KR20120110557A - Method and server of payment using auction-only credit card - Google Patents

Abstract

PURPOSE: A payment method with an auction-only card and a payment server thereof are provided to enable a first hierarchy such as a wholesaler to easily collect a payment for successful bid as a second hierarchy such as a commission merchant pays for the successful bid with the auction-only card. CONSTITUTION: A payment server receives a payment approval request including successful bid information and auction-only card information of a second hierarchy from a first hierarchy(S330). The payment server performs payment approval based on the payment approval request(S340). If the payment of the auction-only card is approved, the payment server deposits a payment for successful bid to an account of the first hierarchy(S350). The payment server calculates paying charges according to the use of the auction-only card. A payment date based on each successful bid is individually applied based on a payment approval date. [Reference numerals] (100) First hierarchy; (200) Second hierarchy; (300) Payment server; (AA) Predetermined product successiful bid(S310); (BB) Requesting successful bid payment with an auction-only card(S320); (CC) Requesting a payment apporval(auction-only card information, successiful bid payment information)(S330); (DD) Payment approval(S340); (EE) Depositing the successful bid payment to an account of the first hierarchy(S350); (FF) Paying for a payment commission according to the use of the auction-only card

Description

Payment method and payment server using auction-only card {METHOD AND SERVER OF PAYMENT USING AUCTION-ONLY CREDIT CARD}

The present invention provides a payment method and a payment server using an auction-only card for allowing a second layer (eg, a wholesaler) to make a payment for a product that has been won using an auction-only card in a transaction of goods in a wholesale market. It is about.

 In general, the wholesale market refers to a place (specific market) where wholesale transactions are conducted under specific facilities and systems. The wholesale market, in a place sense, consists of the founder, the wholesaler, and the trader. The establisher owns and manages the market's facilities and monitors for fair trade. If the founder is a public organization, it is a public wholesale market. The wholesaler entrusts the goods from the producer or subcontractor, presides over the auction, and sells the goods to the participants. The participant may have a broker (the wholesaler) who buys the product wholesale and sells it to a retailer who comes to buy at a store in the market. Transactions in the wholesale market are mainly done through auction transactions, but with the exception of counterpart trading. In the auction transaction, a consignment sales method is mainly used in which a wholesaler takes goods from a shipper of a production place and attaches an auction instead of a shipper. In this case, the price of the goods sold through the auction is returned to the shipper in a settlement method, and the wholesaler receives a sales fee. In addition, the wholesale wholesalers who receive the goods from the wholesalers are paying the wholesale price in cash to the wholesalers. As a result, it is difficult for wholesalers to collect the winning bids stably, and the wholesalers are also getting loans for the payment of the winning bids.

Therefore, it is necessary to introduce a payment system that allows the wholesalers to settle the bid price by credit card, thereby making the transaction transparent and relieving the burden of paying the bid price of the wholesalers.

An object of the present invention is to allow a second tier (e.g., a wholesaler) to settle a successful bid price using an auction-only card, for example, to trade goods in a wholesale market. The present invention provides a payment method and a payment server using an auction-only card, which enables easy collection and allows the second tier (wholesale seller) to procure a successful bid at a low cost.

In order to achieve the above object, the present invention comprises the steps of: a payment server receiving a payment authorization request including auction-only card information and successful bid information of the second layer that has received a predetermined product from the first layer; The payment server performing payment approval based on the payment approval request; When the payment for the auction-only card is approved, the payment server depositing a successful bid price to the account of the first layer; And settlement, by the payment server, the payment fee for the use of the auction-only card for the second layer.

In order to achieve the above object, the present invention includes a receiving unit for receiving a payment authorization request including auction-only card information and successful bid information of the second layer that has received a predetermined product from the first layer; An approval unit that performs payment approval based on the payment approval request; A payment processing unit for depositing a successful bid price to the account of the first layer when the payment for the auction-only card is approved; A settlement unit configured to process a settlement fee for use of the auction-only card for the second layer; A storage unit for maintaining a database of the auction-only card information; And a control unit for controlling the receiving unit, the approval unit, the deposit processing unit, the settlement unit, and the storage unit.

