KR20210051738A - method for mediating payment for freelancer's service pay - Google Patents

Abstract

The present invention relates to a method for mediating payment for a service fee of a freelancer, which makes a contract for service conditions or various usage fees, including service time and service fee between a business operator and a freelancer in real time through an external mediation agency and settlement and payment according to the contract are automatically performed without intervention of the business operator. According to the present invention, the method comprises the following steps of: (a) transmitting, by a mediation server, a business ID and bank account information of a registered business operator and a freelancer ID and bank account information of a registered freelancer to a payment agency server, a card company server, or both through a wired/wireless communication network to store the same; (b) transmitting, by the mediation server, contract contents including a corresponding store operator ID, a freelancer ID, and a service fee to a store management terminal through the wired/wireless communication network; (c) receiving, by the store management terminal, sales details, and information on a freelancer providing a service when sales occur and transmitting the business ID, the freelancer ID, payment amount, and service fee information to a payment terminal through the wired/wireless communication network; and (d) transmitting, by the payment terminal, payment time, payment amount, the business ID, the freelancer ID, the payment amount, and information on the payment amount and the service fee to a card company server through a payment agency server connected through the wired/wireless communication network and remitting a business fee and the service fee to the business operator account and the freelance bank account through a payment server thereof or the payment gateway server, respectively.

Description

Method for mediating payment for freelancer's service pay}

The present invention relates to a brokerage method for payment of freelance service fees, and a contract is concluded in real time between a business operator and a freelancer for service conditions including service time and service cost or various usage fees through an external intermediary agency. It relates to a brokerage method for payment of freelance service fees that is made automatically without intervention.

As is well known, as the method of paying for goods or services through cards such as credit or debit cards has become common, various types of cards are being issued, and card merchants that can use cards as a payment method have also increased significantly. I'm doing it. In line with this trend, when a merchant requests payment with a user's card, POS payment is made by accessing the card company's network through a payment agency such as a VAN (Value Added Network) company and a PG (Payment Gateway) company. The system and card terminal payment system have been established and are widely used.

1 is a network configuration diagram of a general card payment system (refer to prior art 1). As shown in Figure 1, a general card payment system is a merchant payment terminal, for example, a POS terminal or a card terminal 100, a payment agency (VAN company or PG company) server 200, a card company server 300, and the National Tax Service. It consists of a server 400. Here, the merchant payment terminal 100, such as a POS terminal, is connected to a store management terminal (not shown) for inputting, calculating, and storing payment and sales-related information, and a printer for issuing receipts.

Next, when the payment agency server 200 receives payment information from the affiliated store payment terminal 100, it transmits it to the corresponding card company server 300, and receives payment information such as approval/theft/accident from the card company to make payment to the affiliated store. Payment is made by transmitting it to the terminal 100.

In the payment process of the above-described payment system, the card company charges a fee to the affiliated store and pays the payment price to the affiliated store after a certain period, for example, 3 to 7 days. The lump sum payment amount is immediately withdrawn from the card user's connected bank account and deposited into the corresponding card company account, and for pure credit cards or other credit cards, the payment amount includes a high rate of interest when purchasing an installment payment, and the card user's connection You are withdrawing from your bank account.

On the other hand, when most companies or workplaces employ workers for business, they employ uniform conditions and hire employees who meet them.In this case, there is always an inherent problem of inefficiency caused by inconsistency between the number of employees employed and the amount of work. Has been. In order to supplement and improve the problems associated with this type of employment, the employment type of freelance or part-time work is being considered as an alternative. Hereinafter, a form of employment other than direct employment, that is, a person who works part-time, such as a freelancer or part-time job, is collectively referred to as a'freelancer'.

However, in the case of such part-time workers, the position of freelancers is relatively unstable compared to regular workers, and therefore freelancers are disadvantaged because contracts related to remuneration (hereinafter collectively referred to as ``service fees'') such as hourly wages and payment timings are not clearly stated. There are many problems, and even if the contract matters were clarified, there were problems such as not being paid at all or receiving insufficient payments depending on the intention or circumstances of the employer (hereinafter collectively referred to as'business owner').

In view of the above-described problems, a payment relay system that does not go through a business between a consumer and a freelancer is proposed as Prior Art 2 below. According to the above-described prior art 2, when a freelancer (member) provides services or goods for a business (manager) and pays by card for sales generated, the business allocates the amount to be paid for each freelancer for each payment, and the information is finally After being sent to the card company's server, the amount to be paid to the freelancer is distributed to the bank account registered in advance by the freelancer.

