KR20120034178A - The risk management method by the merhant and transaction evaluation model in loan service with credit card receivables as collaterial - Google Patents

Abstract

PURPOSE: A risk management method for the credit card receivable secured loan service with a member store transaction evaluating model is provided to evaluate credit card transaction through a member store transaction evaluating database and mediate the loan repayment process in real time by a mediator, thereby appropriately evaluating the present and future value of the member store. CONSTITUTION: A loan service provider inputs basic evaluation data of a credit card member store in a mediator server. The mediator server collects the transaction data of the member store and constructs a member store evaluating database. The mediator server transmits evaluation data to a credit finance company. The credit finance company determines whether to provide the credit card receivable secured loan service based on the member store evaluation data.

Description

{The risk management method by the merhant and transaction evaluation model in loan service with credit card receivables as collaterial}

In order to reduce the risk of recovery in credit card receivable security loan service, it relates to risk management method through evaluation model of credit card (referred to as credit card) card payment merchants and transactions. The credit card sales transaction is made according to the approval of the credit card company (hereinafter referred to as the card company) as the credit card authorization request is transmitted from the terminal of the credit card merchant (hereinafter referred to as the merchant) to the VAN company server. In credit card receivable collateral loan services, such as immediate payment or credit card factoring; If the transaction approval is canceled from time to time, a false transaction or duplicate transaction may occur, and if the payment is not made properly from the card company to the merchant, the lender who provided the loan service may not be able to recover the loan. Therefore, in implementing the above financial services, a real-time merchant transaction evaluation server is placed on the mediator server that arbitrates it, thereby immediately evaluating the merchant and each transaction occurring, and then performing a credit card mortgage loan service limited to the transactions that have been evaluated. This technology has the advantage of expanding loans' participation in lending services by providing a way to reduce the risk of loans from loans that may occur later.

According to the government's policy of enlisting merchants and encouraging card merchants from 2001, the number of merchants at the end of 2009 was 1656 million and the number of issued cards was 10.69 million, which is 4.4 times the domestic economic population and the amount of card use was 454. Credit card is firmly settled as a payment method, reaching KRW trillion and accounting for 52.60% of total private consumption.

In addition, the number of small and medium-sized business owners is increasing rapidly due to the retirement of baby boomers, while banks have a high threshold for borrowing operating funds or business slumps, and high interest rates that are difficult for the second financial sector or loan companies to afford. Due to the double worries. In addition, the delinquency rate of financial institutions that loaned funds has risen due to the growing debt of small and medium-sized self-employed workers, and financial institutions are also in danger of insolvency. Therefore, by developing a new loan product for small and medium-sized business owners who have little financial collateral except credit card receivables, it is necessary to reduce the cash liquidity burden of self-employment and to help the financial institution's delinquency rate and stimulus. To realize that, it is necessary to first provide the creditor with a method of managing the risk of recovery of the new loan.

In general, customers register as card members and receive cards, and goods or service providers register as card merchants. Customers use the issued cards to make payments.

When the customer makes a card payment, the merchant requests the card company to approve the transaction for the use of the card through VAN (Vansa) communication network or the Internet for approval of payment through a dedicated terminal device such as a card inquiry machine. If there is a transaction approval from the card company, Ban will notify the merchant and make a payment between the customer and the merchant. After that, unless there is a special card accident or cancellation of the transaction, the merchant will pay the fee from the card company after 3 to 9 days. The amount will be received via bank deposit. Then, the card company is paid by the monthly closing claim to the customer, that is, the credit card holder.

However, small and medium-sized business owners have difficulty in executing smooth working capital because they receive deposits from credit card companies after paying high fees of 2.0 ~ 4.8% of sales and services after an average of 5 days or more. In addition, a separate payment can be used as soon as the next day of receiving the approved amount of use, and this is a short-term loan method based on a simple aggregate data of the day's total sales.In contrast, a loan product or a management method secured by credit card receivables is described below. Not much developed together.

