KR20150076785A - Method and server for cash rewards with automatic redemption for credit cards issued abroad - Google Patents

Abstract

According to an embodiment of the present invention, a method for providing a claim discount service for a card issued by a purchasing company server in a server of a foreign issuing company includes: a step of receiving a request for payment by a card which a server of a foreign issuing company issued; a step of generating minus sales for a claim discounted amount of a payment amount requested for paying after checking whether or not the claim discount service is provided in the member store based on the member store information included in the request for the payment; and a step of transmitting the full text of the minus sales to the server of the foreign issuing company.

Description

METHOD AND SERVER FOR CASH REWARDS WITH AUTOMATIC REDEMPTION FOR CREDIT CARDS ISSUED ABROAD

The present invention relates to a billing discount service providing method and an acquirer server, and relates to a method of providing a billing discount service for a card issued by an overseas issuer and an acquirer server.

Generally, the role of the issuer (the issuer) and the purchaser (the acquirer) for the payment of the card are separated. However, in the case of domestic cards, most card issuers and buyers are the same.

When a member presents a credit card to a merchant for payment of a card, the merchant transmits the payment request information through the card to the card company. The card company server inquires whether the card is usable or not, , A merchandise sales table is output from the merchant. Then, when the merchant submits the slip signed by the customer to the buyer, the amount of the fee is transferred to the merchant account.

In this way, the approval of the card payment is made immediately, but it takes several days for the purchase.

In particular, in the case of a card issued by an overseas issuer, the issuer and the buyer are inseparably separated from each other in the case of payment in the domestic market. Accordingly, if the card issuer desires to receive the discount service through the card issued by the issuer, The billing process will be different from the normal card payment process.

When a billing discount service is provided through a card issued by an overseas issuer, a billing discount service is provided through a method in which a foreign issuer generally generates negative sales and the remaining amount is charged to a member. In such a case, The burden of the discount discount can not be shared between the franchisee and the issuer, and the member can not accurately know the charge discount when checking the charge amount.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems of the prior art, and it is an object of the present invention to provide a bill discount service for a card issued by an overseas issuer.

The objects of the present invention are not limited to the above-mentioned objects, and other objects not mentioned can be clearly understood from the following description.

According to another aspect of the present invention, there is provided a method for providing a charge discount service for a card issued by an acquirer server to an issuer server, the method comprising: Receiving a payment request via one card; Determining whether the merchant is a merchant providing a bill discount service based on the merchant information included in the payment request, and then generating negative sales of the bill discounted amount among the requested payment amount; And transmitting a message about the minus sales to the issuer server of the foreign issuer.

The external issuer server may approve the settlement for the minus sales specialization and request the final settlement amount deducted from the settlement amount by the negative sales amount for the card that requested the settlement. The minus sales can be shared by the issuer and the franchisee according to a preset ratio.

According to another aspect of the present invention, there is provided an acquirer server for providing a charge discount service for a card issued by an overseas issuer server, A payment request receiving unit for receiving a payment request through the card; A minus revenue generating unit for generating minus sales for a bill discounted amount out of the payment amount requested to be paid after confirming whether the merchant is a merchant providing the bill discount service based on the merchant information included in the payment request, ; And a minus sales specialist transmitting unit for transmitting the special information about the minus sales amount to the oversea issuer.

The external issuer server may approve the settlement for the minus sales specialization and request the final settlement amount deducted from the settlement amount by the negative sales amount for the card that requested the settlement. The minus sales can be shared by the issuer and the franchisee according to a preset ratio.

According to an embodiment of the present invention, when the user makes a final payment, the user can provide information on the discounted amount in addition to the final payment amount that is discounted, so that the card user can easily grasp the discounted amount of the charge.

In addition, according to the embodiment of the present invention, since the buyer server generates negative sales, the burden on the cashbag can be given to the franchisee, so that the risk of the issuer's request discount can be alleviated.

It should be understood that the effects of the present invention are not limited to the above effects and include all effects that can be deduced from the detailed description of the present invention or the configuration of the invention described in the claims.

