KR20040110047A - System and method for settling purchase card offering loan service in real-time on network - Google Patents

Abstract

PURPOSE: A system and a method for settling a purchase card offering a loan service in real-time on the network are provided to enable a card user to receive diverse card services through a single contract procedure with a financial company by enabling the card user to use a frequent repayment loan contracted with a financial company in real-time at a member shop, and to perform payment process at real time in the member shop and the financial company. CONSTITUTION: A member shop terminal(10) is equipped with a reader, and inputs/outputs information through a communication module. A card company server(20) provides settlement approval information to the member shop by certifying a member/member shop, and providing card member information, transaction information, and member shop information to a relay server(30). The relay server provides approval request information to a financial company server(40), and informs the card company server and the card member of settlement approval information and account information. The financial company server judges of settlement by inquiring the account information of the card member, provides the settlement approval information and the account information to the relay server, arranges/stores the account of the card member in a database, and transfers settlement price to a member shop account.

Description

Purchase card payment system and method for providing loan financial services {omitted}

The present invention relates to a purchase card payment system and a method for providing a loan financial service, and in particular, a card user can use a real-time repayment loan promised between a financial company and a card user in real time through approval of a financial company when purchasing a product at a merchant. You can receive a variety of card financial services with a single agreement with a financial company.The card merchant can immediately receive the payment from the financial company, and the financial company can provide loan services based on the purchase of goods. So that a loan financial service is provided for the purchase card payment system.

In general, credit cards used to purchase items are paid in a lump sum or installment after a certain period of time from the date of purchase, so if the cardholder does not pay much attention, the balance of his or her bank account until the invoice is received from the card company It was hard to know in conjunction with the total amount of cards used.

For this reason, if the payment costs were temporarily not covered, the cardholder was forced to use the cash services provided by the card company despite the high financial costs.

Given the problems with credit cards, there are prepaid cards filled with a certain amount of money. However, prepaid cards are not only troublesome to be charged at any time, but also cannot be used if the card user cannot temporarily recharge. There was a problem.

Financial firms provide financial services by so-called negative accounts, which can be withdrawn from time to time even if the balance of the account is insufficient within a certain amount by a contract with the customer.However, it is cumbersome because they have to withdraw cash to purchase goods. There was a problem.

The inventors of the present invention have developed the present invention in view of the fact that it would be useful to both card users and financial companies to build a card payment system that can apply the financial services by the negative bank account provided by financial companies to purchase goods.

The technical problem to be achieved by the present invention is that the card user can use various repayment loans agreed between the financial company and the card user in real time through the approval of the financial company at the time of purchase of the merchandise at the merchant, so that the card user can use a variety of cards with only one contract procedure concluded with the financial company. You can get financial services, and card merchants can immediately receive payments from financial institutions, as well as financial institutions can provide loan services based on the purchase of goods. It is to provide a system.

Technical problem of the present invention, the merchant member payment approval request step of transmitting the card member information and the input transaction information of the card presented by the card member to the card company server through the merchant terminal with the merchant information; Controlling the card member information database when requesting the affiliated party for payment approval and transmitting the payment approval request information to the financial company server through the relay server if the payment method is a loan financial service; Calculating a payment request history from the customer account corresponding to the card member information and providing the result to the affiliated store terminal via the relay server and the card company server; And notifying the card member of the approval result and the account information from the financial company server by the selected method. Transferring the amount of payment from the financial institution server to the merchant account, broker account, card company account; is achieved by the purchase card payment method and system provided with the loan financial services.

1 is a schematic view showing a payment system of the present invention

2 is a block diagram showing a payment system of the present invention

3 is a flow chart for explaining the payment method of the present invention.

4 is a flowchart for explaining another embodiment of the present invention.

<Description of the code | symbol about the principal part of drawing>

10: merchant terminal 20: card company server

21: Member Information Database 22: Merchant Information Database

23: transaction information database 30: relay server

31: relay approval control module 32: card member notification module

40: financial company server 41: admission control module

42: operation control module

Preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a conceptual diagram showing a payment system of the present invention, Figure 2 is a block diagram showing a payment system of the present invention, which is equipped with a reader as shown, card member information, transaction information, account information and authentication information is communicated Merchant store terminal 10 input and output through the module; After analyzing the data provided from the affiliated store terminal 10 and controlling the database according to the analyzed result, after passing through the membership and merchant authentication procedures, the card approval information and transaction information and the affiliated store information are provided to the relay server to provide the payment approval information. Card company server 20 to provide to the merchant; Provide payment approval request information from the card company server 20 to the financial company server 40, and the payment approval information and account information according to the payment approval for the card company server 20 as well as a mailing service or a mobile phone text message A relay server 30 which notifies the card member by the selected method of the service; After determining whether the payment is possible by inquiring the account information of the card member according to the card member information provided from the relay server 30, the payment approval information and the account information according to the payment approval are provided to the relay server 30, and the card member The present invention relates to a purchase card payment system provided with a loan financial service including a financial company server 40 which stores the accounts in the database and stores the data in the database and transfers the payment amount to the merchant account by the merchant information provided from the relay server 30. .

