KR20150001150A - System and method for processing payment gateway - Google Patents

System and method for processing payment gateway Download PDF

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Publication number
KR20150001150A
KR20150001150A KR1020130073912A KR20130073912A KR20150001150A KR 20150001150 A KR20150001150 A KR 20150001150A KR 1020130073912 A KR1020130073912 A KR 1020130073912A KR 20130073912 A KR20130073912 A KR 20130073912A KR 20150001150 A KR20150001150 A KR 20150001150A
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South Korea
Prior art keywords
account
domestic
affiliate
overseas
settlement
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KR1020130073912A
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Korean (ko)
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김경호
김경민
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주식회사 하나은행
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Priority to KR1020130073912A priority Critical patent/KR20150001150A/en
Publication of KR20150001150A publication Critical patent/KR20150001150A/en

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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Economics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Development Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Marketing (AREA)
  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A billing agency system and method thereof are disclosed. Here, the settlement agent system is a settlement agent system for performing settlement between an overseas affiliate and a domestic merchant. The overseas affiliate establishes an account for a foreign affiliate and an account for a domestic merchant that deposit a service use fee used by a domestic non-resident in the domestic merchant When the non-resident of the domestic non-resident receives a request for settlement of payment for the service used by the domestic franchisee from the domestic franchisee, withdraws the charge from the account for exclusive use of the foreign affiliate and deposits it into the account for the domestic franchisee And a payment agency for making a request to the account management unit.

Description

[0001] SYSTEM AND METHOD FOR PROCESSING PAYMENT GATEWAY [0002]

The present invention relates to a payment agent system and a method thereof.

The number of foreign tourists visiting Korea is expected to increase steadily due to the Korean Wave craze and the depreciation of the won value. Currently, one of the inconveniences that foreign tourists visit in Korea is payment part.

One payment method that foreign tourists mainly use is to exchange the domestic currency into domestic currency and then settle it directly in cash. However, there are inconveniences to visit the bank to exchange money, and you have to use the service only within the exchange amount.

Another payment method is to pay by debit or credit card, such as China UnionPay (CUP). In this case, available cards are limited, there is no way to use overseas points of sale, mileage, etc. at domestic merchants.

SUMMARY OF THE INVENTION Accordingly, the present invention has been made in view of the above problems, and it is an object of the present invention to provide a payment agent system and method for payment between an overseas affiliate and a domestic merchant.

According to one aspect of the present invention, a payment agent system is disclosed. The settlement agency system is a settlement agency system for performing settlement between an overseas affiliate and a domestic merchant. The settlement agency system opens and maintains an account for exclusive use of an overseas affiliate and a account for a domestic merchant that the overseas affiliate deposits a service use fee used by a domestic non- And an account management unit for receiving the payment for use of the service used in the domestic merchant by the domestic non-resident from the domestic franchisee to withdraw the charge from the account for exclusive use of the foreign affiliate, And a settlement agency for requesting the settlement agency.

The overseas affiliate account can deposit the predetermined amount of deposit defined by the overseas affiliate in advance.

The account for the overseas affiliate company can deposit the amount previously paid by the overseas affiliate customer in the form of a deposit.

The overseas affiliate may include an overseas bank or an overseas company providing the affiliate service to the domestic non-resident in connection with the domestic affiliate shop.

Further comprising a requesting unit for requesting payment of the use fee from the domestic franchisee and requesting the overseas partner company for the use fee,

The settlement agency may,

The requesting unit may request the user to withdraw the used money from the account for exclusive use of the foreign partner and deposit the money in the account for exclusive use of the domestic merchant after requesting the use fee to the foreign partner.

The settlement agency may,

After the request of the claimant, an operation of requesting the expense according to the settlement request of the foreign affiliate can be performed.

The settlement agency may,

The requesting unit may process the settlement request according to the request for payment requested from the domestic merchant.

The account management unit,

Establish and manage a revenue account to deposit payment agency fees,

The settlement agency may,

Request the account management section to deduct the settlement agency commission from the amount withdrawn from the account for the overseas affiliate company and to deposit the amount into the profit account, and to deposit the amount obtained by subtracting the settlement agency commission from the withdrawn amount from the account .

The revenue account,

And may be an account of the overseas affiliate and the name of the financial institution to which the payment agent service with the domestic franchisee is contracted.

According to another aspect of the present invention, a payment settlement method is disclosed. The settlement proxy method is a method for a payment settlement system to settle an account between an overseas affiliate and a domestic merchant, the method comprising the steps of: opening an account for an overseas affiliate company and a account for a domestic merchant; a step of depositing a deposit from the foreign affiliate company And a step of withdrawing the usage charge of the service used in the domestic franchisee from the domestic non-resident, requested from the domestic franchisee, from the foreign-affiliated company exclusive account and depositing the charge into the domestic franchise exclusive account.

