KR20170138820A - System and method of cash flow through transferring account receivable - Google Patents

Abstract

A system for securing cash flow through transferring the debit note of the credit card may include a credit card merchant terminal for transmitting a card approval request for requesting the transfer of the debit note of the credit card in accordance with an order for goods or services from a credit card member, a credit card company server that transmits a card approval response in response to the card approval request, wherein the card approval request includes a payment due date, and a bank company server that deposits the amount of debit note obtained by deducting merchant commission from the debit note of the credit card according to requesting the transfer into a merchants account wherein the amount of debit note is deposited at the payment data of the debit note of the credit card. It is possible to protect a merchant and instantly ensure cash flow.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a system and a method for securing cash flow through transfer of credit card receivables,

The present invention relates to a system and method for securing a cash flow through transfer of credit card receivables.

Generally, in a credit card payment system, when a credit card member purchases an item or service at a credit card merchant, the credit card issuer first pays the credit card merchant a credit for payment made on behalf of the credit card merchant, The system allows credit card members to purchase goods or services without having to pay cash immediately by allowing the cardholder to collect the payment on the payment date.

In Korea, credit card, credit card merchant, and credit card issuer are involved in the transaction. However, there are the following problems under the above-mentioned three-party transaction structure.

Specifically, a credit card issuer collects credit card members, issues credit cards, and collects credit card merchants separately. In this way, in addition to the recruitment and management of credit card members, high costs are incurred due to recruitment and management of credit card merchant stores, and such costs are transferred to credit card merchants.

In addition, only the credit card issuer can purchase the slip generated by the purchase of the goods or services of the credit card member. The credit card merchant presents the slip of the credit card member to the issuer of the goods, The amount of the purchase price of the goods or services will be received by the issuer excluding the commission fee set by the issuer in advance.

In this way, only the credit card issuer can purchase the slip generated by the purchase of the goods or services of the credit card member, so that the credit card issuer is allowed to determine the commission of the credit card merchant. As a result, the credit card merchant has a low bargaining power in determining the merchant commission fee, which is the cost of handling credit card transactions. In particular, a small merchant has a high commission fee.

In particular, it usually takes 3 to 15 days for credit to be credited to a merchant after credit card sales approval. For example, assuming that the merchant is a gas station, the proceeds will be deposited 3 to 15 days after the date of issue of the slip. Therefore, it is necessary to borrow cash at a very high interest rate (at least 20%) after providing the receivables (slip) as collateral to the bond markets or savings banks as the franchisees to buy oil during the period, There is a problem that it becomes a considerable burden for the merchant's position.

Related technology is Korean Patent No. 1006690 (registered on Dec. 30, 2010).

Korean Registered Patent No. 1006690 (registered on Dec. 30, 2010)

SUMMARY OF THE INVENTION The present invention has been made in order to solve the above problems, and it is an object of the present invention to provide a credit card merchant that can protect the merchant, which is an economic weak, and secure the liquidity of cash immediately, And provide a cash flow securing system and method by transferring credit card receivables that can generate new revenue sources from the bank's perspective.

According to an aspect of the present invention, there is provided a credit card merchant terminal for transmitting a card approval request for requesting a positive number of credit card receivables from a credit card member according to an order for goods or services; A credit card company server for transmitting a card acceptance response in response to the card acceptance request, including a payment due date in the card acceptance request; And depositing the account receivable amount calculated based on the predetermined discount rate and the payment settlement date in the credit card accounts receivable to the account of the credit card merchant account according to the positive number request and depositing the credit card account receivable on or before the next day Which provides a cash flow securing system through the transfer of credit card receivables including banking server.

According to another aspect of the present invention, there is provided a credit card merchant terminal, comprising: a card acceptance request requesting a positive number of a credit card receivable from a credit card member according to a goods or service order; Transmitting, at the credit card company server, a card acceptance response in response to the card acceptance request, including a payment due date in the card acceptance request; And a bank company server, depositing the account receivable price calculated on the basis of the predetermined discount rate and the payment settlement date in the credit card accounts receivable in the account of the credit card merchant account in accordance with the positive number request, Or at least the next day depositing credit card receivables.

According to one embodiment of the present invention, a credit card receivable from a credit card member is to be pumped to a bank having a large amount of funds, By allowing the merchant to deposit money in the merchant until the next business day, it is possible to protect the merchant, which is an economic weak, to secure cash liquidity immediately, and to lower the credit card merchant's commission fee by increasing the bargaining power of credit card merchants in determining merchant fees.

