KR20170142830A - Method and server for remitting card payment seperately - Google Patents

Method and server for remitting card payment seperately Download PDF

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KR20170142830A
KR20170142830A KR1020160137479A KR20160137479A KR20170142830A KR 20170142830 A KR20170142830 A KR 20170142830A KR 1020160137479 A KR1020160137479 A KR 1020160137479A KR 20160137479 A KR20160137479 A KR 20160137479A KR 20170142830 A KR20170142830 A KR 20170142830A
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information
merchant
company
payment
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김태호
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비씨카드(주)
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    • 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
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    • G06Q10/067—Enterprise or organisation modelling
    • 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
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    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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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Abstract

According to an embodiment of the present invention, there is provided a method for a card company server to settle a card settlement price to each of a PG company and a lower affiliate shop associated with the PG company, the method comprising the steps of: (a) Receiving the card settlement request and accepting the approval request; (b) supporting the calculation or calculation of the fee to be paid to the PG company and the amount to be paid to the sub-merchant, among the total approved payment amounts, when the card settlement request is approved; And (c) after the predetermined period of time, processing the money to be deposited or deposited into the predetermined account corresponding to the PG company and the amount to be paid to the lower merchant point to the specific account corresponding to the lower merchant point, respectively The method comprising the steps of:

Description

METHOD AND SERVER FOR REMITTING CARD PAYMENT SEPERATELY,

The present invention relates to a method and a server for providing a credit card settlement deposit and deposit service, and more particularly, to a credit card company that determines whether a credit card payment request for a low- The method comprising the steps of: dividing a payout into the PG company and the sub-affiliate merchant, respectively, and depositing the pay-off money, thereby managing each sub-affiliate shop at the level of the affiliated merchant's credit card company.

In the conventional PG (Payment Gateway) company, on behalf of small-sized merchants that are difficult to cooperate with the settlement system in the online transaction, the card payment of the small-sized merchants is approved by the credit card company, and a certain amount of money is directly settled to the small merchants It was common.

However, if such a PG company provides similar services to the offline small merchants, the merchant fee system may be distorted and the small merchant may be tax evaded. In particular, when the user complains about the card payment, It may be difficult for credit card companies to respond to complaints.

Therefore, if PG provides services to its offline partners, it is necessary to consider how the card company can manage each off-line small-sized merchant at the level of the affiliated merchant of the credit card company.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems of the related art, and it is an object of the present invention to provide a method and apparatus for receiving a card payment request from a PG company for a sub- It is intended to improve the settlement security in off-line PG transactions by discriminating and approving the card settlement status.

Further, by allowing the credit card company to separately manage the amount of the approved credit card to the account of the PG company and the lower credit card merchant, the credit card company can manage each of the lower credit card merchants at the level of the affiliated credit card company, And to prevent the risk of possible franchisees in PG.

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 an embodiment of the present invention, there is provided a method for a card company server to settle a card settlement price to each of a PG company and a lower affiliate shop associated with the PG company, the method comprising the steps of: (a) Receiving and accepting a card settlement request including information of a lower merchant point; (b) supporting the calculation or calculation of the fee to be paid to the PG company and the amount to be paid to the sub-merchant, among the total approved payment amounts, when the card settlement request is approved; And (c) after the predetermined period of time, processing the money to be deposited or deposited into the predetermined account corresponding to the PG company and the amount to be paid to the lower merchant point to the specific account corresponding to the lower merchant point, respectively The method comprising the steps of:

The step (a) may include determining whether the card payment request can be approved by referring to the information of the lower merchant point.

The acceptance of the card settlement request may include accepting at least one of the location information of the payment terminal to which the card settlement request is transmitted or the address information of the user who has the card used in the card settlement when the lower merchant is an affiliate merchant of the card company And the address information of the affiliated merchant store stored in the card company server, and when the lower merchant is not an affiliate merchant of the card company, determining, by the bank server corresponding to one or more of the representative information and the deposit account information of the lower merchant, It can be determined whether or not the information of the sub-affiliate shop is valid.

The location information of the payment terminal to which the card settlement request is transmitted can be obtained through the IP information of the payment terminal.

Whether or not the card payment request can be approved when the lower merchant is an affiliated merchant of the credit card company is determined by comparing the position information of the payment terminal to which the credit card payment request is transmitted and the address information of the affiliated merchant store stored in the credit card company server And when it is confirmed that the card settlement is within a predetermined distance from each other, it is determined that the card settlement can be approved as a normal transaction, or the address information of the user who has made the card settlement at the lower- And compares the address information of the affiliated merchant and determines that the card settlement can be approved as a normal transaction when it is confirmed that the address information is within a certain distance from each other.

