KR20200099767A - Method for processing payout - Google Patents

Abstract

According to embodiments of the present invention, a method for processing sales settlement may be performed in a server system. The server system receives payment information for goods or services from a retailer, checks from the payment information whether the retailer can be settled immediately and transmits it to the retailer, receives from the retailer whether the retailer selects the immediate settlement or general settlement when the retailer is able to settle immediately, and when the retailer selects the direct settlement, may process the direct settlement to be approved and process the retailer to pay the sales price within a specified time according to the direct settlement.

Description

How to process sales payment {METHOD FOR PROCESSING PAYOUT}

The present invention relates to a method for processing a sheet price. In more detail, the present invention relates to a sales price processing method in which a retailer can select a direct settlement that pays the sales price within a relatively short time or a general settlement that pays the sales price within a relatively slow time.

When purchasing goods or services, payment is made using card payment such as a check card or credit card.

However, in the case of purchasing goods, services, etc. using card payment, there is a problem in that the sales price is not paid to the store almost at the same time as the card payment, and the sales price is paid to the store after about 3 to 7 days have elapsed.

An object of the present invention is to settle the payment immediately at the time of purchase of goods, services, etc., at which the payment of the sales price is made to the store almost at the same time as the card payment, set settlement to set the time to receive the sales price, or payment of the sales price as before The purpose of this is to provide a method of handling the sales price that not only the store can select the general settlement that takes place, but also immediately respond to the request for cancellation of settlement.

A method for processing a sales price according to exemplary embodiments for achieving the object of the present invention may be performed in a server system. The server system receives payment information for a product or service from a store, checks whether the store can be settled directly from the payment information, and transmits it to the store, and if the store can directly settle the payment, the Whether the direct settlement is selected or general settlement is selected from the retailer, and if the retailer selects the direct settlement, the direct settlement is approved and the sales price is paid to the retailer within the specified time according to the direct settlement. Can be handled.

The direct settlement in the sales price processing method is to pay the sales price to the retailer at a relatively fast time compared to the general settlement, and the general settlement is to the retailer at a relatively slow time compared to the direct settlement. The sale price is paid, and whether the immediate settlement is possible may be achieved by checking whether the retailer has accumulated a deposit amount equal to or greater than the sale price in the server system.

In example embodiments, when the retailer selects the general settlement, the retailer may approve the general settlement and pay the sales price to the retailer within a specified time according to the general settlement.

In exemplary embodiments, the server system receives a request for cancellation of the payment information from the retailer, processes to deduct the sale price from the deposit, approves the minimum request, and transmits the request to the retailer. I can.

In example embodiments, the server system may transmit balance information on the deducted deposit to the retailer.

In exemplary embodiments, when it is determined from the payment information that the retailer is not able to settle the payment immediately, the server system transmits balance information on the deposit to the retailer, and the retailer makes the deposit. It is checked whether or not a deposit has been made to be accumulated in excess of the sales price, and when the seller deposits the deposit so that the sales price is more than the sales price, the seller may transmit that the settlement is possible immediately.

In the present invention, when purchasing goods, services, etc., since the merchant can select the settlement immediately upon payment of the sales price to the merchant at almost the same time as the card payment, a competitive advantage can be expected through the improvement of the fund turnover rate of the merchant.

In addition, since the present invention can immediately respond to a request for cancellation of settlement, it can be expected to improve efficiency according to fund management.

However, the subject and effect of the present invention are not limited to those mentioned above, and may be variously extended without departing from the spirit and scope of the present invention.

1 is a schematic diagram showing a system for implementing a method for processing a sales price according to exemplary embodiments.
2 to 4 are schematic diagrams for explaining a method of processing a sales price according to exemplary embodiments.

With respect to the embodiments of the present invention disclosed in the text, specific structural or functional descriptions have been exemplified only for the purpose of describing the embodiments of the present invention, and the embodiments of the present invention may be implemented in various forms. It should not be construed as being limited to the embodiments described in.

Since the present invention can apply various changes and have various forms, specific embodiments will be illustrated in the drawings and described in detail in the text. However, this is not intended to limit the present invention to a specific form of disclosure, it is to be understood as including all changes, equivalents, or substitutes included in the spirit and scope of the present invention.

Terms such as first and second may be used to describe various components, but the components should not be limited by the terms. These terms may be used for the purpose of distinguishing one component from another component. For example, without departing from the scope of the present invention, a first component may be referred to as a second component, and similarly, a second component may be referred to as a first component.

When a component is referred to as being "connected" or "connected" to another component, it is understood that it is directly connected to or may be connected to the other component, but other components may exist in the middle. Should be. On the other hand, when a component is referred to as being "directly connected" or "directly connected" to another component, it should be understood that there is no other component in the middle. Other expressions describing the relationship between components, such as "between" and "directly between" or "adjacent to" and "directly adjacent to" should be interpreted as well.

