KR20110011589A - System and method for payment between affiliated store - Google Patents

Abstract

PURPOSE: A method for performing payment using point cash is provided to exchange point cash or products between franchise stores. CONSTITUTION: If a settlement request in which the payment money is included is received, residual selling point cash of the franchise store and residual purchase point cash of the purchase franchise store are checked(S600-S608). If the residual sales point cash and residual purchase point cash is great than the payment money, the selling commission and purchasing commission is calculated and stored(S610-S618). The approval about the payment is reported to the external device which requested the payment.

Description

System and Method for payment between Affiliated Store}

The present invention relates to a system in which payment is made between affiliated stores using a point cache using a payment system or an internet payment system through a VAN card terminal.

Recently, with the introduction of the concept of electronic commerce, various types of payment methods have emerged and are being put to practical use. Among these, a credit card that enables a user's credit transaction with a postpaid payment method and a prepaid card that allows a user to use within a charged amount with a prepaid payment method may be a representative new payment method that replaces cash.

Prepaid cards are issued by non-financial banks and can be settled for a certain amount, but they will not be recharged after the amount is depleted. Considering these issues, a new rechargeable payment method called electronic wallet or electronic money has emerged. This is an electronic method such as a semiconductor chip that stores a certain amount of value so that it can be used in the same way as cash. The method of using a password and the method of simply using a payment such as a transportation fare or meal, or a combination of these methods can be used. have.

The current term called electronic money means that digital information is used as a means of expressing the value of cash, thereby enabling commerce activities without using money. There are various classifications and types of electronic money, but recently, a debit card issued by a bank or improved to allow the use of the balance of a bank account free of deposit and withdrawal can be used for credit card merchants or online in addition to banking hours. Check cards are used for real-time payments, and because of their real-time payment characteristics, check cards are often considered a typical electronic currency.

As such, payment is made using various payment methods such as cash or credit card when purchasing goods or services in the current distribution structure. In particular, the existing card reward card can be classified into two types.

First, there is a card that discounts a certain amount when purchasing goods at a specific merchant as a discount card. In this case, most discount cards (such as carrier's membership cards) have a low discount rate. Also, there is no discount card for wholesale / retail corporations.

Second, when cash or credit card is used as a cash back card (establishment type card), it is a card that establishes a portion of the spent amount as points and uses the established points as cash. In this case, there are disadvantages in that points are established according to the amount of cash or credit card used, and where the points can be used. Therefore, there is no system that can be used to pay only 100% points in place of cash or credit card currently in use.

The problem to be solved by the present invention is to establish a barter exchange system between merchants to secure the cash flow of the merchants by activating the role of the exchange of their goods or services in each transaction between the merchants, and to activate the transactions between merchants. .

To this end, in the payment management processor of the present invention, when a payment request including a payment price is received from an external device, the method further comprises: checking a remaining sales point cache of a merchant and a remaining purchase point cache of a purchase merchant, wherein the remaining Calculating and storing a selling point cache and a remaining purchase point cache that are not less than the payment price, and selling the selling fee and the buying fee for the transaction price, and notifying the payment request of the payment to the external device that requested the payment. do.

To this end, the payment performance system of the present invention is a van (VAN) server for transmitting the payment approval information requested from the payment merchant terminal, when payment approval information including the payment price is received from the bansa server, the remaining sales point cache of the sales merchant And a merchant management server that checks the remaining purchase point cache of the purchase merchant, and calculates and stores a sales fee and a purchase fee for the transaction price, wherein the residual selling point cache and the remaining purchase point cache are not less than the payment price. .

To this end, the payment performance system of the present invention is an online merchant payment processing unit that transmits the payment authorization information requested from the online merchant server, and when the payment approval information including the payment price is received from the online merchant payment processing unit, the remaining sales point cache of the sales merchant. And a merchant management server that checks the remaining purchase point cache of the purchase merchant, and calculates and stores a sales fee and a purchase fee for the transaction price, wherein the residual selling point cache and the remaining purchase point cache are not less than the payment price. .

The barter system according to the present invention is a system for using the merchant's goods or services through the settlement of the point cash provided by the system when transactions between merchants. Thus, by using point cash in transactions between merchants, each merchant is able to sell or purchase the goods or services it sells at cost, as well as using point cash on behalf of cash or credit cards used to purchase the necessary goods. Cash liquidity can be secured.

