KR20040063047A - A loan and repayment method using a credit cards member shops and storage medium thereof - Google Patents

Abstract

PURPOSE: A method for giving/repaying a loan using a credit card member shop, and a recording medium thereof are provided to realize the settlement of a credit card and the instant prepayment of a settlement price, and make the member shop receive/repay the loan conveniently. CONSTITUTION: The loan request data is transmitted to a VAN(Value Added Network) company through a terminal of the member shop(1). The loan approval data of the VAN company is transmitted to a prepayment computer through a relay company(3). The approval data of the prepayment company is transmitted to the member shop through the relay company and the VAN company(6). The prepayment company remits the loan amount to a bank account fixed by the member shop(7).

Description

Loan and repayment method using a credit card member shop and storage medium

The present invention relates to a loan and repayment method using a credit card merchant and a recording medium thereof, and more particularly to a credit card merchant that enables immediate prepayment of credit card charges and daily repayment of loans and loans through a credit card merchant. It relates to a loan and repayment method used and a recording medium thereof.

In a conventional payment system using a credit card, it usually took 3 to 7 days (this period may vary greatly depending on the card company) until the payment is made to the account of the merchant after the payment of the credit card. In order to eliminate such damages, a system for remittance of payments upon credit card approval has been developed and used.

1 is a configuration diagram illustrating a process of processing an immediate payment of a credit card payment system and a credit card payment amount in the related art. As shown in FIG. 1, the conventional system is largely comprised of a consumer 100, an affiliated store 200, a van (Value Added Network, VAN) company 300, a relay company 400, a prepaid company 500, a card company ( 600).

The consumer 100 refers to a subject of consumption in possession of a credit card, and may be represented by a natural person, a corporation, or a group.

Merchants 200 are representative stores, companies, hospitals, etc. that provide goods and services, each merchant 200 is provided with a credit card terminal.

Bansa 300 is a company in which the data of a number of card merchants 200 distributed throughout the country is concentrated, and is responsible for data communication with the terminal, as well as the installation, release, management, exchange, etc. of the terminal.

The relay company 400 is an object of being a service subject of a conventional prepaid system. The prepayment company 500 is a financial company that immediately prepays credit card charges to a designated account at the request of the relay company 400. The card company 600 is a ticketing entity of the card, and various banks and card companies are representative.

Hereinafter, a detailed description will be given of a conventional credit card payment system having such a configuration and a process in which an immediate payment of a credit card payment amount is processed.

First, the consumer 100 presents the credit card to the affiliate store 200 to make a payment (step ①). Then, the credit card data and payment amount data is transmitted from the merchant 200 to the card company 600 via the bansa 300 to request the payment approval (step ②, ③ step).

The authorization data of the card company 600 is again transmitted to the affiliated store 200 via the bansa 300 (step ④, step ⑤), and finally the approval is dropped on the consumer 100 (step ⑥).

Thereafter, the bansa 300 transmits the approval information to the relay company 400 (step ⑦), and the relay company 400 requests the prepayment to the prepaid company 500 again (step ⑧). Alternatively, the approval information may be simultaneously transmitted to the relay company 400 and the prepayment company 500. The prepayment company 500 receiving such a request immediately prepays the card price to the designated financial account of the affiliated store 200 at the moment or the same day (step ⑨).

After that, after 3 to 7 days, the card company 600 transfers the card payment to the designated account of the prepayment company 500 and transfers it (step ⑩).

During this process, the card company 600 deducts a predetermined card fee from the card price and leaves it as its profit, and the prepaid company 500 deducts its fee (for example, 0.3%) from the deducted card price again. After that, the transfer to the merchant (200). In addition, the prepayment company 500 will distribute some of its profits to the relay company 400.

In such a conventional credit card payment system and the instant payment system of the credit card payment amount has the advantage that the merchant can immediately receive the payment without having to wait for the card price for 3 to 7 days.

However, such a conventional system has a disadvantage in that the field of application is extremely limited because it is processed only when purchasing a product or receiving a service. In particular, there were evaluations that it was cumbersome and uneconomical because loaners had to use a completely different system from the lender's point of view.