Also, from the viewpoint of the bank, there is a technical effect that a new commission can be created by paying a predetermined commission on the amount of the credit card receivable in accordance with the payment date.

1 is an overall block diagram of a system for securing a cash flow through transfer of a credit card trade receipt in accordance with an embodiment of the present invention.
2 is a flowchart illustrating a method for securing a cash flow through transfer of a credit card receivable in accordance with an embodiment of the present invention.

Hereinafter, various embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the embodiments of the present invention can be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The embodiments of the present invention are provided to more fully describe the present invention to a person having ordinary skill in the art to which the present invention belongs. Accordingly, it should be noted that the shapes, sizes, etc. of the components shown in the drawings may be exaggerated for clarity.

In the present specification, the term "credit card trade receivable" means a bond generated when a credit card purchaser purchases goods or services from a credit card merchant, and a certificate issued by a credit card merchant is a certificate thereof (however, The amount of the trade receivable is the amount of the document minus the commission fee (typically 1.5%) between the credit card company and the merchant. These credit card receivables can be transferred by credit card franchisees to the banking company, which can be pumped by the bank.

"Transfer of credit card receivables" refers to the transfer of credit card receivables from a credit card merchant to a third party (a bank).

In this specification, the term "payment date" means the date on which the credit card company deposits the credit card receivable amount to the bank company, which is calculated from the date of occurrence of the credit card trade receivable, And may be about 2 to 15 days from the date of occurrence.

1 is an overall block diagram of a system for securing a cash flow through transfer of a credit card trade receipt in accordance with an embodiment of the present invention. First, a system for securing a liquidity of cash according to an embodiment of the present invention will be described with reference to FIG.

As shown in Fig. 1, the credit card merchant terminal 102 is a server installed in a credit card merchant. This credit card merchant terminal 102 is a credit card merchant terminal that receives a credit card receipt from a credit card member 101, And transmits the card approval request data to the subscriber server 103. Here, the card approval request data may include information for valid payment of a credit card such as other approval number, information of credit card merchant, amount of goods or service ordered, card number of credit card, expiration date, .

The credit card merchant terminal 102 receives the card approval response data from the server 103 and can issue a document corresponding to the transaction details to the credit card member 101 based on the received card approval response data . In particular, according to an embodiment of the present invention, the card approval response data may include information on the ambitious bank of the credit card receivable, so that the ambit of the credit card receivable can be included in the receipt.

The bank server 103 may be a server installed in a VAN (Value Added Network) company. In this case, such a banker may install a terminal and a network in a credit card merchant so that the card can be paid by the credit card member 101 It can be a company that gives. The banknameserver 103 includes a credit flag and credit card account information of the credit card company in the card approval request message generated based on the card approval request data received from the credit card merchant terminal 102, 104). At the same time, the subscriber server 103 can transmit card approval response data including the ambitious bank information of the credit card sales receipt to the credit card merchant terminal 102.

In addition, the bank server 103 may transmit the card approval response received from the credit card company server 104 to the accounts receivable transfer server 105, including the payment due date and the information of the ambitious banker.

The credit card company server 104 is a server installed in a card issuing company that issues a credit card. The credit card company server 104 receives the card approval request message including the bond flag and the ambitious bank information of the credit card account receivable from the bank server 103 and stores the ambitious bank information of the received credit card account receivable . Thereafter, the credit card company server 104 may include the payment due date of the credit card member 101 in the card approval response telegram and transmit it to the broadcast server 103.

On the other hand, the merchandise receipt transmission server 105 may be a server installed in a relay company that relays transfer of credit card receivables. Specifically, according to the embodiment of the present invention, the credit card trade receivable can be acquired by a third party (bank company) other than the conventional credit card issuer, It is technically possible to increase the bargaining power of the credit card merchant in determining the merchant commission fee, thereby lowering the commission fee of the credit card merchant merchant.

The merchandise receipt transmission server 105 receives the card approval response message including the amortized bank information of the payment due date and the credit card sales receipt from the subscriber server 103 and transmits the credit card receipt receipt May be sent to request a positive number of positive numbers. When receiving the amendment approval of the credit card accounts receivable from the bank company server 106, the accounts receivable transmission server 105 transmits the transfer details of the credit card accounts receivable, the payment date, and the discount rate of the credit card accounts receivable To the server 106.

In the above-described embodiment, the credit card receivables transfer server 105 and the bank server 103 are separately installed. However, this is merely an example, and the accounts receivable transfer server 105, It should be noted that the subscriber server 103 or the subscriber server 103 may perform the role of the receivable transfer server 105 together.