 1. Domestic Patent Registration No. 10-0414050, immediate payment system for credit card merchants and their processing method, Nov. 16, 2000, application, Baro.com Co., Ltd., extinction

 2. Domestic Patent Registration No. 10-0339285, Immediate Payment System and Method for Card Merchants, Oct. 15, 2001, Application, Lee Jong Soo, Registration

 3. Domestic Patent Application No. 10-2003-0063215, Risk Management Method through Restriction on Approval Cancellation of Immediate Payment System, September 9, 2003, Application, Cash Plus, Registered

4. Domestic Patent Application No. 10-2010-0013232, Credit Sales Direct Deposit System and Method of Small Business, 2010.02.12.Application, Government Bridge, Disclosure

The technology described in 1 above has been extinguished because the registration fee has not been paid. When the card company approves the use of the card, the immediate payment system, which simultaneously acts as a VAN company, is immediately deposited by the payment bank for each transaction. This may be difficult to apply because it has disadvantages that do not match the existing banking and bansa business processes. And the technique of 2

Set up a separate instant payment system (relay server) to collect transaction approvals, and the bank transfers the bank's server immediately to the merchant account during the business hours and the virtual account assigned for the relay server the next day to the merchant account. The transfer results are different in that the method of notifying the merchant through the company is different from the above-mentioned technique, and the payment for transactions occurring outside the bank's business hours, which is not immediately immediate in strict meaning. While it seems that the technology of 1 is an improvement, it also has little practical feasibility because it does not fit in with the bank's business process at all.

The above 3 technology relates to a risk management method through the restriction on the cancellation of the approval of the immediate payment system.If the merchant receives the instant payment service and cancels the transaction approval, the risk occurs at the merchant, so the cancellation period for the cancellation of the transaction approval is cancelled. It relates to a method of limiting the number of possible management. However, since the instant payment system does not play a role of a bansa as shown in 1, but the relay server is set as shown in 2 above, the instant payment system may substantially limit the cancellation period or the number of times of cancellation of transaction approval in the immediate payment system. The disadvantage is that it can't be. In addition, it is questionable how much the merchant risk is reduced by limiting the number of times or the number of times of approval cancellation, and the cancellation of transaction approval is a negative settlement from the payment amount on the same day. I doubt it.

The disclosed technique of 4 is provided with a card inquiry terminal device having a function of requesting a merchant to deposit a deposit immediately, which is another expression of immediate payment, and through the terminal device, a particular card sales transaction and a desired need for securitization. Free choice of deposit time. However, this has a disadvantage that it does not fit at all with the existing credit card company-bank processing process. If the existing card company-bank can operate a business process that can directly deposit or transfer the money by specifying the time as described above, the logic is that it can be operated as a direct deposit system. In order to settle the price, the card company should provide a separate server directly, which is unlikely to be implemented.

However, since domestic loans are mainly secured by sales, assets, real estate, or personal credits, there are no products or services that are loaned with the cash flow of credit card receivables.

A similar loan service is factoring service, which is mainly caused by the purchaser's order from the commerce between companies, and when the seller delivers the goods to the buyer, the trade receivable occurs. Instead of transferring bonds to factoring companies (capital companies) as collateral, they will receive credit loans. And there are very few capital companies in Korea that lend credit card receivables as collateral.

In addition, in the case of developed countries, loan interest is not only very low, but also factoring services are secured by the accounts receivable. Furthermore, the financial technique called MCA (Merchant cash advace), which loans future sales as collateral, is very developed. It is. In other words, MCA is very advanced in introducing loans by evaluating and managing ACH (Automated clearing house) unique to each loan company, which flexibly adjusts loan interest rate and recovery method based on future cash flow rather than customer guarantee or collateral. It is a financial technique and no domestic credit company has introduced it.

However, according to the inventors of the present invention, the evaluation by the ACH is usually 7 to 20 days, although the evaluation data are not directly provided to the customer.

The present invention has been conceived to introduce and activate personal credit or mortgages and credit card accounts receivables loan products or services for merchants, especially small and medium-sized business owners, which are difficult or lacking in credit financing. No matter how many, if the creditors who provide them believe that the risks are high and avoid them, there will be no supply.

Therefore, in order to reduce the risk of recovery due to the loan service provided by the lender, it was necessary to first provide a recovery risk management method for the creditor through the evaluation model of the credit card merchant and the transaction.