Wherein the depositing comprises:

Requesting payment of the use fee from the domestic franchisee, requesting the overseas partner to use the requested charge, and, if there is a request for settlement from the foreign partner, fetching the charge from the foreign partner exclusive account And depositing the money into the account for exclusive use by the domestic merchant.

Further comprising the step of establishing a revenue account for depositing a payment agency fee,

Wherein the depositing comprises:

Withdrawing the used amount from the account for exclusive use by the foreign affiliate, subtracting the settlement fee from the withdrawn amount and depositing the amount in the profit account, and subtracting the amount obtained by subtracting the settlement fee from the withdrawn amount, And depositing the money into a dedicated account.

Wherein the step of withdrawing comprises:

And withdrawing the usage charge from the account for exclusive use of the overseas affiliate for each settlement request requested from the domestic merchant in response to the settlement request.

According to the embodiment of the present invention, the settlement agent can obtain the effect of the fee income (for example, 1% of the settlement cost of the net foreign-currency profit) from the settlement convenience.

In addition, it is possible to attract new VIP customers and increase the deposit amount of overseas subsidiaries.

In addition, it can revitalize exchange revenues with overseas customers' designated dealers, attract new dealings with designated dealers of affiliated merchants, and collateral transactions (eg, remittance / exchange).

1 is a schematic block diagram of a payment agent system and its surrounding environment according to an embodiment of the present invention.
2 is a series of flowcharts illustrating a settlement proxy method according to an embodiment of the present invention.
3 is a schematic block diagram of a payment agent system according to another embodiment of the present invention.

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 order to clearly illustrate the present invention, parts not related to the description are omitted, and similar parts are denoted by like reference characters throughout the specification.

Throughout the specification, when an element is referred to as "comprising ", it means that it can include other elements as well, without excluding other elements unless specifically stated otherwise.

Also, the terms of " part ", "... module" in the description mean units for processing at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software.

Hereinafter, a payment agent system and method according to an embodiment of the present invention will be described in detail with reference to the drawings.

1 is a schematic block diagram of a payment agent system and its surrounding environment according to an embodiment of the present invention.

Referring to FIG. 1, a payment agent system 100 is connected to an overseas affiliate system 300 and a domestic merchant terminal 400 through a network 200.

The settlement agency system 100 is a system of a settlement agent, and can be installed in a domestic financial institution.

The settlement agency system 100 establishes payment settlement services with overseas affiliates and domestic franchisees. And the postpayment method of settlement of the settlement details of the affiliate service used by domestic non-residents in domestic franchisees through a post-designated account is used. In other words, if a foreign affiliate deposits a certain amount of deposit in advance in its designated account or a foreign affiliate account of a payment agent, and confirms the settlement of the payment, the account of the overseas affiliate account Make sure the payment is transferred.

Here, non-resident in Korea refers to overseas Koreans and foreigners who visited the country.

The network 200 is connected to the overseas affiliate system 300 and the domestic merchant terminal 400. At this time, the settlement agency system 100 is connected to the overseas affiliate system 300 and the domestic merchant terminal 400 ), But they may be connected by separate networks. That is, the network connected to the overseas affiliate system 300 and the network connected to the domestic merchant terminal may be separate.

The network 200 may include a financial network. Or a dedicated payment network (not shown), such as a Value Added Network (VAN) or a large mart. The wireless network may include, for example, a 3G network, a 4G network, an LTE (Long Term Evolution) network, and a WiFi network.

The overseas affiliate system 300 is installed in an overseas bank or an overseas company that provides affiliate services used by domestic non-residents at domestic merchants. The overseas affiliate system 300 collects the fees collectively from the customers using the affiliate service, that is, the domestic non-resident, checks it afterwards, and settles it through the designated account of the payment agent.

The domestic franchise terminal 400 is a terminal provided to a domestic franchisee who has made a settlement agency service with the settlement agency system 100 and requests payment settlement system 100 for payment of a service fee used by a domestic non-resident. At this time, if the size of domestic merchants is large, it may be a server type.

Here, the service use price may include a fee for using the affiliate service used by the non-resident foreign customer visiting at the merchant.

In addition, the service use price may include payment of premium through an affiliated merchant.

In addition, the fee for use of the service may include the settlement of expenses incurred in accordance with the travel schedule in Korea after the non-resident foreign customers collectively pay the travel package costs to the overseas affiliates. At this time, overseas affiliates may include foreign corporations of domestic travel agencies.

At this time, the settlement agency system 100 includes an account manager 101, a claimant 103, and a settlement agent 105. [

The account management unit 101 opens and manages an account for exclusive use of an overseas affiliate and a account for the exclusive use of a merchant in order to receive payment of a service charge used by a domestic non-resident at an affiliated merchant from a foreign affiliate. At this time, the account management unit 101 may be an accounting server of a financial institution.

