KR20090111962A - Method of credit card sale amount of money automatic movement exact calculation that take advantage of bankbook receipt of money information - Google Patents

Abstract

PURPOSE: A method for automatically calculating the credit card sale amount by using information about the receipt of money in a bankbook is provided to offer a system which can automatically compare the credit card approval list with real deposit money in a bankbook. CONSTITUTION: A method for automatically calculating the credit card sale amount by using information about the receipt of money in a bankbook comprises the following steps of: registering the financial account information of a member store into which the credit card sale amount is deposited in a payment agency(S100); transmitting information about receipt of money in the financial account to the payment agency(S200); and generating information about a credit card company requested by the payment agency by utilizing the transmitted deposit information(S300).

Description

Method of Automatic Settlement of Credit Card Sales Payment Using Bank Deposit Information {METHOD OF CREDIT CARD SALE AMOUNT OF MONEY AUTOMATIC MOVEMENT EXACT CALCULATION THAT TAKE ADVANTAGE OF BANKBOOK RECEIPT OF MONEY INFORMATION}

The present invention relates to a settlement system for comparing the credit card sales price and the bank account payment information, in particular, when the credit card member pays the sales price with a credit card at the merchant, the corresponding payment from the credit card company accurately the merchant's financial account In order to check whether the deposit is completed, the system automatically compares the bank account deposit information of the financial account registered with the merchant's transactional financial institution with the approval information of the payment agency, and automatically calculates the credit card sales payment received by the merchant from the credit card company. The present invention relates to a system and a method which can be settled by comparison.

In general, credit card payment is credit card company's credit secured by the credit card member merchants recruited by the credit card company credit card company purchased goods or services on credit, and then the corresponding purchase price A payment is made by paying a credit card company, and a merchant receives payment from a credit card company for goods or services sold to a credit card member.

In such a credit card payment method, the payment method is a method in which a merchant submits a paper sales slip with a card member's signature directly to the credit card company and requests the purchase, and the credit card company pays the sale price. Has been made. However, such a credit card payment system has been rapidly developed by connecting a credit card company and merchants with a network by a payment agency representing credit card transaction approval. In particular, payment agencies have developed and provided "Data & Draft Capture (DDC Service)", which makes it easier than ever to make purchase claims between credit card companies and merchants in Korea.

In general, the 'DDC service' refers to a service that a billing agency acts for a purchase request by improving a conventional purchase request method in which a merchant directly submits a paper sales slip to a credit card company and requests a purchase. These DDC services, the payment agency prepares the purchase billing data for each merchant based on the credit card authorization data generated during the credit card transaction approval process, and transmits the billing data to the credit card company, the credit card company When the purchase history requested by the payment agency and the payment agency are different or the details already purchased are not returned to the payment agency without notification, and the purchase return is confirmed by the payment agency to the affiliated store and is normal sales. The credit card company re-sends the transaction to the credit card company so that the purchase can be reclaimed, and the settlement agency sends the result of the transaction, including the due date of the deposit, to the merchant to settle the credit card sales. To provide.

In the same way as above, each credit card company should make advance payment of credit card sales to the affiliated stores, and then the payment agency collects and stores the paper sales slips by ex post method. Thereafter, if the customer's use of the credit card is billed to the customer or if a complaint occurs due to the use of a lost credit card, the credit card company requests the payment agency to submit a paper sales slip, and the payment agency keeps the payment agency. Find out the paper sales slips in progress and submit a copy of the paper sales slips so that the credit card company can submit the slips with the signatures to the complainant to check their use. The credit card company will be responsible for the purchase by paying the credit card company instead.

2 is a block diagram schematically illustrating a credit card payment and DDC service system of a payment agency in general.