The terms used in the present application are only used to describe specific embodiments, and are not intended to limit the present invention. Singular expressions include plural expressions unless the context clearly indicates otherwise. In the present application, terms such as "comprise" or "have" are intended to designate the presence of a set feature, number, step, action, component, part, or combination thereof, and one or more other features or numbers It is to be understood that it does not preclude the possibility of the presence or addition of, steps, actions, components, parts, or combinations thereof.

Unless otherwise defined, all terms used herein, including technical or scientific terms, have the same meaning as commonly understood by one of ordinary skill in the art to which the present invention belongs. Terms as defined in a commonly used dictionary should be interpreted as having a meaning consistent with the meaning of the context of the related technology, and should not be interpreted as an ideal or excessively formal meaning unless explicitly defined in this application. .

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

1 is a schematic diagram showing a system configuration for implementing a method for processing a sales price according to exemplary embodiments.

Referring to FIG. 1, the retail store 11 is a subject that sells goods and services, and may further include a manufacturer that manufactures goods, a distributor that distributes goods, services, etc., in addition to a seller who sells goods and services. There will be.

In addition, the store 11 may sell products, services, etc. offline or may sell products, services, etc. online.

A buyer is a subject that purchases goods, services, and the like, and may pay the price by using a card payment such as a check card or a credit card when purchasing goods or services.

Likewise, a buyer may also be able to purchase goods, services, etc. offline, or purchase goods, services, etc. online.

The server system 13 may be managed by a business operator (hereinafter referred to as a “manager”) that has entered into an agreement with the retail store 11 for payment of the sales price.

The manager manages information on whether settlement is possible and whether settlement is immediately selected, as described below, as well as information on deposits and deposits and withdrawals required for requesting cancellation of payment information. It may be a card company that directly manages the card payment, or it may be a payment agent (PG: Payment Gateway) that has signed an agreement for approval processing and payment of sales price from the card company, or it can be settled directly to the card company or payment agency. It may be an information provider that provides information on whether it is possible and whether to immediately select settlement, and provides information on deposit and withdrawal required for requesting cancellation of payment information.

Accordingly, the administrator's server system 13 may be provided to manage information such as whether the settlement is possible, whether the settlement is immediately selected, the accumulation of a deposit required for requesting cancellation of payment information, deposit and withdrawal, and the like.

Here, when the server system 13 of the manager is provided to be managed by the card company mentioned, it may have a structure that is connected to the card company and the retailer 11 through a network. When the administrator's server system 13 is provided to be managed by the mentioned payment agency, it may have a structure in which the payment agency and the retailer 11 are connected through a network, and information and data can be exchanged with a card company. It will be able to have a structure that is connected so that it is possible. When the administrator's server system 13 is provided to be managed by the mentioned information provider, it may have a structure in which the information provider and the store 11 are connected through a network, and information and data are also transmitted to payment agencies and card companies. You could have a structure that connects to be interchangeable.

The server system 13 according to exemplary embodiments may include a server computer or the like that provides a web service.

The server system 13 is a web server that provides various services in response to hardware resources such as CPU, memory, storage device, communication device, input/output device, and the like, and in response to a request of a retailer terminal connected through a network such as the Internet or an intranet or a LAN. It may include software such as a module, a database module that records and stores data in a storage device or reads the recorded data and provides it to an externally requested resource.

In addition, the aforementioned storage device may include a storage device built directly into the server system 13, a storage device built into a cloud device accessible through the Internet, and the like.

The retailer terminal and the server system 13 may be connected to a network such as the Internet. An application issued from the server system 13 of the administrator may be installed in the store terminal in response to the request of the store terminal.

Therefore, according to exemplary embodiments, whether payment information is received from the retail store terminal provided on the retail store 11 side, and whether the settlement is immediately possible or whether the settlement is directly selected using the server system 13 provided on the administrator side. , You will be able to manage information such as deposit, deposit and withdrawal necessary for requesting cancellation of payment information.As a result, when purchasing goods and services, the store selects the settlement immediately when payment of the sales price is made to the store almost at the same time as the card payment. Not only can it be possible, but it will be able to respond immediately to requests for cancellation of settlement.

Hereinafter, a method of processing a sales price according to exemplary embodiments made using the aforementioned system configuration will be described.

First, when the server system is connected to the retailer, it will be able to receive whether or not to select the settlement directly from the retailer.

Accordingly, if the store chooses to continue to use the settlement immediately, or if the retailer chooses to use the settlement immediately after using the general settlement, the server system checks whether the store has accumulated a deposit that can be deducted according to the cancellation request. , If the deposit has been accumulated, a message allowing the use of settlement can be sent to the retailer, and if the deposit is not accumulated, a message disallowing the use of settlement can be sent to the retailer.