However, prior art 2 is an invention that focuses on simply distributing the amount to be paid to the freelancer for the sales generated by the freelancer, and the card company server directly distributing it to the freelancer. Since service costs are not automatically distributed, there is a possibility that a dispute between the business operator and the freelancer could arise regarding the distribution rate.

In addition, there is a problem in that there is no countermeasure for the case where the freelancer does not provide the service at the specified service provision time, and there is no room for disputes because there is no standard for the additional manpower or equipment fee provided by the business operator.

In addition, in the following prior art 3, when an unspecified number is assigned a unique number in a certain format and registered as a member, and a proxy driving service is made due to a request for a proxy operation from a user (customer) through the promotion of a member who has been assigned a unique number, A surrogate operation operating system using a unique number and a method of operation thereof has been proposed that pays a certain amount of revenue to members (members who have been given a unique number) for the promotion of proxy driving and service costs.

Prior art 1: 10-1886573 registered patent publication (name of invention: card payment system) Prior Art 2: Patent Publication No. 10-2004-0099004 (Title of invention: Payment relay system that does not go through a business between a consumer and a freelancer) Prior Art 3: 10-2013-0131547 Patent Publication (Name of invention: proxy operation operation system using a unique number and its operation method)

The present invention was conceived to solve the above-described problem, and a contract for service conditions including service time and service cost, including service time and service cost, or various usage fees, etc., is signed in real time between a business operator and a freelancer through an external intermediary agency, and settlement and payment accordingly The purpose of this is to provide an intermediary method for payment of freelance service fees that is made automatically without the intervention of a business operator.

In order to achieve the above object, the brokerage method for payment of freelance service fees according to the present invention provides a payment agency server, a credit card company through a wired/wireless communication network with the brokerage server's member-registered business ID and bank account information, and the member-registered freelancer ID and bank account information. (A) transferring and storing the server or both; (B) step of transmitting, by the mediation server, the contract details including the store operator ID, the freelancer ID, and the service fee to the store management terminal through a wired/wireless communication network; Step (c) of delivering the business ID, freelance ID, payment amount, and service cost information to the payment terminal through the wired/wireless communication network after the store management terminal receives the sales details and the freelancer information that provided the service in case of sales. The payment time, payment amount, business ID, freelance ID, payment amount, and service cost information are delivered to the card company server through the payment agency server connected via wired/wireless communication network, and the card company server provides a business bank account and freelancer through its own or payment agency server. It includes the step (d) of remitting the business fees and service fees to the bank account, respectively.

In the above-described configuration, the step (b) is performed in synchronization with the date on which the freelance member applied for business to the corresponding store through the mediation server.

The intermediary server requests the deposit of the deposit upon the above business application.

The contract includes information on whether to use an intern, whether to use materials, whether or not to use equipment, and the usage fee.

Material usage fees and equipment usage fees are deducted from service costs and remitted to the business bank account.

The intern fee is deducted from the service fee and remitted to the operator's escrow account.

According to the freelance service fee payment brokerage method of the present invention, a contract is signed in real time through an external intermediary agency on-line so that the relationship between the business operator and the freelancer becomes clear, and the actual work and service cost payments are automatically made according to the contract terms concluded. By doing so, many effects are exerted as follows.

First, from the standpoint of a business operator, the increase in ordinary expenses due to direct employment and the reduction of the risk due to seasonal or economic fluctuations allows more active and flexible manpower management, and from the standpoint of a freelancer, the desired conditions for the desired time and period. Ultimately, it can greatly contribute to the development of the country because it is possible to easily find a suitable store and conduct economic activities.

In this process, the settlement and payment of service costs due to work between the business operator and the freelancer excludes the business operator's intervention, that is, the service cost according to the business operator's judgment is automatically and immediately made by an external intermediary agency without giving the business a superior position or economic option. Unfair situations such as voluntary non-payment or voluntary change of contract details can be prevented in advance.

In addition, it is very burdensome for a freelancer to directly purchase and own equipment, such as equipment or equipment necessary for performing his or her job, but it is necessary to rent and use consumables, materials (hereinafter referred to as'materials') or equipment provided or installed by the business operator. The fee for use can be automatically settled according to a pre-contract, that is, deducted from the freelancer's service fee and paid to the business operator, thereby providing satisfactory results to both sides.