The merchant terminal 10 is currently being used by the merchant, and the card member reads the card presented by the reader to the card company server 20 by providing the card member information and merchant information request for approval.

The card company server 20 controls the member information database 21 and the merchant information database 22 with respect to the payment approval request from the affiliated store terminal 10 and goes through a member authentication procedure. The payment approval request is made to the financial company server 40 via the relay company server 30.

If the loan is not a financial service transaction, and controls the own transaction database 23 as in the prior art notifies the merchant terminal 10 whether the payment approval.

The relay approval control module 31 of the relay server 30 provides the payment approval request information from the affiliated store terminal 10 to the financial company server 40, and provides the payment approval information to the card company server 20. And, the card member notification module 32 serves to notify the approval and account information by the method selected by the card member at the time of registration, at this time, the relay server 30 notifies the card company server 20 only the approval of the payment. The cardholder will be notified of the approval and account information.

The admission control module 41 of the financial company server 40 retrieves the account information using the card member information, determines whether the payment is approved using its own transaction information database, and organizes the account information according to the transaction details. .

In this case, if the balance is insufficient, including the loan amount in the cardholder's account, payment suspension information due to the payment approval limit is transmitted.

In addition, the operation control module 42 of the financial company server 40 transfers the settlement amount to the merchant account. When there is a fee contracted between the card company, the broker and the merchant, a fee is also applied to the registered card company account and the broker account. Transfer

All data between the merchant terminal 10, the card company server 20, the relay company server 30, the financial company server 40 is preferably transmitted in an encrypted state.

Purchasing card payment system of the present invention as described above, in the case of a loan financial service transaction to the card company server 20 side while using the network between the conventional card company and the affiliated store as it is possible to check whether the transaction approval is connected to the relay server 30 Only additional modules are provided, and the financial company server 40 is constructed by additionally providing only a module for transferring to the corresponding merchant account after a general account withdrawal transaction process for the payment approval request provided by the relay server 30. Because it can be a card system and financial companies, it is a system that can be implemented with a minimum investment.

In the purchase card payment system of the present invention, the relay company server 30 and the relay approval control module 31 serving as a gate for simply connecting the card company server 20 and the financial company server 40 as shown in FIG. The card member notification module 32 is provided to notify the member of the account information provided from the financial institution server 40 so that the member can know his / her account balance according to the transaction in real time.

In this way, the purchase card payment method of the present invention as shown in FIG. 3, the card company server 20 through the merchant terminal 10 together with the merchant information on the card member information and the input transaction information of the card presented by the card member. Merchant side payment approval request step to transmit to (S10); Controlling the card member information database when requesting the merchant side approval request and if the payment method is a loan financial service, transmitting the payment approval request information to the financial company server 40 through the relay server 30 (S20). ); Calculating payment request details from the customer account corresponding to the card member information and providing the result to the affiliated store terminal 10 through the relay server 30 and the card company server 20 (S30); And notifying the card member of the approval result and the account information from the financial company server 40 by the selected method (S40). Transferring the amount of money paid by the financial company server 40 to the merchant account, broker account, card company account (S50); consists of.

When the approval of the financial company server 40 is made through these steps, the card member can know his / her account information in real time, and the merchant can immediately receive the payment to the merchant account without making a separate claim. do.

In addition, the card company or relay also has the advantage that you can receive the commission in real time without going through a separate billing and payment process through the mail or mail to the card member.

Financing firms can get contract loan financing costs as they would in normal account banking transactions (minus passbooks), and for cardholders, there is no disruption to the purchase of goods, even if there is a temporary shortage of cash or account balance. It is expected to be able to properly control overconsumption due to the difference between the purchase date and the actual settlement date.

4 is another embodiment of the present invention, which means that the card approval of the payment information provided from the financial company server 40 to the card company server 20 to the card company server only when the card member notifies the payment confirmation to the relay company server 30. It will be sent. (Payment confirmation notification step: S60)

In this case, the card company server 20 and the financial company server 40 determine that the approval is canceled if the customer confirmation information is not provided even after a predetermined time elapses after the payment approval request or the payment approval notification.