Meanwhile, the bank company server 106 is a server installed in a bank company that pays credit card receivables, including a commercial bank and a securities company. The bank company server 106 may be two or more. The bank company server 106 receives a positive amendment request message from the receivables receipt server 105 and determines whether the credit card receivable is to be repaid. (105). As described above, according to the embodiment of the present invention, the credit card merchandise can be pumped by the bank company 106, rather than the existing credit card company 104, so that the credit card merchant can increase the negotiating power in determining the merchant fee There is a technical effect of lowering merchant fees.

In addition, the bank company server 106 receives the transfer details of the credit card accounts receivable from the accounts receivable transfer server 105, the payment due date, and the calculated discount rate of the credit card accounts receivable, It is possible to deposit the sales receipt proceeds into the account of the credit card merchant 102 until the next day.

The trade receivables price can be determined as shown in Equation (1) below.

[Equation 1]

A = B - B x (C - D) / 365 x E

A is a trade receivable amount, B is a credit card receivable amount, C is a settlement date, D is a sales slip issuance date, and E is a discount rate.

As described above, according to an embodiment of the present invention, a credit card receivable from a credit card member is ordered to be pumped to a bank having a sufficient financial power, while the credit card receivable is paid for a credit card receivable By depositing at the merchant by the date of occurrence or at the latest at the latest, there is an advantage that the franchisor, who is an economically weaker, can be protected and cash liquidity can be secured immediately.

The payable trade receivable amount can be received from the credit card company 104 on the payment due date. As described above, according to another embodiment of the present invention, in the case of a bank, it is possible to create a new revenue source by making it possible to pay a predetermined fee for the amount of the credit card receivables in accordance with the payment date.

2 is a flowchart illustrating a method for securing a cash flow through transfer of a credit card receivable in accordance with an embodiment of the present invention.

Hereinafter, a method for securing the cash flow through transfer of credit card receivables according to an embodiment of the present invention will be described in detail.

Referring to FIGS. 1 and 2, when a product or service is ordered by the credit card member 101 (S201), the card transaction data including the card transaction details according to the goods or service order is displayed on the credit card account The card approval request data including the bond flag requesting the transfer can be transmitted to the subscriber server 103 (S202). Here, the card approval request data may include information for valid payment of the credit card such as other approval number, information of the credit card merchant, amount of the goods or service ordered, card number of the credit card, expiration date,

When the card approval request data is received from the credit card merchant terminal 102, the bank server 103 extracts from the credit approval request data received from the credit card merchant terminal 102 the amortized bank information of the credit flag and the credit card trade receipt To the credit card company server 104 (S203).

Thereafter, the credit card company server 104 can store the information of the ambitious banker of the received credit card receivable. Thereafter, the credit card company server 104 may include the payment due date of the credit card member 101 in the card approval response telegram and transmit it to the broadcast server 103 (S204).

On the other hand, the subscriber server 103 having received the card approval response message can transmit the card approval response data including the ambitious bank information of the credit card receipt to the credit card merchant terminal 102 (S205).

Thereafter, the credit card merchant terminal 102 may issue a slip according to the transaction details to the credit card member 101 based on the received card approval response data (S206). In particular, according to an embodiment of the present invention, the card authorization response data may include amnestic bank information of the credit card account receivable, so that the credit card merchant terminal 102 transmits the credit card account receivable Including the information of the ambitious banker.

Then, the bank server 103 may transmit the payment acceptance date and the amniocentric bank information to the sales receipt transmission server 105 in the card approval response received from the credit card company server 104 (S207).

Next, the accounts receivable delivery server 105 may send a positive request message to the bank company server 106 to request a positive number of the credit card receivable (S208).

The bank company server 106, which has received the positive amendment request message including the due date from the accounts receivable delivery server 105, decides whether the credit card receivable is to be repurchased and then issues a positive amendment to approve the positive number of the credit card receivable The specialist can be transmitted to the accounts receivable delivery server 105 (S209).

When receiving the amendment approval of the credit card receivable from the bank company server 106, the receivables transmission server 105 transmits the transfer details of the credit card receivable, the payment due date, and the discount rate of the credit card receivable to the bank server 106 (S210).

Thereafter, the bank company server 106 may deposit the sales receipt proceeds into the account of the credit card merchant account 102 until the date of the receipt of the credit card receivable or at the latest (S211). The trade receivable proceeds can be determined according to Equation (1).

Thereafter, the bank company server 106 requests the credit card company server 104 to pay the credit card (credit card receivable) (S212). The credit card company server 104, which receives the credit card request, (Payment of the credit card receivables) to the customer server 106 (S213).

