WO2011093630A2

WO2011093630A2 - Payment service method and a system for the same

Info

Publication number: WO2011093630A2
Application number: PCT/KR2011/000506
Authority: WO
Inventors: 성기윤
Original assignee: 비씨카드 주식회사
Priority date: 2010-02-01
Filing date: 2011-01-25
Publication date: 2011-08-04
Also published as: KR20110089718A; WO2011093630A3

Abstract

The present invention relates to a payment service method, and more specifically, to a person-to-person payment method based on a deferred payment scheme, the method comprising the steps of: in a gateway server, receiving from a payer a request for the payment of a specific amount to a payee; in the gateway server, requesting a deferred payment means from the payer to pay the specific amount to a first affiliated store, in which the deferred payment means has a payment settlement account as a first banking server where the first affiliated store also has opened an account; in the first banking server, performing a payment approval process through the deferred payment means of the payer for the specific amount requested to be paid, and performing a minus loan approval process with the deferred payment means of the first affiliated store as much as the specific amount requested to be paid; in the gateway server, requesting a second banking server to pay the specific amount through a deferred payment means of the payee who has the second banking server as a payment settlement account; in the second banking server, performing a payment approval process for the specific amount requested to be paid through a deferred payment means of a second affiliated store of the gateway server which has been opened at the second banking server, and performing a minus load approval process with the deferred payment means of the payee; in the first banking server, withdrawing the specific amount through the payment settlement account of the payer on a payment due date of the deferred payment means of the payer; in the first banking server, depositing the specific amount having been withdrawn to the gateway server on a payment due date of the gateway deferred payment means of the first affiliated store; in the second banking server, withdrawing the specific amount from the payment settlement account of the gateway deferred payment means of the second affiliated store on a payment due date of the gateway deferred payment means of the second affiliated store; and in the second banking server, depositing the specific amount to the payment settlement account of the payee for the minus load on a payment due date of the deferred payment means of the payee.

Description

Payment service method and system for him

The present invention relates to a payment service method, and a payment service method and a system therefor, in particular, when a payer and a payee each make a transaction through a different financial institution.

In general, when the payer and the payee each trade through different financial institutions, there is a problem in that a separate fee must be paid in order to close the transaction.

For example, firstly, the payer can settle the payment through credit card payment and deposit it to the payee after the merchant opened by the payment gate. Secondly, there is a method of depositing the credit card payment amount of the payer to the beneficiary bank through the inter-bank payment system and deducting the payee card charge or depositing it into the account upon request of the payee.

However, in the above-mentioned methods, if the payer and the payee's card company are different, the payer's card company is inconvenient to pay the credit card to the payee's card company. There is a problem in that financial costs are incurred at the payer's card company. In addition, the banking fee is charged to the merchant as a card transaction fee, and the payer or the recipient pays for the payment between individuals, which impedes the activation of the transaction.

An object of the present invention is to provide a payment service method and a system therefor for relaying a transaction when the payer and the payee make a transaction through different financial institutions.

According to an aspect of the present invention, a relay server receives a request for payment of a specific amount from a payer to a payee, wherein the relay server specifies the postpay payment means of the payer whose payment account is the first financial server. Requesting a payment to a first relay affiliated store of the relay server, the amount of which is opened in the first financial server, and the first financial server performing a sales approval process through the postpay payment means of the payer for the specific amount requested for payment; And performing a negative sales approval process to the postpaid relay payment means of the first relay merchant by the specific amount requested for the payment, wherein the relay server makes the payment account as the second financial server to the second financial server. Requesting payment of the specific amount through a postpay payment method of the second finance; The server performs a sales approval process by the postpaid relay payment means of the second relay merchant of the relay server, which is opened in the second financial server, for the specific amount requested for payment, and the postpay payment means of the payee for the specific amount. Performing negative sales approval processing, the first financial server withdrawing the specific amount through the payer's payment account at the payer's postpay payment method settlement date, and the first financial server relays the postpaid payment of the first relay merchant Depositing the withdrawal amount to the relay server on a payment method settlement date, and the second financial server receives a payment account of the postpay relay payment method of the second relay merchant on the payment method of the postpaid relay payment method of the second relay merchant; Withdrawing the specific amount and the second financial server Post-payment method of the payee provides a post-pay individual-based payment method comprising the step of depositing a specific amount for the negative sales to the payee's payment account on the payment date.