The method of claim 1, wherein the step (a) further comprises the step of, when a result of the determination as to whether or not the card settlement request can be approved is that the card settlement request is unapproved and the error occurrence information for the sub- To the server.

The information of the lower affiliated merchant may include at least one of ID information of the lower affiliated merchant, address information, provider information, representative information, and deposit account information.

The amount to be paid to the lower merchant may be the amount of the total payment amount minus a fee to be paid to the PG company.

According to another aspect of the present invention, there is provided a method for providing a card settlement service to a lower merchant associated with a PG company server, the method comprising the steps of: (a) Transferring the received card settlement request to a card company server; And (b) a fee to be paid to the PG company and an amount to be paid to the sub-merchant are calculated among the total payment amounts approved, the credit card payment request is approved, and the predetermined fee is paid Receiving the payment to a predetermined account corresponding to the PG company, and supporting an amount of money to be paid to the lower merchant point to be deposited into a specific account corresponding to the lower merchant point, respectively.

The card settlement request may include at least one of ID information of the lower merchant, address information, business information, representative information, and deposit account information.

The step (b) may include the step of, when the card settlement request is not approved, transmitting a card settlement rejection message for notifying the abnormality occurrence information to the lower affiliation point received from the card issuer server to the lower affiliation point .

The amount to be paid to the lower merchant may be the amount of the total payment amount minus a fee to be paid to the PG company.

According to another aspect of the present invention, there is provided a card company server for settlement of a card settlement amount to each of a PG company and a lower affiliate shop associated with the PG company, A payment request processing unit for receiving and processing the card payment request including the payment request; A settlement settlement unit for supporting the calculation or calculation of a fee to be paid to the PG company and an amount to be paid to the sub-merchant, among the approved total settlement amounts, when the card settlement request is approved; And a separate deposit processing section for depositing or depositing the commission to a predetermined account corresponding to the PG company and the amount to be paid to the lower affiliated merchant to a specific account corresponding to the lower affiliated merchant after a predetermined time A card issuer server is provided.

The payment request processing unit can determine whether the card payment request can be approved by referring to the information of the lower merchant point.

The acceptance of the card settlement request may include accepting at least one of the location information of the payment terminal to which the card settlement request is transmitted or the address information of the user who has the card used in the card settlement when the lower merchant is an affiliate merchant of the card company And the address information of the affiliated merchant store stored in the card company server, and when the lower merchant is not an affiliate merchant of the card company, determining, by the bank server corresponding to one or more of the representative information and the deposit account information of the lower merchant, It can be determined whether or not the information of the sub-affiliate shop is valid.

The location information of the payment terminal to which the card settlement request is transmitted can be obtained through the IP information of the payment terminal.

Whether or not the card payment request can be approved when the lower merchant is an affiliated merchant of the credit card company is determined by comparing the position information of the payment terminal to which the credit card payment request is transmitted and the address information of the affiliated merchant store stored in the credit card company server And when it is confirmed that the card settlement is within a predetermined distance from each other, it is determined that the card settlement can be approved as a normal transaction, or the address information of the user who has made the card settlement at the lower- And compares the address information of the affiliated merchant and determines that the card settlement can be approved as a normal transaction when it is confirmed that the address information is within a certain distance from each other.

Wherein the payment request processing unit transmits a card settlement rejection telegram for processing the unauthorized person to the card settlement request when it is determined that the card settlement request can be approved or not, To the server.

The information of the lower affiliated merchant may include at least one of ID information of the lower affiliated merchant, address information, provider information, representative information, and deposit account information.

The amount to be paid to the lower merchant may be the amount of the total payment amount minus a fee to be paid to the PG company.

According to an embodiment of the present invention, when a card company receives a card payment request from a PG company for a sub-merchant, which is an off-line affiliate of the PG company, receives the information of the sub merchant together and determines whether the card payment is normal As a result of discrimination and approval processing, settlement security can be improved in off-line PG transactions.

In addition, by allowing the card company to separate the approved money into the accounts of the PG company and the lower merchant and deposit the money, the card company can manage each of the lower merchants at the level of the affiliated merchant of the card company, And can prevent the risk of franchisees that can occur in PG Corporation.

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 view schematically showing a configuration of a system for providing a money deposit and deposit service according to an embodiment of the present invention.
2 is a diagram illustrating a configuration of a card issuer server according to an embodiment of the present invention.
FIG. 3 is a view showing a process of depositing and depositing money according to an embodiment of the present invention.

