KR20090045835A - Credit card payment system if the communication charge are accounting, which isn't at a member store - Google Patents

Credit card payment system if the communication charge are accounting, which isn't at a member store Download PDF

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Publication number
KR20090045835A
KR20090045835A KR1020080069381A KR20080069381A KR20090045835A KR 20090045835 A KR20090045835 A KR 20090045835A KR 1020080069381 A KR1020080069381 A KR 1020080069381A KR 20080069381 A KR20080069381 A KR 20080069381A KR 20090045835 A KR20090045835 A KR 20090045835A
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KR
South Korea
Prior art keywords
credit card
server
card payment
bansa
merchant
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Application number
KR1020080069381A
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Korean (ko)
Inventor
이종숙
Original Assignee
이종숙
한국제이에스텔레콤(주)
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Application filed by 이종숙, 한국제이에스텔레콤(주) filed Critical 이종숙
Priority to KR1020080069381A priority Critical patent/KR20090045835A/en
Publication of KR20090045835A publication Critical patent/KR20090045835A/en

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards

Abstract

The present invention does not require any communication charges due to credit payment, so it is possible to provide credit card payment service without any economic pressure even for a small credit card payment of about a few thousand won, thereby ensuring a more transparent tax security The state is related to a credit card payment system that does not charge a communication fee to a credit card merchant. When a buyer requests a credit payment using a credit card, the buyer receives the purchaser's credit card member information and the price of the goods. Credit that generates call connection signal requesting the transmission of credit card payment authorization request information using the pre-stored Bansa access number after generating credit card payment authorization request information including information and goods price, as well as pre-stored merchant information. Card lookup 100; With reference to the call connection signal generated from the credit card query device 100, the incoming call to the bansa server 300 having the bansa access phone number included in the call connection signal to control the credit card payment approval request information is transmitted. And billing server 200 for charging a communication fee per case; Bansa server 300 for relaying the credit card payment approval request information to the credit card company server 400, referring to the credit card payment approval request information transmitted from the credit card query device 100; And credit card payment approval information to determine the credit card payment approval by reading the credit card payment approval request information relayed from the bansa server 300 to control the relay transmission to the credit card query device 100 In the credit card payment system consisting of a card company server 400, a server managed by a company that sells a credit card inquiry machine 100, the Bansa access telephone number previously stored in the sold credit card inquiry machine 100 is called The network access number provider operating server 500 which stores and sells the access phone number for the terminal seller billing, which is paid by the company that sold the credit card checker 100, rather than paying the charge at the caller's credit card merchant. Included, the credit card lookup device 100 is installed in the credit card merchant stores purchased from a company managing the network access number provider operating server 500 For example, the bansa access phone number previously stored in the credit card inquiry machine 100 installed in the credit card merchant is a terminal seller billing access phone number, and the billing server 200 is generated from the credit card inquiry machine 100. If the bansa access telephone number included in the call connection signal is a terminal seller billing access telephone number, the communication fee per case is controlled to be billed to the network access number provider operating server 500.

Credit Card, Payment, Billing, Bansa, Communication Fee

Description

Credit card payment system if the communication charge are accounting, which isn't at a member store}

The present invention does not require any communication charges due to credit payment, so it is possible to provide credit card payment service without any economic pressure even for a small credit card payment of about a few thousand won, thereby ensuring a more transparent tax security The state is concerned with a credit card payment system in which credit card communication fees are not charged to merchants.

In general, credit card payment, which is a method of payment after purchase of a product, is a payment method that replaces cash during a commerce transaction between a seller and a buyer, and provides a convenience for the purchaser to make a payment later for the purchase of the product. .

In addition, the purchase history of goods purchased by buyers is databased, and the government is actively encouraging the benefits of secure tax revenues, so that most retailers throughout the industry (hereinafter referred to as credit card merchants) accept credit card payments. Providing.

1 is a block diagram showing a conventional credit card payment system.

As shown, the conventional credit card payment system is composed of a credit card query 10, the billing server 20, the Van (Value Added Network) server 30 and credit card company server 40. .

In order to perform a credit settlement approval process using the conventional credit card settlement system, when a buyer requests to perform a credit settlement of a purchase item using a credit card, the credit card merchant side uses a credit card inquiry machine 10. Read the purchaser's credit card member information and enter the price of the item.