In addition, as the transaction between the merchants is activated, it is possible to increase the sales of the merchants and to promote the merchants through the merchant management server.

1 illustrates a barter system according to an embodiment of the present invention.
2 is a block diagram showing the configuration of an affiliated store management server according to an embodiment of the present invention.
3 is another diagram of a barter system according to an embodiment of the present invention;
4 is a flowchart illustrating a process of performing a payment in an offline affiliated store according to an embodiment of the present invention.
5 is a flowchart illustrating a process of performing a payment in an online affiliate store according to an embodiment of the present invention.
6 is a flowchart illustrating an operation performed in a payment management processor according to an embodiment of the present invention.

The foregoing and further aspects of the present invention will become more apparent through the preferred embodiments described with reference to the accompanying drawings. Hereinafter will be described in detail to enable those skilled in the art to easily understand and reproduce through this embodiment of the present invention.

The present invention registers merchants operating wholesale and retail businesses as members of the system in order to exchange necessary goods or services while overcoming the disadvantages of the barter system, and provides the system for transactions between member companies registered in the system. By using the point cash settlement, barter can be made during transactions between member companies.

In other words, the members who have subscribed to the system use the goods or services sold by other member companies as collateral for the goods or services sold by them, and as a point cash cache that multiple member companies use for one member company and provide the amount used by the system. It is a distribution structure in the form of payment.

1 illustrates a barter system between merchants according to an exemplary embodiment of the present invention. Hereinafter, a barter system between different merchants will be described in detail with reference to FIG. 1.

1, the barter system includes a plurality of affiliated stores 100 and 102, a VAN company server 110, and an affiliated store management server 120. Of course, the barter system may include a variety of other configurations in addition to the above-described configuration.

Merchants (100, 102) is registered as a member in the merchant management server 120 to receive the service provided by the present invention. To this end, the affiliated stores 100 and 102 input necessary information to the affiliated store management server 120. The above information includes a member's identifier / password, a business name, a business registration number, an address, a landline telephone number, a mobile communication terminal telephone number, and the like. In addition to the input information, other information may be included in addition to the above-described information. In addition to the required input, additional input information may be determined according to the intention of the affiliated store to be registered as a member.

The affiliated stores 100 and 102 register as members in the affiliated store management server 120 and receive a point cash card from the affiliated store management server 120. The point cash card is provided with a certain point cash depending on the member's level. That is, the affiliated store management server 120 provides a large number of point caches to excellent members, and provides a small number of points cache to new members or members with low grades.

Bansa server 110 performs a function for relaying the transaction requested by the merchant with the merchant management server 120. That is, the bansa server 110 provides transaction information requested by the affiliate to the affiliated store management server 120 and finally performs payment for the corresponding transaction according to whether the payment is received from the affiliated store management server 120. Detailed operations of the bansa server 110 will be described later.

Merchant management server 120 stores the information of the merchant registered as a member, and provides a point cache for each merchant. In connection with the present invention, the affiliated store management server 120 provides a selling point cache and a purchasing point cache for each affiliate store. The affiliated store management server 120 determines whether to approve a transaction by comparing the remaining sales point cache of the merchant and the remaining purchase point cache of the purchase affiliate with respect to the payment requested from the bansa server 110.

2 is a block diagram illustrating a configuration of an affiliated store management server according to an embodiment of the present invention. Hereinafter, the configuration of the affiliated store management server according to an embodiment of the present invention will be described in detail with reference to FIG. 2.

Referring to FIG. 2, the affiliated store management server includes a bansa payment system linking unit 200, an internet payment system linking unit 210, a payment management processor 220, and a database 230. The database 230 includes a member information database 231, a sales point cache information management database 232, a purchase point cache information database 233, a merchant information management database 234, and a merchant fee management database 235. Hereinafter, each configuration of the affiliated store management server will be sequentially reviewed, and the operation of the payment management processor will be described in detail with reference to FIG. 6.

Bansa payment system interworking unit 200 receives a payment request from the Bansa server, and provides whether or not the approval of the requested payment. That is, the bansa payment system interworking unit 200 performs a function of interworking the bansa server and the affiliated store management server.