In this way, if a store is accumulating a deposit, you can choose to settle immediately.

In addition, if a store that does not have a deposit accumulates a new deposit, the server system will be able to confirm this and immediately send a message allowing the use of settlement to the store.

Here, direct settlement can be understood as paying the sales price to the store at a relatively quick time compared to general settlement, whereas general settlement pays the sales price to the store at a relatively slow time compared to direct settlement. It can be understood as doing.

In exemplary embodiments, the immediate settlement may be made to pay the sales price to the retailer within about 3 minutes from the time when the selection of settlement is received from the retailer, and general settlement is the time when payment information is received from the retailer. It could be made to pay the sales price to the retailer within three days from the start.

The deposits mentioned above are accumulated to the manager who manages the server system at the store, and it will be possible to have a structure in which free deposit and withdrawal is normally performed.

2 to 4 are schematic diagrams for explaining a method of processing a sales price according to exemplary embodiments.

First, referring to FIG. 2, when a buyer purchases a product or service at a store and pays for a payment using a card such as a check card or a credit card, the server system receives payment information for the product or service from the store. Can (S21 step)

Accordingly, the server system can check whether settlement is possible directly from the payment information and transmit it to the retailer (step S23). That is, the server system checks whether the corresponding retailer is a retailer that can be settled directly from the payment information, and The results can be sent to the retailer.

Immediately, whether or not settlement is possible, that is, judgment can be made by confirming whether the retailer is accumulating the deposit.

In particular, in order to be able to settle immediately, the deposit must be accumulated above the sales price. This is because, when a request for cancellation of the sale is requested, the amount of the sale price must be deducted from the accumulated deposit.

In other words, whether or not the immediate settlement is possible may be achieved by checking in the server system whether or not the corresponding store has a deposit more than the sales price for the corresponding sale.

Subsequently, when the retailer is able to settle immediately, the server system may receive whether the retailer has selected the immediate settlement or general settlement (step S25).

In other words, as the server system informs the store that settlement is possible immediately, the store can inform the server system whether the direct settlement or general settlement is selected.

In addition, when the retailer selects immediate settlement, the server system may immediately approve the settlement and process the sales price to be paid to the retailer in a relatively quick time compared to general settlement (steps S27 and S29).

According to exemplary embodiments, the immediate settlement may be performed to pay the sales price to the retailer within about 3 minutes from the time of receiving whether or not to select the settlement directly from the retailer.

In the sales price processing method according to exemplary embodiments, when purchasing goods, services, etc., the store may select the settlement immediately after payment of the sales price is made to the store almost at the same time as the card payment, and as a result, the store may improve the fund turnover rate. I can conceive.

If it is confirmed that settlement is not possible directly from the payment information in step S23 mentioned above, the server system may send a message indicating that settlement is not possible directly to the store.

That is, if the store is not accumulating a deposit or is accumulating a deposit less than the sales amount, the server system confirms that settlement is not possible immediately, and a message about this may be transmitted to the store.

Accordingly, the server system may process the approval as a general settlement, and immediately pay the sales price to the store at a relatively slow time compared to the settlement (steps S31 and S33).

In addition, if the retailer selects general settlement in step S25 mentioned above, the server system may receive a message indicating that general settlement has been selected, and accordingly, the server system processes the approval as normal settlement, and is relatively slow compared to the immediate settlement. It can be processed to pay the sales price to the store at time (steps S31 and S33).

According to exemplary embodiments, general settlement may be performed to pay the sales price to the retailer within 3 days at the earliest from the time when payment information is received.

3, the server system may receive a request for cancellation of payment information from the store (step S35). That is, when the purchase of goods, services, etc. is canceled due to the change of mind of the buyer, the store stores payment information. By proceeding with the request for cancellation, the server system can receive a request for cancellation of payment information from the store.

Then, the server system may check the deposit accumulated at the store, deduct the deposit as much as the sales price, and then approve the request for cancellation of payment information (steps S37 and S39).

As described above, since the sales price processing method according to the exemplary embodiments can immediately respond to a request for cancellation of settlement, even an improvement in efficiency according to fund management can be expected. In other words, even if the store asks for cancellation of settlement immediately, the deposit already accumulated above the sales price can be deducted, so it will be possible to immediately respond to the request for cancellation of settlement.

In addition, referring to FIG. 4, when the server system is connected to a store, when the settlement is immediately confirmed at step S23, settlement is not possible, or the balance information on the deposit to the retailer after processing a cancellation request at step S39. Can be transmitted (step S41)

In particular, when it is confirmed that the settlement is not possible immediately when the settlement is possible in step S23, and the store stores deposits, the server system checks whether the deposit has been deposited so that the deposit is more than the sales amount, and makes it above the sales amount. When the deposit has been deposited, the store can transmit that settlement is possible immediately (S43 step).