1 is a diagram illustrating a billing discount service providing system according to an embodiment of the present invention.
2 is a block diagram illustrating a configuration of an acquirer server according to an exemplary embodiment of the present invention.
3 is a flowchart illustrating a bill discount service providing process according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described with reference to the accompanying drawings. 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 a part is referred to as being "connected" to another part, it includes not only "directly connected" but also "indirectly connected" . Also, when an element is referred to as "comprising ", it means that it can include other elements, not excluding other elements unless specifically stated otherwise.

In the present specification, the term " discounted charge " is used as a term for paying all the values at the settlement site at the time of payment of a card and receiving a cash back at a later discounted amount of the card settlement date.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a billing discount service providing system according to an embodiment of the present invention.

Referring to Figure 1, The billing discount service providing system according to an embodiment of the present invention may include an acquirer server 100, an overseas issuer server 200, and an affiliate shop terminal 300 that can communicate with each other through a communication network.

First, the communication network can be configured without regard to its communication mode such as wired and wireless. A local area network (LAN), a metropolitan area network (MAN), a wide area network (WAN), and the like.

The acquirer server 100 is a server of an acquirer who buys sales generated at an affiliated store, and plays a role of depositing a sales proceeds to a merchant when the card user makes a settlement with a card at the merchant.

The external issuer server 200 is a server of a company located outside the country that issues a card to customers, and can perform a card settlement process together with a contract with the acquirer server 100 described above.

When the user 400 intends to make a payment at a domestic merchant through a card issued by the issuer server 200, the settlement process can be performed through the buyer server 100 located in the domestic market. At this time, the acquirer server 100 may be a card issuer server.

The merchant terminal 300 is a terminal used for processing payment at an affiliate store, and may be a POS terminal. The merchant terminal 300 may be a POS terminal and may be connected to a network such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP Based wireless communication device that can be connected to an external server such as the acquirer server 100. In addition, the wireless communication device 100 may include a desktop PC, a tablet PC, a laptop PC, an IPTV including a set- Likewise, the network may also include a communication device that may be coupled to an external server, such as the acquirer server 100.

The acquirer server 100 according to the embodiment of the present invention is responsible for relaying settlement using the card issued by the issuer server 200 and generating negative sales of the discount discount amount to provide the discount discount service .

In more detail, the user requests payment from a card issued by the issuer server 200 at the merchant. Accordingly, the merchant terminal 300 transmits a card settlement request for the settlement amount to the acquirer server 100. [ At this time, it is assumed that the merchant is a merchant to which a bill discount service provided by the issuer server 200 is applied.

Based on the received payment request, the acquirer server 100 can confirm whether the merchant requesting the settlement is an agent providing the discount discount service from the issuer server 200.

If the merchant server 100 determines that the merchant requesting settlement is a merchant that is provided with the discount service, the buyer server 100 calculates the discount discount amount based on the requested payment amount, It can generate sales.

Thereafter, the acquirer server 100 generates a message about the generated negative sales and sends it to the issuer server 200 of the foreign issuer 200. The issuer server 200 transmits a specialist And can approve it.

When the approval for negative sales is completed, an amount deducted from the payment amount requested by the corresponding minus sales amount may be calculated as a final payment amount, and the card user 400 may be billed at a predetermined billing date.

The user 400 deposits the final settlement amount of the discounted charge to the external issuer server 200 and the external issuer server 200 transmits the final discounted amount of money deposited by the user 400 to the off- To the acquirer server 100, as shown in FIG. Of course, the 100% off-balance sheet issuer server 200 may bear the discounted amount in this way, but the franchisee and the off-balance sheet issuer may share the same in accordance with a predetermined contract or the like.

The acquirer server 100 deposits the settlement amount corresponding to the settlement request to the account of the merchant, and then deposits the settlement amount of the sum of the discounted amount (minus revenue generation amount) to the final settlement amount from the overseas issuer server 200 Can receive. In this process, the acquirer server 200 can receive the fee for the above-mentioned payment process process from the merchant and the overseas issuer.