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will now 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 this specification, the term " card " is understood to mean all cards that a card company such as a credit card, a check card, a debit card, etc. can issue to a user.

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

1 is a view schematically showing a configuration of a system for providing a money deposit and deposit service according to an embodiment of the present invention.

Referring to FIG. 1, a system for providing a money deposit and deposit service according to an embodiment of the present invention may include a card issuer server 100, a PG company server 200, and a payment terminal 300.

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 card issuer server 100 may be a server operated by a credit card company that performs a process of finally approving a card payment requested by a payment gateway company, which is a merchant's company, and performing a process of settlement of the payment amount.

The card issuer server 100 can receive a signal from the PG company server 200 requesting approval of card settlement occurring at a lower merchant store which is an affiliate of PG Corporation.

The card settlement request signal includes lower merchant information such as ID information, address information, company information, representative information, deposit account information, settlement request transmission location information, existing settlement history information, and settlement item information of the corresponding cardholder, Billing amount information, usage card information, and the like.

In this case, according to one embodiment, the payment request transmission position information may include IP information of the payment terminal 300 to which the card settlement request signal is transmitted.

Accordingly, the card issuer server 100 can determine whether or not the card settlement request can be approved based on whether the lower merchant is an existing merchant of the card company.

According to one embodiment, when the lower merchant server 100 corresponds to an existing merchant who has already entered into an affiliation contract with a credit card company, the credit card server 100 stores the location information of the payment terminal 300 and the database By comparing the address information of the existing merchant, it is possible to determine whether or not the card payment request can be approved.

Also, according to one embodiment, the card issuer server 100 compares the address information of the customer using the card corresponding to the previous day card payment request and the address information of the existing merchant store stored in the database, .

In addition, according to an embodiment of the present invention, the sub-merchant may be an affiliate merchant of a PG company that has not entered into an affiliation contract with a credit card company.

At this time, based on the representative information and the deposit account information of the lower merchant provided from the PG company server 200, the card company server 100 transmits the representative information and the bank account information (not shown) of the bank corresponding to the deposit account information, It is possible to determine whether or not the card payment request can be approved by determining whether or not the lower merchant point information according to the card payment request is normal.

Accordingly, when it is determined that the card settlement request is valid, the card issuer server 100 approves the card settlement request, and transmits the card settlement approval statement including the ID information of the lower-level merchant to the PG company server 200 .

When it is determined that the card settlement request is invalid, the card company server 100 rejects the card settlement request and transmits the card settlement rejection message including the ID information of the lower-level merchant to the PG server 200. [ , Thereby notifying the abnormal occurrence information of the lower-level merchant.

Based on the approved card settlement history information (hereinafter referred to as approval history information), the card company server 100 can calculate a settlement amount that the PG company and the sub-merchant corresponding to the approval details information can receive from the card company, respectively have.

At this time, the card issuer server 100 applies a certain predetermined ratio to the total payment amount according to the approval details information, so that the card company server 100 can calculate the fee amount to be paid to the PG company by the card company, that is, The amount can be calculated.

Further, the card company server 100 calculates the amount to be paid to the lower merchant by the card company, that is, the payment amount that the lower merchant can receive from the credit card company by reducing the payment amount received by the PG company from the total payment amount can do.

Thereafter, the card company server 100 according to the embodiment of the present invention allows a bank server (not shown) to transfer the payment amount received by the PG company to the deposit account of the PG company, the payment amount received from the lower merchant store to the deposit account of the corresponding lower merchant It can be processed to send money.

Accordingly, the card company server 100 can distribute the card settlement amount directly to each of the PG company and the sub-affiliate shop, thereby managing the sub-affiliate shops at the level of the merchant of the credit card company. In addition, It has the advantage of preventing merchant risk such as proxy billing, sales ticket distribution, and redemption transactions.

The PG company server 200 may be a server operated by a PG company which has entered into an affiliation agreement with a credit card company and relays a card settlement process between a subsidiary affiliate shop and a card company.

The PG company server 200 may include the information of the lower affiliated merchant in the card settlement request signal received from the payment terminal 300 and then transmit the information to the card issuer server 100, It is possible to grasp the information of the sub-merchant and judge whether or not the card payment request can be approved based on the information.

In addition, the PG company server 200 according to the embodiment may provide the credit card company server 100 with the commission rate information that the PG company applies to each lower affiliated merchant in order to receive the commission from the lower affiliated merchant.

