KR20110093288A - System and method for depositing immediately credit card sales of small entity - Google Patents

Abstract

PURPOSE: A credit sale direct deposit system of small merchants and industrialists and method thereof are provided to enable small merchants and industrialists to smoothly perform cash flow of credit sale by realizing direct deposit function automatically matching with intrinsic confirmation number information that is generated after normal payment. CONSTITUTION: A card reader(10) stores transaction basic information of small merchants and industrialists. A terminal device(20) receives the transaction basic information from the card reader. When direct deposit request information is inputted through the input unit, the terminal device creates transaction approval request statement about the direct deposit. The terminal device transmits the created whole statement to a credit card company and a VAN company or a separate calculation server(40).

Description

System and method for depositing immediately credit card sales of small entity

The present invention relates to a direct deposit system for small businesses, and more particularly, to implement a direct deposit function that can be selectively selected through a separate terminal device or an accessory device when a general payment is made in the existing card inquiry machine. Therefore, the present invention relates to a direct deposit system and a method for providing a small business to improve the liquidity of the sales funds by providing a function of arbitrarily selecting a deposit time of card sales to a small business that has entered into a franchise agreement with a card company.

The present invention relates to a direct deposit system and a method for small business.

In accordance with the government's mandatory registration of card merchants and credit card incentives, which have been in effect since 2001, the amount of money used by cardholders in 2.8 million credit card subscription merchants in 2008 amounted to 300 trillion won (Press Release of October 29, 2008) It is settled as a firm payment method.

This is limited to credit cards (BC Card, FX Card, Kookmin Card, Shinhan Card, Samsung Card, Hyundai Card, Lotte Card) operated by seven credit card companies, and other 19 financial institutions and merchant recruitment and cash services. It is a statistic that small business owners have requested the transaction approval from credit card companies through the VAN company's credit terminal device that relays credit cards issued by 37 distributors of credit card companies.

However, small businesses have a high commission amounting to 2.0-4.8% of the payment amount, but the transaction approval amount is deposited into the merchant account after a week's period, so that in the times of the economic downturn, there is no smooth execution of funds. Compared to developed countries (2% of card fees in developed countries, the deposit cycle is usually the next day), they are having a lot of difficulties in operating business funds, which has led to small and mid-sized businesses that have to develop into small and medium-sized businesses falling behind the competitiveness of merchants in developed countries. It is working until now.

Therefore, as one of the ways to solve the above problems, the payment of merchants in accordance with the use of credit cards, such as domestic patent application No. 1999-60068 (name: credit card immediate payment system) can be settled immediately after credit transaction approval. A system has been proposed.

The method specified in the above application is a data that simply aggregates the total sales of the merchant's day separately from the transaction approval by the credit card company when the customer makes a payment using the credit card at the merchant using a VAN (Value Added Network) network and the Internet. It is limited to the loan method based on it.

However, in the case of the above-mentioned invention, each small business cannot use the existing general payment credit terminal device and purchases and uses only the direct deposit credit card inquiry machine provided by the previous applicant at high cost. It is an offense under the Electronic Financial Business Act, which simply collects a large amount of interest income by lump-sum loan with the total amount of credit sales of the merchant on the day without any significant change, and delegates account management of the merchant to the service provider on the system. There is a box. In addition, there is a lack of a business model linked to the financial institutions involved, and since the deposit and recovery of the total number must be made, there is a possibility of insolvency of the loan and loss of merchants due to manager's mistake and system failure. Have a problem.

Therefore, the present invention has been made to solve the conventional problems as described above, the object of the present invention is to provide a conventional general payment function through the terminal device developed separately from the card inquiry machine used by small businesses without replacing the card inquiry machine In addition, by devising a unique program and device that can implement the function of automatically generating a selective direct deposit message by automatically matching with the unique approval number information generated after performing a general payment, According to the present invention, it is possible to smoothly liquidate and secure a new customer as well as a significant increase in receipts because it has the advantage of being linked to the sales account when it is linked with this system in the role of existing simple deposit and withdrawal in a financial institution (bank). Task is to differentiate small businesses from existing systems It has to implement a payment system for direct sales.

