KR20240008053A - Automatic Selection Card Payment System - Google Patents

Abstract

The present invention relates to a card payment system, which stores bin numbers assigned to all payment cards used in POS payment systems, wired and wireless card terminal payment systems, APP payment systems, electronic payment systems, and payment system readers. Establishing a bin number database, and automatically selecting a matching bin number from the bin number database when the bin number of a card is input from an affiliated store terminal, and connecting the payment system to the affiliated store terminal so that payment is processed through the payment system; A payment agency server including a VAN company and a PG company;, a card company server that issued a card; National Tax Service or Financial Supervisory Service server; A bank server for the merchant's main account where the merchant's credit card payment deposit account and the affiliated store's cash IC card payment deposit account are opened; Regarding a card payment system that includes a bank server of the user card main account where a user card payment account is opened, and allows payments to be made through or without going through each component of the card payment system depending on the type of card. It's an invention.

Description

Automatic Selection Card Payment System {Automatic Selection Card Payment System}

The present invention relates to a card payment system, where a bank identification number database is built into a card terminal, and when payment is requested from the card terminal, a bank identification number is automatically selected according to the card information confirmed at the time of payment, and the bank identification number database is embedded in the card terminal. A card payment system that automatically connects the payment system network based on empty numbers, but selectively connects payment agencies, card companies, and payment banks to reduce payment fees borne by affiliated stores and quickly pay payment amounts to affiliated stores. It's about.

As the method of paying for product purchases through cards such as credit cards and check cards has become more common, various types of cards are being issued, and the number of card merchants that allow cards to be used as a payment method is also increasing significantly.

The card payment system based on the use of these cards is a POS payment system and a card terminal payment system in which payment is made by connecting to the card company's network through the payment agency (value-added telecommunication service provider, VAN, and PG) network when an affiliated store requests payment with the user's card. It has been built and is widely used.

If a general card payment system is represented as a block diagram, as shown in Figure 1, an affiliated store POS terminal or card terminal (100), a payment agency (VAN/PG company) server (200), a card company server (300), and a National Tax Service server. It consists of (400), and the POS terminal or card terminal (100) of the affiliated store is equipped with a printer and a pin pad.

When payment information is generated from an affiliated store, the payment agency transmits it to the relevant card company. Payment is made by receiving payment availability information such as approval/theft/accident from the card company and transmitting it to the affiliated store.

In the payment process of the above-mentioned payment system, the card company charges a fee to the affiliated store and pays the payment amount to the affiliated store after a certain period of time (3 to 7 days), including a lump sum payment amount for pure check cards and other prepaid cards that cannot be paid in installments. is immediately withdrawn from the card user's linked bank account and deposited to the relevant card company, and for pure credit cards and other credit cards, a high rate of interest is included in the payment amount when making an installment purchase and is withdrawn from the card user's linked bank account.

In addition, in the POS and card terminal payment systems, the user's signature is omitted if the payment amount is less than 50,000 won, and the identity verification process is performed through a signature if the payment amount is more than 50,000 won.

In addition, cash IC cards and other tangible and intangible cards that can be withdrawn at ATMs cannot be used for payment through the POS payment system, and payments can be made with cash IC cards at card terminals. However, if the user presents the card at an affiliated store before payment, the card type can be visually identified. After checking, select the additional service button on the card terminal → select the cash button → select the cash IC payment service → select confirm → enter the card password on the pin pad, so the payment process is complicated and difficult, causing great inconvenience. There is a problem that pure check cards are difficult to discern with the naked eye.

In addition, for pure credit cards, pure check cards, and other credit cards made in POS and card terminal payment systems, it takes 3 to 7 days from the payment date for the payment amount to be deposited from the card company to the affiliated store, so the affiliated store must deposit the payment amount. Before receiving the payment, a problem arises in which the amount corresponding to the payment amount must be paid in separate funds to the provider of the goods or services being paid.

In addition, the check card for cash deposit and withdrawal made in the POS and card terminal payment system is processed through the network of the card company, and even though the card company withdraws cash immediately after payment and collects the card usage fee, the card company does not pay to the affiliated store. A fee equivalent to 0.8 to 4.5% of the amount (designated differently by the card company depending on sales and industry) is deducted, and payment is made approximately 3 to 7 days after the payment date, so the affiliated store must secure cash liquidity. Problems such as increasing dissatisfaction are occurring.

