KR20170118027A - Financial service method of dealings for which buying of credit card credit of sales and provision ahead of the buying price were used based on danger avoidance guarantee as collateral - Google Patents

Abstract

The present invention relates to a method for purchasing a credit card receivable secured by a risk avoidance guarantee and using a prepayment of a credit, and a credit transaction device purchases a credit card of a credit card merchant after receiving the guarantee of the guarantee device , Payment of the amount of the card bond money from the account of the bond transaction device to the account of the franchisee excluding the commission fee, and payment of the amount of the card bond through the virtual account of the franchisee to the account of the bond transaction device. This allows credit card franchisees to receive payment for their trade receivables quickly, streaming the flow of merchants.

Description

[FIELD OF THE INVENTION] [0001] The present invention relates to a financial service transaction method for purchasing a credit card receivable secured by a risk-avoiding guarantee and using prepaid money avoidance guarantee as collateral}

The present invention relates to a financial service transaction method, and more particularly, to a credit card merchant purchasing a credit account receivable of a customer to be paid by a credit card company, This is a method of purchasing credit card receivables secured by risk avoidance guarantee and financial service transaction using prepayment of money, which can receive the discounted purchase income of the bond and smooth the flow of funds of the merchant, .

A credit card is a type of consumer credit. When a member who enters into a contract with a card issuer purchases goods or services from an affiliated shop, etc., the card company can present the card issued and sign the slip without purchasing cash. At this time, if the credit card of the customer is read to the terminal provided at the credit card merchant, the payment request information is transmitted to the credit card company, inquires of whether or not the credit card is usable, and the result is returned and the transaction sales table is output.

Then, when the merchant submits the slip signed by the customer to the buyer, the amount of the fee is transferred to the account of the merchant. Recently, the transfer slip is omitted and it is common to transfer the slip through the computer.

However, from the time of submitting the credit card slip, it takes a period of several days to several weeks until the credit card receivable proceeds are deposited into the account of the franchisee. During this period, the franchisees are under pressure do.

The general purpose of finding a solution to this problem is to provide loans (credit) as collateral for credit card receivables, and those who implement them are classified as those who have legitimate qualifications and those who execute illegally.

However, since all of them treat card bonds as collateral, they can not escape the category of loans. Therefore, we are engaged in various illegal business activities to meet the realistic wall of interest restriction and to make profit exceeding it.

To overcome this, it is not about looking at the card bonds as collateral but about the technology that aims at eliminating the prohibition of the card receivables from the transaction through the transactions that buy and sell the bonds.

Korean Patent Publication No. 10-2001-0078851 (published on Aug. 22, 2001) Korean Patent Publication No. 10-2001-0082133 (published on Aug. 29, 2001)

It is an object of the present invention to overcome the above-mentioned problems, and it is an object of the present invention to provide a method and system for purchasing and paying a credit card trade receivable secured by a risk avoidance guarantee for facilitating the flow of funds of a merchant by pre- To provide a method of trading financial services using prepayment.

In order to provide financial products to merchants,

1. Elimination of illegal property: In order to secure the structure and publicity of the product, it is required to register as a financial product with the approval of the government so as to secure the legality of general versatility (the area where it can be omitted) and

2. Securing safety and versatility: Provide financial or credit guarantees so that card companies can securely purchase merchant receivables from franchisees (ensuring safety) (areas that can not be omitted) Equipped with a universal application technology

3. Parties' Note: Based on the recommendation of the guarantor, the transaction of the party's attention,

4. Card companies can lower the risk of purchasing card bonds. Merchants can offer financial transaction methods that use credit cards 'receivables' payment regardless of industry or size.

5. To propose a technology as a new means of sorting out all the unreasonable transactions that are occurring in the area of loans with card receivables as collateral.

In order to achieve the above object, there is provided a method for purchasing credit card receivables secured by the risk avoidance guarantee of the present invention and using a prepayment of money, wherein the credit transaction device is provided with a credit card merchant The method comprising the steps of: purchasing a card bond of the credit transaction device; paying an amount of the card bond money from the account of the bond transaction device to the account of the merchant credit except for a fee; And a step of receiving a payment of the card bond.