In order to meet the above requirements, the credit card authorization request is transmitted from the merchant terminal to the bansa server through the communication network, and the credit card sales transaction is made according to the card company's approval. In the credit card receivable collateral loan service, such as settlement or credit card factoring, transaction approval may be canceled from time to time, and false transactions and duplicate transactions may occur. As a creditor who provided loan services with collateral, the loans could be seriously damaged and the management method should be taken first. Therefore, in performing financial services based on credit card transaction receivables, the mediator server intervening this conducts the cancellation of approval, repetition and suspicious transaction of each card sales transaction, and the feedback of the merchant business, size of business, day of week, Real-time franchise transaction evaluation server that prepares and reviews time series data such as seasons and regional and management minds such as management's mindset is used for real-time evaluation of each occurred transaction as well as proper evaluation of merchants in advance. After this, a credit card mortgage service can be implemented to reduce the risk of the credit card's unrecoverable risk.

Accordingly, the object and features of the present invention relates to a method for effectively solving the above problems, which will be clearly described through the following description and specific embodiments.

According to the features of the present invention for achieving the problem to be solved by the present invention as described above, looking at the present invention in each step, the operating step of the loan service as a basic step is that the merchant will receive credit card receivables security loan service When the employee asks the credit card, the mediator server (hereinafter referred to as the mediator) located in the middle of the merchant-bansa-card company-bank-credit company evaluates the merchant and approves the acceptance of the credit card. After confirming the acceptance of the agreement, and notifying the merchant through the mediator server.

When the mediator reviews or evaluates whether or not the loan service is granted to the merchant, the loan service salesperson receives the business registration certificate from the merchant and inputs the type of business, opening date and address into the intermediary server, and separately evaluates and observes the management. After inputting, the mediator who received it is obtained 6 months of approval and deposit and purchase information of the affiliated store from the merchant sales transaction information integrated inquiry system provided by the Credit Finance Association, and then obtains 12 months of performance information and then standardizes data by industry and region. Based on the analysis, the member's yearly seasonality, day of the week, and time series are analyzed.

Through the above process, the arbitrator can complete the evaluation of the affiliated store in a short period of time, and the evaluation data is periodically reflected from time to time in the future transaction process to maintain proper evaluation data for the affiliated store at all times.

Through the affiliated store evaluation step, the mediator notifies the creditor of the evaluation data such as the ratings of the affiliated stores, and whether or not the creditor's acceptance is granted based on the created merchant analysis data.

The credit card mortgage loan service of the merchant and the acceptance process of the credit card can not be done immediately, but within two to three days through the mediator to allow the merchant and bansa to be simultaneously noticed.

As described above, the next step in which the credit transaction and the merchant's card transaction account receivable collateral loan service contract is concluded is the stage where the loan service is executed. If the request is approved and approved by the merchant, including the approval date, approval number, and authorization amount, the merchant will issue a sales slip and issue it to the customer.

In this case, the arbitrator handed over the card number from Bansa to the card payment data (Bansa does not hand over all 16 characters, but can distinguish them), approval date, authorization number, and authorization amount. Program the process of checking and verifying the data against duplicate data, recurring transactions with a specific card, payment over a set threshold, or data with a false card.

However, in the case of poor merchants, even though there was no real transaction, they could receive the transaction approval amount from the credit card company by paying with their own or employee's credit card, etc. In this case, since the merchant has unpleasant malice, it is extremely normal. As Saga continues to maintain loan services to its merchants, there is a risk that the risks of paying back the loans will be reduced.

Since such patterns of false transactions are likely to be represented by repetition or use of abnormal amounts by the same card, it is very important to introduce a verification process for comparing and reviewing transaction approvals each time.

As for the transaction data verification process according to the present invention as described above, there is no mention in the conventional inventions described above. Notably, domestic patent application No. 10-2003-0063215 proposes a risk management method through the restriction on the cancellation of the approval of the immediate payment system.If the transaction is approved after the transaction is approved as described above, it is approved from the payment amount of the immediate payment. There is virtually no problem since the amount of cancellation is reduced or eliminated. In exceptional cases, if the number of deauthorizations is frequent or if the amount of the deauthorization is more than the amount of the immediate payment, there may be a possibility that the creditor may be somewhat dangerous as a result, but this is not a realistic possibility.

In addition, the difference between the present invention and the above-described conventional technology or the existing inventions is that existing instant payment systems each time a bank deposits a merchant account into an account of a merchant. Almost all have a tendency to pay by card, which increases the bank's processing type and server load, and greatly increases the burden of bank fees.

Therefore, in the lending service processing of the present invention, the transaction settlement is automatically performed every day to examine the adequacy of the transaction data, and then, after receiving the credit card company's certification, the arbitrator performs the batch-by-cycle batch adjustment method to present the characteristics of the present invention. Not only can verification of transaction data be carried out smoothly, but also the suitability of the process can be secured and bank fees can be saved. Furthermore, such an advantage is significant because the arbitrator can notify the merchant and the credit company of the result of the settlement of the card transaction.