The credit card inquiry machine 10 generates a credit card payment approval request information including pre-stored merchant information along with input credit card member information and goods price, and then returns to the bansa server 30 having a pre-stored bansa access telephone number. Generates a call connection signal requesting the transmission of credit card payment authorization request information.

The billing server 20 refers to the generated call connection signal, calls the corresponding bansa server 30 having the bansa access telephone number included in the call connection signal and controls the credit card payment approval request information to be transmitted and per call. Accumulate communication charges (per call) in the cumulative communication charge information DB of the credit card merchant.

Bansa server 30 refers to the credit card payment authorization request information sent by the credit card member information to identify which card company, and the credit card payment authorization request to the credit card company server 40 which is the server managed by the identified card company Relay information.

The credit card company server 40 reads the credit card payment authorization request information relayed and transmits the credit card payment authorization information to determine the credit card payment approval to the bansa server 30, the bansa server 30 credit card Relay transmission to the inquiry machine (10).

The credit card inquiry machine 10 completes the credit card payment approval by the relayed credit card payment approval information.

However, the conventional credit card payment system provides convenience for use to the buyer and secures tax revenue for the government, but the seller, which is the main agent for providing credit payment, has a problem in using a communication fee when performing credit settlement. have.

Here, the communication fee to be paid is a communication fee per call, which must be paid each time a credit settlement is performed, and the amount is 39 won.

Therefore, the more credit card payments are made by credit card merchants, the more accumulated credit-related communication charges increase exponentially, which acts as a factor that imposes a financial burden on credit card merchants. Moreover, if the price of goods sold is a small amount of a few thousand won, the sales profit is very low, so the credit card merchant stores the communication charge per call resulting from the credit settlement to the economic pressure.

As a result, the credit card merchants have a dismissal to induce cash payments to the buyer, which leads to a discontinuity that can destroy the benefits of the credit settlement that has been provided in the meantime.

The present invention is to solve the problems of the prior art, the object of the present invention is that the credit card merchant side does not take any communication charges due to the credit payment is not economically pressured even for a small credit card payment of about several thousand won It is to provide a credit card payment system that does not charge a communication fee to credit card merchants, which provides credit card payment service, thereby ensuring a more transparent tax revenue for the government.

In order to achieve the object of the present invention, a credit card payment system in which a communication fee is not charged to a credit card merchant of the present invention is a terminal installed in a credit card merchant, and when a credit request is made using a credit card from a buyer, Read the purchaser's credit card member information and input the goods price, generate the credit card payment approval request information including the credit card member information and the goods price, and the merchant information already stored, and then use the stored Bansa access number. A credit card inquiry device for generating a call connection signal requesting transmission of credit card payment approval request information; With reference to the call connection signal generated from the credit card inquiry machine, the call forwarded to the corresponding Bansa server having the bansa access telephone number included in the call connection signal to control the credit card payment approval request information is transmitted and the communication fee per case Billing server for billing; Bansa server for relaying the credit card payment authorization request information to the credit card company server, referring to the credit card payment authorization request information sent from the credit card inquiry machine; And a credit card payment server configured to read credit card payment approval request information relayed from the bansa server to generate credit card payment approval information for determining credit card payment approval, and to transmit the credit card payment authorization information to a credit card inquiry server. In the system, a server managed by a company that sells a credit card checker, and the bansa access telephone number stored in the sold credit card checker does not pay the bill at the credit card merchant that is the caller when the call is connected. And a network access number provider operating server for storing and selling a terminal seller billing access telephone number paid by a company that sells the device, and a credit card lookup device installed in the credit card affiliate store manages the network access number provider operating server. Terminal purchased from the credit card merchant Bansa access phone number pre-stored in the installed credit card checker is the terminal seller billing access phone number, the billing server is the bansa access phone number included in the call connection signal generated from the credit card inquiry machine is the terminal seller billing access phone If the number, the communication fee per case is controlled to be billed to the network access number provider operating server.

The communication fee per case is a communication fee per use time which is a time required to perform a credit card payment.

The communication hourly charge is a communication fee system sold by the billing server, and is used by the network access number provider operating server.

The seller billing access telephone number is an intelligent network service number.