Referring to Figure 2, a credit card payment and settlement system according to the general DDC service method is a plurality of merchant payment terminals 1 to N (10 to 12) for performing a receipt output according to the authorization request and the result, and the plurality of merchants It manages a predetermined information communication network 20 in which data communication is performed with payment terminals 1 to N (10 to 12) and the approval server 31, and the plurality of affiliated payment terminals 1 to N (10 to 12). The authorization request sent from the payment terminals 1 to N (10 to 12) is transmitted to the credit card company servers 1 to N (40 to 42), which are the approval and purchase institution of the card transaction, and receive the response. The payment server's approval server 31 transmitting to ˜N (10 to 12) and the transaction details that have been approved by the credit card company are downloaded from the approval server 31 on a predetermined basis thereafter, and for each credit card company. Prepare purchase request materials, The information communication network 20 transmits the data to the corresponding credit card company servers 40 to 42, and the DDC server 32 receives and manages the result of purchase processing for each merchant of the credit card company.

FIG. 3 is a procedure illustrating a credit card sales settlement process according to a general credit card payment and DDC service method performed by the system shown in FIG.

Referring to FIG. 3, when a credit card member purchases an item or service at a merchant, when the credit card is presented to the merchant for payment, the merchant payment terminal 10 reads the credit card information (S21), and the information communication network ( 20) to establish a connection to the approval server (31) (S22). Subsequently, the merchant inputs transaction details using the keypad of the payment terminal 10 (S23), and receives a response to the connection establishment from the approval server 31 (S24), to the approval server 31. Request the transaction approval (S25). Then, the approval server 31 checks the transaction history information including the credit card information, and requests a transaction approval to the credit card company server 40, which is the approval institution of the credit card (S26), and the approval result accordingly. Receive (S27), and transmits the result back to the merchant payment terminal 10 (S28). The merchant payment terminal 10 automatically outputs the sales slip upon receiving the approval result in this procedure, and the merchant completes the credit settlement by receiving the signature of the credit card member on the printed paper sales slip (S29). Thereafter, the DDC server 32 of the payment agency downloads the transaction details that have been approved from the credit card company server 40 from the approval server 31 and generates purchase billing data for each credit card company (S30). The purchase request data for each merchant is sent to the company server 40 (S31), and the purchase processing result including the normal payment amount and the due date of the payment or the result of the purchase return from the credit card company server 40 is received. It receives and manages the response (S32), and provides the merchant with the deposit amount, the scheduled payment date and the purchase return information according to the request of the merchant (S33). On the other hand, each credit card company confirms the purchase (S34) for the credit card sales price to be paid to the merchant based on the result of the purchase processing, the transaction financial institution server of the credit card company that holds the funds of the credit card company When requesting (50) to deposit the credit card sales price to the merchant's transactional financial institution server 60 having the merchant's financial account, the credit institution's transactional financial institution 50 receives the merchant's transactional financial institution. The credit card sales payment to the account 60 is transferred to the account (S36), the merchant financial institution 60 of the merchant is credit card sales payment to the merchant's financial account (S37).

When the credit card sales payment is completed using the payment agency's DDC service, the representative of the affiliated store provides details of the deposit from the merchant's transactional financial institution to the merchant's financial account by means of a physical bankbook printing or the Internet. The credit card company that received the deposit was determined based on the name of the client listed in the bankbook, and compared with the details of each credit card company shown in the sales slip (S29) held by the merchant (S38) to proceed with the settlement of credit card sales. do.

As described above, when a customer who purchases a product or service selects a credit card as a payment method, a merchant must go through a complicated process to receive a credit card payment from a credit card company. However, the merchant uses a DDC service through a payment agency. Most of the billing work is computerized, so you can easily receive credit card sales.

However, for merchants, there is still inconvenience due to the failure to computerize the final deposit confirmation process (S38) by directly comparing the bank account deposit details of the merchant and the sales statement (S29), which can be called the final deposit confirmation stage. If an error occurs in the details of the sales slip (S29) and the merchant bank account (S37) during the payment confirmation (S38) process, the merchant contacts the payment agency and the credit card company, respectively, and the error of the credit card sales price. There is discomfort to clarify the reason.

In addition, since credit card sales are made by credit card companies, merchants can receive credit card sales from up to 8 to 10 credit card companies on the same day. A maximum of 200 deposits are generated, which makes it inconvenient to compare 200 bank account deposits by hand.