Here, accounts for overseas affiliates can be opened under the name of an overseas affiliate or payment agency. A deposit of a predetermined amount, for example, a deposit of 20 million won, which has been defined in advance, is deposited from an overseas affiliate. At this time, the amount of the payment made by the overseas affiliate company in advance to the overseas affiliate account is deposited in the form of a deposit. Domestic merchant-only accounts are opened in the name of domestic merchants and can be withdrawn from domestic merchants.

The billing unit 103 receives a request from the domestic merchant terminal 400 for settlement of the service utilization fee used by the domestic non-resident at the domestic merchant. And requests the overseas affiliate system 300 for the requested service use fee.

When the billing unit 103 receives a request for settlement of service use payment from the domestic merchant terminal 400 and the billing unit 103 requests the overseas affiliate system 300 for the service charge, , And requests the account management unit 100 to withdraw the usage fee from the account for exclusive use of the overseas affiliate and deposit it in the account for exclusive use of the domestic merchant.

At this time, when the settlement request is issued from the overseas affiliate system 300, the settlement proxy unit 105 can request the account management unit 100 to withdraw the charge from the account for exclusive use of the foreign affiliate and deposit it in the account for exclusive use of the domestic merchant.

In addition, the settlement substitution unit 105 processes the settlement request by the request unit 103 for each settlement request requested by the domestic merchant.

At this time, the account management unit 101 can manage a profit account for depositing a payment transaction fee. Then, the settlement substitution unit 105 subtracts the settlement commission fee from the amount withdrawn from the account for the overseas affiliate, and deposits it in the profit account. And request the account management unit 101 to deposit the withdrawn amount in which the settlement agency fee is deducted to the domestic merchant-exclusive account. Here, the revenue account may be an account of a settlement agency, that is, a financial institution name, to which overseas affiliates and domestic merchants are contracted.

2 is a series of flowcharts illustrating a settlement proxy method according to an embodiment of the present invention. Here, the description will be made in connection with the configuration of FIG. 1, and the same reference numerals as in FIG. 1 are used.

Referring to FIG. 2, the account management unit 101 of the settlement service system 100 establishes an overseas affiliate account, a domestic merchant account, and a profit account (S101). A deposit is deposited from the overseas affiliate to the overseas affiliate (S103). These deposits include non-resident non-residents, ie, the amount of service fees received from customers in advance. And the service may include a package affiliate service in which an affiliation relationship is established between a plurality of domestic merchants and an overseas affiliate. For example, a package travel service.

On the other hand, the billing unit 103 of the settlement agency system 100 receives the service use payment settlement request from the domestic merchant terminal 400 (S105). At this time, the received request may include an invoice.

Then, the billing unit 103 of the payment agent system 100 transmits the billing request according to the request received in step S105 to the foreign affiliate system 300 (S107).

The settlement substitute unit 105 of the settlement substitution system 100 receives the settlement request from the foreign affiliate system 300 (S109). At this time, the settlement request may be generated after the overseas affiliate system 300 confirms the settlement details.

The settlement substitution unit 105 of the settlement substitution system 100 fetches the service use fee from the overseas affiliate account (S111). In step S113, the deduced payment transaction fee is deducted from the withdrawn amount and deposited into the profit account. Then, the payment transaction fee is subtracted and the remaining withdrawal amount is deposited into the domestic merchant account (S115).

Here, steps S111 to S115 may be performed a plurality of times for each request received in step S105.

FIG. 3 is a schematic block diagram of a settlement proxy system according to another embodiment of the present invention. In FIG. 3, at least a part of the functions of the account management unit 101, billing unit 103 and settlement proxy unit 105 described with reference to FIG. Which can be used to perform the < / RTI >

3, the billing agency system 500 includes a processor 501, a memory 503, at least one storage device 505, an input / output (I / O) interface 507, and a network interface 509).

The processor 501 may be implemented as a central processing unit (CPU) or other chipset, microprocessor, and the like, and the memory 503 may be a dynamic random access memory (DRAM), a random access memory (RDRAM), a synchronous dynamic random access memory (SDRAM) And a RAM (SRAM).

The storage device 505 may be a hard disk, a compact disk read only memory (CD-ROM), a compact disk rewritable (CD) rewritable disk, a digital video disk ROM, Optical disk such as a DVD-RW disk, a blue ray disk, a flash memory, various types of RAM, or a permanent or volatile storage device.

In addition, the I / O interface 507 allows the processor 501 and / or the memory 503 to access the storage device 505, and the network interface 509 allows the processor 501 and / To access the network 200.

In this case, the processor 501 loads a program command for implementing at least some functions of the functions of the account management unit 101, the billing unit 103, and the payment substitute unit 105 into the memory 503, It is possible to control so that the described operation is performed for reference.