The internet payment system interworking unit 210 receives a payment request from a server of an internet merchant and provides whether to approve the requested payment. That is, the Internet payment system interlocking unit 210 performs a function of interworking the internet merchant server and the merchant management server.

The member information database 231 stores authentication information including IDs and passwords of members, and personal information including a business name, a business registration number, an address, a landline telephone number, a mobile communication terminal telephone number, and the like. The selling point cache information management database 232 stores information about the selling point cache and the remaining selling point cache provided by each member company. The purchase point cache information management database 233 stores information on the purchase point cache and the remaining purchase point cache provided by each member company. Merchant information management database 234 stores the information of the merchant, such as the location of each merchant, the service or goods to sell, prices, pictures of the merchant. Merchant fee management database 235 stores the sales fee, purchase fee for each merchant. In connection with the present invention, the merchant fee may impose only a sales fee, only a purchase fee, or a sales fee and a purchase fee for each merchant. In addition, the fee rate may be set and stored according to the credit rating of each affiliated store.

3 is a view schematically showing a barter system between merchants according to an embodiment of the present invention. Hereinafter, a barter system between merchants according to an embodiment of the present invention will be described with reference to FIG. 3.

According to FIG. 3, the barter system includes an offline merchant, a card terminal installed at an affiliated store, a bansa server, an affiliated store management server, an online affiliated store, an online affiliated server, and an internet payment system.

Hereinafter, the process of performing a transaction in an offline merchant will be described, and then the process of performing a transaction in an online merchant will be described.

The member who subscribes to the service purchases the goods at Merchant A (offline Merchant) 100 and pays the purchase price with a point cash card. Merchant A (100) is a reader to the card terminal 300 is installed a point cash card provided by the member.

When the card terminal 300 provides the information on the reader's point cash card and the purchase price to the bansa server 110, the bansa server 110 provides the received information to the affiliated store management server 120. The affiliated store management server 120 compares the remaining selling point cache of the affiliated store A 100 with the remaining purchasing point cache of the member and the price of the article to finally determine whether to approve the corresponding payment.

The member who subscribes to the service purchases the goods at Merchant B (Online Merchant) 102 and inputs the relevant information to pay the purchase price with the points cash card. The internet payment system 320 of the affiliated store B 102 provides the affiliated store management server 120 with information about the input point cash card and the purchase price. The affiliated store management server 120 compares the remaining sales point cache of the affiliated store B with the remaining purchase point cache of the member, and finally determines whether to approve the corresponding payment.

As described above, the present invention compares the remaining selling points of the merchant who provided the goods or services with the remaining purchase points of the member who purchased the goods or services and the price of the goods or services to finally determine whether to approve the transaction.

4 is a flowchart illustrating a process of performing a payment in an offline affiliated store according to an embodiment of the present invention. Hereinafter, a process of performing a payment in an offline affiliated store according to an embodiment of the present invention will be described in detail with reference to FIG. 4.

In step S400, the Bansa server requests payment approval for goods or services purchased from an offline merchant to the Bansa payment system linkage unit. Of course, the member who subscribed to the service before the above-mentioned step contacts the point cash card to the card terminal reader of the offline merchant.

In step S402, the Bansa payment system interworking unit requests a payment management processor requesting payment approval from the Bansa server. In step S404, the payment management processor requests the purchase member and sales member information from the member information database.

In step S406, the member information database provides information about purchase members and sales members to the payment management processor. When the payment management processor provided with the member information notifies that the payment is in progress to the bansa payment system interlocking unit in step S408, the bansa payment system interlocking unit notifies the bansa server that payment is currently in progress in step S410.

In step S412, the payment management processor queries the purchase point cache information of the member who purchased the goods or services in the purchase point cache information management database. In step S414, the purchase point cache information management database provides the purchase point cache information of the member who purchased the goods or services to the payment management processor. In step S416, the payment management processor inquires the selling point cache information of the member who sold the goods or services to the selling point cache information management database. In step S418, the selling point cache information management database provides the selling point cache information of the member who sold the goods or services to the payment management processor. If the remaining purchase point cache of the purchased member provided from the purchase point cache information management database and the remaining sale point cache of the sold member provided from the sales point cache information management database are equal to or greater than the payment price, the process moves to step S420.

