KR20050026221A - Method for spot payment manageable risk of authorized agent - Google Patents

Abstract

A method for instant settlement to manage risk of a member shop without passing a VAN(Value Added Network) company is provided to enhance reliability of the member shop by receiving information for the member shop from a card company and make an instant settlement company perform the instant settlement for the member shop when credit card approval is generated from the card company. In case that a member shop terminal(107) receiving settlement approval from a card company server(102) is registered as an instant settlement service member shop, an approval result of the member shop terminal is transmitted to the instant settlement company server(110). The instant settlement company server receiving approval result data from the card company server requests a cooperated financial institution server(120) to transfer money to a bank account of the member shop. The cooperated financial institution server transfers the money to the bank account of a cooperated bank server(109).

Description

Merchant risk management Instant payment method {Method for spot payment manageable risk of authorized agent}

The present invention relates to an instant payment system, and more specifically, to increase the reliability of the merchant by receiving information about the merchant from the card company, and to receive data directly from the card company without going through a van (VAN) to shorten the data processing time And it is related to the merchant payment risk management immediate payment method to eliminate the inconvenience of having to collect cash because the payment is canceled in the following cases when canceled payment.

Generally, customers register as a member of a specific credit card company and receive a credit card, and a seller or service provider registers as a member of a specific credit card company, and when a customer purchases or provides a service through a registered merchant, Payment will be made using the credit card issued for the service.

In order to make a payment with a credit card, the merchant requests the credit card company to approve the use of the credit card settled through a dedicated terminal device such as a card inquiry machine. When the transaction is approved by the credit card company, payment is made between the customer and the merchant, and the merchant receives the payment from the credit card company through the affiliated bank. Then, the credit card company bills the credit card member.

On the other hand, when a customer makes a payment using a credit card at a credit card merchant using a VAN (Value Added Network) network and the Internet, the authorization amount after the transaction is approved by the credit card company of the credit card is always added to the merchant account of the system operator. It suggests a service method to make an immediate deposit.

The credit card service method according to the prior art is disclosed in Korean Patent Registration No. 10-0377215 (Credit card service method that can be settled early by an affiliated financial institution).

1 is an overall block diagram of a credit card service system that can be settled early by an affiliated financial institution according to the prior art.

The operator computer 103 communicates with the card company computer 101, the affiliated bank computer 109 and the affiliated financial institution computer 105 via the 'X.25' protocol. The operator computer 103 is responsible for data processing between the two using the X.25 communication protocol to mediate the card company computer 101 and the affiliated financial institution computer 105. The operator computer 103 may be a service function added to a conventional VAN computer. The operator computer 103 is a bank computer. The affiliated financial institution is a financial institution affiliated with the service of the present invention, and may be a second financial institution or another first financial institution. The merchant terminal 107 for the card company is connected to the operator computer 103 via a communication network or the like.

The credit card service system that can be settled early by an affiliated financial institution in accordance with the prior art is that when the operator's computer makes a request for purchase on the card company's computer, the card company's computer pays the credit card sales for the affiliated bank according to the agreement between the affiliated bank and the affiliated financial institution. By remittance to the account set up in, it is possible to conveniently and easily collect the credit card sales paid in advance by the partner financial institution.

However, the credit card service method that can be settled early by the affiliated financial institution according to the prior art has a problem that the settlement (payment) failure due to immediate payment occurs. That is, because the payment data is transmitted in the total amount of each case, there was a problem that can not confirm the specific content prepaid by each case. In addition, there was a problem that the merchant risk occurs when the merchant receives the immediate payment service and requests cancellation.

The present invention is to solve the above-mentioned problems of the prior art, the purpose of which is to receive information about the merchant from the card company to increase the reliability of the merchant, and when the credit card authorization of the card company in the immediate payment to the merchant immediately It is to provide an immediate payment method that can manage merchant risk.

Another object of the present invention is a merchant risk management immediate payment method for limiting the cancellation according to a predetermined schedule for the cancellation request for approval of the merchant made payment through immediate payment, and to pay the deduction to the next case for the cancellation amount In providing.

Another object of the present invention is to transfer payment data (data that can be matched 1: 1) from the card company server to the payment company server for the payment amount made through instant payment to the payment company server, affiliated financial company It is to provide an immediate payment method that can manage merchant risks through normal payment.