The credit settlement method using a credit card payment system that does not charge the communication fee to the credit card merchant of the present invention comprises the steps of selling a credit card inquiry machine having an access number for the terminal seller billing access to the bansa access number required for the credit card payment; ; Purchasing and installing a credit card inquiry machine having the access number for the terminal seller billing at a credit card affiliate store; Requesting a credit card payment by a purchaser at a credit card merchant having a credit card inquiry device having a terminal seller billing access telephone number; In response to the credit card payment request, the credit card inquiry machine reads the purchaser's credit card member information and the goods price, and receives the credit card payment approval request information including the credit card member information and the goods price and the merchant information already stored. Generating a; Generating a call connection signal requesting transmission of credit card payment approval request information by using the terminal seller billing access telephone number previously stored in the credit card inquiry machine; The billing server refers to the generated call connection signal, and sends the credit card payment approval request information to the corresponding bansa server having the terminal seller billing access phone number included in the call connection signal and at the time of the credit card payment. Charging the communication fee per case to the network access number provider operating server; Receiving credit card payment authorization request information from the credit card inquiry machine, and transmitting the credit card payment authorization request information to the credit card company server with reference to the transmitted credit card payment authorization request information; Reading credit card payment authorization request information relayed from the bansa server to generate credit card payment authorization information for determining credit card payment approval, and relaying the credit card payment authorization information to a credit card checker to complete the credit card payment; .

The present invention pays the communication fee required for the credit card payment at the credit card merchant at the seller of the credit card inquiry machine installed at the credit card merchant, so that the communication fee according to the credit settlement is not required at all. Credit card payments can be serviced without financial pressure even with a small amount of credit card payments, which not only guarantees more transparent tax revenues for the government, but also allows credit card checkers to accept credit card payments. The loss from payment of the necessary communication fees is compensated for the profits sold by the credit card checker, which benefits the credit card merchant, the government, and the credit card checker seller.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment of the present invention will be described in detail.

2 is a block diagram illustrating a credit card payment system in which a communication fee is not charged to a credit card affiliated store of the present invention.

As shown, the credit card payment system that does not charge the communication fee to the credit card merchant of the present invention credit card query 100, billing server 200, bansa server 300, credit card company server 400 and It consists of a network access number provider operating server (500).

First, the credit card inquiry device 100 is a terminal installed in a credit card merchant, and when a buyer requests a credit payment using a credit card, the buyer receives the purchaser's credit card member information and the goods price, and the credit card member information. And generating credit card payment approval request information including pre-stored merchant information along with the price of the goods, and then generating a call connection signal requesting the transmission of the credit card payment approval request information using the pre-stored bansa access telephone number.

In addition, the billing server 200 refers to the call connection signal generated from the credit card lookup device 100, and receives a credit card from the corresponding bansa server 300 having the bansa access telephone number included in the call connection signal. It controls the transmission of payment approval request information and charges a communication fee per case.

The credit card company server 400 relays the credit card payment authorization request information to the credit card company server 40 by referring to the credit card payment authorization request information transmitted from the credit card inquiry machine 100 ( 300); And reading the credit card payment approval request information relayed from the bansa server 300 to generate credit card payment approval information for determining the credit card payment approval, and controlling it to be relayed to the credit card query device 10.

The network access number provider operation server 500 is a server managed by a company that sells the credit card query device 100. At this time, the bansa access telephone number previously stored in the credit card inquiry machine 100 sold by the company managing the network access number provider operation server 500 does not charge the communication fee to the credit card merchant that is the caller when the call is connected. A company that sells the credit card inquiry device 100 stores a terminal seller billing access phone number for charging a communication fee and sells it to a credit card affiliate store.

For this reason, the communication fee generated every time the credit settlement is performed in the credit card merchant that purchased the credit card inquiry device 100 from the company managing the network access number provider operation server 500, is not charged to the corresponding credit card merchant, The communication fee is charged to the company that manages the network access number provider operating server 500 that sells the credit card inquiry device 100.

In order to drastically lower the cost, the communication fee per case having a communication fee system uses a communication fee per use time, which is a time required to perform a credit card payment, instead of using an existing communication fee per call. In general, the time required to perform a credit card payment is typically less than 10 seconds.

For this reason, since a payment fee is used as a communication fee within 10 seconds, a low communication cost is paid.

Moreover, the communication fee per hour used as a communication fee system sold by the company (KT, Dacom, Hanaro) that manages the billing server 200, is sold at 39 won per three minutes.