According to a feature of the present invention for achieving the object as described above, the present invention requests the approval of the general payment to the credit card company server, and when the transaction is approved, the transaction basic information including the credit card company server or transaction unique approval number The card lookup machine is stored; A terminal device connected to the card checker and receiving basic transaction information from the card checker, and receiving the direct deposit request information through an input unit, generating a transaction approval request message for the direct deposit to a credit card company or a settlement server; A credit card company and a separate settlement server that transmits the approval result information to the terminal device in response to receiving a transaction approval request message for direct deposit from the terminal device, and provides money transfer information to a financial institution server; And a financial institution server processing an automatic transfer service to a payment account of a small business based on the amount transfer information provided from the credit card company and the settlement server.

In this case, the amount transfer information, financial institution name, approval number information, transfer due date information, transfer amount information, payment account information of the merchant to be transferred, the transfer deadline information of the direct deposit, the key input unit of the terminal device It is desirable to receive input through.

On the other hand, the credit card company or settlement server, when receiving a transaction approval request for the direct deposit from the terminal device, after confirming the transaction approval request for the direct deposit, and transmits the approval result to the terminal device, financial The institution server generates money transfer information for automatically depositing the corresponding amount in the payment account of the merchant at the set transfer date input through the key input unit of the terminal device and transmits it to the financial institution server.

And the terminal device, a data reading unit for receiving the basic information of the transaction of the card inquiry machine used by small businesses; A key input unit for receiving data on a direct deposit function; A display unit for displaying a process of performing a direct deposit request; A memory in which a direct deposit program is stored so that the direct deposit function is executed; A printer for outputting a result of performing the direct deposit; Communication unit for performing communication with credit card company and VAN company or settlement server; If a direct deposit request is input using the direct deposit program stored in the memory, the central processing unit for generating a transaction approval request for the direct deposit is processed to be transmitted to the credit card company and VAN company or settlement server.

The key input unit may include a direct deposit execution unique function button for requesting a direct deposit, and the direct deposit function may be embedded in a separate terminal device or an existing terminal.

According to another feature of the present invention for achieving the object as described above, the present invention (A) the card query requestor for the approval of the general payment to the credit card company server, the transaction basics including the authorization number from the credit card company server Receiving the information and storing the credit card company server and the credit card inquiry machine; (B) the terminal device of the present invention is provided with the basic transaction information from the card inquiry machine, the direct deposit request for the transaction and the transaction information through the key input unit; (C) the terminal device using the information received in the step (B) to generate a unique transaction request for the direct deposit to transmit to the credit card company or settlement server; (D) the credit card company or the settlement server to transmit the full approval result in response to the transaction approval request for the direct deposit of the step (C) to the terminal device; (E) when the transaction approval for the direct deposit is completed by the credit card company or the settlement server by the step (D), transmitting the transfer message input through the key input unit of the terminal device to the financial institution server; And (F) the financial institution server transferring the settlement amount to the account of the small business merchant based on the direct deposit information input by the step (E).

In this case, the amount transfer information includes the financial institution name, unique approval number information, transfer due date information, transfer amount information, the payment account information of the merchant to be transferred, the transfer deadline information through the key input unit of the terminal device automatic transfer deadline It is desirable to receive the input.

According to the present invention as described above, the present invention can select the payment financial institution through the terminal device function developed separately from the existing card inquiry machine, and after performing the general payment with providing the existing general payment function By implementing a direct deposit function that is automatically matched with the unique approval number information generated, it can be used conveniently, it can provide a selective direct deposit system for small businesses that can facilitate the capital management of credit sales if necessary.

1 is a system diagram showing the overall configuration of a selective direct deposit system of small merchants in a preferred embodiment of the present invention.
FIG. 2 is a block diagram illustrating an internal configuration of the terminal device of FIG. 1. FIG.
Figure 3 is a flow chart showing the operation of the direct deposit system for small merchants in a preferred embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of a direct deposit terminal device for a small business according to the present invention as described above will be described in detail.

1 is a system diagram showing the overall configuration of the direct deposit system of the present invention, Figure 2 is a block diagram showing the internal configuration of the terminal device of FIG.