According to one embodiment of the present invention, since the second layer (for example, the wholesaler) pays for the auction price using the auction-only card, the first layer (for example, the wholesaler) can stably recover the winning price. do.

In addition, according to an embodiment of the present invention, the second layer (the middle wholesaler) can settle the auction price with the auction-only card, thereby reducing the burden on the payment price of the auction.

On the other hand, according to an embodiment of the present invention, by allowing the second tier to bear the payment fee for using the auction-only card, it is possible to actively induce the affiliates of the first tier, thereby enabling the use of the auction-only card. It becomes possible.

In addition, according to an embodiment of the present invention, since the winning price is settled through the auction-only card, the auction transaction may be transparent.

1 is a view for explaining a payment system using an auction-only card associated with an embodiment of the present invention.
2 is a block diagram illustrating a configuration of a payment server according to an embodiment of the present invention.
3 is a flowchart illustrating a payment method associated with an embodiment of the present invention.
4 is a view for explaining a payment fee settlement method associated with an embodiment of the present invention.

The terms used in this specification will be briefly described and the present invention will be described in detail.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. Also, in certain cases, there may be a term selected arbitrarily by the applicant, in which case the meaning thereof will be described in detail in the description of the corresponding invention. Therefore, the terms used in the present invention should be defined based on the meanings of the terms and the contents throughout the present invention, rather than the names of the simple terms.

When an element is referred to as "including" an element throughout the specification, it is to be understood that the element may include other elements, without departing from the spirit or scope of the present invention. In addition, the terms "... unit", "module", etc. described in the specification mean a unit for processing at least one function or operation, which may be implemented in hardware or software or a combination of hardware and software. .

In the entire specification, the auction-only card refers to a means by which a successful bidder who receives a predetermined product in an auction transaction pays a successful bid price. The auction-only card may be determined based on the credit of the successful bidder.

In the case of using the auction-only card, the successful bidder may pay the successful bid price on a specific settlement date (eg, 33 days after the approval date for the successful bid price) when the successful bidder is not paid.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily carry out the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

1 is a view for explaining a payment system using an auction-only card associated with an embodiment of the present invention.

As shown in FIG. 1, according to an embodiment of the present invention, the payment system may include a payment terminal of the first layer 100, a second layer 200, and a payment server 300.

The first layer 100 may be a subject that presides over the auction and sells the product to the auction participants. For example, in the wholesale market, the first layer 100 may be a wholesaler who receives goods from a producer or a shipper and attaches an auction instead. The first layer 100 pays the producer or the shipper an amount deducting a predetermined fee from the bid price.

According to an embodiment of the present invention, the first layer 100 may request payment approval for the auction-only card to the payment server 300 through a payment terminal. That is, according to an embodiment of the present invention, the first layer 100 may be an affiliate store for the auction-only card. The payment terminal may be implemented through a CAT (Credit Authorization Terminal), a Point of Sales (POS), and the like. POS (Point Of Sales) is a system that can register sales in real time and enable automatic settlement and aggregation of registered sales data to improve the efficiency of store operations.

In addition, according to an embodiment of the present invention, the payment terminal is capable of short-range wireless communication and other wired and wireless communication with other devices. Therefore, the payment terminal may make a payment approval request to the payment server 300 or receive a result of the payment approval request from the payment server 300.

According to an embodiment of the present invention, the first layer 100 may not bear the card settlement fee according to the use of the auction-only card. Therefore, according to an embodiment of the present invention, it is possible to easily induce subscription of the first layer 100 to the affiliated store.