Accordingly, the PG company server 200 can settle the card settlement amount through the card issuer server 100 without having to directly settle the card settlement price with the lower affiliate shop.

The payment terminal 300 may be a terminal for transmitting a card settlement request signal for goods and services sold by the lower merchant to the PG company server 200. [

The payment terminal 300 is connected to the card issuer server 100 and the PG company server 200 through a network such as a mobile phone, a smart phone, a PDA (Personal Digital Assistant), a PMP (Portable Multimedia Player), a tablet PC, And may include any type of handheld based wireless communication device. In addition, it may include a desktop PC, a tablet PC, a laptop PC, an IPTV including a set-top box, a card including a card reader, And a communication device such as a payment terminal, which can be connected to an external server such as the card company server 100 and the PG company server 200 through a network.

In addition, the payment terminal 300 may be provided with a card settlement application capable of performing card settlement for goods and services sold by a lower merchant. The card payment application may be a program module that can communicate with an external server and an external device, and may be included in the payment terminal 300 or other devices capable of communicating with the payment terminal 300 in the form of an operating system, an application program module, And can be physically stored on various known storage devices. This program module, on the other hand, encompasses but is not limited to routines, subroutines, programs, objects, components, data structures, etc. that perform particular tasks or implement particular abstract data types in accordance with the invention.

2 is a diagram illustrating a configuration of a card issuer server 100 according to an embodiment of the present invention.

2, the card issuer server 100 includes a database 110, a payment request processing unit 120, a payment settlement unit 130, a separate deposit processing unit 140, a control unit 150, and a communication unit 160 can do.

First, the database 110 may store at least one of PG company information, existing merchant information, credit card company member information, lower merchant information, and the like.

Specifically, the database 110 includes at least one or more pieces of ID information, address information, provider information, representative information, deposit account information, and commission rate information of the PG company that has entered into a partnership agreement in advance to receive a card settlement service from the card company PG company information can be stored.

In addition, the database 110 may store existing merchant information including ID information, address information, business entity information, representative information, deposit account information, etc. of an existing merchant that has entered into an affiliation agreement with a card company in advance.

In addition, the database 110 may be registered as a member of a credit card company, and may store member information including at least one or more names, a contact information, an address information, an issuance card information, a card settlement history information, etc. of a card issuer have.

According to an embodiment of the present invention, the database 110 stores ID information, address information, business entity information, representative information, and business information of a lower affiliate shop of the corresponding PG company received from the PG company server 200 through a later payment request processing section 120, Payment account information, existing payment history information, and the like.

The card company server 100 according to the embodiment can update the PG company information, the existing merchant information, the card company member information, the lower merchant information, and the like in real time, The existing merchant information, the card company member information, and the lower merchant information may be updated in real time.

The payment request processing unit 120 may process the card settlement request signal of the lower merchant received from the PG company server 200. [

Specifically, the payment request processing unit 120 can receive a card settlement request signal for goods and services sold by a lower merchant, which is an affiliate of the PG company, from the PG company server 200. [

The card settlement request signal includes lower merchant information such as ID information, address information, company information, representative information, deposit account information, settlement request transmission location information, existing settlement history information, and settlement item information of the corresponding cardholder, Billing amount information, usage card information, and the like.

In this case, according to one embodiment, the payment request transmission position information may include IP information of the payment terminal 300 to which the card settlement request signal is transmitted.

Thereafter, the payment request processing unit 120 may determine whether the received card payment request can be approved based on whether the lower merchant is an existing merchant who has already entered into an affiliation contract with the credit card company.

According to one embodiment, when the lower-level merchant corresponds to an existing merchant of the credit card company, the payment request processing unit 120 transmits the location information of the payment terminal 300 to which the card settlement request signal is transmitted, The address information of the merchant is compared with each other and it is determined that the address information is within a predetermined distance from each other, it is determined that there is no abnormality in the card settlement request.

According to an embodiment of the present invention, the location information of the payment terminal 300 to which the card settlement request signal is transmitted may be obtained through the IP information of the payment terminal 300.

Also, according to one embodiment, the card issuer server 100 compares the address information of the customer using the card corresponding to the previous day card payment request and the address information of the existing merchant that can be confirmed through the database 110, Or not.

In this case, according to one embodiment, the address of the card-using customer may be an address of a user member that can be confirmed through the database 110. Accordingly, the settlement request processing unit 120 may determine that the address of the user- When it is confirmed within a predetermined distance from the address, it is determined that there is no abnormality in the card settlement request, so that it can be determined that the card settlement request can be approved.