In addition, credit card sales will be purchased on the bank's business day due to the five-day workweek of the financial institution, so that the credit card sales on Friday, Saturday, and Sunday will be deposited on the same day. If you need to proceed with the payment confirmation (S38) by comparing the history and the bank account, merchants must add the sales of Friday, Saturday, and Sunday directly and compare the bank account with the bank account. have.

In addition, the amount of the bank account deposited to the merchant is not the same as the credit card sales price, but the credit card sales after deducting 1.5 ~ 5% of the sales amount in the name of the credit card company's commission etc. Since the payment is made in cash, it is very difficult for the merchant to settle the sales slip (S29) in detail and the bank account deposit (S37).

In addition, some credit card companies have recently reduced the rate of merchant card fees, so credit card sales amount from the same credit card company on the same day does not apply to the same card company fee rate. Since different deposit rates are applied, merchants must estimate credit card fees to be deducted from credit card sales when credit card transactions and check card transactions occur when two or more card sales occur. It is very difficult to estimate the price.

Recently, in order to eliminate this inconvenience, some payment agencies compare the details of the sales slip (S29) with the corresponding deposit and return (S33) data received from the credit card company, but also provide it to the merchant. In order to compare the actual deposit details with the financial account of the merchant, the representative of the merchant or the accounting clerk must manually compare the details deposited with the bank account and confirm the final deposit.

The reason that such inconvenience exists is that the computerized data can be secured through the financial institution server 60 that the merchant deals with the information deposited as the actual bank account of the merchant, but at this time, the computerized data secured for the purchase The payment agency cannot determine the credit card company that has deposited the credit card sales price, because the server 50 of the financial institution that the credit card company is trading, not the card company. Therefore, when the settlement agency compares the details of the credit card sales slip (S29) generated at the affiliate store with the purchase processing result (S32) using the bankbook payment (S37), it does not know how to settle the credit card company. The situation is not automated.

Due to these constraints, the Jeong-In Do's office, which can confirm the final payment by comparing merchant credit card payments with actual bank deposits, is not available in most small and small merchants except large merchants with some professional staff. As a result, it is impossible to confirm whether the credit card sales amount has been successfully deposited.

Therefore, general small and medium sized merchants require an automated settlement method of credit card sales price that can effectively close the credit card sales price settlement business and confirm the deposit of credit card sales price.

The present invention has the following problems in order to solve the above conventional technical problems.

Many transactions today are made by credit card. Therefore, the merchant using the credit card as a payment method is required to provide credit card sales history, credit card deposit amount provided by the payment agency, the expected date and return of the amount, and the financial institution with which the merchant deals. The purpose of the present invention is to provide an automatic settlement method that can automatically find deposits and the like by comparing the details of actual deposit to a merchant's financial account.

To this end, merchants provide credit card authorization details and payment agencies that concentrate the result of the purchase process on the merchant's financial account through the merchant's transactional financial institution to automatically compare credit card sales. The purpose is to ensure settlement.

The present invention is the account information registration step (S100) to register the financial account information, the credit card sales price of the merchant is deposited in the payment agency, and the financial institution that merchants deal with the information deposited into the registered financial account to the payment agency. The payment information transmission step (S200) for transmitting, the card company information generation step (S300) for generating a credit card company information requested by the payment agency to deposit using the client name of the transferred payment information, and the generated credit card Comprising a payment data generation step (S400) to generate payment data of the credit card sales price of the merchant by comparing the deposit information of the company and the approval information of the payment agency and the deposit amount and the expected payment date and return data resulting from the purchase processing. do.

The present invention has the following effects.

The present invention provides a system that can automatically compare the credit card authorization history that the merchant knows and the information actually deposited in the bank account of the merchant by hand when the merchant compares the credit card sales payment and the deposit history in the account of the merchant actually By automating, the comparison can be done quickly and accurately, thereby reducing the manpower cost through time savings.

In addition, if the credit card sales occurred but did not make a deposit by automatically comparing the credit card authorizations generated at the merchant, the date of the deposit and the amount of the deposit, and the information actually deposited on the bank account of the merchant, It can be found at a earlier time than by hand, and by early action such as repurchase, it has the effect of securing working capital and interest income as fast as that time.