On the other hand, according to one embodiment of the present invention, when the successful bid price is paid from the second layer 200, the first layer 100 may provide a sales incentive to the second layer 200. The sales incentive may be a portion of the winning price. For example, when the second layer 200 has paid the successful bid price, the first layer 100 may return 0.6% of the paid successful bid price to the second layer 200 as a sales incentive. .

According to an embodiment of the present invention, the second layer 200 may be an intermediate seller who sells the winning product back to the retailer. For example, the second layer 200 may be a wholesaler in a wholesale market. Therefore, according to an embodiment of the present invention, the second layer 200 receives a predetermined product from the first layer 100, and pays the winning amount to the first layer 100. At this time, according to an embodiment of the present invention, the first layer 100 may pay the winning amount to the first layer 100 through the auction-only card.

The auction-only card may be, for example, a credit card (postpaid card). In addition, the auction-only card includes not only a card in the form of a magnetic plate, but also a mobile card and a virtual card that are stored in a program form in a security area of a mobile terminal (smartphone, mobile phone, tablet PC, PDA, e-book terminal, etc.). can do. On the other hand, the auction-only card may be implemented in the form of a prepaid card, gift card.

According to one embodiment of the present invention, when the successful bid price is paid in full, the second layer 200 may receive a sales incentive from the first layer 100. When it is not possible to pay the amount of the successful bid by the card, the second layer 200 was forced to finance the insufficient payment for receiving the incentives through loans, debentures and the like. However, according to one embodiment of the present invention, the card payment for the successful bid price is possible, so that the second layer 200 can procure the insufficient funds at a low rate (as a card payment channel).

The payment server 300 may receive a payment approval request for the auction-only card from the payment terminal of the first layer 100 or the mobile terminal of the second layer 200. In addition, the payment server 300 may process the deposit payment to the account of the first layer 100 immediately upon payment approval, and charges a payment fee for using the auction-only card to the second layer 200. You may. According to an embodiment of the present invention, the payment server 300 may be a card company server, purchase company server, financial company server or a server associated with it, or may be a payment platform provider server.

Hereinafter, each configuration of the payment server 300 will be described in detail with reference to FIG. 2.

2 is a block diagram illustrating a configuration of a payment server according to an embodiment of the present invention.

As shown in FIG. 2, according to an embodiment of the present invention, the payment server 300 may include a receiving unit 310, an approval unit 320, a deposit processing unit 330, a settlement unit 340, and a storage unit ( 350, the controller 360 may be included. However, not all illustrated components are essential components. The payment server 300 may be implemented by more components than the illustrated components, and the payment server 300 may be implemented by fewer components.

According to an embodiment of the present invention, the receiving unit 310 may receive a payment approval request including auction-only card information and winning bid information of the second layer 200 that receives a predetermined product. The predetermined goods may include intangible goods as well as tangible goods. The auction-only card information may include a card identification number, a Card Verification Code (CVC) or a Card Verification Value (CVV), an expiration date, and an installment month. The auction information may include a successful bid product, a successful bid price, a successful bidder (second layer), auctioneer (first layer) information, and the like.

The receiver 310 receives the payment approval request through wired or wireless communication. The receiver 310 may receive the payment approval request from the payment terminal of the first layer 100 or the mobile terminal of the second layer 200. In addition, the receiver 310 may receive the payment approval request through a payment brokerage server such as a payment gateway (PG) or a value-added network (VAN).

The payment gateway (PG) is from a credit card company or a bank that the buyer deals on behalf of the seller (shopping mall) so that the buyer can use the credit card on the Internet or transfer the account in the electronic commerce through the Internet shopping mall, etc. It is a kind of electronic payment agency that provides a service that removes a certain fee and collects the remaining amount to the seller after collecting the payment.

The value-added network (VAN) provides voice or data information that has added value such as accumulating, processing, and converting information beyond a simple transmission function by directly owning a line or renting or using a line of a carrier. A comprehensive and complex set of services.