According to another embodiment, the address of the card-using customer is analyzed based on the card-payment history information of the user member, which can be confirmed through the database 110, It can be a result.

For example, when the payment request processing unit 120 analyzes the history information settled with the same card as the card used for the card settlement within a predetermined time from the time when the specific card settlement was performed, A, so that it is possible to judge the previous day address of the user member having the card as the area A.

Accordingly, the payment request processing unit 120 determines that there is no abnormality in the card settlement request when the address of the previous day of the user member is within a predetermined distance from the address of the existing merchant, .

In addition, according to an embodiment of the present invention, the sub-merchant may be an affiliate merchant of a PG company that has not entered into an affiliation contract with a credit card company.

At this time, based on the representative information and the deposit account information of the lower merchant provided from the PG company server 200, the payment request processing unit 120 transmits the representative information and the bank account information of the bank corresponding to the deposit account information The information of the corresponding lower-level merchant registered in the bank server (not shown) can be confirmed.

Accordingly, the settlement request processing unit 120 compares the information of the lower-level merchant identified through the bank server (not shown) and the corresponding lower-level merchant information according to the card payment request, If it is determined that there is no abnormality in the request, the card payment request can be determined to be acceptable.

Thereafter, the payment request processing unit 120 can approve the card settlement request determined to be acceptable as described above, and transmits the card settlement approval text including the ID information of the lower merchant to the PG company server 200 And store the approved card payment history information in the database 110. [

In addition, according to one embodiment, when it is determined that the card settlement request is unapproachable, the settlement request processing unit 120 can process the unauthorized person's request for the card settlement, and the unauthorized reason information and the ID information of the corresponding lower- And transmits the unauthorized card settlement history information to the PG server 200. The unauthorized card settlement history information may be stored in the database 110. [

The settlement amount settlement unit 130 can calculate the settlement amount that the PG company and the sub-affiliate shop can receive from the card company based on the card settlement history information approved and processed by the settlement request processing unit 120. [

Specifically, the settlement amount settlement unit 130 can confirm the information of the PG company corresponding to the approved card settlement history information (hereinafter, approved settlement history information) through the database 110. [

At this time, the PG company server 200 may have previously provided the card company server 100 with the commission rate information to be applied to each of the lower merchants in order for the PG company to receive the commission from the lower merchant.

Accordingly, the settlement amount settlement unit 130 can determine the percentage of the settlement amount that the PG company can receive from the total settlement amount corresponding to the approved settlement history information with reference to the commission rate information.

Then, the payment settlement unit 130 can calculate the payment amount to be paid by the card company to the PG company by applying the calculated payment amount ratio of the PG company to the total payment amount.

For example, the total payment amount based on the approved payment details information may be one million won, and the percentage of the payment amount received by the PG company settled by the payment settlement unit 130 may be 5%. Accordingly, the payment settlement unit 130 can calculate the settlement amount to be received from the card company by the PG company at 50,000 won by applying the ratio of 5% to the 1,000,000 won.

According to an embodiment of the present invention, the settlement amount settlement unit 130 may calculate a settlement amount to be paid by the card company to the lower merchant of the total settlement amount, in accordance with the payment amount received from the calculated PG company .

That is, the settlement amount settlement unit 130 can calculate the payment amount received by the lower merchant by reducing the payment amount received by the PG company from the total payment amount.

For example, the total payment amount according to the approved payment history information may be one million won, and the payment amount to be received by PG may be estimated to be 50,000 won. Accordingly, the settlement amount settlement unit 130 can calculate the settlement amount to be received from the credit card company by the lower merchant by reducing the 50,000 won from the 1,000,000 won to 950,000 won.

The separate deposit processing unit 140 can process the received payment amount of the PG company calculated by the payment settlement unit 130 and the payment amount received by the lower merchant point to be paid to each of the PG company and the lower merchant.

Specifically, the separate deposit processing unit 140 may transmit to the bank server (not shown) a signal requesting payment of the amount corresponding to the payment amount received by the PG company from the total payment amount according to the approved payment history information to the deposit account of the PG company .

Accordingly, the bank server (not shown) can transfer the received payment amount of the PG company to the payment account of the PG company.

Further, the separate deposit processing unit 140 may transmit to the bank server (not shown) a signal requesting payment of the amount corresponding to the payment amount received from the lower merchant among the total payment amount according to the approved payment history information to the deposit account of the lower merchant have.

Accordingly, the bank server (not shown) can transfer the receipt payment amount of the lower merchant to the deposit account of the lower merchant.