In order to achieve the object of the present invention, the merchant risk management immediate payment process according to the present invention requests the approval to the card company server as the credit card authorization request is transmitted from the credit card merchant terminal to the van server through a communication network, and the response result is provided. In the credit card payment service method in which the corresponding credit card payment is made by transmitting to the affiliated terminal terminal through a van server, in the case where the affiliated terminal payment approved by the card company server is registered as an immediate payment service affiliated store, the approval result of the corresponding affiliated terminal terminal. The approval result transmission process of transmitting the result to the instant settlement server, and the immediate settlement server receiving the approval response result data transmitted from the card company server to the affiliated financial institution server to request remittance to the bank account of the affiliated store. Request process, i.e. received at the affiliated financial institution server Depending on the payment request included an immediate payment transfer process of withdrawal by the merchant bank of its affiliated bank server features that made.

Merchant risk management immediately possible payment process to achieve the other object of the present invention, the credit card authorization request is sent from the credit card merchant terminal to the van server through the communication network, the authorization request to the card company server, and the response result of the van server In the credit card payment service method in which the corresponding credit card payment is made by transmitting to the affiliated store terminal, the cancellation request is sent to the van server as a cancellation request is sent to the van server from the affiliated terminal. A cancellation request process sent to the server, an instant payment service judgment process for determining whether the card company server that receives the cancellation request is an immediate payment service registered merchant, and an immediate payment service if the merchant is an immediate payment service merchant Immediate billing agent cancellation request and transfer to server To immediately determine whether to cancel the authorization from the payment company server is suitable for the cancellation application result characterized in that made in the cancellation response including the process of transmitting to the merchant terminal via the credit card company server, and Van server.

Merchant risk management instant payment method for achieving the another object of the present invention is the authorization request to the card company server as the credit card authorization request is transmitted from the credit card merchant terminal to the van server through a communication network, and the response result of the van server In the instant payment service method after the transmission to the merchant terminal through the merchant immediately send the approval result to the instant payment server to proceed with the instant payment service method of the credit card, the purchase request request from the van server said A first step of responding to the purchase request from the card company server and transmitting the result of the purchase request response to the immediate payment company server as it is transmitted to the card company server, and paying to the affiliate financial company server for the normal purchase request amount from the card company server; A second step of requesting, from the affiliate financial company server to the card company server According to the payment request, the emitter including a third step transfer the purchase amount billed immediately captivated billing features that made.

The present invention made as described above will be described in detail with reference to the accompanying drawings.

2 is a block diagram of an immediate payment system capable of managing a merchant risk according to an exemplary embodiment of the present invention. The merchant terminal 107 reads credit card ID information according to a payment request for the purchase of goods or services of a credit card user, and requests an approval. ) And receiving the approval request through the VAN server 101 according to the approval request of the merchant terminal 107 and checking whether or not the use is appropriate, the degree of use and transmitting the approval to the merchant terminal 107 through the VAN server 101. The card company server 102 and the authorization result data received through the card company server 102 are requested to be remitted to the affiliated financial company server 120, and processed by the cancellation result data, and the cancellation process for the previous authorization is canceled. On behalf of the request to cancel the VAN server 101, limit the amount of possible cancellation per day, screen the merchant and respond to the purchase request to the bansa server 101 according to the result W consists of the immediate payment company server 110 to manage the merchant risk, affiliated bank sabeo 120 that the withdrawal request to the affiliate bank server 109 according to the transfer request of the immediate payment company server 110.

Here, the card company server 102 and the VAN server 101, the affiliated financial company server 120 and the affiliated bank server 109 are connected to the 'X.25' protocol network, and the VAN server 101 and the instant payment The private server 110, the instant payment server 110 and the affiliated financial company server 120 transmit data by accessing the TCP / IP protocol network or the X.25 protocol network.

The operation of the present invention configured as described above will be described in more detail with reference to FIGS. 2 to 5 as follows.

Figure 2 is a detailed flow chart of the approval request / response and immediate payment process in the merchant risk management immediate payment process possible according to an embodiment of the present invention.

As shown in the figure, when a customer wants to make a credit card payment for goods or services, the merchant terminal 07 reads the ID information recorded on the credit card at the corresponding credit card merchant and stores the authorization request information in the VAN server 101. To send.

The VAN server 101 requests authorization from the card company server 102 through the X.25 network.

The card company server 102 receiving the approval request receives an approval response to the affiliated store terminal 107 through the VAN server 101 according to the credit information of the customer corresponding to the transmitted credit card ID.

The immediate settlement company server 110 receives the approval result of the affiliated store terminal 107 from the card company server 102 and requests the affiliated financial company server 120 to transfer the payment to the affiliated merchant.

The affiliated financial company server 120 requests the withdrawal to the affiliated bank server 109 as the transfer request is received from the immediate settlement company server 110, and the affiliated bank server 109 transfers the payment amount to the deposit account of the affiliated store. Advance payment is made.