For this reason, it takes less than 2.2 won when converting the fee to 10 seconds, which is the time required to perform credit card payment, so even if the credit card merchant performs 100 credit card payments a day, it costs 220 won. The following low rates are required.

Therefore, the credit card merchant that purchased the credit card inquiry machine 100 from the company managing the network access number provider operating server 500 does not require any communication charges due to credit payment, so a small amount of credit card payment of several thousand won In addition, it is possible to service the credit card payment without being economically pressured, which contributes to securing the tax revenue more transparent to the government, and, in addition, the company managing the network access number provider operating server 500, the credit card payment at the credit card merchant It provides a credit card payment system system that is very profitable for all by making up for the loss from the profits of selling the credit card lookup 100 at a very low communication fee to perform the.

Here, in performing the credit card payment, the seller billing access telephone number used as the network access number uses an intelligent network service number such as 080, 050, 060, and 070.

Hereinafter, a description will be given of a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card merchant of the present invention.

3 is a flowchart illustrating a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card affiliated store of the present invention.

As shown, the process of performing a credit settlement using a credit card payment system that does not charge the communication fee to the credit card merchant of the present invention, first, the credit card in the company managing the network access number provider operating server 500 Selling a credit card inquiry machine (100) having a terminal seller billing access phone number to the bansa access number required at the time of payment to the credit card merchant owners managing credit card merchants (S10).

The credit card merchant purchases a credit card inquiry device 100 that does not require payment of a communication fee when paying a credit card from a company managing a network access number provider operating server 500 and installs it in a credit card merchant (S20). Sell the goods in the state.

When a buyer submits a credit card as a payment method when purchasing a product at a credit card merchant equipped with a credit card inquiry device that does not require payment of a communication fee when paying a credit card (S30), the credit card merchant checks the credit card checker 100 Read the purchaser's credit card member information recorded on the submitted credit card and enter the price of the goods.

The credit card query device 100 generates credit card payment approval request information including pre-stored merchant information along with input credit card member information and goods price (S40) and then has a terminal phone billing access number for the terminal seller billing. Bansa server 30 generates a call connection signal (S50) for requesting the transmission of credit card payment approval request information.

The billing server 200 refers to the generated call connection signal, and sends the credit card payment approval request information to the bansa server 300 having the terminal seller billing access phone number included in the call connection signal. After accumulating and storing the communication fee per hour, which is the communication fee per case required for credit card payment, in a database (DB), the credit card inquiry machine does not require payment of the communication fee when the credit card is settled every predetermined period (for example, monthly). One recipient billing access number provider billing server (500) (S60).

The bansa server 300 receives the credit card payment approval request information from the credit card inquiry device 100, and relays the transmission to the corresponding credit card company server by referring to the transmitted credit card payment approval request information (S70).

The credit card company server 400 reads the credit card payment approval request information relayed from the bansa server 300 to generate credit card payment approval information for determining the credit card payment approval, and sends it to the credit card query device 100. Relay transmission completes the credit card payment (S80).

1 is a block diagram showing a conventional credit card payment system,

2 is a block diagram showing a credit card payment system in which a communication fee is not charged to a credit card affiliated store of the present invention;

3 is a flowchart illustrating a step of performing a credit settlement using a credit card settlement system in which a communication fee is not charged to a credit card affiliated store of the present invention.

<Code Description of Main Parts of Drawing>

10,100: credit card inquiry 20,200: billing server

30,300: Bansa server 40,400: Credit card company server

500: the server for the recipient charging access number provider

Claims (8)