In other words, the separate deposit processing unit 140 processes the credit card payment made by the card company directly to the PG company and the lower merchant so that the credit card payment can be made and the credit card company manages each lower merchant credit card at the credit card company's level, It is possible to prevent the risk of the merchant, such as cash infusion, other agency request, sales ticket distribution, and refund transaction, which may occur in PG Corporation.

The control unit 150 according to an embodiment controls the flow of data between the database 110, the payment request processing unit 120, the payment settlement unit 130, the separate deposit processing unit 140, and the communication unit 160 Can be performed. That is, the control unit 150 according to the present invention performs functions unique to the database 110, the settlement request processing unit 120, the settlement settlement unit 130, the separate deposit processing unit 140, and the communication unit 160 Can be controlled.

The communication unit 160 according to one embodiment enables communication between the card issuer server 100, the external server, and the external device. Specifically, the card issuer server 100 enables communication with the PG company server 200 and the payment terminal 300.

FIG. 3 is a view showing a process of depositing and depositing money according to an embodiment of the present invention.

Referring to FIG. 3, the payment terminal 300 is a card payment request for goods and services sold by a lower merchant. The payment terminal 300 uses the card of the user who is a member of the card company to transmit payment item information of goods and services to be paid, (Step S301-1), a payment request signal including one or more payment request history information such as payment information, information on the user's card, and payment request history information of the user, to the PG company server 200.

At this time, according to an exemplary embodiment, the payment terminal 300 may further include information of a corresponding lower-level merchant in the card settlement request when the card settlement request signal is transmitted.

Accordingly, the PG company server 200 refers to the card settlement request signal received in the step S301-1, and when the card settlement request does not include the information of the sub-merchant, From the database of the PG company server 200, information on the sub-merchant stores including ID information, address information, business entity information, representative information, deposit account information, payment request transmission location information, and existing payment history information.

Accordingly, the PG company server 200 transmits to the card issuer server 300 a card payment request message including the payment request history information received in step S301-1 and the sub-merchant information received from the payment terminal 300 or extracted by itself, (S301-2).

According to one embodiment, the card issuer server 100 may determine whether the card settlement request received from the PG company server 200 is acceptable or not in step S301-2 (S302).

Specifically, the card issuer server 100 can determine whether or not the received card payment request can be approved based on whether the lower merchant is an existing merchant of the card company.

According to one embodiment, when the lower merchant server 100 corresponds to an existing merchant that has already entered into an affiliation contract with a credit card company, the card company server 100 transmits the location information of the payment terminal 300 and the credit card company server 100, it is determined that there is no abnormality in the card settlement request. When it is determined that the card settlement request is within a predetermined distance from each other, it is determined that the card settlement request can be approved have.

Also, according to one embodiment, the card issuer server 100 compares the address information of the customer using the card corresponding to the previous day card settlement request and the address information of the existing affiliate shop that can be confirmed through the database of the card issuer server 100, It may be determined whether or not the card settlement request can be approved.

In addition, according to an embodiment of the present invention, the sub-merchant may be an affiliate merchant of a PG company that has not entered into an affiliation contract with a credit card company.

At this time, based on the representative information and the deposit account information of the lower merchant provided from the PG company server 200, the card company server 100 transmits the representative information and the bank account information (not shown) of the bank corresponding to the deposit account information, The information of the corresponding lower-level merchant registered in the bank server (not shown) can be confirmed.

Accordingly, the card issuer server 100 compares the information of the corresponding lower-level merchant and the lower-level merchant information according to the card payment request, and determines that there is no abnormality in the card settlement request , It can be determined that the card settlement request can be approved.

Thereafter, the card issuer server 100 can approve the card settlement request determined to be acceptable in step S302 (S303), and transmits a message to the PG server 200 (S304-1).

At this time, if it is determined in step S302 that the card settlement request received through step S301-2 is unapproachable, the card issuer server 100 processes the card settlement unauthorized, and accordingly, It is possible to transmit the card settlement rejection notification to the PG company server 200 for notifying the information.

In this case, the PG company server 200 may transmit a card settlement rejection message to the settlement terminal 300 of the lower merchant, which notifies the abnormality occurrence information for the lower merchant received from the card issuer server 100.

The PG company server 200 according to the embodiment instructs the payment terminal 300 to send a signal notifying that the card settlement is approved according to the card payment approval text received from the card issuer server 100 through the step S304-1 (S304-2).