In step S420, if the payment management processor requests the deduction of the purchase point cache of the corresponding purchase member from the purchase point cache information management database, in step S422, the purchase point cache information management database subtracts the purchase point cache of the corresponding purchase member and provides information on this. To the payment management processor.

In step S424, if the payment management processor requests the subtraction of the sales point cache of the sales member from the sales point cache information management database, in step S426, the sales point cache information management database deducts the sales point cache of the corresponding sales member and provides information on this. To the payment management processor.

In operation S428, the payment management processor calculates a fee for the corresponding payment and requests the storage of the fee calculated by the merchant fee management database. In operation S430, the merchant fee management database stores the fee for the payment.

In step S432, the payment management processor generates the approval number and requests to store payment approval information in the member information database. The member information database stores the payment approval information requested in step S434 and provides the payment management processor that the payment approval information is normally stored.

If the payment management processor notifies the bansa payment system linkage completion in step S436, the bansa payment system linkage notifies the bansa server payment approval in step S438. As described above, the present invention proceeds to the payment at the offline merchant using the purchase point cache and the selling point cache.

5 is a flowchart illustrating a process of making a payment in an online affiliated store according to an embodiment of the present invention. Hereinafter, a process of making a payment in an online affiliated store according to an embodiment of the present invention will be described in detail with reference to FIG. 5.

In step S500, the Internet payment processing unit requests payment approval for goods or services purchased from an online merchant as an Internet payment system interlocking unit.

In step S502, the Internet payment system interworking unit requests a payment management processor requesting a payment approval requested from the Internet payment processing unit. In step S504, the payment management processor requests the purchase member and sales member information from the member information database.

In step S506, the member information database provides information about purchase members and sales members to the payment management processor. The payment management processor provided with the member information notifies that the payment is in progress to the Internet payment system interlocking unit in step S508.

In step S510 the payment management processor queries the purchase point cache information of the member who purchased the goods or services in the purchase point cache information management database. In step S512, the purchase point cache information management database provides the purchase point cache information of the member who purchased the goods or services to the payment management processor. In operation S514, the payment management processor inquires the selling point cache information of the member who sold the goods or services to the selling point cache information management database. In operation S516, the selling point cache information management database provides the selling point cache information of the member who sold the goods or services to the payment management processor. If the remaining purchase point cache of the purchased member provided from the purchase point cache information management database and the remaining sale point cache of the sold member provided from the sales point cache information management database are equal to or more than the payment price, the process moves to step S518.

In step S518, if the payment management processor requests the deduction of the purchase point cache of the purchase member to the purchase point cache information management database, in step S520 the purchase point cache information management database deducts the purchase point cache of the corresponding purchase member and the information about this To the payment management processor.

In operation S522, when the payment management processor requests a subtraction of the sales point cache of the corresponding sales member from the sales point cache information management database, in operation S524, the sales point cache information management database subtracts the sales point cache of the corresponding sales member and provides information on the information. To the payment management processor.

In operation S526, the payment management processor calculates a fee for the corresponding payment and requests the storage of the fee calculated by the merchant fee management database. In operation S528, the merchant fee management database stores the fee for the payment.

In operation S530, the payment management processor generates an approval number and requests to store payment approval information in a member information database. The member information database stores the payment approval information requested in step S532 and provides the payment management processor that the payment approval information is normally stored.

When the payment management processor notifies the Internet payment system interworking unit of the payment completion in step S534, the internet payment system interworking unit notifies the payment approval to the internet payment processing unit in step S536. As described above, the present invention proceeds with the payment at the online merchant using the purchase point cache and the selling point cache.

6 is a flowchart illustrating an operation performed in a payment management processor according to an embodiment of the present invention. Hereinafter, an operation performed in the payment management processor according to an embodiment of the present invention will be described in detail with reference to FIG. 6.

In step S600 the payment management processor is required to approve payment. In step S602 the payment management processor checks the information of the purchase merchant (member) in the member information database, and in step S604 confirms the information of the sales merchant.

In operation S606, the payment management processor checks the remaining purchase point cache of the purchase affiliate in the purchase point cache information management database. In operation S608, the payment management processor checks the residual sale point cache of the sales affiliate in the sales point cache information management database.