Furthermore, the representative of the merchant can prevent the merchant from avoiding the use of the credit card payment method due to the inconvenience of the settlement of the credit card sales price, and the customer using the merchant can use the credit card, thereby increasing the convenience of the payment method. By expanding the credit card payment method of merchants, tax authorities will have an indirect effect of accurately understanding the sales of merchants.

The present invention has the following technical configuration to achieve the above object.

The present invention relates to a credit card sales payment automatic settlement method that provides a comparison of the credit card sales history of the merchant, the purchase processing results for the above case, and the bank account deposit information of the merchant.

An account information registration step (S100) of registering the merchant's financial account information in which the credit card sales price of the merchant is deposited with the payment agency;

Deposit information transfer step (S200) for transmitting the bank account deposit information of the registered financial account by the financial institution server transactions merchants to the settlement agency server,

A card company information generation step (S300) of generating a credit card company information requested by a payment agency for depositing using the client name of the bankbook deposit information transmitted;

Including a settlement data generation step (S400) of generating the credit card sales price settlement data of the merchant by comparing the transaction information and the transaction details that the payment agency knows the generated credit card company and the payment agency of the generated credit card company; It is composed.

With reference to the drawings to be described in more detail through an embodiment of the present invention.

As shown in FIG. 4, the system for configuring the present embodiment includes depositing with an affiliated server payment terminal 10, an authorization server 31 and a DDC server 32 connected through the merchant payment terminal and the information communication network 20. Payment agency server 30 including the settlement server 33, the approval history database (DATA BASE) 401 and the settlement database (DATA BASE) 402 connected to the payment agency server and the information communication network (20) A credit card company server 40 including an affiliated store information database (DATA BASE) 403, and a financial machine relationship database (DATA BASE) 501 connected to the credit card company server through an information communication network 20; A financial institution server 50 of a credit card company including a financial transaction relay module 502, a financial transaction relay module 601 and a financial account DB (DATA) connected through the financial institution server and the information communication network 20. BASE) and the transaction financial institution server 60 of the merchant, including the payment history relay module 603. It consists of.

The information communication network 20 refers to a communication network that comprehensively provides various services by digitally signaling various communication information, and includes both wired and wireless communication networks and the Internet network. Such a communication network does not have to establish a separate communication network, but means that an existing communication network can be used. In the present embodiment, both the merchant payment terminal 10, the payment agency server 30, the credit card company server 40, the credit card company's transaction financial institution server 50, and the merchant's transaction financial institution server 60 are all. The information communication network 20 is connected to enable mutual information signal exchange.

The merchant payment terminal 10 is a terminal for data communication, which is supplied to each store to read credit card information and request a payment approval application, or a device capable of transmitting and receiving information for cash receipt approval application by means of the information communication network ( 20) sends and receives information with the payment agency server 30. The merchant payment terminal not only includes a dedicated terminal of a separate payment agency, but also a terminal used in an existing point of sale system (POS: POINT OF SALES) system by modifying the communication text to transmit and receive with the payment agency, the present implementation This can be used in the example.

The payment agency server 30 generally refers to a server that can share the information of the payment agency in conjunction with a server (VAN) of the value added network (VAN) provider or payment agency, credit requested by the merchant payment terminal (10) Checking the normality of the card and at the same time based on the authorization server 31 relaying to the credit card company server 40, and based on the transaction history that the authorization is periodically provided by the authorization server 31 for each credit card company The DDC server 32 which generates and sends the purchase billing data and receives the result of the purchase processing, and manages the financial account information of the merchant where the credit card sales of the merchant are deposited, and the bank account information from the merchant financial institution of the merchant. It consists of a payment settlement server 33 for generating the settlement data by performing the receiving work.

The payment settlement server 33, which can be said to be the most characteristic of the present invention, refers to a merchant account database (DATA BASE) 331 and the merchant account in which deposit account information is deposited and managed by credit card sales of merchants. It consists of a deposit settlement module 332 for generating credit card sales payment settlement data by generating information on the credit card company requested to purchase from the bank account deposit information to be deposited.