1 is a network configuration diagram of a general card payment system.
Figure 2 is a network configuration diagram of a freelance service fee payment brokerage system according to an embodiment of the present invention.
3 is a sequence chart for explaining a process from the freelance service fee payment brokerage method according to an embodiment of the present invention to the conclusion of a contract between a business operator and a freelancer.
4A to 4D are diagrams illustrating web page screens for explaining the process of hiring, finding a job, and signing a contract, respectively, in a method of paying freelance service fees according to an embodiment of the present invention.
5 is a sequence chart for explaining a process from the start of work between a business operator and a freelancer to payment of service fees in a method of paying freelance service fees according to an embodiment of the present invention.
6 is a network configuration diagram of a freelance service fee payment brokerage system according to another embodiment of the present invention.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of the method of intermediating payment of freelance service fees according to the present invention will be described in detail, and a hair shop, which is an industry suitable for freelance work, will be described as an example of a store.

2 is a network configuration diagram of a freelance service fee payment brokerage system according to an embodiment of the present invention. As shown in Figure 2, the freelance service cost payment brokerage system according to an embodiment of the present invention includes a freelance service cost brokerage server 600 and a brokerage server DB 610 connected thereto to store various data and information, such as the Internet. Store management terminal 620, which is connected to the mediation server 600 through a communication network and manages sales and payments of each store, and a communication network such as RS-232C or USB wired communication network or WiFi B. A merchant payment terminal connected through a wireless communication network such as Bluetooth, for example, a POS terminal or a card terminal (hereinafter simply referred to as a'payment terminal') 630, a payment agency (VAN company) connected to the payment terminal 630 through a communication network. Or PG) server 640, a card company server 650 and the IRS server 660.

3 is a sequence chart for explaining a process from the freelance service fee payment brokerage method according to an embodiment of the present invention to the conclusion of a contract between a business operator and a freelancer, and FIGS. 4A to 4D are each freelancer according to an embodiment of the present invention. This is an example of a web page screen to explain the process of hiring, finding a job, and signing a contract in the service fee payment brokerage method.

As shown in FIG. 3. First, the mediation server 600 is a freelance terminal 670 from time to time through an online website as shown in FIG. 4A, for example, a wired/wireless freelance terminal 670 such as a desktop PC, a notebook PC, a tablet PC, or a smartphone. After proceeding with the membership registration process with the freelance member through (step S10), the freelance member information input in this process is stored in the mediation server DB 610 (step S15).

Freelance member information required at this time includes name, ID, password, and bank account information to which service fees are to be deposited.In addition, date of birth, address, license related to the service, for example, whether or not to have a hairdresser license, photo of ID card and bankbook, etc. There may be.

Separately, the mediation server 600 is a business member through a business terminal 680 from time to time through its online website, for example, a wired/wireless business terminal 680 such as a desktop PC, a notebook PC, a tablet PC, or a smartphone. After proceeding with the membership registration process (step S20) between the lessons, the business member information inputted in this process is stored in the mediation server DB 610 (step S25).

In this case, the required business member information may include store information, such as company name, representative name, business number, business registration certificate photo, bank account information to which business fees and usage fees are deposited, business site phone number and address, etc. In addition, there may be business hours, business area number, business site description, website address and SNS information, such as Instagram or Facebook ID and services provided.

On the other hand, although not shown, the intermediary server 600 is a payment agency server 640 or a card company server 650 or both of the member ID information, bank account information, and escrow account information of the business member when registering as a business member or as a freelance member. Even if only the IDs of business members and freelance members are provided to the payment agency server 640 or the card company server 650 afterwards, the payment agency server 640 or the card company server 650 is matched to the bank. You can check your account and make the remittance.

The mediation server 600 also communicates with the operator member through the operator terminal 680, for example, a wired/wireless operator terminal 680 such as a desktop PC, a notebook PC, a tablet PC, or a smartphone through its online website. After the job registration process is performed (step S30), the job registration information inputted in this process is stored in the mediation server DB 610 (step S35).

Job registration information required at this time includes title, type of business, job area, order application, service (job) period and minimum time and service fee, deposit availability, availability of materials, equipment, interns, and usage fees, and photos of the workplace. This can be. Here, the service cost may be determined in various ways, such as a fixed amount such as an hourly wage or a distribution rate per sales, which is collectively referred to as'service cost', and in reality, the distribution rate will be used a lot. Similarly, the operator's fee, intern fee, material usage fee, and equipment usage fee may be determined by a fixed fee or a distribution rate per sales, respectively, as'operator fee','intern usage fee','material usage fee' and'equipment usage fee', respectively. Collectively, the distribution ratio will be used a lot in practice.