Hereinafter, a configuration of the acquirer server 100 according to an embodiment of the present invention will be described with reference to FIG. 2 is a block diagram illustrating the configuration of an acquirer server 100 according to an embodiment of the present invention.

2, the acquirer server 100 may include a settlement request receiving unit 110, a minus revenue generating unit 120, and a minus sales specialist transmitting unit 130.

The settlement request receiving unit 110 receives a settlement request from a merchant terminal via a card issued by an overseas issuer.

If the payment request received by the settlement request receiving unit 110 is a settlement request received from an agent providing an invoice discount service at an overseas issuer, the minus revenue generating unit 120 generates negative sales for the discount discount amount.

For example, when a payment request through card a issued by an overseas issuer is received from the merchant A, the negative sales generating unit 120 confirms whether the merchant A is an merchant providing the discount service at the issuer of the card a Then, when the merchant A is the merchant providing the discount service, it generates negative sales for the predetermined discount discount rate (discount rate).

If the 1,000 won bill discount service is provided for the 10,000 won settlement request, the minus revenue generating unit 120 generates a negative sales of 1,000 won.

Thereafter, the minus sales specialist transfer unit 130 transmits the full details of the minus sales history to the issuer server of the foreign issuer.

The external issuer server which received the specialization about the minus sales history confirms that it is specialized in the legitimate negative sales and then charges the final payment amount deducted from the payment amount by the negative sales amount to the card which requested the payment.

The acquirer server 100 deposits the settlement amount corresponding to the settlement request received from the merchant terminal to the account of the merchant, and thereafter receives the amount of payment paid from the overseas issuer, I get it back.

In the case of the above-described example, the minus sales specialist transmission unit 130 transmits a message for minus sales of 1,000 won to the external issuer server, and the foreign issuer server transmits the minus sales amount You can claim Card A for the final settlement amount of 9,000 won, which is the deduction of the final settlement amount, that is, 10000 won to 1000 won.

Then, the foreign issuer who received the 9000 won from the user of the card a pays the minus sales amount, that is, the minus sales amount himself, and the final payment amount received from the user of the card a is 9000 won, Of the total amount of the settlement amount of 10,000 won can be deposited into the buyer.

At this time, although the foreign issuer may bear the full amount of the negative sales amount of 1,000 won as in the above example, the franchisee and the overseas issuer may be jointly charged according to the predetermined burden ratio. For example, if the co-payment ratio of negative sales between the issuer and the merchant is 7: 3, 700 won out of the minus 1,000 won can be paid by the overseas issuer and 300 won by the merchant.

As described above, according to the embodiment of the present invention, by generating negative sales in the negative sales generating unit 120 of the acquirer server 100, the burden on the negative sales can be given to the merchant, By sending it to the overseas issuer server, the member can easily know that the billing discount service has been provided since the member can know the information about the amount of the negative sales as well as the final payment amount at the time of billing.

3 is a flowchart illustrating a bill discount service providing process according to an embodiment of the present invention.

Hereinafter, it will be assumed that a payment for a payment amount of 10000 won is requested from the merchant B providing the 10% charge discount service for the card a issued by the overseas issuer A through the card a.

First, when the user of the card a requests payment for 10,000 won at the merchant B, the merchant terminal 300 transmits a payment request for 10,000 won to the acquirer server 100.

The acquirer server 100 confirms whether the merchant B has a merchant who provides the discount discount service to the overseas issuer A based on the merchant information included in the payment request.

If it is determined in step S320 that the merchant B receives the payment request, the merchant B calculates the discount discount amount based on the discount rate set in step S320.

That is, since the merchant B to which the payment request is received is a merchant to whom the charge discount service for 10% of the payment amount is applied, the buyer server 100 generates negative sales of 1000 won, which is 10% of the settlement amount of 10000 won S320).

Then, the specialist for the generated negative sales (-1000 won) is transmitted to the server 200 of the issuing company A (S330).