In addition, the present invention for achieving the above object, and performs the sales approval process for the specific amount requested to be paid from the payer through the payer's postpay payment means, and the first relay affiliated store as much as the specific amount requested for payment; Perform a negative sales approval process with the postpay relay payment method of the withdrawal, withdraw the specific amount through the payer's payment account on the payer's postpay payment method's payment date, and withdraw the payment with the postpay relay's payment method with the first relay merchant; A first financial server for depositing the specific amount of money to the relay server, and a sales approval process is performed by a postpaid relay payment means of a second relay member of the relay server opened in the second financial server with respect to the specific amount requested for payment. And negative for the specified amount by the recipient's postpay payment method. Perform a sales approval process, withdraw the specific amount from the payment account of the postpaid relay payment means of the second relay merchant on the payment day of the postpaid relay payment means of the second relay merchant; The second financial server for depositing a specific amount of sales to the paying account of the payee; and the payer postpay payment means for receiving the payment from the payer to the payee and making the payment account as the first financial server. The payment of the specified amount of money through the postpay payment means of the payee, wherein the payment request is made to the first relay merchant of the relay server opened in the first financial server, and the payment account is set to the second financial server. Request that the first financial institution pay the deferred payment method of the payer; Provide a payment system which comprises receiving deposit withdrawals above a certain amount through the payment account of the payer, including the relay server that is credited to the payee's payment account.

As described above, the payment service method and the system therefor according to an embodiment of the present invention, by relaying the transactions of the payer and the recipient, respectively, through different financial institutions, to prevent the collection of unnecessary fees to the user Reduce the burden and build a new P2P payment and settlement system.

1 is a block diagram schematically showing the configuration of a payment system according to an embodiment of the present invention,

2 is a block diagram schematically showing a relay server configuration of a payment system according to an embodiment of the present invention;

3 is a view for explaining a postpay-based personal payment service method between different financial institutions according to an embodiment of the present invention.

Other objects, features and advantages of the present invention will become apparent from the following detailed description of embodiments taken in conjunction with the accompanying drawings.

Hereinafter, with reference to the accompanying drawings, preferred embodiments of the present invention that can specifically realize the above object will be described. At this time, the configuration and operation of the present invention shown in the drawings and described by it will be described as at least one embodiment, by which the technical spirit of the present invention and its core configuration and operation is not limited.

The terms used in the present invention have been selected as widely used general terms as possible in consideration of the functions in the present invention, but may vary according to the intention or custom of the person skilled in the art, the emergence of new technologies, and the like. In addition, in certain cases, there is also a term arbitrarily selected by the applicant, in which case the meaning will be described in detail in the description of the invention. Therefore, it is intended that the terms used in the present invention should be defined based on the meanings of the terms and the general contents of the present invention, rather than simply the names of the terms.

Throughout this specification, the financial server refers to an institution that relays the supply and demand between the demand and supplier of the currency in the financial market. That is, throughout the present specification, the financial server may broker a financial transaction between the payer and the payee.

Throughout this specification, a postpay payment means is to purchase a service or a product without spending cash on-site, and to pay the price related to the said purchase later. The postpaid payment means may be implemented by a credit card, a mobile card, a mobile phone payment. Accordingly, a description will be given of a post-payment settlement based payment service method and a system therefor, which are made between different financial institutions according to an embodiment of the present invention by limiting the credit card to one of the postpay payment means.

Established throughout this specification means an act of linking a payment means such as an account number for a financial transaction by a payer or a payee. For example, the payer and the payee may be issued a specific account and card through a financial institution or a financial server. In this case, the act of receiving an account and a card associated with the payer and the payee is called opening. Therefore, according to an embodiment of the present invention, when a sale occurs in a specific affiliate store through a postpaid payment means, the specific financial institution may pay the affiliate store the amount corresponding to the sale. The financial server may receive an amount corresponding to the sales from a customer (for example, a payer and a payee) on a specific settlement date. In this case, the amount of money deposited from the customer may further include a portion of the fee.

1 is a block diagram schematically showing the configuration of a payment system according to an embodiment of the present invention.

As shown in FIG. 1, a payment system according to an embodiment of the present invention may provide a payment service made between different financial institutions. As shown in FIG. 1, a payment system according to an embodiment of the present invention may include a first financial server 110, a relay server 120, and a second financial server 130.