The memory 503 or the storage device 505 can perform the functions of the account management unit 101, the billing unit 103 and the settlement proxy unit 105 in cooperation with the processor 501. [

The processor 501, the memory 503, the storage device 505, the I / O interface 507, and the network interface 509 shown in Fig. 3 may be implemented in one computer or distributed in a plurality of computers .

The embodiments of the present invention described above are not implemented only by the apparatus and method, but may be implemented through a program for realizing the function corresponding to the configuration of the embodiment of the present invention or a recording medium on which the program is recorded.

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.

Claims (13)

As a payment agent system for payment between overseas affiliates and domestic merchants,
An account management unit for opening and managing an overseas affiliate exclusive account and a domestic merchant exclusive account in which the foreign affiliate deposits a service use fee used by a domestic non-resident in the domestic merchant, and
A settlement agent requesting the account management unit to withdraw the charge from the account for exclusive use of the foreign affiliate and deposit it in the account for exclusive use of the merchant in the domestic franchisee, part
. The method according to claim 1,
Wherein the overseas affiliate company deposits a predetermined amount of deposit predetermined in advance by the overseas affiliate. 3. The method of claim 2,
Wherein the overseas affiliated company account transfers the amount of money previously paid by the overseas affiliate customer in the form of deposit. The method according to claim 1,
Wherein the overseas affiliate includes an overseas bank or an overseas company that provides affiliate services to the domestic non-resident in connection with the domestic merchant. The method according to claim 1,
Further comprising a requesting unit for requesting payment of the use fee from the domestic franchisee and requesting the overseas partner company for the use fee,
The settlement agency may,
Wherein the requesting unit requests the user to withdraw the charge from the account for exclusive use of the foreign affiliate and deposit it in the account for exclusive use of the merchant. 6. The method of claim 5,
The settlement agency may,
Wherein the request for payment is made according to a settlement request of the overseas affiliate after the claimant requests the payment. The method according to claim 6,
The settlement agency may,
Wherein the charging unit processes the charging request for each charging request case requested from the domestic merchant. 6. The method of claim 5,
The account management unit,
Establish and manage a revenue account to deposit payment agency fees,
The settlement agency may,
Requesting the account management unit to deposit the amount deducted from the account exclusively for the overseas affiliate account to the profit account after deducting the settlement agency fee and to deposit the amount obtained by subtracting the payment agency fee from the withdrawn amount to the account for exclusive use of the domestic merchant Payment system. 6. The method of claim 5,
The revenue account,
Which is an account of a name of a financial institution to which the overseas affiliate and the domestic franchisee have a settlement service agreement. As a method for the settlement agency system to perform settlement between overseas affiliates and domestic affiliate shops,
Opening a dedicated account for overseas affiliates and a dedicated account for domestic merchants,
A step of depositing a deposit from the foreign affiliate company in the foreign partner exclusive account, and
A step of withdrawing the usage charge of the service used in the domestic franchisee from the domestic non-resident who is requested by the domestic franchisee from the account for exclusive use of the foreign affiliate and depositing the money in the account for the domestic franchisee
≪ / RTI > 11. The method of claim 10,
Wherein the depositing comprises:
Receiving a request for settlement of the utilization fee from the domestic merchant,
Requesting the usage fee from the overseas partner company, and
If the settlement request is received from the overseas affiliate, withdrawing the used money from the account for the overseas affiliate company and depositing the money in the account for the domestic affiliate dealer
≪ / RTI > 12. The method of claim 11,
Further comprising the step of establishing a revenue account for depositing a payment agency fee,
Wherein the depositing comprises:
Withdrawing the use amount from the account for the foreign affiliate,
Subtracting the settlement agency commission from the withdrawn amount and depositing the same in the profit account, and
Depositing an amount obtained by subtracting the payment transaction fee from the withdrawn amount to the account for exclusive use in the domestic merchant shop
≪ / RTI > 13. The method of claim 12,
Wherein the step of withdrawing comprises:
And withdrawing the usage charge from the account for exclusive use of the foreign affiliate according to the request for settlement requested by the domestic merchant in response to the settlement request.
KR1020130073912A 2013-06-26 2013-06-26 System and method for processing payment gateway KR20150001150A (en)

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Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180019021A (en) * 2018-02-05 2018-02-22 중소기업은행 Method and system for price adjustment for oversea open market
KR20220075592A (en) * 2020-11-30 2022-06-08 한국정보통신주식회사 Method for providing purchase and settlement service using foreign currency virtual account, and payment gateway server thereof

Cited By (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20180019021A (en) * 2018-02-05 2018-02-22 중소기업은행 Method and system for price adjustment for oversea open market
KR20220075592A (en) * 2020-11-30 2022-06-08 한국정보통신주식회사 Method for providing purchase and settlement service using foreign currency virtual account, and payment gateway server thereof

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