In order to solve the above-mentioned problem, a payment method and device using a cash card is known in Korean Patent Publication No. 10-2009-1654 as a prior art for card payment with a cash payment function, in which an affiliated store uses a "card" After reading the cash card information through the "terminal", this information and the password entered by the purchaser are encrypted and transmitted in a professional format pre-arranged with the VAN operator and payment agency. The VAN operator and payment agency have a prior agreement with the bank. The payment amount is withdrawn from the card user's bank account using an ordinary method, and an alternative deposit is processed to the affiliated store's bank account. The processing result is transmitted to the affiliated store's card terminal, and the affiliated store confirms the payment amount deposit details through the card terminal. Afterwards, the payment details are printed and provided to the card user. Through these payments, affiliated stores have the effect of reducing the merchant fees required by credit card companies for cards with a cash card function. In other words, check cards with cash payment functions and credit cards for both cash deposit and withdrawal are card payment systems, where the payment agency withdraws the payment amount from the user's bank account through an agreement with the user's bank and deposits it into the affiliated store's bank account, thereby providing POS and This is to reduce the card company's costs incurred during the payment processing process at the card terminal, thereby reducing merchant fees.

However, in the above-described prior art, cash IC cards with a cash payment function cannot be used, and card information must be read from the POS and card terminal to distinguish between various types of cards with a cash payment function, so the card type cannot be immediately determined. It is difficult to understand and is causing problems with card payments taking time.

As a result, payment is delayed for merchants with a large number of card payments. In particular, merchants in the restaurant business, such as restaurants with a large number of temporary users, sometimes make customers wait for a long time in the process of receiving payment after finishing a meal, so merchants that aim for customer satisfaction There is a problem with increasing complaints about the card payment system, and there is no function such as cancellation when processing customer returns, so it is practically unusable.

The present invention relates to a card payment system. Among the card numbers assigned to all commonly used cards, the BIN (Bank Identification Number, hereinafter referred to as 'bin number'), which designates the card brand and financial institution, is stored in the payment system. When the merchant enters the card number, the bin number of the payment system is automatically selected and connected, but the payment agency, card company, and payment bank can be selectively connected depending on the card type, shortening the merchant's payment collection period. The purpose is to establish a card payment system that can reduce the card fees charged by affiliated stores.

In order to solve the above-described problems, the present invention is specified in the card payment system, for all payment cards used on POS payment systems, wired and wireless card terminal payment systems, APP payment systems, electronic payment payment systems, and payment system readers. A bin number database is built by storing the bin number, and when the bin number of the card is entered from the affiliated store terminal, the matching bin number is automatically selected from the bin number database and payment is processed through the payment system. A terminal 100, a payment agency server 200 including a VAN company and a PG company, a card company server 300 that issued a card, a National Tax Service or Financial Supervisory Service server 400, and a card payment deposit account 500 of an affiliated store. It is formed including an affiliated store mother account bank server 800 where the merchant's cash IC card payment deposit account 600 is opened and a user card mother account bank server 700 where the user card payment account is opened, depending on the type of card. A card payment system is provided that allows payments to be made with or without going through each component of the card payment system.

The types of cards are bank credit card for cash deposit and withdrawal, bank check card for cash deposit and withdrawal, and cash IC card. These are all tangible and intangible cards issued by a bank and can be withdrawn at an ATM. The bank that issued the card is the affiliated store cash IC card deposit bank. In the same case, the affiliated store terminal 100 automatically selects the payment agency non-selection section 100b, and requests payment amount approval to the user card mother account bank server 700, which is the card issuing bank, through the payment agency non-selection section. Once approval is made, the user's mother account bank (700) deposits the card payment amount within 1 day into the merchant cash IC card payment deposit account (600) opened by the affiliated store, and transfers the card payment amount to the National Tax Service or the Financial Supervisory Service (400). ) to ensure that payment is processed.

And in the case of a bank-based pure credit card, a bank-based pure check card, a tangible and intangible pure credit card from a bank, a pure check card in a tangible and intangible form from a bank, and an industry-wide tangible and intangible card issued by a credit card company, the affiliated store terminal 100 automatically When the payment agency non-selection section 100b is selected and the payment amount is requested to be approved by the card company server 300 that issued the card through the payment agency non-selection section, the card company server 300 sends the information to the affiliated store. The card payment amount is deposited into the opened merchant card payment deposit account (500), and the card company server (300) notifies the National Tax Service or the Financial Supervisory Service (400) of the card payment amount to allow the payment to proceed.