In a method for purchasing a credit card receivable secured by the risk avoidance guarantee of the present invention and using a prepayment of money, a method for trading a financial service using a purchase exclusive card which can be purchased by discounting a commodity or a service Issuing the merchandise or service to the merchant, and purchasing the merchandise or service using the merchant card at the merchant.

In the method for purchasing a credit card receivable secured by the risk avoidance guarantee of the present invention and using a prepayment of a fee, the step of paying the amount includes: And the remaining amount after the offsetting is paid to the account of the franchisee.

In a method for purchasing a credit card receivable secured by the risk avoidance guarantee of the present invention and using a prepayment of money, the merchant functions as a collateral for purchasing the credit card before the payment of the amount Further comprising the step of establishing a term deposit account or a savings account.

The method of claim 1, further comprising the step of receiving a loan from the merchant, the method comprising: receiving a credit card receivable and guaranteeing a risk avoidance of the present invention; Is offset to the price of the card bond, and the balance after the offsetting is paid to the account of the merchant.

The method of the present invention may further comprise the step of purchasing a credit card receivable secured by the risk avoidance guarantee of the present invention and redeeming the loan with the regular gold in the financial service transaction method using advance payment of money.

According to the financial service transaction method using credit card receivable purchase and payment prepayment secured by the risk avoidance guarantee of the present invention, since the credit card merchant can receive payment for accounts receivable quickly, , And the rotation profit resulting from this increases.

Also, a card for exclusive use for purchase, which can be purchased by discounting the goods or services necessary for the operation of the merchant, is issued, thereby inducing the merchant to use the service according to the present invention.

In addition, the franchisee can arrange a regular account or a savings account to cover the risks of purchasing card bonds.

FIG. 1 is a diagram illustrating a configuration of a financial transaction system for card bond transaction according to an embodiment of the present invention.
FIG. 2 is a view illustrating a process of paying a credit card amount according to an embodiment of the present invention.
FIG. 3 is a diagram illustrating a process of paying a credit card amount according to another embodiment of the present invention.

In the following description, only parts necessary for understanding the embodiments of the present invention will be described, and the description of other parts will be omitted so as not to obscure the gist of the present invention.

The terms and words used in the present specification and claims should not be construed as limited to ordinary or dictionary meanings and the inventor is not limited to the meaning of the terms in order to describe his invention in the best way. It should be interpreted as meaning and concept consistent with the technical idea of the present invention. Therefore, the embodiments described in the present specification and the configurations shown in the drawings are merely preferred embodiments of the present invention, and are not intended to represent all of the technical ideas of the present invention, so that various equivalents And variations are possible.

The present invention relates to a financial transaction method using a credit card trade receivable. Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a diagram illustrating a configuration of a financial transaction system 100 for a card bond transaction according to an embodiment of the present invention.

1, the financial transaction system 100 includes a merchant terminal 10, a VAN company server 20, a card issuer server 30, a bond transaction apparatus 40, and a guarantee apparatus 50.

The merchant terminal 10 is a terminal device such as a CAT (Credit Authorization Terminal) which is installed at a credit card merchant store and reads a customer's credit card to confirm whether or not to purchase. The merchant terminal 10 automatically reads the issuer, the card number, and the like displayed on the credit card, checks the validity or the limit of the credit card through the communication line, and permits postpay processing.

When the merchant terminal 10 recognizes the credit card of the customer, it transmits a payment approval request to the VAN company server 20. When the merchant terminal 10 receives approval data from the VAN company server 20, Provide goods or services to customers.

The VAN company server 20 is a server device on a value added network (VAN) for providing data information added value such as information accumulation, processing, change processing, etc. through a communication line.

When the VAN company server 20 receives the payment approval request of the credit card from the merchant terminal 10, the VAN company server 20 selects the corresponding card company server 30 according to the received credit card information and transmits a payment approval request. At this time, the VAN company server 20 can transmit the information of the credit card used for settlement and the information of the affiliated shop to which the settlement is made to the card company server 30 to request approval.

When approval of the credit card is made from the card issuer server 30, the approval data is transmitted to the merchant terminal 10 based on the information received from the card issuer server 30, and the settlement is normally performed using the credit card .

In addition, the VAN company server 20 transmits the approval data to the bond transaction apparatus 40 upon approval from the credit card company 30 for the credit card.