The card company server 20 first transmits the scheduled cancellation information to the affiliated store terminal 40, and if there is no response within a predetermined time, provides the payment cancellation information to the financial company server 40 via the relay company server 30, the financial company server ( 40) re-transfers the transfer amount of the merchant account to the card member account and stores the payment cancellation details accordingly in the database.

In another embodiment of the present invention that requires the card member confirmation, the financial company server 40 may allow the transfer to the merchant account after the customer confirmation information is provided from the relay server 30.

The financial company server 40 determines only whether the payment is approved by the payment approval request initially provided by the relay company server 30, and is provided in the state in which the relay company server 30 receives the confirmation after notifying the card member of the details. If there is no customer confirmation information, it will be determined that the payment is cancelled.

In this case, the repeater server 30 transmits the cancellation schedule information to the card company server 20 primarily, and if there is no response within a predetermined time, provides the payment cancellation information to the financial company server 40, and the financial company server 40 accordingly Save the cancelation details in the database.

Such a card member's payment confirmation notification step (S60) not only serves as a safety device to prevent the normal payment is made when another person uses the card when the card is lost, and the card member receives his account information and has crossed the appropriate line. If you decide, you can cancel the request for approval so that you can make the right decision.

In the present invention, the payment is made in real time in all merchants, card companies, and relay companies, so there is no need for a separate billing and settlement process according to the invoice, and the overall cost is reduced, and the card member notifies the balance of the finance company and the loan contracted account in real time. The present invention relates to a payment method that can eliminate the excessive consumption of a credit card due to a difference between a purchase date and a payment date, and is a loan financial service transaction to a card company server 20 while using a network established between a card company and a merchant. Only the module connected with the relay server 30 to check the transaction approval is added, and the financial institution server 40 passes through the general account withdrawal transaction process for the payment approval request provided by the relay server 30 and then the corresponding merchant account. Can only be built with additional modules Inc. entrance in financial institutions is the invention that is effective that can be implemented at minimal cost.

In the above description, the present invention is limited to the embodiments, but the present invention is not limited thereto, and various modifications can be made without departing from the technical spirit of the present invention.

Claims (6)

An affiliated store terminal 10 having a reader and having card member information, transaction information, account information and authentication information input and output through a communication module; After analyzing the data provided from the affiliated store terminal 10 and controlling the database according to the analyzed result, after passing through the membership and merchant authentication procedures, the card approval information and transaction information and the affiliated store information are provided to the relay server to provide the payment approval information. Card company server 20 to provide to the merchant; Provide payment approval request information from the card company server 20 to the financial company server 40, and the payment approval information and account information according to the payment approval for the card company server 20 as well as a mailing service or a mobile phone text message A relay server 30 which notifies the card member by the selected method of the service; After determining whether the payment is possible by inquiring the account information of the card member according to the card member information provided from the relay server 30, the payment approval information and the account information according to the payment approval are provided to the relay server 30, and the card member Purchasing card payment system provided with a loan financial services consisting of a financial company server (40) to organize the accounts of the stores in the database and at the same time transfer the payment amount to the merchant account by the merchant information provided from the relay server (30). The purchase card payment system according to claim 1, wherein the relay server (30) notifies only card members of account information. The purchase card provided with a loan financial service according to claim 1, wherein the financial company server 40 transfers the fee to a registered credit card company and a relay account when there is a fee contracted between the credit card company, the relay company and the affiliated store. Payment system. Merchant store payment approval request step (S10) for transmitting the card member information and the input transaction information to the card company server 20 through the merchant terminal 10 with the merchant information; Controlling the card member information database when requesting the merchant side approval request and if the payment method is a loan financial service, transmitting the payment approval request information to the financial company server 40 through the relay server 30 (S20). ); Calculating payment request details from the customer account corresponding to the card member information and providing the result to the affiliated store terminal 10 through the relay server 30 and the card company server 20 (S30); And notifying the card member of the approval result and the account information from the financial company server 40 by the selected method (S40). Transferring the payment amount from the financial company server 40 to the merchant account, the broker account, the card company account (S50); the payment card payment method provided with a loan financial service. 5. The financial company server of claim 4, wherein the card member who has been informed of the account information and the authorization information from the relay server 30 makes a payment confirmation notification to the relay server 30 (S60). The payment card payment method provided by the loan financial service, characterized in that the step (S30) is made to be transmitted to the card company server (20). The method of claim 5, wherein the merchant account transfer step (S50) is provided so that a payment confirmation notification of a card member is made from the relay server (30).