Therefore, the present invention has been made to solve the above problems, the first object of the present invention is not only possible to immediately settle the payment and payment of credit cards, merchants are easily borrowed loans, repayment It is to provide a loan and repayment method and a recording medium using a credit card merchant that can be convenient.

The second object of the present invention, because the loan is repaid from a part of the card price that occurs every day in the merchant, the loan and repayment method using a credit card merchant that can gradually pay off the loan from the perspective of the loaned merchant And a recording medium thereof.

It is a third object of the present invention to provide a loan and repayment method using a credit card merchant and a recording medium thereof, which can operate a loan system in parallel with a conventional credit card payment system without additional hardware configuration or addition.

The object of the present invention as described above, (1-1) transmitting the loan application data of a predetermined amount to the bansa 300 through the terminal of the credit card merchant (200); (1-2) transmitting the loan approval request data of the bansa 300 to the prepayment company 500 via the relay company 400; (1-3) the approval data of the prepayment company 500 is transmitted to the affiliated store 200 via the relay company 400 and the bansa 300; And (1-4) the prepayment company 500 transferring the loan amount to a predetermined financial account of the affiliate store 200; And

(2-1) when there is a credit card payment from the consumer 100, the payment approval request data of the affiliated store 200 is transmitted to the bansa 300 and the corresponding card company 600; (2-2) transmitting the authorization data of the card company 600 to the bansa 300 and the affiliated store 200; (2-3) the approval related data including the approval data is transmitted to the prepayment company 500 via the relay company 400 to request or simultaneously request the prepayment; (2-4) The prepayment company 500 calculates the loan payment amount from the loan amount, and subtracts the loan payment amount from the credit card prepayment amount in the first transaction with the affiliated store 200 on the day and returns to the financial account. Transferring; And (2-5) the card company 600 transferring the credit card price to the predetermined financial account of the prepayment company 500. The advance payment step comprises a prepayment step. And by the repayment method.

And, the step (2-4), if there is no credit card transaction on the day, calculating the cumulative loan day payment by two days of the loan day payment of the day; And if there is no transaction of the credit card for several days, then subtracting the cumulative loan day payment from the prepayment amount of the first transaction of the first credit card transaction date.

In addition, the bansa 300 is more preferably capable of selectively transmitting data to a plurality of merchants 200 and a plurality of card companies 600.

In addition, the relay company 400 is most preferably capable of selectively transmitting data with a plurality of bansa 300 and a plurality of prepaid companies (500).

In addition, the prepayment by the prepayment company 500 may be processed before the card payment by the card company 600, the prepayment by the prepayment company 500 in the step (2-4) Most preferably, the merchant 200 is processed at least a plurality of times daily.

The object of the present invention as described above, the program code that is executable by a computer, to transmit the loan application data of a predetermined amount to the bansa 300 through the terminal of the credit card merchant (200); A program code for causing the loan approval request data of the bansa 300 to be transmitted to the prepaid settlement company 500 via the relay company 400; Program code for transmitting the approval data of the prepayment company 500 to the affiliated store 200 via the relay company 400 and the bansa 300; A program code for allowing the prepayment company 500 to transfer the loan amount to a predetermined financial account of the affiliate store 200; When there is a credit card payment from the consumer (100), the program authorization code for the payment authorization request data of the affiliated store 200 is transmitted to the bansa 300, the card company 600; Program code for transmitting the authorization data of the card company 600 to the bansa 300, Merchant 200; Program code for allowing approval-related data including the approval data to be transmitted or simultaneously transmitted to the prepayment company 500 via the relay company 400; The prepayment company 500 calculates a loan daily payment from the loan amount, and subtracts the loan payment amount from the credit card prepayment amount in the first transaction with the affiliated store 200 on the day and transfers it to the financial account. ; Program code for causing the card company 600 to transfer the credit card payment to a predetermined financial account of the prepaid company 500; A program code for making a cumulative loan day benefit by transferring the loan day payment of the day if there is no credit card transaction on the day; And program code for subtracting the cumulative advance loan amount from the prepayment amount of the first transaction of the first credit card transaction date if there is no transaction of the credit card for several days. Prepayment by the prepayment company 500 may be achieved by a recording medium consisting of a program code for processing the merchant 200 at least a plurality of times per day.