Accordingly, the payment terminal 300 may display the process result information of the card payment on the screen of the payment terminal 300. [

According to an embodiment of the present invention, the card issuer server 100 calculates the payment amount that the corresponding PG company and the sub-affiliate shop can receive from the credit card company based on the card settlement history information approved in step S303 , The total payment amount based on the card payment details information can be settled (S305).

Specifically, the card company server 100 refers to the commission rate information for the lower-level merchant of the PG company corresponding to the approved card settlement history information (hereinafter referred to as approved settlement history information) The percentage of the payment amount receivable by the PG company can be determined.

Thereafter, the card issuer server 100 can calculate the payment amount to be paid to the PG company by applying the percentage of the receivable payment amount of the PG company to the total payment amount.

Also, according to an embodiment of the present invention, the card company server 100 may calculate the payment amount received from the lower merchant by reducing the payment amount received by the PG company from the total payment amount.

At this time, according to one embodiment, the card company server 100 provides the bank settlement history information and the commission rate information of the PG company to the bank server (not shown) in step S305, And may calculate the fees to be paid to PG and the amounts to be paid to the subcontractors, respectively.

According to one embodiment, the card issuer server 100 causes the bank server (not shown) to calculate the amount of the card settlement card, which is calculated through the step S305, The payment amount received by the PG company can be processed to be deposited into the payment account of the PG company (S306).

In addition, the card issuer server 100 according to an exemplary embodiment may process a bank server (not shown) to deposit the payment amount received from the lower merchant shop calculated in the step S305 into the deposit account of the lower merchant shop S307).

The card issuer server 100 distributes the card settlement amount that has been approved through steps S306 and S307 to each of the PG company and the sub-affiliate shop so as to deposit the money, thereby allowing the card company to manage each sub-affiliate shop at the merchant's level And can prevent the risk of the affiliate, such as cash advance, agency bill, sales ticket distribution, and redemption transactions, which may occur in PG Corporation.

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: Card issuer server
110: Database
120:
130: Payment settlement part
140: Separate deposit processing section
150:
160:
200: PG company server
300: Payment terminal

Claims (20)