According to an embodiment of the present invention, the approval unit 320 may perform payment approval based on the payment approval request. That is, the approval unit 320 is to process the payment for the successful bid price based on the auction-only card information and the successful bid information received by the receiving unit 310.

When the payment for the auction-only card is approved, the deposit processing unit 330 may deposit the successful bid price to the account of the first layer 100. In this case, the deposit processing unit 330 may transmit the information on the successful bid payment to the terminal of the first layer (100).

The settlement unit 340 may settle the payment fee for using the auction-only card with respect to the second layer 200. The payment fee may be charged together on the settlement date for the successful bid price. According to an embodiment of the present invention, the second layer 200 may prepay the successful bid price before the settlement date. In this case, the settlement unit 340 may differentially apply the settlement fee based on the prepayment period.

On the other hand, according to an embodiment of the present invention, the storage unit 350 may maintain a database for the auction-only card information. In this case, the storage unit 350 may also map the auction-only card information and store the information of the second layer 200. Meanwhile, the storage 350 may also store information of the first layer 100. In particular, the information of the first layer 100 may include account information of the first layer 100 to process the deposit for the successful bid price.

The controller 360 may control the receiver 310, the approval unit 320, the deposit processing unit 330, the settlement unit 340, and the storage unit 350 in general. The controller 360 may individually apply the settlement date of the successful bid price based on each successful bid based on the settlement approval date.

On the other hand, according to an embodiment of the present invention, the control unit 360 may transmit information on whether to approve payment to the payment terminal of the first layer 100 or the terminal of the second layer 200. . In addition, when the payment for the auction-only card is approved, the controller 360 may transmit payment fee information for each prepayment period to the terminal of the second layer 200. In this case, a prepayment of the second layer 200 may be induced.

Hereinafter, a method of allowing the second tier (eg, a middleman) to pay a successful bid price using an auction-only card in each item of the wholesale market through the configuration of the payment server 300 will be described with reference to FIG. 3. Let's take a closer look at.

As shown in FIG. 3, according to an embodiment of the present invention, the second layer 200 may participate in a bid for a predetermined product auctioned by the first layer 100. When the second layer 200 receives a successful bid for the predetermined product [S310], the second layer 200 should pay the successful bid price for the predetermined product to the first layer 100. At this time, according to an embodiment of the present invention, the second layer 200 may pay the successful bid price using the auction-only card.

That is, according to the first embodiment of the present invention, the second layer 200 may make a payment request while presenting the auction-only card to the first layer 100 [S320]. In this case, the first layer 100 may request payment approval while transmitting the auction-only card information and the successful bid information to the payment server 300 using a payment terminal [S330].

For example, when the wholesale corporation △△△ proceeds with the auction for sweet potatoes, the wholesaler A may participate in the bid and win 200 boxes of sweet potatoes for 1 million won. In this case, the wholesale wholesaler A should pay 1 million won for the wholesale corporation △△△. At this time, the wholesale wholesaler A can request a payment of 1 million won from the wholesale corporation △△△ using his auction dedicated card (1234-5678-9012-3456). The wholesale corporation △△△, using the payment terminal information on the auction dedicated card (1234-5678-9012-3456) and successful bid information (200 million boxes of sweet potatoes, merchants: wholesale corporation △△△, merchant code: 123 , Payment terminal number: 777, etc.) is transmitted to the payment server 300.

If the auction dedicated card is a mobile card, the payment terminal of the wholesale corporation ΔΔ △ may receive auction dedicated card information through short-range communication. Bluetooth, Radio Frequency Identification (RFID), Infrared Data Association (IrDA), Ultra Wideband (UWB), ZigBee, Near Field Communication (NFC), and the like may be used as a short range communication technology.

On the other hand, according to the second embodiment of the present invention, the second layer 200 receives the information of the first layer, successful bid price information, etc. from the payment terminal of the first layer 100 and the payment server 300 ) May request a payment approval for the winning bid price directly.