The affiliated bank server 109 transmits the result of the prepayment to the immediate settlement company server 110 through the affiliated financial company server 120.

In this way, the immediate payment is made through the affiliate financial company server 120 for the payment amount approved by the merchant terminal 107 by the immediate payment company server 110.

To this end, the instant settlement server 110 holds the corresponding deposit account information of the affiliated store, and transmits the deposit account information and the deposit amount of the affiliated store to the affiliated financial company server 120 upon request for immediate settlement.

On the other hand, if the approval cancellation request from the affiliated store terminal 107 in the state of the instant payment is made through the above process, the payment server 110 to process it.

3 is a flowchart of an approval cancellation / response process according to an embodiment of the present invention.

As shown, when the cancellation request data is received from the merchant terminal 107 to the VAN server 101, the VAN server 101 makes a cancellation request to the card company server 102, card company server 102 When a response to the cancellation request comes from, it transmits the confirmation data to the merchant terminal 107.

On the other hand, the card company server 101 transmits the cancellation request data to the immediate payment server server 110, the immediate payment server server 110 checks the deduction process and received a cancellation response from the card company server 101 (VAN server ( 102 transmits to the affiliated store terminal (107).

At this time, since the corresponding amount has already been paid to the account of the affiliated store, when the approval request is generated from the affiliated store terminal 107, the deposit is made by deducting from the amount of the payment request.

In order to manage the risks associated with the cancellation of the merchant's approval, the establishment of the approval cancellation standard is established.

5 is a flowchart for determining whether to approve a cancellation request according to a cancellation in an instant payment server according to an embodiment of the present invention.

As shown in this, when the application for cancellation of authorization is received by the card company server 102 through the VAN server 101 in the merchant terminal 107, the card company server 102 if the affiliate is a payment service registration merchant immediately the corresponding cancellation request Send to the instant payment server 110. (S110 ~ S111)

The immediate settlement server 110, as soon as the approval cancellation request is received, the immediate settlement server 110, first, retrieves the recent approval cancellation history of the merchant (S112).

If the cancellation request date is not the same day, it is determined that the application for cancellation of approval is not possible, and the details of the cancellation cancellation decision are transmitted to the affiliated terminal 107 through the card company server 102 and the VAN server 112. (S122) (S124).

If the cancellation application date is the same day, if the purchase approval of the day is more than a certain number of times, only the last approved response to the cancellation decision (S118).

For example, if five (1, 2, 3, 4, 5) purchase approvals are granted in a predetermined merchant terminal 107, only the most recently approved cancellation request is canceled. In addition, the cancellation decision result for the application determined to be canceled is transmitted to the affiliated store terminal 107. (S124)

If the cancellation request is made within the set number of daily cancellation requests, after calculating the sum of the amounts requested for cancellation on the day, if the amount is more than the set amount, the application for approval cancellation is decided and the card company server 102 and the VAN server 101 are determined. Send to the merchant terminal 107 through. (S120 ~ S124)

In this case, the number of cancellations per day and the daily cancellation limit may be set according to a separate agreement in consideration of the conditions of the merchant, that is, the performance of the merchant or the size of the merchant.

The affiliated store is deducted according to the immediate payment and cancellation of the authorization through the above process, while the card company is made to purchase the affiliated bank according to the purchase request.

4 is a flowchart of a purchase process for prepaid card payment amount according to an embodiment of the present invention.

As shown in the drawing, the VAN server 101 requests the purchase of the card company server 102 for the amount of the card payment prepaid due to the immediate payment.

The VAN server 101 determines the purchase price after confirming the approval history and cancellation history information and transmits the purchase request data to the card company server 102. At the same time, data about the purchase request is transmitted to the affiliated financial institution server 120.

When the card company server 102 requests the affiliate bank server 109 for the payment according to the purchase request, the affiliate bank server 109 notifies the affiliate financial company server 120 of the payment result.

The card company server 102 transmits the payment data to the instant payment server 110, the card company server 102 pays the payment amount to the affiliated bank server 109 and the instant payment company server 110 is the card company server 102 1: 1 payment with payment data received from. (Payment data can be received from the card company through the partner bank server 109.)

On the other hand, the instant payment server 110 receives the billing result from the card company server 102, due diligence the merchant request the card company server 101 to be suspended.

Although the preferred embodiment according to the present invention has been described above, various substitutions, modifications, and changes can be made by those skilled in the art without departing from the technical spirit of the present invention. It is not limited by the above-described embodiment and the accompanying drawings.