A method for a card company server to settle a card settlement price to each of a PG company and a lower affiliate shop associated with the PG company,
(a) receiving a card settlement request including information of the lower merchant from the PG company server and accepting the approval request;
(b) supporting the calculation or calculation of the fee to be paid to the PG company and the amount to be paid to the sub-merchant, among the total approved payment amounts, when the card settlement request is approved; And
(c) after the predetermined time, processing the money to be deposited or deposited in the predetermined account corresponding to the PG company and in the account to be paid to the lower merchant point to the specific account corresponding to the lower merchant point, respectively A method of providing a money deposit service.
The method according to claim 1,
The step (a)
And determining whether the credit card payment request can be approved by referring to the information of the lower merchant point.
3. The method of claim 2,
Whether or not the card payment request can be approved,
When the lower merchant is an affiliate merchant of the credit card company, transmits at least one of the location information of the payment terminal to which the card settlement request is transmitted or the address information of the user who holds the card used in the card settlement to the affiliate merchant store Judged by comparing with the address information,
Wherein if the lower merchant is not an affiliated merchant of the credit card company, validity of the lower merchant store information is confirmed through a bank server corresponding to at least one of representative information and deposit account information of the lower merchant, How to provide separate deposit service.
The method of claim 3,
The location information of the payment terminal, to which the card settlement request is transmitted,
And the payment information is obtained through IP information of the payment terminal.
The method of claim 3,
Whether or not the card payment request can be approved when the lower merchant is an affiliated merchant of the credit card company,
Comparing the position information of the payment terminal to which the card settlement request is transmitted and the address information of the affiliated merchant store stored in the card company server before confirming the payment of the card and confirming the card settlement as a normal transaction If it is determined as possible,
After the card payment is approved, the address information of the user who has made the card settlement at the lower merchant day and the address information of the affiliated merchant store stored in the card company server are compared with each other the day before, And determining that the transaction can be approved as a transaction.
The method according to claim 1,
The step (a)
A step of transmitting to the PG server server a card settlement rejection message for unauthorized processing of the card settlement request when it is determined that the card settlement request can be approved as a result of the determination of whether or not the card settlement request can be approved, Wherein the method comprises the steps of:
The method according to claim 1,
The information of the sub-
Wherein the payment information includes at least one of ID information, address information, business entity information, representative information, and deposit account information of the lower affiliated merchant.
The method according to claim 1,
The amount to be paid to the sub-
Wherein the payment amount is an amount obtained by subtracting a fee to be paid to the PG company from the total payment amount.
A method of providing a card settlement service to a lower merchant associated with a PG company,
(a) when receiving a card settlement request from the lower merchant, transmitting the received card settlement request to a card company server; And
(b) a fee to be paid to the PG company and an amount to be paid to the sub-merchant are calculated among the total payment amounts approved, the card settlement request is approved, and after a predetermined time elapses, Receiving a payment to a predetermined account corresponding to the PG company, and supporting an amount of money to be paid to the lower merchant point to be deposited in a specific account corresponding to the lower merchant point, respectively.
10. The method of claim 9,
The card settlement request includes:
The address information, the provider information, the representative information, and the deposit account information of the lower-level merchant.
10. The method of claim 9,
The step (b)
And transmitting, to the lower merchant, a card settlement rejection message for notifying the abnormality occurrence information of the lower merchant point received from the card dealer server when the card settlement request is not approved. Way.
10. The method of claim 9,
The amount to be paid to the sub-
Wherein the payment amount is an amount obtained by deducting a fee to be paid to the PG company from the total payment amount.
A card company server for settlement of a card settlement amount to each of a PG company and a lower affiliate shop associated with the PG company,
A payment request processing unit for receiving and accepting a card settlement request including information of the lower merchant from the PG company server;
A settlement settlement unit for supporting the calculation or calculation of a fee to be paid to the PG company and an amount to be paid to the sub-merchant, among the approved total settlement amounts, when the card settlement request is approved; And
And a separate deposit processing section for depositing or depositing the fee to a predetermined account corresponding to the PG company and the amount to be paid to the lower franchisee to the specific account corresponding to the lower franchise point after a predetermined time , Card company server.
14. The method of claim 13,
The payment request processing unit,
And determines whether or not the card settlement request can be approved by referring to the information of the lower merchant point.
15. The method of claim 14,
Whether or not the card payment request can be approved,
When the lower merchant is an affiliate merchant of the credit card company, transmits at least one of the location information of the payment terminal to which the card settlement request is transmitted or the address information of the user who holds the card used in the card settlement to the affiliate merchant store Judged by comparing with the address information,
When the lower franchisee is not an affiliated franchisee of the card company, confirms whether the lower franchisee information is valid through the bank server corresponding to at least one of the representative information of the lower franchisee and the deposit account information, server.
16. The method of claim 15,
The location information of the payment terminal, to which the card settlement request is transmitted,
And the payment information is obtained through IP information of the payment terminal.
16. The method of claim 15,
Whether or not the card payment request can be approved when the lower merchant is an affiliated merchant of the credit card company,
Comparing the position information of the payment terminal to which the card settlement request is transmitted and the address information of the affiliated merchant store stored in the card company server before confirming the payment of the card and confirming the card settlement as a normal transaction If it is determined as possible,
After the card payment is approved, the address information of the user who has made the card settlement at the lower merchant day and the address information of the affiliated merchant store stored in the card company server are compared with each other the day before, And judges that the transaction can be approved as a transaction.
14. The method of claim 13,
The payment request processing unit,
And a credit card payment rejection message for notifying the credit card payment request when the credit card payment request can be approved as a result of the determination that the credit card payment request can not be approved and for notifying the occurrence information of the lower credit card to the PG company server A card company server.
14. The method of claim 13,
The information of the sub-
And information on at least one of ID information, address information, business entity information, representative information, and deposit account information of the lower affiliated merchant.
14. The method of claim 13,
The amount to be paid to the sub-
And the amount of money to be paid to the PG company is subtracted from the total payment amount.
KR1020160137479A 2016-06-20 2016-10-21 Method and server for remitting card payment seperately KR101852016B1 (en)

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KR1020160121981A KR101857067B1 (en) 2016-06-20 2016-09-23 Method and apparatus for providing card payment service in an airplane which is in the process of flight
KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
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KR1020160129559A KR101756594B1 (en) 2016-06-20 2016-10-07 Method for producing financial transaction approval non-stop service through acting as an approval proxy and card company server performing the same
KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
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KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
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KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
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KR1020160123319A KR101757125B1 (en) 2016-06-20 2016-09-26 Method and server for providing card service on behalf of card issue company
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KR1020160130025A KR101910915B1 (en) 2016-06-20 2016-10-07 Method for producing overseas payment service connecting domestic card and card company server performing the same
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KR1020160132114A KR101872279B1 (en) 2016-06-20 2016-10-12 Method supporting selection of alliance service and card company server
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KR1020160134836A KR101857073B1 (en) 2016-06-20 2016-10-18 Method, credit card company serveruser terminal and application for performing and supporting mobile payment by scheduling method
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