In addition, after processing the cancellation request in step S39, the server system transmits the balance information on the deposit to the store, and after confirming whether the store has deposited the deposit, it will be able to retransmit the balance information on the deposit. Step S41 and Step S43)

As mentioned, the sales price processing method according to exemplary embodiments can be processed by deducting the deposit from the deposit even if a cancellation request is received immediately after the settlement is made, and as a result, the retailer can more efficiently manage the funds. There will be.

In addition, in the method of processing the sales price according to exemplary embodiments, deposits are immediately accumulated for selective use of settlement, but since the accumulated deposit is free to deposit and withdraw, the store will not interfere with fund management.

In addition, in the method of processing the sales price according to exemplary embodiments, the amount that can be immediately settled may be determined according to the accumulated deposit, but the minimum accumulated amount of the deposit will not be separately determined.

In conclusion, in the sales price processing method according to exemplary embodiments, not only the store can select the direct settlement or general settlement as the payment method, but also the deposit is made even if a cancellation request occurs after the payment is paid to the store through immediate settlement. By subtracting, easy processing will be possible.

In addition, if the administrator's server system is provided to be managed by the information provider mentioned, and if the payment agency is configured to approve the payment information, the information provider is able to settle immediately, whether or not to immediately settle, the details of deposits, deposit and withdrawal Information, including details, can be shared with retailers and payment agencies, and payment agencies will be able to share approval processing for payment information and approval processing for cancellation requests with retailers and information providers.

Although not shown, if the retailer is able to settle immediately, in addition to the immediate settlement, it may be possible to select a set settlement that allows the retailer to set a time to receive payment of the sales price.

Accordingly, since the retailer can directly settle the settlement, if the set settlement is selected, the server system may receive from the retailer whether the retailer has selected the set settlement. That is, if the store can be settled immediately, the store may select either direct settlement, general settlement, or set settlement, and the server system may receive the selected one.

In addition, the server system may process the set settlement to be approved, and to pay the sales price to the store within a designated time according to the set settlement.

However, the designated time for the set settlement may not be faster than the immediate settlement. Primarily, the set settlement could be used as the next day settlement.

As described above, since the sales price processing method according to exemplary embodiments can select not only settlement, general settlement, but also set settlement, it will be possible to provide more efficient fund management to retailers.

The method of processing a sales price according to exemplary embodiments may be usefully utilized in a store having a payment method such as a check card or a credit card.

Although the above has been described with reference to embodiments of the present invention, those skilled in the art will be able to variously modify and change the present invention without departing from the spirit and scope of the present invention described in the following claims. You will understand that you can.

11: store
13: server system

Claims (6)

In the method of processing the sales price in the server system,
The server system,
Receiving payment information for goods or services from a store;
Checking whether the retailer is able to settle payment directly from the payment information and transmitting it to the retailer;
Receiving from the retailer whether the retailer selects the direct settlement or general settlement when the direct settlement is possible; And
When the retailer selects the immediate settlement, processing to approve the immediate settlement and pay the sales price to the retailer within a specified time according to the immediate settlement,
The direct settlement is to pay the sales price to the retailer at a relatively fast time compared to the general settlement, the general settlement is to pay the sales price to the retailer at a relatively slow time compared to the direct settlement, The sale price processing method, characterized in that, whether or not the immediate settlement is possible is made by checking whether the retailer has accumulated a deposit equal to or greater than the sale price in the server system. The method of claim 1,
And if the retailer selects the general settlement, processing the retailer to approve the general settlement and pay the sales price to the retailer within a specified time according to the general settlement. The method of claim 1,
Receiving a request for cancellation of the payment information from the retailer;
Processing to deduct as much as the plate price from the deposit; And
And transmitting the approval processing to the retailer by processing the minimum request. The method of claim 3,
And transmitting balance information on the deducted deposit to the retailer. The method of claim 1,
When it is confirmed from the payment information that the retailer is not able to settle immediately,
The server system,
Transmitting balance information on the deposit to the retailer;
Checking whether the retailer has deposited the deposit to be accumulated in excess of the sales price; And
And transmitting that when the retailer deposits the deposit so that the sales price is equal to or greater than the sales price, transmitting the settlement is possible to the retailer immediately. The method of claim 1,
If the above store can be settled immediately,
The server system,
Receiving from the retailer whether the retailer has selected a set settlement for setting a time when the sales price is to be paid;
And processing the sales price to pay the sales price within a specified time according to the set settlement by approving the set settlement when the retailer selects the set settlement.

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