As a terminal installed in a credit card merchant, when a buyer requests a credit payment using a credit card, the buyer receives the purchaser's credit card member information and the price of the goods, and stores the previously registered merchant information along with the credit card member information and the price of the goods. A credit card inquiry device 100 generating a call connection signal for requesting transmission of credit card payment approval request information using a pre-stored Bansa access telephone number after generating credit card payment authorization request information including; With reference to the call connection signal generated from the credit card query device 100, the incoming call to the bansa server 300 having the bansa access phone number included in the call connection signal to control the credit card payment approval request information is transmitted. And billing server 200 for charging a communication fee per case; Bansa server 300 for relaying the credit card payment approval request information to the credit card company server 400, referring to the credit card payment approval request information transmitted from the credit card query device 100; And credit card payment approval information to determine the credit card payment approval by reading the credit card payment approval request information relayed from the bansa server 300 to control the relay transmission to the credit card query device 100 In the credit card payment system consisting of a card company server 400, As a server managed by a company that sells a credit card checker 100, the bansa access phone number previously stored in the sold credit card checker 100 is not charged by the credit card merchant that is the caller when the call is connected. It includes a network access number provider operating server 500 for storing and selling the terminal seller billing access phone number to be paid by the company that sold the credit card query device 100, The credit card inquiry device 100 installed in the credit card merchant is a terminal purchased from a company managing the network access number provider operation server 500, and is pre-stored in the credit card inquiry device 100 installed in the credit card merchant. Bansa access phone number is the access number for the terminal seller billing, The billing server 200, if the bansa access phone number included in the call connection signal generated from the credit card query 100 is a terminal seller billing access phone number, the communication fee per case the network access number provider operating server ( 500) A credit card payment system that does not charge a communication fee to a credit card merchant, characterized in that the charge is controlled to be charged. The method of claim 1, The communication fee per case is a credit card payment system, the communication fee is not charged to the credit card merchant, characterized in that the time required to perform the credit card payment. The method of claim 2, The communication time per charge is a communication fee system sold by the billing server 200, the credit is not charged to the credit card merchants, characterized in that the network access number provider operating server 500 to buy and use Card payment system. The method according to any one of claims 1 to 3, The seller billing access telephone number is a credit card payment system that does not charge a communication fee to a credit card merchant, characterized in that the intelligent network service number. Selling a credit card inquiry device having a terminal seller billing access telephone number to a bansa access number necessary for a credit card payment (S10); Purchasing and installing a credit card inquiry device having the access number for the terminal seller billing at a credit card merchant (S20); Requesting a credit card payment by a buyer at a credit card affiliated store having a credit card inquiry device having a terminal seller billing access telephone number (S30); In response to the credit card payment request, the credit card inquiry machine reads the purchaser's credit card member information and the goods price, and receives the credit card payment approval request information including the credit card member information and the goods price and the merchant information already stored. Generating (S40); Generating a call connection signal requesting the transmission of credit card payment approval request information by using the terminal seller billing access telephone number previously stored in the credit card inquiry machine (S50); The billing server refers to the generated call connection signal, and sends the credit card payment approval request information to the corresponding bansa server having the terminal seller billing access phone number included in the call connection signal and at the time of the credit card payment. Charging the required communication fee per case to the network access number provider operating server (S60); Receiving credit card payment authorization request information from the credit card inquiry machine, and relaying and transmitting the credit card payment authorization request information to the corresponding credit card company server (S70); Reading the credit card payment authorization request information relayed from the bansa server to generate credit card payment approval information for determining the credit card payment approval, and relaying it to the credit card query to complete the credit card payment (S80) Credit card payment method that is not charged to the credit card merchant, characterized in that consisting of. The method of claim 5, The communication fee per case is a credit card payment method, the communication fee is not charged to the credit card merchant, characterized in that the time required to perform the credit card payment. The method of claim 6, The communication fee per hour used as a communication fee system sold by the billing server, the credit card payment method is not charged to the credit card merchant, characterized in that the network access number provider operating server to buy and use. The method according to claim 5 to 7, The seller billing access phone number is a credit card payment method that is not charged to the credit card merchant, characterized in that the intelligent network service number.
KR1020080069381A 2008-07-17 2008-07-17 Credit card payment system if the communication charge are accounting, which isn't at a member store KR20090045835A (en)

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Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104599011A (en) * 2013-10-31 2015-05-06 航天信息股份有限公司 Database form based information acquiring system and method
CN104598479A (en) * 2013-10-31 2015-05-06 航天信息股份有限公司 Information collection system and method
CN110998625A (en) * 2017-07-12 2020-04-10 株式会社华伦迪 Settlement management server, program, and settlement method

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN104599011A (en) * 2013-10-31 2015-05-06 航天信息股份有限公司 Database form based information acquiring system and method
CN104598479A (en) * 2013-10-31 2015-05-06 航天信息股份有限公司 Information collection system and method
CN110998625A (en) * 2017-07-12 2020-04-10 株式会社华伦迪 Settlement management server, program, and settlement method
CN110998625B (en) * 2017-07-12 2023-08-29 株式会社华伦迪 Settlement management server, program, and settlement method

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