In this way, in a state in which a number of job offer registrations are in progress, the freelance member logs in through the website operated by the mediation server 600, and after browsing the store where the job offer is registered as shown in FIG. 4B, FIG. 4C and As shown in FIG. 4D, it is possible to apply for a business to a desired store (step S40). In this process, the information required when applying for business includes the date (period) and time of work, whether the order is applied, whether or not to use interns, materials or equipment, and whether to accept the contract.

When the business application is completed in this way, the intermediary server 600 immediately notifies the business operator of the business application, for example, by text message, SNS or email (step S50). After confirming the content through ), it is possible to notify the mediation server 600 of whether or not to approve the business for the freelance member (step S60).

Next, the mediation server 600 notifies the freelance terminal 670 of the fact that the business approval is rejected (step S72) when the business approval is rejected from the business terminal 680 (step S70), whereas, when the business is approved, While notifying the business approval fact to the freelancer terminal 670, a deposit of a deposit is requested (if there is a deposit) to a previously notified bank account (step S74). Step S74 is necessary to force the freelancer to provide the service during the period in which the business is applied. If the service is provided without returning the deposit only when the service is not provided during that period, it is automatically transferred to the freelancer's bank account. Is returned.

Next, the intermediary server 600 checks whether the deposit has been deposited (step S80) and, if the deposit is not made, informs the freelance terminal 670 of the fact that the contract has not been established (step S82). The contract establishment fact is notified to both sides of the operator terminal 680 and the freelance terminal 670 (step S82), and at the same time, the contents of the contract between both parties are stored in the mediation server DB 610 (step S90).

FIG. 5 is a sequence chart for explaining a process from the start of work between a business operator and a freelancer to payment of service fees in a method of paying a freelance service fee according to an embodiment of the present invention. As shown in FIG. 5, when a business member logs in to the website of the mediation server 600 (step S100), the mediation server 600 transfers all contract information between the business operator and the freelancer on the corresponding date to the mediation server DB 610. ) From (step S110) and transmitted to the store management terminal 620 (step S120).

In this state, when sales are generated through an arbitrary freelancer in the store, the freelancer selects (inputs) the service details provided by the person through the screen of the store management terminal 620 and then outputs (displays) it. In the user's name (or vice versa), the store management terminal 620 automatically calculates the amount of sales and outputs it to the screen (step S130).

When sales are generated in this way, the store management terminal 620 checks the contract contents received in step S120, that is, business information and freelance information, payment amount (including installment or not, hereinafter the same), service fees and interns, materials or equipment. After confirming the usage fee information, it is transmitted to the payment terminal 630 (step S140).

Specifically, the order and type of data transmitted from the store management terminal 620 to the payment terminal 630 is, for example, "business ID, freelance ID, payment amount, service cost (rate), intern usage fee (rate), material usage fee. (Rate), equipment usage fee (rate) and other fees (rate)" (eg ab0001 / cd0001 / 100,000 / 45/10/7/2 / 2).

Next, the payment terminal 630 determines whether a certain card to be used for payment has been input, and if it is input, the payment agency adds the payment time and card information to the information received from the store management terminal 620 in step S140. The server 640, for example, transfers it to a VAN company server or a PG company server, and the payment agency server 640 transmits it to the card company server 650 used for payment again (step S160) to request approval.

Specifically, the order and type of data transmitted from the payment terminal 630 to the payment agency server 640 is, for example, "payment time, card information, payment amount, business ID, freelance ID, service fee (rate), intern usage fee. (Rate), material usage fee (rate), equipment usage fee (rate), and other fees (rate)" (e.g., 20191016040630/123456781234 / 100,000 /ab0001 / cd0001 / 45/10/7/2 / 2) .

Next, the card company server 650 checks whether the card requested for payment is a card that cannot be approved, such as approval, theft, or an accident, and determines whether to approve the payment (step S170). It is notified to the payment terminal 630, the mediation server 600, or the store management terminal 620 through the server 640 (step S180). On the other hand, when payment is approved, payment approval details are transmitted to the payment terminal 630, the mediation server 600, and the store management terminal 620 through the payment agency server 640, and the mediation server 600 is post-verified. For this, the payment approval details are stored in the mediation server DB 610 (step S200).