In addition, another feature that distinguishes the present invention from the above-described prior art or the existing inventions is that the immediate settlement systems according to the above inventions are authorized from the bank (which is the same as the credit company of the present invention) to the merchant account when the transaction is approved. Explanation of how and when the immediate settlement company recovers the amount settled immediately by the credit card company only after 3-9 days have elapsed after the deposit of the authorization amount. Is not done at all, but the present invention is presented in detail.

The domestic patent registration number 10-0339285 of the conventional invention, the instant payment system and method for the card merchant has a slightly different use of a virtual account, but this is the same as the conventional inventions in the bank business hours, but immediately during business hours Other than that, the virtual account is accumulated and accumulated, and when the bank's next business day, the device is designed to collectively transfer the aggregated amount, and is not a device for recovering the loan amount after payment of the immediate payment.

However, the reason for not presenting the recovery process of the existing inventions as described above is because the subject of the immediate payment system and the card company that settled the transfer are the same or because the recovery process is not regarded as an instant payment system. It is shown that this is the main subject of the instant payment system (which can be regarded as a credit company). The process of recovering the loaned money is the most important and the loan service will not be provided if the safety of the recovery is not guaranteed. Is very wrong.

Therefore, in the present invention, unlike the existing inventions, the present invention provides a specific method for recovering a loan service amount of a credit card sales receivable security loan service provider (hereinafter referred to as a credit company). That is, when a merchant contracts a credit card account receivable secured loan service with a credit company, a separate account (called a self-account) is deposited in a bank, such as a credit company. At this time, the salesperson deposits the loan amount, such as immediate payment, from the creditor's account (this is called the mother's account) to the other account of the merchant, and the operator induces this to be the same bank as the creditor's mother's account. If the transfer is made to an account, an agreement with the management bank may be made to periodically transfer back to the parent account, or the transfer may be made by firm banking.

In addition, the firm banking transaction history provides the mediator server so that the credit card company and the affiliated store can always read through the Internet.

As described above, a plurality of banks or lenders can easily provide a loan service according to the present invention through a process of arranging an account according to the present invention and a mediator through a loan that guarantees safety from the risk of recovering the loan.

   As described above, the present invention, through the above process, merchants can be provided with a loan service with only credit card receivables as collateral quickly within two to three days without providing any collateral or credit, and the merchant as a merchant -Because the merchant transaction evaluation DB provided by the mediator can evaluate card payment transactions and arbitrate the collection process of loans in real time without any intervention in the complex process of Bansa-Card Corporation, In addition to the appropriate evaluation, it is possible to easily secure a loan service source (credit company) as it is possible to verify the safety of each card transaction verification and loan collection.

In addition, the mediator server can provide a settled transactions between the merchant and the credit card of the merchant and the merchant account, thereby reducing the pumping costs.

In addition, the merchant according to the present invention is not limited to the case where the card payment is made through an offline bansa, even when using a PG (Payment Gateway) for card payment between the small and medium shopping malls and card companies on the Internet as a single online merchant It is possible to apply as it is.

1A-1D are representative views illustrating a system of conventional inventions.
2 is a system diagram showing a preferred embodiment in the case of a credit card merchant by the method according to the present invention.
3 is a system diagram showing a preferred embodiment of a credit card payment using a payment gateway (PG) in an internet shopping mall by the method according to the present invention.
4 is a flowchart showing a preferred embodiment of the present invention.

Hereinafter, in order to reduce the risk of recovery (Risk) in the credit card receivable collateral loan service according to the present invention as described above, the risk management method through the construction and use of the evaluation model of the card payment merchants and transactions are preferred embodiments It will be described in detail with reference to the accompanying drawings.

1A-1D are representative views of the above-described prior inventions.

Figure 2 is an embodiment system for implementing a risk management method through the construction and use of the evaluation model of credit card sales merchants and credit card sales transactions in order to reduce the recovery risk (Risk) in the credit card receivables security loan service of the present invention The overall configuration of Fig. 3 is a flow chart of the above embodiment.

This will be described in detail for each process with reference to FIGS. 2 and 3 as follows.