The credit card company server 40 responds to the results of the approval request for the credit card from the payment server's approval server 31 and stores the result information in the authorization history database (DATA BASE) 401 and the payment agency. The DDC server 32 manages the settlement history DB 402 that manages the response and the result information when the purchase request for the credit card transaction is requested, and manages the financial account information of the affiliate store where the credit card sales payment can be deposited to the merchant. A merchant information database (DATA BASE) (403).

The transactional financial institution server 50 of the credit card company is a server of a financial institution that performs a general bank's business. Therefore, since the function of the financial institution server corresponds to a well-known device, a detailed description of the financial database DB 501 and the financial transaction relay module 502 is omitted.

The merchant financial institution server 60 of the merchant is a server of a financial institution that performs a general bank business, and in the present invention, it is configured to concentrate only a portion necessary for the present invention among various functions of the financial institution. In particular, the financial institution server 60 includes a payment history relay module 603 that can send and receive payment account history with the payment agency server 30, the financial transaction relay module 601 and the financial instrument relational DB (DATA) BASE) 602 is a well-known device, and thus a detailed description thereof will be omitted.

The account information registration step (S100) refers to a step in which the merchant registers the financial account information of the merchant registered in the credit card company so that the credit card sales payment is deposited with the payment agency.

The merchant's financial account information generally refers to the financial account of the merchant where the credit card sales charges originating from the merchant are registered, which is registered and submitted together with the credit card company when the merchant prepares the merchant contract. The financial account information includes financial account information of the merchant and the merchant and the account holder of the financial account.

Registering the financial account information in the payment agency is a feature of the present invention. In the future, when the payment agency receives the bank account payment information from the merchant's transactional financial institution, the merchant having the financial account information among the merchants held by the payment agency It is used as a reference value to find.

More specifically, for example, it is assumed that the merchant A registers the financial account information E, which is opened at the financial institution D, registered with the card company B, at the settlement agency.

Merchant A registers the information of the D financial institution where the credit card sales of A merchant registered in B card company and the financial account information of E are registered with the payment agency. If the account information of A merchant is registered with the payment agency, the payment agency Register the E-financial account information with the D financial institution, which is the financial account information of the A merchant, in the merchant account DB 331 of the deposit settlement server 33, and then transfer the bank account deposit information with the D financial institution as the E-financial account information. It can be seen that the credit card sales price to be deposited is the credit card sales price of Merchant A.

The deposit information transmission step (S200) refers to a step in which the financial institution server 60 with which the merchant trades transmits the bank account information, which is deposited in the financial account of the registered merchant, to the payment settlement server 33 of the payment agency. .

As shown in FIG. 4 to configure the present embodiment, the bank account deposit information is generally recorded when the DDC server 32 of the payment agency sends the purchase request data to the credit card company server 40. The credit card company server 40 compares with the approval details DB 401 and confirms the normal approval details to purchase and stores the settlement details in the settlement details DB 402, and the purchase price of the confirmed credit card is stored in the merchant information DB 403. Request a bank transfer to the financial institution server 50 of the credit card company to be deposited in the financial account of the merchant registered in the bank, the financial institution server 50 credit card stored in the bank account DB (501) When requesting the account transfer to the merchant financial institution server 60 of the merchant through the financial transaction relay module 502, the merchant financial institution server 60 of the merchant received through the financial transaction relay module 601 Bank transfer amount of financial institution To transfer the money to the financial account of the merchant registered in the left DB (602) is generated and consists of a deposit date of deposit, it referred life.

The bank account deposit information generated in this way is transmitted to the payment settlement server 33 of the payment agency through the deposit history relay module 603 of the merchant financial institution server 60 of the merchant, and the transfer bank account information is transferred to the payment settlement server ( 33 is compared to the bank account information previously registered in the merchant account DB (331) is confirmed as the bank account deposit information of the particular merchant.