Referring to FIG. 1, the present invention approves a transaction for a card lookup machine 10 used by a small business that has signed a contract with a corresponding credit card company so that various credit cards can be used and a credit card used by the small business. The credit card company server 30 and the financial institution server 50 that transfers a predetermined transaction amount to the account of the small business in accordance with the request of the credit card company 30 or settlement server.

In more detail, when the customer provided with the commerce service uses the credit card, the small business may use the card lookup machine 10 possessed by the small business to make a transaction for the customer credit card to the credit card company server 30. After requesting the approval, the credit card company server 30 checks the validity of the customer credit card requested through the small business card inquiry machine 10, determines whether to approve the transaction result of the small business card inquiry machine (10) and the small business card lookup machine 10 is notified of the approval result and provides the transaction details to the customer.

In this case, the transaction details include the card type of the credit card, member information, transaction date and time information, transaction type information, payment amount information, merchant information, merchant business information, merchant address information, authorization number information, etc. In the 10, only the relevant transaction history information that allows the sales management in the affiliated store, which normally excludes the card information of the customer, is stored. In addition, although there is a difference depending on the memory capacity of the card lookup 10, the basic sales information of about 1,000 merchant merchants is stored and stored.

After that, if a small business wants to receive a payment at a desired time in the business operation without waiting for each card company's payment cycle of 3 to 10 days, select the direct deposit button in the terminal device 20 of the present invention and want to receive the deposit When the time is set, the terminal device 20 receives a unique authorization number from the card inquiry machine 10 in use, generates a transaction approval request message for direct deposit, and reconfirms the credit card company or settlement through a small business. The transaction approval request for the direct deposit is sent to the server 40. At this time, the terminal device 20 includes a direct deposit function button for requesting a direct deposit, and the direct deposit function button may be embedded in an existing card searcher.

 In addition, it has a unique function that can pre-select the financial institution when receiving the direct deposit transfer information through the key input unit.

The direct deposit amount transfer message is transmitted from the credit card company 30 or the settlement server 40 to the financial institution server 50 again. At this time, the full amount of money transfer includes the financial institution name, unique approval number information, transfer due date information, transfer amount information, payment account information of the merchant to be transferred. And direct deposit transfer is automatically deposited every 30 minutes as set in the terminal device. Fees are differentiated by time zone, so you can select and use them if necessary.

That is, under the control of the credit card company 30 and the settlement server 40, the financial institution server 50 automatically transfers money at a time set as a payment account of the small business based on the direct deposit amount transfer information provided from the terminal device.

Hereinafter, an internal configuration of a terminal device according to a preferred embodiment of the present invention will be described with reference to FIG. 2.

In the present invention, a direct deposit system having a function of arbitrarily selecting a direct deposit time with a financial institution can be implemented using a terminal device 20 that is separately developed. The terminal device 20 includes a data reading unit 21, a printer 22, a display unit 23, a key input unit 24, a memory unit 25, a program memory 26, a work memory 27, and a communication unit. 28, a central processing unit 29.

The data reading unit 21 reads the merchant transaction basic information including the authorization number recorded in the internal memory chip of the general card inquiry machine, and the printer 22 prints the deposit application and the transaction completed details. (23) displays in real time the message required to generate a direct deposit message, the information transmitted and received from the credit card company 30 and the settlement server 40 or the direct deposit processing status of the financial institution in real time.

The key input unit has a function button for setting the direct deposit selection and the deposit request time. In this case, the performing function button may be provided as a fluorescent button or a touch panel to which light and a fluorescent material are coated.

The memory unit 25 stores information necessary for the operation or inquiry of the terminal device 20, the program memory 26 storing a program for performing the direct deposit function, and information or transactions read by the data reading unit. It is provided with a work memory 27 for temporarily storing information.

The communication unit 28 is provided with a modem or LAN card to perform communication with the credit card company 30 and the settlement server 40 through a communication network or a dedicated line, but under the control of the central processing unit 29 request for transaction approval for direct deposit. The full text is transmitted to the credit card company 30 and the settlement server, and receives the transaction result and transmits it to the central processing unit 29.