Thereafter, the credit card company server 104 requests the credit card member 101 for the credit card amount (the amount of the credit card) (S214). On the credit card payment date, the credit card member 101 transfers the account of the credit card company server 104 (S215). ≪ / RTI >

As described above, according to an embodiment of the present invention, a credit card receivable from a credit card member in accordance with an order for a commodity or a service is pumped to a bank rich in funds, It is possible to protect the merchant, which is an economic weak, and to secure cash liquidity immediately by depositing the credit at the merchant until the date of occurrence of the bond or at the latest at the latest. Also, by increasing the negotiating power of credit card merchant in negotiating the merchant fee, Can be lowered.

Also, from the viewpoint of the bank, there is a technical effect that a new commission can be created by paying a predetermined commission on the amount of the credit card receivable in accordance with the payment date.

Best Mode for Carrying Out the Invention Best modes have been disclosed in the drawings and specification. Although specific terms have been employed herein, they are used for purposes of illustration only and are not intended to limit the scope of the invention as defined in the claims or the claims. Therefore, it will be understood by those skilled in the art that various changes and modifications may be made without departing from the scope of the present invention. Accordingly, the true scope of the present invention should be determined by the technical idea of the appended claims.

101 ... Credit Card Member
102 ... credit card merchant terminal
103 ... BANSA SERVER
104 ... credit card company server
105 ... accounts receivable transfer server
106 ... banker server

Claims (10)

A credit card merchant terminal for transmitting a card approval request for requesting a positive number of credit card receivables from a credit card member according to an order for goods or services;
A credit card company server for transmitting a card acceptance response in response to the card acceptance request, including a payment due date in the card acceptance request; And
And depositing the account receivable amount calculated on the basis of the predetermined discount rate and the payment settlement date in the credit card accounts receivable in the account of the credit card merchant store according to the positive number request until the date of the receipt of the credit card account receivable or until the next day Cash flow securing system through transfer of credit card accounts receivable including bank server.
The method according to claim 1,
The amount of the credit card trade receivable,
A system for securing liquidity of cash through the transfer of credit card receivables, which is the amount of the slip, minus the commission fee between the credit card company and the merchant.
3. The method of claim 2,
The trade receivables'
The following formula:
A = B - B * (C - D) / 365 * E
A is a cash receivable, A is a receivable, B is a credit card receivable, C is a payment date, D is a cash issue date, and E is a discount rate.
The method according to claim 1,
The credit card company having the credit card company server,
The amount of the credit card receivable is deposited into the bank company having the bank company server on the payment date,
The cash settlement date is a cash liquidity securing system through transfer of credit card accounts receivable for a period of 2 to 15 days from the issuance date of the slip.
The method according to claim 1,
The credit card company server,
A system for securing a cash flow through transfer of a credit card trade receivable that requests the credit card member for a credit card after depositing an amount of the credit card receivable in a bank company having the bank company server on the payment date.
Transmitting, at a credit card merchant terminal, a card approval request for requesting a positive number of credit card receivables from a credit card member according to a product or service order;
Transmitting, at the credit card company server, a card acceptance response in response to the card acceptance request, including a payment due date in the card acceptance request; And
The bank account server deposits the account receivable amount calculated based on the discount rate set in the credit card accounts receivable and the payment settlement date into the account of the credit card merchant account in accordance with the positive number request, A method of securing cash liquidity through the transfer of credit card receivables, including depositing at least the next business day.
The method according to claim 6,
The amount of the credit card trade receivable,
A method of securing cash liquidity by transferring credit card accounts receivable, which is the amount deducted from the merchant fee between the credit card company and the merchant from the amount of the slip.
8. The method of claim 7,
The trade receivables'
The following formula:
A = B - B * (C - D) / 365 * E
A is the amount of trade receivables, B is the amount of credit card receivables, C is the date of settlement, D is the issuance date of the slip, and E is the discount rate.
The method according to claim 6,
The cash flow securing method includes:
Further comprising the step of depositing an amount of the credit card receivable from the credit card company having the credit card company server to the bank company having the bank company server on the payment date,
The method of securing cash flow by transferring a credit card trade receivable for a period between two and fifteen days from the issuance date of the document.
The method according to claim 6,
The cash flow securing method includes:
Further comprising the step of requesting the credit card company member to pay the card at the credit card company server,
The step of requesting the payment of the credit card may include receiving a credit card receipt amount from the credit card company having the credit card company server on the payment date, How to secure cash liquidity through transfer of trade receivables.

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