In addition, it is a cash IC card, a credit card for both bank cash deposits and withdrawals, a check card for both bank cash deposits and withdrawals, and all types of cards that can be withdrawn at ATMs. Cash IC card payment accounts at affiliated stores are opened by the bank and the user's card is used to make payments using the bank card. If the banks are different, the affiliated store terminal 100 automatically selects the payment agency selection section 100a, requests payment amount approval to the payment agency server 200 through the payment agency selection section, and the payment agency server is connected to the affiliated store. Approval is requested from the main account bank server (800), and the affiliated store's main account bank requests approval from the user card's main account bank server (700) to proceed with the card payment. Before joining, the main account bank (800) requests the affiliated store card amount opened by the affiliated store. The card payment amount is deposited into the deposit account (500), and the affiliated store's mother account bank notifies the National Tax Service or the Financial Supervisory Service (400) of the card payment amount to proceed with the payment.

The present invention stores the bin number assigned to all types of cards in the payment system, checks the bin number at the affiliated store terminal, and selectively connects to the server included in the payment system according to the type of card, thereby collecting payment amount from the affiliated store. This has the effect of shortening the period and alleviating the burden of franchise fees.

In addition, by encouraging the use of cards with a cash payment function with low commission fees at affiliated stores and allowing users to spend within the limit of the cash they have, this has the effect of reducing credit transactions that incur high interest rates. .

Figure 1 is a diagram illustrating a payment system that is currently generally implemented.
Figure 2 shows a case where the cash IC card deposit bank of the affiliated store and the user card issuing bank according to the present invention are the same, and the bank-based cash deposit/withdrawal credit card, bank-based cash deposit/withdrawal check card, cash IC card, issued by the bank and issued at the ATM This is a diagram showing the payment system in the case of all tangible and intangible cards that allow withdrawals.
FIG. 3 is a diagram illustrating a payment method of the payment system of FIG. 2.
Figure 4 shows the payment system in the case of a bank pure credit card, a bank pure check card, a pure credit card in the tangible and intangible form of the banking system, a pure check card in the tangible and intangible form of the banking industry, and an all industry tangible and intangible card issued by a card company according to the present invention. This is a diagram.
FIG. 5 is a diagram illustrating a payment method of the payment system of FIG. 4.
Figure 6 shows a case where the cash IC card deposit bank and the user card of the affiliated store according to the present invention are different from bank cards, and the user card is a cash IC card, a bank-based cash deposit/withdrawal credit card, a bank-based cash deposit/withdrawal check card, and an ATM. This is a diagram showing the payment system for all tangible and intangible cards that allow withdrawal.
FIG. 7 is a diagram illustrating the payment method of the payment system of FIG. 6.

The present invention will be clarified by the preferred embodiments described below, but this embodiment is merely an example for illustrating the present invention, and is not intended to limit the scope of the present invention, and is not intended to limit the scope of the present invention, but is equivalent to the embodiments. It should be understood as including all technologies.

Hereinafter, preferred embodiments according to the present invention will be described in detail with reference to the attached drawings. In describing the embodiments of the present invention, the same names and symbols are used for components that correspond to the prior art.

The card payment system according to the present invention stores the bin number assigned to each card in all payment card terminals commonly used in POS payment systems, wired and wireless card terminal payment systems, APP payment systems, electronic payment payment systems, and payment system readers. Build a bin number database, and when a card is entered into the merchant's terminal, the card number is read, the matching bin number is automatically selected from the bin number database, and the payment process, such as approval, proceeds through the payment system. . As shown in FIGS. 2, 4, and 6, the card payment system includes a payment card input unit, a printer, and a pin pad in the affiliated store terminal 100, and a payment agency selection unit 100a and a payment agency non-selection unit ( 100b) and BIN database (DB) 100c, and a bank register (100d) that registers the bin number of the bank opening the cash IC card payment deposit account of the affiliated store and the bank opening the merchant card payment deposit account.

And the card payment system includes an affiliated store terminal 100; A payment agency server 200 including a VAN company and a PG company; a card company server 300 that issued a card; National Tax Service or Financial Supervisory Service server (400); an affiliated store main account bank server (800) in which the affiliated store's credit card payment deposit account (500) and the affiliated store's cash IC card payment deposit account (600) are opened; It is formed by including a user card master account bank server 700 where a user card payment account is opened, and allows payment to be made through or without each component of the card payment system depending on the type of card.

To explain the payment process of the card payment system according to the present invention, when a card is entered into the affiliated store terminal 100, the card information is automatically read and the corresponding bin number is automatically selected from the bin number database 100c. do.

Then, the payment agency selection unit 100a or the payment agency non-selection unit 100b is selected according to the BIN number of the card, and payment is made with or without the payment event server 200 and the card company server 300. Below, the payment system and payment process are explained in detail for each card type according to BIN number.

