means that can replace a lot of cash born through various media or the Internet ... However, the lack of facilities and systems so far, it turns into a far distant story and worse than a piece of paper if it does not exist in the pocket. For example, a person with 10 million won of cyber money is rich on the Internet, but there is nothing he can do out of it. Why is that? This is because there is no medium for payment of the means, and it is a result of the level of consciousness of merchants.

Exciting VAN is the only system that will make a world where people with 10 million won in cyber can live that much in reality. Online payment methods such as credit card, real time account transfer, mobile payment, prepaid card payment, cyber money payment, etc. can all be made offline, which will lead to more diversified economic activities and consumption diversity. We can be confident and expect a change in the perceptions of consumers and merchants.

In addition, Exciting VAN can reduce the cost of facilities through the alliance with internet line service companies to apply to terminals, making it easier and easier for merchants to connect to the Internet.

Claims (3)

Claimed a patent for an Exciting VAN terminal that transmits Internet-encoded data using an internet line and enables various online cyber electronic payment systems to be implemented at offline merchants. Exciting enables complex processing of data read offline according to [Claim 1] and performs on-line / offline payment service by performing calculation and opening the path of information between the terminal and the gate of each payment provider. Patent application for VAN server system. In accordance with [Claim 2], a patent application is filed for an Exciting VAN operating system that integrates the payment system that is implemented offline and the payment system that is implemented online to expect free economic life without on / off distinction.