More specifically, for example, an A merchant deposits a credit card sales amount of F from a card company B to a financial account E registered with a trading financial institution of a merchant D through a B card company C trading company C. Assume

The payment agency of merchant A requests the credit card purchase price of merchant A to B card company through DDC service, and B card company pays F amount to merchant C if it is normal compared to its approval. When the amount of F is requested to be deposited into E account of D financial institution, C financial institution requests D financial institution to transfer the amount of F to E account, and D financial institution deposits the amount of F into E account. The information is generated. When the D financial institution transfers the bank account deposit information of the generated E account to the payment agency of A merchant, the payment agency of A merchant knows the A merchant that registered the D financial institution and E account among the financial account information of the registered merchant. It can be seen that the bankbook deposit information transmitted is the bankbook deposit information of A merchant. Therefore, the settlement agency can finally know that the F credit card sales payment has been deposited into the E account of the merchant A.

The card company information generation step (S300) refers to a step of generating a credit card company information requested by the payment agency using the client name included in the transfer bank account information.

In general, the merchant checks the deposit date, deposit amount, and client's name printed on the account. Credit card sales charges also allow credit card companies to know when they make deposits by credit card companies. However, the name length of the client name is limited because it must be printed on the bankbook. Therefore, the name used for the client name is slightly different for each credit card company, but the shortened unique name so that the general public can distinguish the credit card company based on the client name (eg, national card company: national, BC card company: BC, Samsung Card Company: Samsung, Shinhan Card Company: Shinhan, Hyundai Card Company: Hyundai, Lotte Card Company: Lotte, etc.) allows merchants to identify credit card companies. The proper name of the credit card company may not be always used by the same proper name, but may be partially changed by the policy of the credit card company such as Korean or English or by the financial institution 50 of the credit card company. Since the credit card companies are distinguished by using the inputted unique name, the range of the unique name can be changed so limited that most types of unique name can be estimated. In addition, most credit card companies, along with the credit card company's proper names (e.g., Kookmin, Shinhan, BC, Lotte, Hyundai, Samsung, Forex, etc.), will be able to know that credit card companies have deposited credit card sales. Words that are associated with deposits (eg credit sales deposits, merchant deposits, card deposits, card deposits, etc.) are added to the client's name.

Therefore, it can be seen that the client name used by the credit card company is composed of a combination of unique names and words reminiscent of the deposit of the credit card sales price.

More specifically, for example, the name of the bank account deposit information that can be used by Kookmin Card Company is the name 'national' and credit sales deposit, merchant payment, card deposit, card deposit, which means the deposit of credit card sales. It can consist of the national credit sales deposits, national merchant loans, national card deposits, and national card purchases.

The biggest feature of the present invention will be called this part. In other words, the credit card that the payment agency requested the deposit by comparing the client name of the bank account deposit information provided by the merchant's financial institution with the name type combined with the credit card company's unique name and the words associated with the deposit of the credit card sales price. How to judge a company.

The name type produced above is a combination of card company 1, card company 2 representing 1 to n card companies, card company 1 in combination with type 1, type 2, ~, type m representing a word type associated with deposits of card company n and 1 to m. Card 1 Type 2, Card Type 1, Card Type 2, Card Type 2, Card Type 2, Card Type 2, Card Type n, Card Type n, Card Type n, Card Type n Name type as described above may be represented as shown in Table 1 below.

Table 1

Table 1 shows the same name as the client name when comparing both the client name included in the bank account deposit information provided by the financial institution and the card company name type (card company n type m) (n = 1 to n, m = 1 to m). In the same case, the client name of the bank account deposit information may be determined to be a card company n. Therefore, the bank account deposit information may be determined to be a credit card sales price deposited by the card company n.

More specifically, for example, an A merchant deposits a credit card sales amount of F from a card company B into a financial account E registered with a trading financial institution of a merchant D through a B credit company of C card. The financial institution named C indicates that the client name is 'B credit sales deposit', and the settlement agency assumes that type 1 is credit sales deposit, type 2 is merchant payment and type m is card purchase.

Under the above assumptions, the settlement agency applies the name type as B credit sales deposit, B merchant payment, ~, B card purchases, to make sure that they have the same name, and form the name type as shown in Table 2 below. Can be compared.