Other objects, specific advantages and novel features of the present invention will become more apparent from the following detailed description and the preferred embodiments associated with the accompanying drawings.

1 is a configuration diagram illustrating a process of processing an immediate payment of a conventional credit card payment system and a credit card payment amount;

2 is a configuration diagram illustrating a process that is processed when a merchant 200 applies for a loan in a loan and repayment method using a credit card merchant according to the present invention;

FIG. 3 is a configuration diagram illustrating a combination of an immediate payment process of a credit card payment amount and a daily repayment process of a loan payment in a loan and repayment method using a credit card affiliated store according to the present invention;

4 is a flowchart illustrating a process of determining whether or not to reduce the loan daily payment by determining whether the prepayment company 500 is the first transaction on the day in the loan and repayment method using the credit card affiliated store according to the present invention;

5 is a flowchart illustrating a process of accumulating two-day loans for two days when there is no transaction on the same day in the loan and repayment method using a credit card affiliated store according to the present invention.

<Short Description of Main Reference Signs>

100: the consumer or consumer's credit card,

200: merchant or merchant terminal,

300: Bansa server device,

400: server device of the relay company,

500: server device of the prepaid company,

600: server device of the card company.

Hereinafter, with reference to the accompanying drawings will be described in detail with respect to the loan and repayment method using a credit card merchant and the recording medium thereof.

In the present invention, the consumer 100 is specifically a consumer's credit card, merchant 200 is a merchant terminal, bansa 300 is Bansa server device, relay company 400 is a relay server server, prepaid company 500 ) Denotes a server device of a prepaid company, and a card company 600 refers to a server device of a card company, which will be briefly described below.

2 is a block diagram illustrating a process that is processed when a merchant 200 applies for a loan in a loan and a repayment method using a credit card merchant according to the present invention. As shown in Figure 2, the loan application through the own terminal of the merchant 200 (① step). To this end, each affiliated store owner may use a separate card or use a specific function key in the terminal. For example, the franchisee presses a function key (not shown), presses a loan (eg, 5 million won), and presses an approval button.

Such data generated in the terminal of the affiliated store 200 is transmitted to the bansa 300, the bansa 300 to request the approval of the loan to the relay company 400 (step ②). Then, the relay company 400 transmits the received approval request data back to the prepaid company 500 to request the approval (step ③).

If the approval is dropped in the prepayment company 500 (step ④), it is transmitted to the affiliated store 200 via the relay company 400 and the bansa 300 (step ⑤, step ⑥).

Next, the prepayment company 500 transfers the loan (for example, 5 million won) to the account of the financial company previously designated by the affiliate store 200. Through this process, loan application and payment are completed.

FIG. 3 is a block diagram illustrating a combination of an immediate payment process of a credit card payment amount and a daily repayment process of a loan daily payment in a loan and repayment method using a credit card affiliated store according to the present invention.

As shown in Figure 3, the system of the present invention is largely consumer (100), merchant (200), van (Value Added Network, VAN) company 300, relay company (400), prepaid company (500), card company It consists of 600. Since the configuration of each subject or server computer shown in FIG. 3 is similar to that shown in FIG. 1, a description thereof will be omitted.

First, the consumer 100 presents the credit card to the affiliated store 200 to make a payment (step ①). Then, the credit card data and payment amount data is transmitted from the merchant 200 to the card company 600 via the bansa 300 to request the payment approval (step ②, ③ step).

The authorization data of the card company 600 is again transmitted to the affiliated store 200 via the bansa 300 (step ④, step ⑤), and finally the approval is dropped on the consumer 100 (step ⑥).

Thereafter, the bansa 300 transmits the approval information to the relay company 400 (step ⑦), and the relay company 400 requests the prepayment to the prepaid company 500 again (step ⑧). Alternatively, the approval information is simultaneously transmitted to the relay company 400 and the prepayment company 500. The prepayment company 500 having received such a request determines whether the affiliated merchant has a loan, and if the affiliated store has a loan, calculates the loan lump sum. These loan payments are made daily, including the principal and interest for three months, based on the loan amount (for example, KRW 5 million), the loan period (for example, three months), and the loan interest rate (for example, 9%). It means the amount that needs to be repaid every day.

