KR20040037440A - Gainning model using card payment - Google Patents

Abstract

PURPOSE: A profit model using a card settlement method is provided to prevent delay of settlement between a card company and a membership store, and to reducing indirect commission by performing direct settlement. CONSTITUTION: The profit model system comprises a membership store terminal(205), a management server(203), a VAN store(201), and a card company(207). The VAN store(201) links white an operation company server(209). The operation company server(209) connects to a head membership store terminal(211). The head membership store stores an account(213). The operating company server(209) links with a financial server(215). The operating company server(209) provides deposit and withdraws information for deposit and withdrawal of the account. The membership stores have their own accounts(217) connected to the membership store terminal network(205).

Description

Revenue model using card payment method {GAINNING MODEL USING CARD PAYMENT}

The present invention relates to a card payment agent, and more particularly, to a revenue model using a card payment method for generating revenue through a proxy payment to shorten the payment time from the card company to the merchant according to the card use approval. .

In general, a van (VAN) has a large number of merchant card terminals, each merchant using each card terminal is provided through the bansa card member approval inquiry and approval number. When the approval notice is received from the card company, the ban company notifies the merchant and the merchant provides the card member with goods or services. And a corresponding document is issued.

1 is a block diagram showing a conventional card payment system. As shown, an affiliated store terminal network 105 to which a card company 107 and a plurality of affiliated store terminals are connected is configured. The merchant terminal network 105 is connected to the management server 103, the management server 103 receives the deposit and withdrawal information and merchant information from the van (VAN) company (101). The bansa 101 is interlocked with the card company 107 receives the approval information according to the use of the card.

The card member requests a card approval for the provision of goods or services to any one of the merchant terminals connected to the merchant terminal network 105. The card approval request information is provided to the management server 103 through the corresponding terminal of the merchant terminal network 105. The management server 103 notifies the bansa 101 of the card approval request information including the previously stored corresponding merchant information.

The bansa 101 provides the affiliated store information and the card approval request information to the card company 107. The card company 107 determines whether or not the corresponding merchant can be traded through an internal server, and determines whether the card member can use the card. The card company 107 generates a discrimination result and notifies the card information approval information based on the discrimination result.

The bansa 101 generates transaction history information and deposit and withdrawal information of the affiliated store according to the affiliated store information based on the approval information of the card use, and transmits the authorized information to the affiliated store terminal through the management server 103. The management server 103 provides predetermined merchant information for the publication of the slip together with the approval information.

The merchant provides the service or goods as a cardholder and issues the above slip. The slip is collected by the card company 107, and the card company 107 requests a payment from the card member based on the slip information. In addition, the card company 107 pays the payment amount to the merchant. At this time, the payment amount paid from the card company 107 is delayed by approximately one week, and the payment amount is remitted after a predetermined fee is reduced.

As a result, the merchants have a lower cash turnover rate, and some merchants to overcome this problem may have illegal cash recovery. In other words, the merchants are required to pay cash by charging the merchant fee for using the card, which in turn causes a problem of deteriorating the transparency of the social rotation.

The present invention was created to solve the above problems, and the object of the present invention is to prevent payment delay between the card company and the merchant, and to promote the rotation of the merchant's funds, and at the same time generate an indirect fee through direct payment to the merchant It is to provide a profit model using a card payment method to induce revenue generation.

Revenue model using a card payment method according to an aspect of the present invention for achieving the above object, In the payment system of the credit card through the Van (VAN), Representative merchants registered as a low industry type commission rate; And receiving the merchant information of the corresponding merchant, the card member's credit card information, the payment request information and the usage history information according to the use of the credit card received by the van, and converting the merchant information into the representative merchant information. It transmits to the card company server, receives the approval information corresponding to the payment request information from the card company server, notifies the relevant merchant through the van (VAN) based on the approval information, the fee rate of the merchant It is characterized by consisting of the operator server for paying the payment amount excluding the fee according to the merchant and the payment amount excluding the fee according to the business status of the representative merchant to the card company server.

1 is a block diagram showing a conventional card payment method.

2 is a block diagram showing a card payment method according to the present invention.

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

201: Van (VAN) 203: management server

205: merchant terminal network 207: card company

209: operator server 211: representative merchant terminal

213: representative merchant account 215: financial server

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

2 is a block diagram showing a card payment according to the present invention. It is composed of a merchant terminal network 205, a management server 203, a van (VAN) company 201, and a card company 207 to which a plurality of merchant terminal terminals are connected. The bansa 201 is linked with the operator server 209 that manages the system operation. The operator server 209 is connected to a terminal of a virtual representative affiliated store registered as a single item sale, that is, the representative affiliated terminal 211, and the representative affiliated store has a predetermined account 213. The operator server 209 is linked with the financial server 215, and provides the deposit and withdrawal information so that the payment amount to and from the account (213).

Each merchant that is connected to the merchant terminal network 205 has a respective account 217.

The cardholder purchases goods or services through any one of the affiliated stores connected to the affiliated store terminal network 205. At this time, the card member presents a credit card and the affiliated store transmits the credit card and the goods or services to be purchased, including the terminal information, to the management server 203 through the affiliated store terminal.