<Bank-based cash deposit/withdrawal credit card, bank-based cash deposit/withdrawal check card, cash IC card, a tangible and intangible card issued by a bank and capable of being withdrawn at an ATM, the same bank card as the bank with which the affiliated store's cash IC card payment account is opened>

When a card is entered into the affiliated store terminal 100, the card number including the bin number of the card is read, the card information is confirmed, and a matching bin number is automatically selected from the bin number stored in the bin number database 100c of the payment system. Select .

If the automatically selected bin number corresponds to a bank-based cash deposit/withdrawal credit card, a bank-based cash deposit/withdrawal check card, a cash IC card, or any tangible or intangible card issued by a bank and capable of being withdrawn from an ATM, it is registered in the bank register (100d). Determine whether the bank where the merchant cash IC card payment is deposited and the bank that issued the card are the same.

If the affiliated store's cash IC card payment deposit bank and the bank that issued the user card are the same, for example, if the cash IC card payment deposit bank designated by the affiliated store is Woori Bank and the bank that issued the user card is Woori Bank, as shown in Figure 2 Likewise, the affiliated store terminal 100 automatically selects the payment agency non-selection section 100b, requests approval of the payment amount from the user card mother account bank server 700, which is the card issuing bank, and approves it through the payment agency non-selection section. Once this is done, the card payment is completed, and the user's mother account bank (700) deposits the card payment amount into the merchant cash IC card payment deposit account (600) opened by the affiliated store within 1 day, and the user's card mother account bank deposits the card payment amount. The payment will be processed by notifying the National Tax Service or the Financial Supervisory Service (400).

As shown in FIG. 3, the card payment process includes a card information identification step (S1) of reading the blank number of the card entered into the affiliated store terminal 100; A bin number selection step (S2) of selecting a bin number that matches the bin number database (100c) of the affiliated store terminal from the identified card information; Card type identification step (S3) to determine whether the selected bin number is a bank credit card, a bank check card, a cash IC card, or any tangible or intangible card issued by a bank that can be withdrawn from an ATM. and; A bank identification step (S4) that determines whether the bank issuing the card from the selected bin number and the bank where the cash IC card payment deposit account of the affiliated store registered in the bank register is opened are the same; If the card issuing bank and the bank where the affiliated store's cash IC card payment account is opened are the same, the payment agency selection step (S5) of proceeding with payment by selecting the payment agency non-selection section (100b); A payment request/approval step (S6) of requesting and approving payment approval from the user card mother account bank (700) that issued the card through the non-selection department of the selected payment agency; A payment amount payment step (S7) in which the payment amount is transferred from the user card mother account bank to the affiliated store cash IC card payment deposit account; The payment amount is notified to the National Tax Service or the Financial Supervisory Service by the user card's main account bank, including the payment amount notification step (S8).

In the card terminal 100, it corresponds to a credit card for both bank cash deposit and withdrawal, a check card for both bank cash deposit and withdrawal, and a cash IC card, all types of tangible and intangible cards issued by a bank and capable of being withdrawn from an ATM, but can be used with an affiliated store cash IC card deposit bank and If the bank that issued the card is not the same, the payment agency selection unit 100a is automatically selected, and as shown in Figure 1, the payment agency server 200, the card company server 300, the merchant deposit account opening bank server, Payment is processed through the National Tax Service server, and deposits and notifications are made.

If the payment amount is less than the special amount agreed upon with the card company, the payment amount approval request will be processed even if the signature and password input process is omitted. If the payment amount is more than the special amount, the card holder's signature and password will be requested through the pin pad provided at the merchant terminal. The request for approval of the payment amount must be entered and verified. The number of times the password must be entered is set to 5 to allow re-entry, but the number of times the password can be re-entered can be adjusted at the merchant's payment system terminal.

To cancel a payment, as with a general card payment, enter the authorization number approved by the user's card mother account bank into the affiliated store terminal 100. The payment approved amount is displayed on the affiliated store terminal. If it is less than the special contract amount, the payment approved amount is checked. Click the Cancel Approval button to cancel the payment. If the cancellation amount is more than the special contract amount, enter the signature used at the time of payment, check the approved payment amount, and click the Cancel Approval button to cancel the payment.

Through the above-described payment process, card payments can be made directly from the user's card mother account bank without going through the payment agency server 200 and the card company server 300 network, so the merchant can collect the payment amount within 1 day from the date of payment. Additionally, this will have the effect of lowering commission fees to about 0.7% of the payment amount for self-employed franchisees and to about 1.0% for corporate businesses.

In addition, in order to reduce the burden of fees, affiliated stores encourage users to use cash cards such as cash IC cards and check cards to pay for cash held in the bank, which has the effect of suppressing credit transactions and alleviating the interest burden on card users. .

