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 PDFInfo
- 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
- Prior art date
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/20—Point-of-sale [POS] network systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/24—Credit schemes, i.e. "pay after"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION 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
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment 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
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
First, the credit
In addition, the
The credit
The network access number
For this reason, the communication fee generated every time the credit settlement is performed in the credit card merchant that purchased the credit
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
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
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
The credit card merchant purchases a credit
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
The credit
The
The
The credit
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)
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KR1020080069381A KR20090045835A (en) | 2008-07-17 | 2008-07-17 | Credit card payment system if the communication charge are accounting, which isn't at a member store |
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KR1020080069381A KR20090045835A (en) | 2008-07-17 | 2008-07-17 | Credit card payment system if the communication charge are accounting, which isn't at a member store |
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Publication Number | Publication Date |
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KR20090045835A true KR20090045835A (en) | 2009-05-08 |
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Cited By (3)
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 |
-
2008
- 2008-07-17 KR KR1020080069381A patent/KR20090045835A/en active Search and Examination
Cited By (4)
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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