The management server 203 determines whether the merchant can be traded based on the terminal information, and receives the credit card information and the goods or service information when the merchant is available for trading. The management server 203 provides the authorization request information to the bansa 201 including the merchant information based on the terminal information, credit card information, and article (service) information.

Bansa 201 transmits the authorization request information including the credit card information and goods (service) information to the operator server 209. The operator server 209 transmits affiliate store information, credit card information, and transaction history information to the representative affiliated store terminal 211 based on the approval request information. Here, since the representative affiliated store terminal 211 is a virtual affiliate store, the operator server 209 holds unique affiliated store terminal information.

Therefore, the representative affiliated store terminal 211 virtually installed in the operator server 209 provides credit card information and transaction history information to the card company 207 including unique affiliated store terminal information. Here, the unique merchant terminal information includes a terminal unique number and operator information, and the operator information includes business status information of a representative affiliate store. In the present invention, it would be desirable to register the status of the representative merchant as a trading company such as agricultural products or fishery products with a low commission rate.

On the other hand, the card company 207 detects the usage history or service limit history of the credit card through the internal server based on the authorization request information. The card company 207 generates the approval information according to the detected result, and notifies the representative affiliated store terminal 211.

Authorization information notified to the representative merchant terminal 211 is detected by the operator server 209, the operator server 209 performs a payment request to the card company 207 through the representative merchant terminal 211. The operator server 209 provides the authorization information of the card company 207 received from the representative affiliated store terminal 211 to the corresponding terminal of the affiliated store terminal network 205 via the management server 203. Therefore, the terminal is issued a slip containing the credit card information, payment amount information and merchant information.

The operator server 209 is linked with the financial server 215 in order to transfer the payments from the merchant terminal to the account 217 of the merchant. The financial server 215 is a server held by the first financial sector, and transfers the payment to the merchant account 217 under the direction of the operator server 209.

The payment amount is based on the goods or services transaction details, a predetermined fee is settled from the operator server 209. The payment amount settled in this way will be remitted the same day or the next day.

The fee information is applied to the fixed rate for each item sold at the time of payment, 4.5-5% for entertainment, 1.5% for agricultural products, 2.6% for general taverns. Such rates are predetermined for each business type, and the affiliated store receives a payment amount for which a fee based on the rates is settled.

At this time, the card company 207 requests the payment for the card member based on the authorization information, and also performs a procedure for paying the payment to the representative affiliated store. The card company 207 pays the settlement payment to the representative affiliated store according to an internal procedure after a predetermined time elapses. Payment amount paid is the payment amount applied to the commission rate according to the type of business of the representative affiliated store.

Since the business status of the representative affiliated store is registered as a farm / aquatic product with a low commission rate, the payment price paid from the card company 207 is paid a payment rate to which the commission rate according to the farm / aquatic product business is applied. Payment of the payment is made to the account (213) of the representative merchant through the financial server 215, the operator server 209 transfers the payment to the payment account (217) of the merchant through the financial server (215). do.

For example, when the business status of the affiliated store is the pub, the operator server 209 will pay the payment price by applying the commission rate according to the merchant business status, the card company 207 is the representative affiliated store according to the business status The payment will be made at the commission rate. Accordingly, the operator server 209 obtains a differential fee through different fee rates of the affiliated business form and the representative affiliated business form.

As described above, the revenue model using the card payment method according to the present invention receives the authorization request information according to the use of the card received from the merchant terminal to the operator server through the bansa, the received authorization request information is low commission rate The card company is notified through the virtual merchant registered as a business status, and the authorization information provided from the card company to the virtual representative affiliated store is notified to the corresponding merchant terminal through bansa, so that the settlement fee and fee rate of the corresponding merchant with a high fee rate are low. Revenue can be generated through payments made by representative merchants.

What has been described above is only one embodiment for implementing a profit model using a card payment method according to the present invention, the present invention is not limited to the above-described embodiment, as claimed in the following claims Without departing from the gist of the invention, anyone of ordinary skill in the art to which the present invention will have the technical spirit of the present invention to the extent that various modifications can be made.

Claims (4)

In the credit card payment system through Van (VAN), Representative merchants registered as businesses with low commission rates by industry; And The merchant receives the affiliated store information of the affiliated store, the card member's credit card information, payment request information and usage history information using the credit card, and converts the merchant information into the representative affiliated store information. Transmits to the card company server, receives the approval information corresponding to the payment request information from the card company server, notifies the corresponding affiliated store through the van (VAN) based on the approval information, and to the fee rate of the corresponding affiliated store. Revenue using a card payment method, characterized in that the payment is made to the merchant affiliated to pay the payment amount excluding the commission according to the merchant, and the server for billing the payment amount excluding the fee according to the status of the representative merchant to the card company server Model. The profit model of claim 1, wherein the representative affiliated store is a virtual store. The profit model of claim 1, wherein the payment amount paid to the affiliated store is deposited on the same day or the next day to the payment account of the corresponding affiliated store. The profit model of claim 1, wherein the representative merchant is a business related to agricultural and marine products.