The overseas issuer server 200 confirms whether or not the merchant B where the minus sales occurred is an affiliated store where the discount discount service is provided and whether negative sales corresponding to the discount discount rate are generated based on the received specialist, (S340).

The server 200 of the foreign issuer B calculates the final settlement amount based on the approved minus sales. The final settlement amount of 9000 won, which is the amount of the settlement amount of 10000 won, (S350).

Thereafter, the user 400 can deposit the final settlement amount of 9,000 won to the foreign issuer server 200 (S360).

The external issuer server 200 can deposit the 10,000 won amount of money into the account of the acquirer server 100 by adding 1000 won of the negative sales amount generated in the final settlement amount 9000 won received from the user 400, If the franchisee and the overseas issuer are set to share the negative sales in advance, the foreign issuer and the franchisee can bear the negative sales according to the preset ratio.

For example, if the joint burden ratio is 7: 3 for each foreign issuer and franchisee, the foreign issuer can pay 700 won and the franchisee can pay 300 won.

The acquirer server 100 generates a sales slip for the requested amount of money and deposits the payment amount requested to be paid to the merchant. After that, the acquirer server 100 receives the card user The payment amount of the minus sales amount paid by the overseas issuer and the merchant can be received.

According to the present invention, the issuing company A can know not only the information on the initial payment amount but also information on the negative sales amount of the discounted amount, so that when the final payment amount is charged to the user of the card a, In addition to the final payment amount, information on the discounted amount can be provided, so that the card user can easily grasp the discounted amount and the discounted amount.

Further, according to the embodiment of the present invention, since the buyer server generates negative sales, the burden on the cashbag can be given to the franchisee, so that the risk of the issuer's request discount can be alleviated.

It will be understood by those skilled in the art that the foregoing description of the present invention is for illustrative purposes only and that those of ordinary skill in the art can readily understand that various changes and modifications may be made without departing from the spirit or essential characteristics of the present invention. will be. It is therefore to be understood that the above-described embodiments are illustrative in all aspects and not restrictive. For example, each component described as a single entity may be distributed and implemented, and components described as being distributed may also be implemented in a combined form.

The scope of the present invention is defined by the appended claims, and all changes or modifications derived from the meaning and scope of the claims and their equivalents should be construed as being included within the scope of the present invention.

100: The acquirer server
200: Overseas issuer server
300: Merchant terminal
400: User
110: payment request receiver
120: Negative sales portion
130: Negative sales specialist transfer department

Claims (6)

A method for providing a charge discount service for a card issued by an acquirer server from an issuer server,
Receiving a settlement request from a merchant terminal via a card issued by the external issuer server;
Determining whether the merchant is a merchant providing a bill discount service based on the merchant information included in the payment request, and then generating negative sales of a bill discounted amount of the requested payment amount; And
And transmitting a message about the negative sales to the issuer server of the foreign issuer.
The method according to claim 1,
Wherein the external issuer server comprises:
Approval of payment for the minus sales specialization,
And a final payment amount that is subtracted from the settlement amount by a minus sales amount is charged to the card that requested the settlement.
The method according to claim 1,
The negative sales,
And the foreign issuer and the franchisee jointly bear the fee according to a preset ratio.
An acquirer server for providing a charge discount service for a card issued by an overseas issuer server,
A settlement request receiving unit for receiving a settlement request from a merchant terminal via a card issued by the external issuer server;
A minus revenue generating unit for generating minus sales for a bill discounted amount out of the payment amount requested to be paid after confirming whether the merchant is a merchant providing the bill discount service based on the merchant information included in the payment request, ; And
And a minus sales specialist transmitting unit for transmitting the specialization about the minus sales amount to the oversea issuer.
5. The method of claim 4,
Wherein the external issuer server comprises:
Approval of settlement for the minus sales amount total,
Wherein the billing server requests a final payment amount deducted from the settlement amount by minus sales amount for the card that requested the settlement.
5. The method of claim 4,
The negative sales,
The external issuer and the franchisee co-pay in accordance with a preset ratio.

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