Separately, the card company server 650 remits the service cost by subtracting the intern, material and equipment usage fee and other usage fees to the freelance bank account based on the service cost (rate) and various usage fees (rate) information received in step S160, and Remittance of business fees, materials and equipment usage fees to the bank account, and remittance of intern usage fees to the escrow account. Here, the escrow account may be used to accumulate an amount that must be saved for monthly fees, for example, intern salaries or membership cards.

Figure 6 is a network configuration diagram of a freelance service fee payment brokerage system according to another embodiment of the present invention, an example of a configuration in which the payment agency server 640 is divided into a VAN company server 640' and a PG company server 640" I'm doing it.

In the embodiment of Figure 6, the payment terminal 630 is payment information transmitted in step S160, for example, "payment time, card information, payment amount, business operator ID, freelance ID, service fee (rate), intern fee (rate), Material usage fee (rate), equipment usage fee (rate), and other fees (rate)" (Example: 20191016040630/123456781234 / 100,000 /ab0001 / cd0001 / 45/10/7/2 / 2) Payment information to the VAN company server (640' ) And the PG company server 640", respectively.

Afterwards, the VAN company server 640' separates only the service provider's fee (rate) and requests approval to the card company server 650', and the PG company server 640" provides the service fee (rate) and the usage fee (rate) of the freelancer. ), that is, the intern usage fee (rate), material usage fee (rate), equipment usage fee (rate), and other usage fees (rate) request approval to the card company server 650' Next, the card company server 650' approves it. If it is decided and approved, the business fee is transferred to the business bank account through the VAN company server 640', and the freelance service fee, after subtracting the intern, material and equipment usage fee, and other fees, is the PG company server (640"). Remittance is made to a freelance bank account through the bank account, material usage fees and equipment usage fees are remitted to the business bank account fees, and internship salaries and membership certificates are transferred to the escrow account.

In the above, with reference to the accompanying drawings, a preferred embodiment of the freelance service fee payment brokerage method has been described in detail, but this is only an example, and various modifications and changes may be made within the scope of the technical idea of the present invention. Accordingly, the scope of the present invention should be determined by the description of the following claims.

For example, the timing of registration of service costs (rates) or various usage fees (rates) may be made when registering as a business member. The deposit deposit may also be made at the time of signing up as a freelancer or before the business application.

600: mediation server, 610: mediation server DB,
620: store management terminal, 630: payment terminal,
640: payment agency server, 640': VAN company server,
640": PG server, 650, 650': card company server,
660: IRS/FSS server

Claims (6)

(A) step of transferring and storing the brokerage server's member-registered business ID and bank account information, and member-registered freelancer ID and bank account information to a payment agency server, a card company server, or both through a wired/wireless communication network;
(B) step of transmitting, by the mediation server, the contract details including the store operator ID, the freelancer ID, and the service fee to the store management terminal through a wired/wireless communication network;
Step (c) of delivering the business ID, freelance ID, payment amount, and service cost information to the payment terminal through wired/wireless communication network after the store management terminal receives the sales details and freelancer information that provided the service when sales occur, and
The payment terminal transmits the payment time, payment amount, business ID, freelance ID, payment amount, and service cost information to the card company server through the payment agency server connected via wired/wireless communication network, and the card company server transmits the information on the payment agency server itself or through the payment agency server. A brokerage method for payment of freelance service fees, including the step (d) of remittance of business fees and service fees to an account and a freelance bank account, respectively. The method according to claim 1,
The step (b) is a freelance service fee payment brokerage method, characterized in that it is performed in synchronization with the date the freelance member applied for business to the store through the brokerage server. The method according to claim 2,
The brokerage server is a freelance service fee payment brokerage method, characterized in that requesting the deposit of the deposit upon the business application. The method according to any one of claims 1 to 3,
The contract content, freelance service fee payment brokerage method, characterized in that it includes information on whether to use an intern, whether to use materials, whether to use equipment, and to use the fee. The method of claim 4,
Freelance service fee payment brokerage method, characterized in that the material usage fee and equipment usage fee are subtracted from the service fee and remitted to the business bank account. The method of claim 4,
Freelance service fee payment brokerage method, characterized in that the intern fee is subtracted from the service fee and remitted to the operator's escrow account.

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