The central processing unit 29 performs a command by generating a direct deposit request message (including deposit time setting) to the credit card company 30 and the settlement server using a program stored in the memory unit 25.

In addition, the central processing unit 29 controls the printer 22 to process the result of the normal communication for the direct deposit from the credit card company 30 and the settlement server 40 and the direct deposit transaction statement is output by day. .

The central processing unit 29 as described above processes the overall operation of the terminal device 20 so that various functions related to direct deposit are performed, and may be formed of a microprocessor or a digital signal processor (DSP).

Hereinafter, the operation process of the direct deposit system for small business according to the present invention will be described in detail with reference to FIG.

Figure 3 is a flow chart showing the operation of the direct deposit system for small merchants in a preferred embodiment of the present invention.

In the following description, a dedicated OS program for performing a direct deposit function is stored in the terminal device 20 connected to the general card inquiry machine 10 of a small business to help understand the description.

First, let a specific customer with a credit card request payment of a transaction amount by presenting his or her credit card to pay for a transaction for goods or services such as goods purchase or service service provided by a small business. When the small business is using the credit card checker 20 to read the credit card information presented by the customer to the credit card company 30 requests the transaction approval for the customer credit card (step S10).

After the transaction approval is completed, basic information of the merchant including the authorization number (the customer card-related information cannot be present in the risk management, and the transaction date, the transaction approval number, and the amount of the sales information of the small business in the memory unit of the card inquiry machine 10). Is being saved) is stored about 1000 default.

Subsequently, when a small business selects a desired financial institution without waiting for a deposit time of an existing card company and sets a desired deposit date and a deposit time, the central processing unit 29 of the terminal device 20 connected with the corresponding card inquiry machine 20 searches the card. After receiving the basic transaction information from the machine 10 and temporarily storing it in the working memory, the direct deposit transaction request information (eg, financial institution, unique approval number, date of deposit / date of deposit, etc.) input through the key input unit is worked. Temporarily store in the memory (step S11).

When the input of the button of the key input unit 24 of the terminal device 20 is detected, the central processing unit 29 combines the temporarily stored direct deposit transaction information and prepares the transaction approval request unique message for the direct deposit (step S13). .

Thereafter, the central processing unit 29 controls the communication unit 28 to transmit the transaction approval request text for the direct deposit made by the step S13 to the credit card company 30 and the settlement server 40 to request the transaction approval ( Step S14).

Then, the credit card company server 30 and the settlement server 40 receives the transaction approval request text for the direct deposit, and determines the information such as customer information, request transaction information, etc. included in the transaction request text, the unique transaction approval number is Notify the terminal device 20 of the small business to include the approval result information included in the approval process.

Subsequently, the terminal device 20 of the small business company 10 notified of the approval result information from the credit card company 30 and the settlement server 40 may print and output the transaction statement to the printer 22. (Step S15).

In addition, the credit card company 30 and the settlement server 40 notifies the small-business side terminal device 20 of the approval result information as described above, and at the same time, using the transaction approval request text obtained in step S14, direct deposit. Generates the full text and transmits it to the financial institution server 50.

The amount transfer information includes financial institution information, approval number information, transfer due date information, transfer amount information, merchant's payment account information, and in detail, the transfer deadline information of direct deposit is automatically deposited as set in the terminal device for each small business .

When requesting a direct deposit as described above, the merchant must enter the financial institution, the unique approval number and the deposit time set to request a direct deposit through the key input unit of the terminal device 20, and then press the direct deposit input button do.

As described above, when the terminal device 20 receives the approval number and the transfer amount information from the user, the central processing unit 29 prepares the full payment request approval request message for the case (step S15).

The credit card company 30 and the settlement server 40 which received the transaction approval request text for the direct deposit as described above are unique after confirming the amount transfer information including the financial institution and the authorization number information obtained by step S16. It transmits the presence or absence of normal processing to the terminal device, including the approval number, and transmits to the financial institution server (50).

Then, the financial institution server 50 processes the payment amount to be deposited into the payment account of the small business owner based on the amount transfer information (step S19).