[Table 2]

In Table 2, the client name included in the bank account deposit information provided by D financial institution is marked as 'B credit sales deposit', and the same type of name operated by the settlement agency is 'B credit sales deposit'. The client's name can be determined by the B credit card company.

5 is a detailed flowchart of a card company information generation step (S300) by comparing the name type of the client name proceeded in the payment settlement module 332.

Referring to Figure 5, the deposit information transfer step (S200) checks whether the value of the client name field in the bank account payment information provided (S310), if the client name field is normally (S311) is the next step name name comparison ( In step S320, if there is no client field value (S312), an error occurs and the previous step (S200) is notified. In addition, the procedure of confirming the existence of the value of the client name field (S310) is confirmed in the deposit information transmission step (S200), which is a previous step, but is further confirmed for the normal work performance of the card company information generation step (S300). If the verification result of the client name field is normal (S311), the next step is comparing the client name and the name type (S320). If the combined words of the card company 1 name and type 1 are the same as those of the client name (S321), the process proceeds to the next step (S330). If the comparison result is not the same (S322), the same card company 1 name is assigned to the next type of word. Combination (S340) and the client name and name type comparison (S320) proceeds again. In this case, when the number of word types to be compared is smaller than the number of registered words (S341), the name type comparison is performed (S320), and when the number of types compared is not smaller than the number of registered types (S342). Next, the name and type 1 of the card company 2, which is a unique name of the card company, are combined (S350), and the client name is compared with the name type (S320). In this case, if the compared card company's unique name number is smaller than the total registered card company's unique name number (S351), the name type comparison is executed (S320), and the card company's unique name number is not smaller than the registered card company's unique name number (S352). The system administrator checks the client name and additionally registers the name type that needs to be added (S360), and then compares the client name with the name type (S320). The procedure of additional name type registration (S360) is a procedure that can be solved when the name of the initial name type is missing or a change of the client name of the card company occurs.

The settlement data generation step (S400) is compared with the credit card company that requested the deposit generated in the card company information generation step (S300) and the bank account deposit information including the deposit amount and the date of payment, the approval details of the payment agency, and the purchase processing result. Refers to the step of generating settlement data of credit card sales price.

The above step is a feature of the present invention, the method of generating the settlement data of the credit card sales by comparing through the manual work, the sales history of the authorized merchant that the payment agency holds, and the sales history using the DDC service The credit card company that has actually deposited the merchant's financial account on the credit card company's financial account after the purchase request for each credit card company. The step of providing the settlement data by comparing the amount and date of each star with reference to the drawings to be described in more detail through an embodiment of the present invention.

6 is a flowchart illustrating a process of automatically calculating a credit card sales price using bankbook deposit information according to an embodiment of the present invention. Since the procedure from the above procedure to the merchant bank deposit (S37) step is the same as the previous procedure, a separate description of the procedure before the merchant bank account deposit (S37) is omitted.

The payment agency's deposit settlement server 33 receives the bank account deposit details including the deposit date and the deposit amount for each credit card company actually deposited in the merchant's financial account from the merchant's financial institution server 60 (S39) and Compare the deposit scheduled payment date by credit card company and the deposit scheduled amount excluding the card company commission of the purchase processing result (S32) held by the DDC server 32 to confirm whether the actual deposit is completed, and the card company fee to the completed deposit amount. After generating the amount added, and outputting the sales slip provided from the approval server 31 generates a settlement data that can check whether the credit card sales price omission occurred by comparing with the approval amount of the signature (S29) sales history ( S40) to provide the generated settlement data to the merchant (S41). At this time, the method of providing settlement data (S41) can be provided through the merchant payment terminal 10, can be provided using the Internet, it can be provided by mail through the output.

More specifically, for example, a billing agency purchases a credit card sales price of F of a credit card company named B from a merchant A and bills B card company using a billing agency's DDC service, and the billing agency charges a card company fee of H. It is assumed that B has received the purchase processing result including the estimated amount of deposit G and the amount of transfer of purchase J, and the amount I was confirmed as the result of checking the financial account of Merchant A on the expected date of deposit.