First, when the credit card holder customer 100 makes payment 102 at the merchant 200, the merchant requests ban 300 to approve the transaction (202), and the bansa 300 is requested to approve the use of the card company ( Request a transaction approval 304.

At this time, if the card company 400, the transaction approval 304 for the card transaction received the bansa 300 immediately approves the use 202 to the merchant 200, and the merchant stores the sales slip 102 to the card holder In the credit card payment transaction processing system that the payment is completed when the customer 100 confirms;

The series of processes according to the present invention is optional that the credit card sales receivable collateral loan service sales clerk 700-the sales clerk and the credit company 600 recruitment contract (607) is optional-sales to the merchant 200 (702) When the merchant approves the loan service (702), attaching the above-mentioned facts and the business registration certificate of the merchant to approve the business type, location, sales volume, management of the merchant 200 and the approved amount for financial transactions Receiving the deposit account 210 and the firmbanking application, etc. and inputs to the mediator server 500 (705). The mediator server 500, which has received this input, immediately creates an affiliate evaluation database (510, hereinafter referred to as an affiliate evaluation database), and credits the affiliates for six months of the merchant from the merchant financial information integrated inquiry system (200). After acquiring approval, deposit and purchase information, and obtaining 12-month earnings information, analyze and analyze the performance data analyzed by seasonality, day of the week, and time series of the year of the relevant merchant based on the standardized data by industry and region.

However, in the case of utilizing the transaction performance data of the credit financing association 520 is not necessarily limited to this, even in case of bansa may store the past transaction performance data of the merchant, it may be obtained by using the data.

The predictive formula of the performance analysis of the merchant evaluation DB of the affiliate store 200 and the evaluation data,

P = S * T (W / M / Y) * R * E

S is Size or Performance of Merchant, T is Trend Trend, which is a standard trend table written by Week, Monthly, and Season, and R is Region. E is the evaluation constant of the Evauatiuon salesperson 700, the merchant manager R and E has a member store evaluation DB (510) management process in the mediator server 500 and updates it regularly.

When the operator 700 enters the business type of the affiliated store, based on the sample data for each industry type, as described above, the daily approval history of the past 6 months received from the Credit Finance Association, etc. is obtained and averaged with the sample data for each industry type for each analysis. Create the evaluation data and program the merchant server DB (510) to the mediator server (500) so that the data collected in accordance with the merchant's daily transaction and the verification evaluation data calculated by the moving average method is always kept up to date.

The method and process of making the basic data for analysis and verification data for the affiliate store 200 and the affiliate store evaluation DB 510 will be described in more detail with reference to the following embodiments.

[Example]

This embodiment is a case in which the operator 700 performs a business for a liquor store that is a card affiliate as a step P100 and inputs it to the host 500 as follows. The unit of amount of money is preferably 10,000 won.

P100 division Sectors Revenue (S) Region (R) Executive (E) 1 year performance (S ') Salesperson input Alcoholic beverages 3,500 0.98 1.05 3,447

And, if the industry is entered into the liquor sales business as the next step P101, the presiding server 500 is already provided to the merchant evaluation DB 510 has a day and month standard data according to the following industries in the merchant evaluation DB (510) do.

In the next step P102, the mediator server 500 accesses the Credit Finance Association 520 to obtain a six-month transaction approval result and a one-year result of the company, and prepares the data in the form of the sample data as follows.

The next step is P103, which is calculated by moving average of P101's sample data and P102's acquired data for January through June with the affiliated store's data. Prepares basic data as data by ratio of P101. However, at this time, the sum of the monthly total is 39.59 million won, which is a difference of 3.1 million won from the yearly performance of the corresponding merchant (3.47 million won).

 In step P103, the difference of 1.15 million won is corrected for each month to make P111 evaluation data. The evaluation data is the first evaluation data for verification reflecting the one-year performance (S) of the merchant. Based on the data of P111, the evaluation data for P112 verification may be made by multiplying each affiliate's regional evaluation coefficient 0.98. Then, based on the evaluation data, multiply the management evaluation coefficient 1.05 of the affiliated store prepared by the operator 700 to make the final evaluation data for P113 verification.

And again, based on the basic ratio of the merchant can create a weekly, weekly evaluation evaluation data of P120 shown below.