For example, the second layer 200 uses first mobile terminal information from the payment terminal of the first layer 100 (for example, wholesaler A, merchant code 1234) and successful bid price information using its mobile terminal. (For example, 100 million apples, 1.2 million won) and the like. In this case, the second layer 200 together with the mobile auction dedicated card information (card number: XXXX-XXXX-XXXX-XXXX, expiration date: 02/15, etc.) previously issued by the second layer 200 and the successful bidding The payment approval request can be made while transmitting the payment information to the payment server 300.

In this case, according to an embodiment of the present invention, the payment server 300 receives a payment approval request including the auction-only card information and the successful bid information. According to an embodiment of the present invention, the payment server 300 performs payment approval for the successful bid price based on the auction-only card information and the successful bid information [S340]. For example, when the auction-only card is not a stolen or lost card, and the bid price does not exceed the remaining limit of the auction-only card, the payment server 300 performs payment of the auction price for the auction-only card. I approve it.

When the payment for the auction-only card is approved, according to an embodiment of the present invention, the payment server 300 is to process the deposit payment to the account of the first layer (100). That is, according to one embodiment of the present invention, the payment server 300 will deposit the winning price without deducting a fee to the account of the first layer 100 on the day of payment approval.

Therefore, according to the exemplary embodiment of the present invention, the first layer 100 can stably recover the successful bid price. In addition, the second layer 200 may receive the sales incentive for the successful payment of the successful bid price from the first layer 100.

Meanwhile, according to one embodiment of the present invention, the payment server 300 may settle the payment fee for the use of the auction-only card for the second layer 200. That is, unlike the general case in which the merchant pays the card payment fee, according to one embodiment of the present invention, the card payment fee is charged to the auction-only card user (second layer).

Therefore, it is possible to actively induce subscription of the first layer 100, and the second layer 200 may also bear the payment fee through the sales incentive received from the first layer 100, The use of auction-only cards can be activated.

According to an embodiment of the present invention, the payment server 300 may receive the payment price from the second layer 200 on the payment date of the auction-only card. At this time, the settlement date of the successful bid price based on each successful bid may be individually applied based on the settlement approval date.

For example, a middle wholesaler receives X goods from a wholesale corporation in 2011.3.5 and pays 2 million won for the auction card, and then, Y 2011 receives the Y product for 150,000 won for the auction card. Suppose that you have settled on the A, and the company won the Z product on March 10, 2011 and paid 3 million won in auction-only card. If the settlement date is 33 days after the settlement approval date, the successful bid price of 2 million won for the X product is 2011.4.7 and the successful bid price of 1.5 million won for the Y product is 4 April 9, 2011. Ten thousand won is the settlement date can be applied separately as of 2011.3.12.

Therefore, according to one embodiment of the present invention, when receiving a payment fee and a successful bid price from the second layer 200 on the payment day to be applied separately, the payment server 300 is the next day of the payment day to apply individually It is possible to restore the credit limit of the auction-only card by the amount of the successful bid received.

On the other hand, according to an embodiment of the present invention, the second layer 200 may prepay the successful bid price before the settlement date. In this case, the settlement fee may be differentially applied for each prepayment period.

For example, as shown in FIG. 4, 33 days after the approval date D is a regular payment date D + 33, and the payment fee may be 0.7% of the payment amount. In this case, i) when the second layer 200 deposits a successful bid price between D + 1 day and D + 11 days, the settlement fee may be 0.5% of the payment amount, and ii) D + 12 If you make a deposit in advance between day D + 22 and D + 22 days, the settlement fee may be 0.6%, and if you make a deposit in advance between D + 23 day and D + 33 days, 0.7% will be applied. It can be. Therefore, according to one embodiment of the present invention, it is possible to induce a successful bid payment of the second layer 200.