The first financial server 110 may issue a financial account or card associated with the payer. The payer may include a user who uses a postpaid payment means (ie, a credit card) issued by the first financial server. That is, the first financial server 110 may perform authorization processing and management for the credit card owned by the payer. The first financial server 110 requests the payment to the relay server 120 to pay a specific amount of money to the payee, and thus the sales approval process is performed through the payer's credit card for the specific amount requested for payment. Can be done. In addition, the first financial server 110 may perform a negative sales approval process by using the first relay card of the first relay member with the specific amount requested for payment from the payer to the relay server 120. In this case, the first relay affiliated store may include an affiliated store opened by the relay server 120 in the first financial server 110. In addition, the first financial server 110 may withdraw the specific amount through the payment account of the payer on the payment date of the credit card of the payer. Then, the first financial server 110 may deposit the withdrawal specific amount to the relay server on the first relay card settlement date of the first relay merchant. In this case, the postpay payment means opened through the first financial server 110 may further include a mobile card and a mobile phone payment, in addition to the credit card.

The relay server 120 may receive a payment request for a specific amount of money from the payer. In addition, the relay server 120 may request a payment of the specific amount of money using a credit card of the payer who owns the payment account of the first financial server 110 to the first relay merchant. In addition, the relay server 120 may request payment of a specific amount to the second financial server 130 by using a credit card of a payee whose payment account is the second financial server 130. In addition, the relay server 120 may receive the specific amount of money withdrawn from the relay card payment date of the first relay member, and the first financial server 110 may deposit money into the payment account of the payee. In this case, the payment date of the credit card payment of the payer and the payee may be the same day. In addition, the payment date of the postpaid relay payment means of the first relay member and the postpaid relay payment method of the second relay merchant may be the same day. In addition, the amount withdrawn from the payment account of the payer and deposited in the relay server 120 may further include a fee, in addition to the specific amount requested for payment. The fee may be an amount corresponding to a predetermined ratio of the specific amount.

The second financial server 130 may issue a financial account or card associated with the payee. The payee may include a postpay payment means user issued by the second financial server. That is, the second financial server 130 may perform authorization processing and management of the credit card owned by the payer. In addition, the second financial server 130 may receive a payment request of the specific amount using the recipient's credit card from the relay server 120. The second financial server 130 performs a sales approval process on the second relay card of the second relay member of the relay server 120 opened in the second financial server 130 with respect to the specific amount requested for payment. Can be done. In this case, the second relay affiliated store may include an affiliated store opened by the relay server 120 in the second financial server 130. At the same time, the second financial server 130 may perform a negative sales approval process for the specific amount as the postpay payment means of the payee. Subsequently, when the amount deposited in the relay server 120 is transferred through the first financial server 110, the second financial server 130 may set the second relay card on the second relay card settlement date of the second relay affiliated store. The specific amount of money may be withdrawn from the second relay card settlement account of the relay merchant. Accordingly, the second financial server may deposit a specific amount of the negative sales into the payment account of the payee on the payment date of the credit card of the payee.

As described above, according to an embodiment of the present invention, a number of different financial institutions can provide financial services provided through different interfaces through a standard interface provided by a relay server through a single unified interface. have.

In addition, according to an embodiment of the present invention, it is possible to elastically process the payment amount of the payer, there is an advantage that can reduce the financial burden of a specific financial server.

2 is a flowchart schematically illustrating a payment service method according to an embodiment of the present invention.

As shown in FIG. 2, the payment service method according to an embodiment of the present invention may be performed through a postpaid payment method through a first financial server, a second financial server, and a specific relay server.

First, the relay server 120 may receive a payment request for a specific amount from the payer, and may request a payment to the first relay merchant using a credit card owned by the payer [S210, S220]. That is, the relay server 120 may receive a payment request of a specific amount for the payee from the payer. In addition, the relay server 120 may request a payment of the specific amount to the first relay merchant using a credit card of the payer who owns the payment account of the first financial server 110.

Accordingly, the first financial server may process the sales approval through the credit card that is the payer, and process the negative sales approval with the first relay merchant relay card [S230]. That is, the first financial server 110 may process the credit card authorization of the payer. At the same time, the specific amount of money may be negatively processed by the first relay card using the first relay card. In this case, since the payment amount to the first relay affiliate store of the first financial server 110 becomes '0', the financial burden of the first financial server 110 does not occur.

Subsequently, when the relay server 120 requests payment of a specific amount through the payee credit card, the second financial server 130 processes the sales approval with the relay card of the second relay merchant, A credit card may process negative sales authorization for the specific amount [S240, S250]. That is, the relay server 120 may request the second financial server 130 for the specific amount using the second relay card. Then, the second financial server 130 may approve the corresponding amount to the second relay member using the second relay card. At the same time, the second financial server 130 may process a negative sales approval of the specific amount with a recipient credit card at the second relay merchant. In this case, since the payment amount to the second relay affiliated store becomes '0', the second financial server 130 does not generate a financial burden.