In this way, when the loan payment amount (for example, 60,700 won) is confirmed, the loan payment amount and credit card company fee from the payment amount (for example, 100,000 won) to be paid in the first transaction with the affiliated store 200 on the day, Make a prepayment fee and other remittance fees, and immediately prepay the remaining amount (100,000 won-60,700 won-3,600-700 won-300 won = 34,700 won) as the card payment amount (step ⑨). Therefore, the affiliated store 200 may immediately receive a 34,700 won payment for the card for the first transaction of the day. And for transactions after that day, the normal card price (for example, the amount of the card company's fee and the fee paid by the prepaid company) is transferred.

After three to seven days have elapsed from the date of such a transaction, the card company 600 subtracts the card company's fee (for example, 3,600 won) from the card price (100,000 won) and the remaining 96,400 won is the prepaid company 500 Remittance to the designated account of the bank (step ⑩). In other words, the merchant 200 is a fee of 3,600 won of the credit card company 600, 700 won of the prepayment company, 60,700 loans daily, 300 won transfer fee 300 won for the product price 100,000 won of the first transaction on the day Exclude you and receive a remittance of 34,700 won.

4 is a flowchart illustrating a process of determining whether or not to reduce the loan daily payment by determining whether the prepaid company 500 is the first transaction on the day in the loan and repayment method using the credit card affiliated store according to the present invention. As shown in FIG. 4, the prepayment company 500 determines whether the corresponding affiliate is an affiliated store having a loan daily payment (S10).

If the merchant has not received a loan, the usual prepayment process is performed immediately (S13). And, if the merchant has received a loan it is determined whether the corresponding card payment transaction is the first transaction of the day (S12).

As a result of the determination, if the first transaction of the day has already been processed, and the second and subsequent transactions, the normal prepayment process is performed (S13). However, in the case of the first transaction, the remittance is subtracted from the amount to be transferred from the loan day (S15). Through the above process, the prepayment company 500 performs a special process for the first transaction of the day.

However, if the credit card sales are not generated daily for the loan daily payments that occur every day, there is a limit that the loans cannot be repaid every day. In order to overcome this limitation, the present invention discloses and supplements the embodiment as shown in FIG. 5.

5 is a flowchart illustrating a process of accumulating two-day loans for two days when there is no transaction on the same day in the loan and repayment method using a credit card affiliated store according to the present invention. As shown in FIG. 5, the prepayment company 500 calculates a loan day payment to be paid every day for the affiliate store 200 (S30). These loan payments may vary from day to day depending on the repayment method, or may be repaid the same amount every day. In addition, the amount to be repaid every day may be calculated, or the pre-calculated result may be stored in a database or the like and retrieved only when necessary.

Next, the prepayment company 500 determines whether the same day transaction has occurred (S32). If the first transaction occurs, the process as shown in FIG.

However, if the card payment transaction did not occur all day, the loan day payment of the day is doubled and added to the loan day payment of the next day (S35). If the card settlement transaction does not occur for several days, the loan payments continue to accumulate every day. When the accumulated loan daily payment is more than the card payment generated in the first transaction thereafter, only the card payment is excluded from the accumulated loan daily payment, the result is notified, and no separate payment is made. Thereafter, if the remaining loan payments can be subtracted from the credit card generated in the second transaction, the balance is transferred to the credit card.

In other words, if the cumulative loan daily payment is excessively large through this method, the account transfer of the card price is not made until it is offset against all of the first, second, and third consecutive card payments.

As a very specific embodiment of the present invention, the card fee deducted from the card company 600 may be determined within the range of 0.5 to 5%, and the prepayment fee deducted from the prepaid company 500 may be determined within the range of 0.1 to 2%. Can be.

In addition, in a preferred embodiment, when arranging the account book of the merchant 200, the calculation of the transfer amount is displayed together so that the merchant owner can visually check how much of the money is transferred.

The system of the present invention can be implemented as a series of instructions that can be read and executed by a computer, which instructions can be recorded on a record carrier. Examples of such a recording medium include a hard disk, a RAM device, a ROM device, a compact disk, a DVD, a CD-ROM, a magneto-optical disk, a floppy disk, a digital tape, a memory stick, and the like.