The rights of the present invention are not limited to the embodiments described above, but are defined by the claims, and a person skilled in the art can make various modifications and adaptations within the scope of the claims. It is self-evident.

10: small business 20: terminal equipment
21: data reader 22: printer
23: display unit 24: key input unit
25: memory 26: program memory
27: working memory 28: communication unit
29: central processing unit 30: credit card company
40: settlement server 50: financial institution server

Claims (7)

A card lookup device for requesting approval for general payments from a credit card company server and storing transaction basic information of a micro-commercial that includes a transaction number authorized by a credit card company and a credit transaction that owns the transaction information when the transaction is approved;
When connected with the card inquiry and receives the basic transaction information from the card inquiry machine and receives the direct deposit request information through the input unit to generate a transaction approval unique request for the direct deposit to transmit to the credit card company and VAN company or a separate settlement server Terminal equipment;
A credit card company and a settlement server which transmits the approval result information to the terminal device in response to receiving the direct deposit request transaction request message from the terminal device, and transmits the money transfer information to the financial institution server; And
A small-business merchant direct deposit system comprising a; financial institution server that automatically transfers to the payment account of the small business based on the amount transfer information provided from the credit card company and the settlement server.
According to claim 1, wherein the amount transfer information,
It includes the unique financial institution, unique authorization number, transfer due date information, transfer amount information, payment account information of the merchant to be transferred,
A financial institution selective credit card sales direct deposit system for a small business, characterized in that the name of the financial institution and the transfer deadline information of the direct deposit is received through a key input unit of the terminal device.
According to claim 2, wherein the credit card company, VAN company, settlement server
When receiving the transaction approval request text for the direct deposit from the terminal device, after confirming the transaction approval request text for the direct deposit, transmits the approval result for the direct deposit transaction request text to the terminal device, the payment account of the small business Selective direct deposit system for small businesses, characterized in that for generating the financial transfer information based on the financial information generated through the key input unit of the terminal device to the financial institution server.
The method of claim 1, wherein the terminal device,
A data reading unit for receiving the basic information of a transaction of a card inquiry machine which small businesses are using;
A key input unit for receiving basic deposit request data;
A display unit for displaying a process of performing a direct deposit request;
A memory in which a direct deposit program is stored so that the direct deposit function is executed;
A printer for outputting a result of performing the direct deposit;
Communication unit for performing communication with credit card company or VAN company, settlement server; And
When the direct deposit request is input using the direct deposit program stored in the memory, the central processing unit for generating a transaction approval request for the direct deposit and processing to be transmitted to the credit card company, VAN company, settlement server; Direct deposit system for.
According to claim 4, In addition to the terminal device of the present invention that implements a selective direct deposit function of small and medium-sized business by connecting to a card inquiry machine that is being used as a separate terminal device, the function of the terminal device can be integrated into the existing card terminal integrated Direct deposit system for small business, characterized in that.
(A) the card inquiry request to the credit card company server for approval of the general payment, and receives the transaction basic information including the authorization number from the credit card company server in response;
(B) the terminal device receiving the basic information of the transaction from the card inquiry machine, receiving a direct deposit request for the transaction and the financial information for the transaction through the key input unit;
(C) the terminal device using the information received in the step (B) to generate a transaction approval request for the direct deposit to send to the credit card company and VAN company or settlement server;
(D) the credit card company, VAN company, the settlement server transmitting the approval result in response to the full transaction approval request for the direct deposit of step (C) to the terminal device;
(E) When the credit card company or VAN company, the settlement server has completed the transaction approval for the direct deposit by the step (D), the transfer amount is entered into the payment account of the small business owner through the key input unit of the terminal device Generating financial information for depositing and transmitting the financial information to the financial institution server; And
(F) the financial institution server, the step of transferring the payment amount to the account of the small business merchant based on the amount transfer information input in the step (E); the direct deposit processing method of the direct deposit system for a small business.
The method of claim 6,
The financial information,
It includes the unique financial institution, authorization number information, transfer due date information, transfer amount information, payment account information of the merchant to be transferred,
The direct deposit processing method of the financial institution selective direct deposit system for a small business, characterized in that the financial information of the direct deposit is received through the key input unit of the terminal device.

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