The card issuer server 30 is a server apparatus for processing payment based on purchase using the credit card based on credit card information and merchant information transmitted from the VAN company server 20. [

When the card issuer server 30 receives a payment approval request from the VAN company server 20, it confirms whether the credit card is valid and exceeds the usage limit by using the information of the credit card, And transmits the approval data to the server 20.

The bond transaction device 40 is a device for purchasing a credit card according to the sales of the credit card merchant and making payment to the merchant.

The guarantee device 50 is a device of the guarantor side that requests the purchase of the card bond purchased by the bond transaction device 40 and imposes a default risk on the requested amount.

Upon receipt of approval data from the VAN company server 20 upon approval of the credit card settlement, the bond transaction apparatus 40 confirms that the settlement has been normally performed using the credit card.

Then, the bond transaction device 40 purchases the card bonds of the merchant that has been approved by the guarantee device 50 and approved by the affiliate shop 40, and the account of the bond transaction device 40 is paid to the account of the merchant Notify financial institution or card company. At this time, the bond transaction device (40) is made to pay the actual amount of the card bond excluding the predetermined fee.

In this case, the bond transaction apparatus 40 may collect the card bonds approved for a predetermined period, and cause the corresponding amount to be paid to the account of the merchant at a time. For example, the bond transaction device 40 may accumulate the amount of the card bond for one day, and then transfer the fee to the account of the merchant based on the combined amount. Through this, the merchant can receive the corresponding amount of prepayment within one day after the card bond is generated.

Thereafter, the account of the bond transaction device by the card company or the financial institution, and the payment for the card bond purchased from the merchant are deposited. In this case, the money can be deposited into the account of the bond transaction device through the virtual account of the merchant.

Meanwhile, the bond transaction apparatus 40 can issue a purchase exclusive card, which can be purchased by discounting a product or service through a credit card company, to the affiliated shop so as to induce subscribing to the service according to the present invention. For example, if you need to purchase materials for sales at a merchant, you can support discount purchases through B2B (Business to Business) contracts with sellers of the materials. In this way, the franchisees can receive full or partial amount of the fee for the portion of the fee that accrues in accordance with prepayment of the card bond.

At this time, the bond transaction device 40 processes the purchase price of the product or service purchased using the purchase exclusive card at the merchant with the credit amount of the card based on the settlement using the credit card, and transfers the balance to the account of the merchant Can be paid.

In addition, the bond transaction device (40) can allow the merchant to open a regular deposit account or a savings account through a financial institution. The merchant can collect interest and pursue interest income at the same time, and the bond transaction device (40) can act as a collateral for the purchase of the credit card account of the merchant by the term deposit account or the savings account,

In addition, when a franchisee receives a loan from a financial institution or a credit card company, the bond transaction apparatus 40 can offset the loan with the amount of the card bond, and pay the balance after the offsetting to the account of the franchisee. At this time, the financial company or the credit card company that made the loan can have the merchant repay the loan with regular gold.

The process of the bond transaction apparatus 40 paying for the credit card according to the present invention will be described in detail with reference to FIG. 2 and FIG.

FIG. 2 is a view illustrating a process of paying a credit card amount according to an embodiment of the present invention.

Referring to FIG. 2, when the merchant terminal recognizes a credit card, information such as a credit card issuer and a card number is transmitted to the VAN server to request payment approval (S1).

The server of the VAN company requests the approval of the payment by the card company server corresponding to the credit card, and transmits approval data from the card company server to the merchant terminal to inform approval of the payment (S2).

The VAN company server transmits the approval data to the bond transaction device after approval of the credit card is made from the card company server. The guarantee device assures the bankruptcy risk of the credit card money of the merchant (S3), and the bond transaction device (S4).

Thereafter, the bond transaction device allows the account of the merchant to receive the payment of the card bond excluding a certain fee (S5).

The bond transaction apparatus in step S5 can preempt the commission based on the discount purchase of the card bond and can pay the commission according to the guarantee of the guarantee apparatus.

The bond transaction apparatus in step S5 may collect the card receipts approved for a predetermined period and cause the corresponding amounts to be paid to the account of the merchant at a time. For example, Afterwards, the amount of the fee can be deposited into the account of the merchant based on the combined amount.

Thereafter, a payment is made to the card bond purchased from the merchant as an account of the bond transaction device by the card company or the financial company (S6).