The evaluation data for the merchant verification made in the above process is regularly updated. In other words, the present embodiment shows an example of updating the verification data by additionally reflecting the merchant's transaction results for July to September, that is, three months, based on the data of P201 and the evaluation data of P113 below. Repeat the process of creating evaluation data for verification, and rewrite the evaluation data for franchise verification. In the process of re-creating the evaluation data for verification as described above, it is preferable to update the evaluation data at least once every 3 months or 6 months in consideration of the processing load of the company evaluation server.

Looking at the feedback process of rewriting the evaluation data by further reflecting the July-September performance value as described above, the annual forecast value of the merchant of this embodiment is 44.19 million won as shown in the chart below, 122.0 rather than the original performance value of 3.447 million won As the percentage increased, it was a very reasonable and reasonable judgment that the salesperson 700 gave 5% additional points to the affiliated stores compared to other affiliated stores.

By the way, the value of the evaluation data for verification made as described above can evaluate the transaction performance of the merchant based on the evaluation data for day of the week, weekly, monthly as well as 1-year verification, distinguishing the peculiar data of the merchant 200 in advance It can be a very effective means to reduce the risk of the credit company 600, since it can know the sales level of merchants collectively and can be reflected not only in the accurate evaluation of the merchants, but also in the establishment of loan and collection policies for the merchants. have.

In addition, the function of the merchant evaluation DB (510) for reducing the risk of recovery (Risk) in the credit card receivable security loan service according to the present invention by verifying the overlapping and repetition of the authorized transaction credit card number and the transaction pattern In step (200), a procedure for verifying whether a fraudulent transaction is registered intentionally to increase the transaction performance or for other purposes is required. If the same credit card number is repeatedly displayed or a large amount or a specific amount is repeatedly detected, the credit card company 600 is detected and the salesperson 700 measures to check the due diligence.

However, in the case of the cancellation of the approval transaction, there is not much room for the credit company because of the fact that there is a real cancellation, but it is not desirable that there are many approval cancellations. Notify and peculiar data is due diligence to thoroughly analyze the possible problems it is desirable to take measures to correct this in the merchant (200).

In the present invention, the merchant 200 should be a card merchant and whether it is offline or online on the Internet is not limited, and the mediator server 500 is a card settlement transaction matter between the merchant and the bansa 300 and the credit company 600. The system is composed of a computerized system that creates a merchant evaluation DB (510) by combining credit card associations (520) and bansa's credit card transaction results and sales operators (700). The advantage is that it can be secured.

In the present invention, by reducing the risk of the credit company 600, which is not necessarily a bank, but a legitimate domestic lender, through the above process as well as by appropriately evaluating the future cash income of the merchant (200). The credit company 600 has the effect of laying the foundation for expanding the supply of loan services at a stable and low interest rate.

In addition, the present invention, otherwise, the mediator server 500 has the advantage of providing a collective settlement of transactions between the merchant 200 and the credit company 600 mother account and the merchant account has the advantage of reducing the pumping costs through this .

And, as described above, the merchant 200 according to the present invention is not limited to the case where the card payment through the offline bansa 300 PG on behalf of the small and medium shopping mall and the card company 400 on the Internet on behalf of the credit card payments Even when using the Payment Gateway, it is possible to apply the management method as described above by looking at the small and medium shopping mall as one online affiliate store.

This will be described in more detail with reference to FIG. 3 as follows.

Originally, PG (250, Payment Gateway Payment Provider) refers to a company that provides various micropayment services such as credit card, bank transfer, mobile phone payment, ARS payment, etc. on behalf of transactions with financial institutions on the Internet. As credit card payment is the main species, payment by other means has a low proportion, and therefore, except for the loan service evaluation target according to the present invention, the data is included in the entire periodical merchant evaluation.

Hereinafter, a description will be given of a credit card payment using the PG 250 in the shopping mall 200 on the Internet. In the case of the PG, the system using the PG 250 also needs to pass through the bansa 300. Compared to FIG. 2, FIG. 3 and the other system are not different from the difference that the merchant must go through another gateway called PG 300 because it is a homepage 200 on the Internet rather than a card terminal of an offline reality space.

However, since the payment period of the card company of the card payment using the PG 250 is 7 to 21 days, which is relatively longer and the payment amount is larger, the demand for lending services of the Internet shopping malls using the PG 250 will be larger and stronger. In this way, the need to expand the loan service of the credit company may be felt larger than that of offline card merchants.