As described above, the instant settlement method capable of managing merchant risk according to the present invention increases the reliability of the merchant by receiving information about the merchant from the card company, and cancels the cash amount by canceling the following amount for the cancellation amount when canceling the settlement. There is an effect that can eliminate the inconvenience to be recovered.

1 is an overall block diagram of a credit card service system that can be settled early by an affiliated financial institution according to the prior art,

2 is a detailed flowchart of the approval request / response and the instant payment process in the merchant risk management immediate payment process possible according to an embodiment of the present invention,

1. Figure 3 is a flow chart of the approval cancellation / response process according to an embodiment of the present invention,

4 is a flowchart of a purchase process for prepaid card payment amount according to an embodiment of the present invention,

5 is a detailed flowchart of a process of determining and responding to the cancellation of approval according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

101: ban server 107: merchant terminal

109: affiliated bank server 110: instant payment server

102: card company server 120: affiliated financial company server

Claims (8)

As the credit card authorization request is sent from the credit card merchant terminal to the van server through the communication network, the card company server requests the approval and transmits the response result to the merchant terminal through the van server. In the service method, An authorization result transmission process of transmitting, when the affiliated terminal payment approved by the card company server is registered as an immediate payment service affiliate, the authorization result of the affiliated terminal terminal to the immediate settlement server; An immediate payment request process of requesting a remittance request from an affiliated financial institution server to a corresponding bank account of the affiliated store by an immediate settlement company server receiving the authorization response result data transmitted from the card company server; Merchant risk management immediate payment method comprising the instant payment remittance process of withdrawing the withdrawal to the merchant bank account of the affiliate bank server in accordance with the immediate payment request received by the affiliate financial company server. The method of claim 1, The immediate payment server searches for approval / cancellation history from the merchant terminal, manages approval / cancellation, manages pending details, manages withdrawal by requesting and withdrawing payments from affiliated financial institution servers, and manages settlement and agency management. Merchant risk management immediate payment method, characterized in that performing, and receives the merchant data 1: 1 from the card company server. As the credit card authorization request is sent from the credit card merchant terminal to the van server through the communication network, the card company server requests the approval and transmits the response result to the merchant terminal through the van server. In the service method, A cancellation request process of transmitting a cancellation request to the card company server as a cancellation request is transmitted to the van server for a predetermined approval payment from the affiliated store terminal; An immediate payment service determining process of determining, by the card company server receiving the cancellation request, whether the affiliate is an immediate payment service registration affiliated store; An immediate payment provider cancellation request process of transmitting the cancellation request to the immediate payment server if the affiliate payment service is an immediate payment service affiliate; Merchant risk management immediate payment method characterized in that it comprises a cancellation response process to determine whether the approval cancellation in the immediate payment server server transfers the cancellation request result to the merchant terminal through the card company server and van server. . The method of claim 3, wherein Whether to cancel the approval in the cancellation response process, the first step of retrieving the latest approval cancellation request information of the merchant that received the approval cancellation request to the immediate payment server; A second step of determining whether to cancel the approval if the minimum application date is after a set period; A third step of determining the cancellation of the last approval cancellation case when a plurality of cancellations are requested within the set period of the cancellation request; A fourth step of determining that the application for cancellation of approval is impossible when the sum of the cancellation amounts applied for cancellation is equal to or greater than the daily cancellation limit; And Merchant risk management comprising the fifth step of responding to the cancellation request if the cancellation request is within the set number of times, the cancellation request date is the same day, the cancellation amount is less than the set amount, Immediate payment method. The method according to claim 3 or 4, Merchant risk management immediate payment method characterized in that the immediate payment server in the immediate payment request generated after the cancellation request for the cancellation amount generated in response to the cancellation request from the merchant terminal. As the credit card authorization request is sent from the credit card merchant terminal to the van server through the communication network, the card company server requests the approval, and transfers the response result to the merchant terminal through the van server. In the instant payment service method of the credit card that sends the approval result to the private server to make an instant payment, A first step of responding to the purchase request from the card company server and transmitting a purchase request response result to the immediate settlement server as the purchase request is transmitted from the van server to the card company server; A second step of requesting payment from the card company server to the affiliated financial company server for the normal purchase amount; And a third step of remitting the purchase purchase amount to an immediate settlement company according to the payment request from the card company server in the affiliate financial company server. Following the claim 6, In addition to the first step, the direct payment method for merchants risk management, characterized in that further comprises the step of settling 1: 1 for the normal payment or pending cases according to the purchase request from the card company server to the immediate payment company server. . The method of claim 7, wherein Merchant risk management immediate payment method, characterized in that for the occurrence of the pending case deduction for the subsequent immediate payment according to the result of the screening of the merchant in the immediate payment company server.