In operation S610, the payment management processor determines whether payment approval is possible by checking the sales affiliate information, the purchase affiliate information, the remaining sales point cache of the sales affiliate, and the remaining purchase points cache of the purchase affiliate. If it is determined that payment is possible, the payment management processor moves to step S612, and if payment is not possible, proceeds to step S624.

In operation S612, the payment management processor subtracts the corresponding transaction price from the remaining purchase point cache of the purchase affiliate, and in step S614, the corresponding transaction price is subtracted from the residual sales point cache of the sales affiliate. Of course, the payment management processor moves to step S624 if the remaining purchase point cash or the remaining selling point cache to be deducted.

In operation S616, the payment management processor calculates a purchase payment fee and stores the corresponding purchase payment fee in the merchant fee management database. In operation S618, the payment management processor calculates a sales payment fee, and stores the corresponding sales payment fee in a merchant fee management database.

The payment management processor generates a payment approval number in step S620, stores the information about this in the member information database, and provides payment approval information to the outside in step S622. Of course, the payment management processor provides a payment approval rejection notification to the outside when payment approval is impossible.

As described above, the present invention is settled only when the remaining selling point cache of the selling merchant and the remaining buying point cache of the buying merchant are equal to or larger than the transaction price. Therefore, the affiliated store of the service must always manage the purchase point cache and the selling point cache in order to perform payment, and if any one of the purchase point cache and the selling point cache is insufficient, a smooth transaction cannot proceed.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it will be understood by those of ordinary skill in the art that various changes in form and details may be made therein without departing from the scope of the present invention .

100: offline merchant 102: online merchant
110: Bansa Server 120: Merchant Management Server
200: Bansa payment system linkage unit 210: Internet payment system linkage unit
220: payment management process 230: database

Claims (11)

How to make a payment in the payment management processor,
When the payment request including the payment price is received from the external device, checking the remaining selling point cache of the selling affiliate store and the remaining purchasing point cache of the purchasing affiliate store;
Calculating and storing a selling fee and a buying fee for the transaction price, wherein the remaining selling point cache and the remaining buying point cache are not less than the payment price;
And notifying the approval of the payment to the external device that has requested the payment.
The method of claim 1, wherein if the remaining selling point cache and the remaining purchasing point cache are not less than the payment price, the fee is calculated after deducting the payment price from the remaining selling point cache and the remaining purchasing point cache. How to make a payment.
The method of claim 1, wherein when a payment request including a payment price is received from the external device, information of the selling affiliated store and the purchased affiliated store is checked.
The method of claim 3, wherein the affiliate store information includes information regarding whether the affiliate store is a registered affiliate store.
The method of claim 1, wherein when the remaining selling point cache and the remaining purchasing point cache are less than the payment price, the external device is notified of the rejection of the payment.
Van company server for transmitting the payment approval information requested from the merchant terminal;
When the payment approval information including the payment price is received from the bansa server, the remaining selling point cache of the merchant and the remaining purchase point cache of the purchase merchant is checked, and the remaining selling point cache and the remaining purchase point cache are less than the payment price. And a merchant management server for calculating and storing a sales fee and a purchase fee for the transaction price.
The method of claim 6, wherein the affiliated store management server,
When the payment approval information including the payment price is received from the bansa server, a payment management processor for determining whether to approve the payment using the payment price, the remaining sales point cache of the merchant and the remaining purchase points of the merchant; Payment execution system, characterized in that including.
The method of claim 7, wherein the merchant management server,
A member information database storing information of the affiliated store;
A selling point cache information management database storing selling point cache information of the affiliated store;
And a purchase point cache information management database storing the purchase point cache information of the affiliated store.
The method of claim 8, wherein the affiliated store management server,
And a merchant fee management database for storing sales and purchase fees for each merchant.
The system of claim 9, wherein the affiliated store includes an offline affiliated store or an online affiliated store, and the affiliated store receives a sales point cache and a purchase point cache from an affiliate store management server.
An online merchant payment processing unit transmitting payment authorization information requested from the online merchant server;
When the payment approval information including the payment price is received from the online merchant payment processing unit, the remaining sales point cache of the merchant and the remaining purchase point cache of the purchase merchant are checked, and the remaining sales point cache and the remaining purchase point cache are the payment price. And a merchant management server which calculates and stores a sales fee and a purchase fee for the transaction price.

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