Explanation of symbols in FIG. 2
100 cardholder customers
102 Customer, Card Payment / Merchant, Sales Receipt
200 card merchants
202 Merchants apply to approve or approve the transaction approval
210 Merchant Account
206 Merchant's account and transfer the amount to the mother's account
300 vans
304 Bansa, card company request transaction approval / card company, approval notice
305 Mediator Server, Request Transaction Data / Vansa, Submit Transaction Data
400 card companies
402 Card Company Transfers Authorized Transaction Amount
500 Mediator Server
501 Mediator server, Merchant evaluation DB creation, update, inquiry
510 Merchant Evaluation Database (DB)
505 Mediator Server, Merchant Performance Request / Credit Finance Association, Merchant Performance Report
506 Mediator server, submits merchant and transaction data to credit company / credit company, requests data
520 Credit Finance Association
600 goddess
602 Credit loan, transfer loan service amount to merchant
607 Signed service contract with credit company and salesperson
700 salespersons
702 Loan service of sales representatives and franchisees
705 Salesperson, Enter Merchant Data into Mediator Server
Explanation of the sign of FIG.
103 Cardholder Customer, Card Acceptance / PG, Card Acceptance
200 internet shopping malls
202 Card shopping mall, PG use permit / PG, PG use acceptance
210 Internet Shopping Mall Child Account
250 PG (Payment Gateway Payment Provider)
253 PG, Bansa approves the transaction approval / Vansa, approves the approval
Hereinafter, other reference numerals are the same as in the case of FIG. 2.

Claims (4)

When a credit card holder purchases goods and services from a credit card merchant and pays for a credit card, the credit card authorization request is sent to the van, and the credit card payment request is made to the credit card company. If the credit card transaction is made, the customer pays the credit card transaction to the credit card company, and the credit card merchant has the credit card transaction account receivable to the credit card company. In the service method,
An arbitrator server, which intervenes between bansa, credit company, lending service operator and trading bank, has a merchant evaluation database (merchant evaluation DB) and utilizes it to evaluate each merchant and generated transaction, and then evaluates the merchant and transaction. Limited credit card transaction loans secured by the credit service transactions, the risk management method of the credit service transaction loans secured by credit card transactions, characterized in that to reduce the loan collection risk.
The method of claim 1,
A first step in which the lending service operator opens a credit card member store and inputs basic data and evaluation data into a mediator server by operating a credit card merchant;
A second step in which the mediator server receiving the input obtains the credit card merchant's performance data from the credit finance association or bansa to create and evaluate the merchant evaluation DB;
A third step in which the mediator server sends the created affiliated store evaluation data to the credit company;
A fourth step of determining whether or not to provide a credit card transaction account receivable collateral loan service based on the merchant evaluation data and notifying the credit card merchant through the mediator server;
A fifth step of opening a firm banking transaction account of a credit card company and a credit card merchant at a transaction bank when the credit card transaction account receivables loan service contract is concluded, and registering the merchant at a credit company management server of a mediator server;
A sixth step in which the credit company transfers the credit card transaction account receivable collateral loan service from the credit company account to the credit card merchant account through mediation of the mediator;
A seventh step in which the credit card transaction recovers the loan when the credit card transaction occurs and the credit card merchant transfers the authorized transaction amount to the credit card merchant account, and then transfers it back to the credit card account; And
In addition, if a credit card transaction occurs in the above-mentioned stage, the credit card transaction service is verified through the merchant evaluation DB to verify in advance whether the same credit card is repeated for each transaction, a limit exceeded, or a false transaction. The credit card transaction account receivables are characterized by updating the merchant evaluation DB by verifying whether the information is provided and verifying the unique trend data by day, week, and monthly, and providing the credit to the credit company. How to manage the risk of a loan service
The method according to claim 1 and 2,
In the second step, the performance analysis and evaluation data of the merchant evaluation DB are the performance trend data of the credit card merchants based on the size or performance value of the credit card merchants, and the standard trend table is prepared by day, month, and season. The loan service is secured by credit card transaction receivables, which is prepared by multiplying the multiplying performance evaluation weights of the same industry by region and the evaluation value of credit card franchisees, and periodically reflecting them in the merchant evaluation DB. Risk management methods.
The method according to claim 1, 2 and 3,
A loan secured by credit card transaction receivables, which is applied when a credit card merchant uses an offline card terminal or when a credit card is settled using a payment gateway payment provider (PG) as a shopping mall on the Internet. How to manage risk of services.

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