On the other hand, according to an embodiment of the present invention, when the payment for the auction-only card is approved, the payment server 300 may transmit payment fee information for each prepayment period to the terminal of the second layer 200. have. The terminal may include a fixed terminal (eg, a computer) and a mobile terminal (eg, a smartphone, a mobile phone, a tablet PC, a notebook, and the like).

For example, when the second layer 200 requests a payment of 1 million won for the auction-only card and the payment is approved in 2011.3.5, the payment server 300 prepays before 2011.3.16. City fee 0.5% (KRW 5,000), pre-2011.3.27 prepayment fee 0.6% (KRW 6,000), prepayment 2011.4.7 prepayment fee 0.7% (KRW 7,000) It can be transmitted to the terminal of the second layer 200.

As a result, according to an embodiment of the present invention, since the first layer 100 can receive the successful bid price from the payment server 300 on the day of payment approval without fee deduction, the successful bid price can be recovered. do.

In addition, the second layer 200 may receive the sales incentive for the successful payment of the winning bid from the first layer 100, and thus the payment fee may be covered by the sales incentive.

On the other hand, the second layer 200 by using the auction dedicated card to pay the bid price, it is possible to finance the low cost (payment fee). In addition, according to an embodiment of the present invention, it is possible to contribute to the transparency of wholesale market transactions.

While the present invention has been particularly shown and described with reference to exemplary embodiments thereof, it is to be understood that the invention is not limited to the disclosed exemplary embodiments, It belongs to the scope of right.

100: Tier 1 (Wholesale Corporation)
200: the second tier (wholesale seller)
300: payment server
310: receiving unit
320: approval
330: deposit processing unit
340: Settlement
350: storage unit
360: control unit

Claims (10)

Receiving, by the payment server, a payment authorization request including auction-only card information and auction information of a second layer, which receives a predetermined product from the first layer;
The payment server performing payment approval based on the payment approval request;
When the payment for the auction-only card is approved, the payment server depositing a successful bid price to the account of the first layer; And
And settlement, by the payment server, the payment fee for the use of the auction-only card for the second layer.
The card of claim 1, wherein the auction-only card is
The settlement method of the successful bid price based on each successful bid is characterized in that it is individually applied based on the payment approval date.
The method of claim 1, wherein the settlement of the payment fee
The payment method further comprises the step of differentially applying the payment fee based on the prepayment period, the payment server when receiving the prepayment payment from the second layer.
The method of claim 3, wherein the payment method
If the payment for the auction-only card is approved, the payment server further comprises the step of transmitting the payment fee information for each prepayment period to the terminal of the second layer.
The method of claim 1, wherein receiving the payment approval request
The payment server receiving the payment approval request from at least one of the payment terminal of the first layer and the mobile terminal of the second layer.
A receiving unit receiving a payment approval request including auction-only card information and auction information of a second layer, which receives a predetermined product from the first layer;
An approval unit that performs payment approval based on the payment approval request;
A payment processing unit for depositing a successful bid price to the account of the first layer when the payment for the auction-only card is approved;
A settlement unit configured to process a settlement fee for use of the auction-only card for the second layer;
A storage unit for maintaining a database of the auction-only card information; And
And a control unit for controlling the receiving unit, the approval unit, the deposit processing unit, the settlement unit, and the storage unit.
The method of claim 6, wherein the control unit
The payment server, characterized in that for applying the payment date of the successful bid price based on each successful bid based on the payment approval date.
The method of claim 6, wherein the settlement unit
When receiving the prepayment of the winning bid price from the second layer, the payment server, characterized in that for applying the payment fee differential based on the prepayment period.
The method of claim 8, wherein the control unit
If the payment for the auction-only card is approved, the payment server characterized in that for transmitting the payment fee information for each prepayment period to the terminal of the second layer.
The method of claim 6, wherein the receiving unit
And receiving the payment approval request from at least one of the payment terminal of the first layer and the mobile terminal of the second layer.

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