According to the loan and repayment method using a credit card merchant and the recording medium according to the present invention as described above, not only the payment and settlement of credit cards can be immediately prepaid, but the merchant easily borrows the loan and repays the loan. It has the feature of being convenient.

In addition, since the loan is repaid from a part of the card price generated every day at the merchant, the loan can be gradually paid off from the position of the merchant.

In addition, there is an effect that the loan system can be operated in parallel with the conventional credit card payment system without additional hardware configuration or addition.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (7)

(1-1) transmitting a loan application data of a predetermined amount to the bansa 300 through a terminal of the credit card affiliate store 200; (1-2) transmitting the loan approval request data of the bansa 300 to the prepayment company 500 via the relay company 400; (1-3) the approval data of the prepayment company 500 is transmitted to the affiliated store 200 via the relay company 400 and the bansa 300; And (1-4) the prepayment company 500 transferring the loan amount to a predetermined financial account of the affiliate store 200; And (2-1) when there is a credit card payment from the consumer 100, the payment approval request data of the affiliated store 200 is transmitted to the bansa 300 and the corresponding card company 600; (2-2) transmitting the authorization data of the card company 600 to the bansa 300 and the affiliated store 200; (2-3) the approval related data including the approval data is transmitted to the prepayment company 500 via the relay company 400 or simultaneously transmitted to the relay company 400 and the prepayment company 500 to request the prepayment. ; (2-4) The prepayment company 500 calculates the loan daily payment from the loan amount, and subtracts the loan payments and commissions from the credit card prepayment amount in the first transaction with the affiliated store 200 on the day and the financial account. Transferring to; And And (2-5) the credit card company 600 transferring the credit card price to the predetermined financial account of the prepaid company 500; and a loan using a credit card affiliated store, comprising a prepaid step. Repayment method. The method of claim 1, wherein step (2-4) If there is no credit card transaction on the day, calculating the cumulative loan day payment by two days of the loan day payment of the day; And If there is no transaction of the credit card for several days, thereafter further comprising the step of subtracting the cumulative advance loan amount from the prepayment amount of the first transaction of the first credit card transaction date. The method of claim 1, wherein the bansa (300) is a loan and repayment method using a credit card merchant, characterized in that it is possible to selectively transmit data to a plurality of merchants (200) and a plurality of card companies (600). The method of claim 1, wherein the relay company (400) is a loan and repayment method using a credit card merchant, characterized in that the data transfer selectively with a plurality of bansa (300) and a plurality of prepayment companies (500). The method of claim 1, wherein the prepayment by the prepayment company (500) is processed prior to the card payment by the card company (600). The method of claim 5, wherein the prepayment by the prepayment company 500 in the step (2-4) is processed at least a plurality of times per day for the merchant 200, the loan and repayment method using a credit card merchant. . Executable by computer, A program code for transmitting loan application data of a predetermined amount to the bansa 300 through a terminal of the credit card affiliate store 200; A program code for causing the loan approval request data of the bansa 300 to be transmitted to the prepaid settlement company 500 via the relay company 400; Program code for transmitting the approval data of the prepayment company 500 to the affiliated store 200 via the relay company 400 and the bansa 300; Program code for causing the prepayment company 500 to transfer the loan amount to a predetermined financial account of the affiliated shop 200; When there is a credit card payment from the consumer (100), the program authorization code for the payment authorization request data of the affiliated store 200 is transmitted to the bansa 300, the card company 600; Program code for transmitting the authorization data of the card company 600 to the bansa 300, Merchant 200; Program code for allowing approval-related data including the approval data to be transmitted or simultaneously transmitted to the prepayment company 500 via the relay company 400; The prepayment company 500 calculates the loan daily payment from the loan amount, and reduces the loan payment and commission from the credit card prepayment amount in the first transaction with the corresponding merchant 200 on the same day and transfers it to the financial account. code; Program code for causing the card company 600 to transfer the credit card payment to a predetermined financial account of the prepaid company 500; A program code for making a cumulative loan day benefit by transferring the loan day payment of the day if there is no credit card transaction on the day; And Program code for subtracting the cumulative loan day payment from a prepayment amount of the first transaction of the first credit card transaction date thereafter if there is no transaction of the credit card for several days; The prepayment by the prepayment company (500); the program code to be processed at least a plurality of times per day for the merchant (200).