Referring to FIG. 7, the payment settlement server 33 of the payment agency has a bank account deposit amount of the I card, which is the B card company, provided by the financial institution server 60 that performs the A merchant transaction, which the DDC server 32 holds. It is checked whether the actual deposit is completed by comparing with the estimated amount of G deposit (S401), and the amount of the completed G amount, the H card purchase fee and the J purchase return amount are added to the F credit card sales price (S402).

As a result of this comparison, the credit card sales price F of member B's credit card company A can generate the settlement data in which the deposit amount A is scheduled to be deposited in the amount I in the merchant's financial account except for the card company fee G and the purchase return amount J. If the comparison is repeated for each credit card company, the generation of credit card sales settlement data generated at Merchant A is completed. If an error occurs in the comparison process (S401), the settlement agency can immediately notify the merchant A to check the missing amount to take action.

By providing the settlement data as described above through various media to merchants, the method of automatic settlement of credit card sales payment using the bank account deposit information of the payment agency is completed.

The detailed description and drawings described above describe the technical idea of the credit card sales payment settlement system and method according to the present invention, and since the best exemplary embodiments of the present invention have been described by way of example, the present invention is provided herein. It is not limited to.

In particular, the operation between the payment agency server and the merchant financial institution server of the merchant as an embodiment of the present invention has been described by way of example in the drawings and detailed description, but may be changed within the scope without departing from the technical spirit of the present invention. . For example, in the present invention, the settlement agency server is configured to generate the settlement data, which can be changed in such a manner as to be generated by a financial institution server or a third server linked to the settlement agency server.

In addition, it is apparent that any person having ordinary skill in the art may make various changes and imitations without departing from the scope of the technical idea of the present invention. Therefore, the scope of the present invention should be determined by the appended claims rather than by the foregoing description and drawings.

1 is a flow diagram illustrating a method of an embodiment of the present invention.

2 is a block diagram schematically showing a credit card payment and DDC service system of a general payment agency.

Figure 3 is a procedure showing a general credit card payment and DDC service method performed by the system shown in Figure 2 and the credit card sales settlement process accordingly.

Figure 4 is a block diagram of a credit card payment and settlement system according to an embodiment of the present invention.

5 is a detailed flowchart of the card company information generation step according to an embodiment of the present invention.

Figure 6 is a procedure showing a credit card payment and DDC service method according to an embodiment of the present invention and the credit card payment settlement process accordingly.

7 is a procedure showing a comparison of the settlement data generated in the settlement data generation process according to an embodiment of the present invention.

Claims (4)

In the system and method, the merchant can automatically compare and settle the credit card sales payments received from the credit card company by comparing the bank account deposit information with the payment agency's purchase result information and approval information. An account information registration step of registering the merchant's financial account information in which the merchant's credit card sales are deposited with a payment agency; A deposit information transmission step of transmitting the bank account deposit information, which is deposited in the registered merchant's financial account, to the settlement agency; A card company information generation step of generating information of a credit card company that the payment agency requested to deposit using the bankbook deposit information; Comprising a payment data generation step of automatically generating the settlement data by comparing the credit card sales payments of merchants by comparing the bank account deposit information of the credit card company and the purchase result information and approval information of the payment agency; Method of automatic payment of credit card sales price using bank account deposit information. The method according to claim 1, In the account information registration step, the merchant registers the merchant's financial account with the settlement agency, so that the settlement agency can use the bank account as a reference value when the payment agency receives bank account deposit information from the merchant's transactional financial institution. Characterized in that Method of automatic payment of credit card sales price using bank account deposit information. The method according to claim 1, Characterized in that the credit card company is determined using the name of the bank account deposit information provided by the merchant financial institution of the merchant in the card company information generation step, Method of automatic payment of credit card sales price using bank account deposit information. The method according to claim 3, In the process of judging the information of the credit card company using the client name, the name of the credit card company is combined with various words representing the deposit of the credit card sales price, and a name type is created and compared with the client name of the bank account deposit information. Judging by the credit card company, Method of automatic payment of credit card sales price using bank account deposit information.

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