According to the embodiment, the bond transaction apparatus may allow the merchant to open a periodic deposit account or a savings account through a financial institution before step S6. The merchant can collect interest and pursue interest income at the same time, and the bond transaction device can function as a collateral for the purchase of the credit card account of the merchant by the term deposit account or the deposit account, so that it can prepare for rejection of the acceptance.

If a franchisee receives a loan from a financial institution or a credit card company, it can offset the loan from the amount of the credit card and pay the remaining balance to the account of the franchisee. The credit card company or the credit card company that made the loan, To be repaid.

FIG. 3 is a diagram illustrating a process of paying a credit card amount according to another embodiment of the present invention.

Referring to FIG. 3, the bond transaction apparatus issues a purchase exclusive card, which can be purchased by discounting a product or service through a credit card company, to the credit card merchant (S11).

The purchase exclusive card issued in step S11 can support a discount purchase through a B2B (Business to Business) contract or the like.

The merchant purchases various products or services for sales using the purchase exclusive card (S12).

The bond transaction device processes the purchase price of the merchant using the purchase exclusive card with the price of the card bond purchased as the merchant (S13).

Then, the account balance of the bond transaction device is paid out to the account of the merchant (step S14).

In step S14, the bond transaction device provides a certain amount of a certain fee in the credit card payment of the merchant. However, according to the discount rate of the exclusive card used for the purchase in step S11, In whole or in part.

Thereafter, a payment is made to the card bond purchased from the merchant as an account of the bond transaction device by a credit card company or a financial company (S15).

At this time, the purchase exclusive card issuing process of step S11 and the purchasing process of step S12 may be performed at any time before step S15.

According to the embodiment, the bond transaction apparatus may allow the merchant to open a regular deposit account or a savings account through a financial institution before step S15. The merchant can collect interest and pursue interest income at the same time, and the bond transaction device can function as a collateral for the purchase of the credit card account of the merchant by the term deposit account or the deposit account, so that it can prepare for rejection of the acceptance.

If a franchisee receives a loan from a financial institution or a credit card company, it can offset the loan from the amount of the credit card and pay the remaining balance to the account of the franchisee. The credit card company or the credit card company that made the loan, To be repaid.

It should be noted that the embodiments disclosed in the present specification and drawings are only illustrative of specific examples for the purpose of understanding, and are not intended to limit the scope of the present invention. It will be apparent to those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein. Furthermore, although specific terms are used in this specification and the drawings, they are used in a generic sense only to facilitate the description of the invention and to facilitate understanding of the invention, and are not intended to limit the scope of the invention.

10: Merchant terminal
20: VAN company server
30: Card issuer server
40: Bond trading device
50: Warranty device
100: Financial Transaction System

Claims (4)

The guarantee device requests purchase of the card bond purchased by the bond transaction device and guarantees the default risk of the card bond money;
The bond transaction apparatus purchasing a credit card of a credit card merchant that is guaranteed by the guarantee apparatus;
Receiving credit from the credit card merchant;
Paying an amount of money (excluding a commission based on the warranty of the guarantee device) in the credit card payment from the account of the bond transaction device to the account of the merchant; And
And a step of depositing a payment of the card bond through a virtual account of the merchant to the account of the bond transaction apparatus, the method comprising: purchasing a credit card receivable secured by a risk avoidance guarantee; The method according to claim 1,
Before the step of paying the amount,
Issuing to the merchant a purchase exclusive card capable of purchasing a product or service at a discount; And
Purchasing a product or service using the purchase exclusive card at the merchant;
The method of claim 1, further comprising the step of purchasing a credit card receivable secured by the risk avoidance guarantee and financing service transaction using advance payment of the money. 3. The method of claim 2,
The step of paying the amount includes:
Wherein the purchase price of the credit card receivable and the amount of the purchase price of the credit card receivable secured by the risk avoidance guarantee are characterized in that the purchase price using the purchase exclusive card is offset from the price of the card bond and the balance after the offsetting is paid to the account of the merchant. A method of financial service transaction using advance payment. The method according to claim 1,
And a step in which the franchisees redeem the loan with a periodic payment of money. The method of claim 1, wherein the purchase of the credit card receivable and the prepayment of the credit card are secured.

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