<Bank-based pure credit card, bank-based pure check card, bank-based pure credit card in tangible and intangible form, bank-based pure check card in tangible and intangible form, all industry-wide tangible and intangible cards issued by credit card companies>

When a card is entered into the affiliated store terminal 100, the card number including the bin number of the card is read, the card information is confirmed, and a matching bin number is automatically selected from the bin number stored in the bin number database 100c of the payment system. Select .

If the automatically selected bin number corresponds to a bank-related pure credit card, a bank-related pure check card, a tangible or intangible pure credit card from a bank, a pure check card in a tangible or intangible form from a bank, or an all-industry tangible or intangible card issued by a credit card company, As shown in Figure 4, the affiliated store terminal 100 automatically selects the payment agency non-selection section 100b and requests payment amount approval from the card company server 300 that issued the card through the payment agency non-selection section. , Once approval is achieved, the card payment is completed, and the card company server (300) deposits the card payment amount into the merchant card payment deposit account (500) opened by the affiliated store, and the card company server (300) transfers the card payment amount to the National Tax Service or financial institutions. Payment is made by notifying the Supervisory Service (400).

As shown in FIG. 5, the card payment process includes a card information acquisition step (S1) of reading the blank number of the card entered into the affiliated store terminal 100; A bin number selection step (S2) of selecting a bin number that matches the bin number database (100c) of the affiliated store terminal from the identified card information; Card type identification step to determine whether the selected bin number is a bank-based pure credit card, a bank-based pure check card, a tangible and intangible pure credit card from the banking industry, a tangible and intangible pure check card from the banking industry, and a tangible and intangible card from all industries issued by a credit card company. (S3) and; If it is determined that the card corresponds to the card, a payment agency selection step (S4) of selecting the payment agency non-selection section (100b) to proceed with payment; A payment request/approval step (S5) of requesting and approving payment approval from the card company server 300 that issued the card through the non-selection section of the selected payment agency; A payment amount payment step (S6) in which the card company transfers the payment amount to the affiliated store's card payment deposit account; The process includes a payment amount notification step (S7) in which the payment amount is notified from the card company server to the National Tax Service server or the Financial Supervisory Service server.

If the payment amount is less than the special amount agreed upon with the card company, the payment amount approval request will be processed even if the signature and password input process is omitted. If the payment amount is more than the special amount, the card holder's signature and password will be requested through the pin pad provided at the merchant terminal. The request for approval of the payment amount must be entered and verified. The number of times the password must be entered is set to 5 to allow re-entry, but the number of times the password can be re-entered can be adjusted at the merchant's payment system terminal.

To cancel a payment, as with a general card payment, enter the authorization number approved by the user's card mother account bank into the affiliated store terminal 100. The payment approved amount is displayed on the affiliated store terminal. If it is less than the special contract amount, the payment approved amount is checked. Click the Cancel Approval button to cancel the payment. If the cancellation amount is more than the special contract amount, enter the signature used for payment, check the approved payment amount, and click the Cancel Approval button to cancel the payment.

By allowing card payments to be made directly from the card company without going through the payment agency server 200 through the above-described payment process, the affiliated store can collect the payment amount within 1 day from the payment date, and the individual business affiliated store can collect the current fee. This has the effect of lowering the payment amount to about 0.7%, or 1.0% for corporate businesses.

100: Merchant terminal 200: Payment agency server
300: Card company server 400: National Tax Service/Financial Supervisory Service server
500: Merchant card payment deposit account bank server
600: Merchant cash IC card payment deposit account bank server
700: User card master account bank server
800: Affiliate store main account bank server
100a: Payment agency selection section 100b: Payment agency non-selection section
100c: BIN DB 100d: Bank register

Claims (1)

In the card payment system,
Build a bin number database by storing bin numbers assigned to all payment cards used in POS payment systems, wired and wireless card terminal payment systems, APP payment systems, electronic payment systems, and payment system readers,
When the bin number of the card is entered from the merchant terminal, the matching bin number is automatically selected from the bin number database and payment is processed through the payment system.
The payment system includes an affiliated store terminal 100; A payment agency server 200 including a VAN company and a PG company; a card company server 300 that issued a card; National Tax Service or Financial Supervisory Service server (400); an affiliated store main account bank server (800) in which the affiliated store's credit card payment deposit account (500) and the affiliated store's cash IC card payment deposit account (600) are opened; It is formed including a user card master account bank server 700 where a user card payment account is opened,
A card payment system characterized in that payment is made through or without going through each component of the card payment system depending on the type of card.