In addition, the first financial server 110 may withdraw a specific amount from the payer payment account on the payment date of the payer credit card, and deposit a specific amount to the relay server on the payment card of the first relay merchant [S260, S270]. . That is, the first financial server 110 may receive the payment price on the credit card payment date of the payer. In addition, the first financial server 110 may deposit money for the negative sales of the first relay card on the first relay card settlement date. In this case, the payment date of the credit card payment of the payer and the payee may be the same day. In addition, the payment date of the postpaid relay payment means of the first relay member and the postpaid relay payment method of the second relay merchant may be the same day. In addition, the amount withdrawn from the payment account of the payer and deposited in the relay server 120 may further include a fee, in addition to the specific amount requested for payment. The fee may be an amount corresponding to a predetermined ratio of the specific amount.

Then, the second financial server 130 withdraws a certain amount from the second relay merchant card payment account on the relay card settlement day of the second relay merchant, and the specific amount for the negative sales on the recipient credit card settlement date It may be deposited into the payment account of the payee [S280, S290]. The second financial server 130 may receive the second relay card payment price on the second relay card payment date. The second financial server 130 may deposit a payment amount for the negative sales on the payment date of the payee credit card.

As described above, the payment service method according to an embodiment of the present invention, by depositing the payment amount of the second relay card using the money received for the negative sales of the first relay card, the relay server 120 of the It can reduce the financial burden.

In addition, the payment date and payment date of the credit card and the first and second relay card of the payer and the payee may be modified in any form according to the payment date of the credit card set by the payer, the payee and the relay server operator. Can be implemented.

As shown in Figure 3, the payment service method according to an embodiment of the present invention is made between different financial institutions, it may be made based on the postpay payment means. The postpaid payment means is to purchase a service or a product without spending cash on-site, and to pay later for the purchase. The postpaid payment means may be implemented by a credit card, a mobile card, a mobile phone payment.

First, the relay server 330 may receive a payment request for a specific amount from the payer terminal 310. That is, the relay server 330 may receive a payment request of a specific amount for the payee from the payer terminal 310.

Then, the relay server 330 may request a payment to the first relay affiliated store 342 by using the credit card 341 owned by the payer. In this case, the first relay affiliated store 342 may be an affiliated store opened by the relay server 330 in the first financial server 340 which is a paying bank.

Accordingly, the first financial server 340 processes the sales approval through the payer credit card 341 and grants the negative sales approval to the first relay card 343, which is the relay card of the first relay merchant 342. Can be processed. That is, the first financial server 340 may process the authorization using the payer's credit card 341. At the same time, the specific amount of money may be negatively approved by the first relay card 342 using the first relay card 343. In this case, since the payment amount to the first relay affiliate store 342 of the first financial server 340 becomes '0', the financial burden of the first financial server 340 does not occur.

Thereafter, the relay server 330 may request payment of the specific amount through the payee credit card 353. Then, the second financial server 350 may process the sales approval using the second relay card 351 which is the relay card of the second relay affiliated store 352. At the same time, the second financial server 350 may process the negative sales approval for the specific amount using the payee's credit card 353. In this case, since the payment amount to the second relay affiliated store becomes '0', the second financial server 350 does not incur a burden on the relay server 330.

In addition, the first financial server 340 may withdraw a specific amount from the payer payment account on the payment date of the payer credit card 341. Thereafter, the first financial server 340 may deposit a specific amount to the relay server 330 on the settlement date of the first relay card 341, which is the relay card of the first relay merchant 342. That is, the first financial server 340 may receive the payment price on the payment date of the payer credit card 341. In addition, the first financial server 340 may deposit money for the negative sales of the first relay card 343 on the payment date of the first relay card 343. In this case, the payment date of the payer credit card 341 and the payee credit card 353 may be the same day. In addition, the payment date of the postpaid relay payment means of the first relay member and the postpaid relay payment method of the second relay merchant may be the same day. In addition, the amount withdrawn from the payment account of the payer and deposited in the relay server 330 may further include a fee, in addition to the specific amount requested for payment. The fee may be an amount corresponding to a predetermined ratio of the specific amount.

Then, the second financial server 350 withdraws a certain amount from the payment account of the second relay card 351 on the settlement date of the second relay card 351 which is the relay card of the second relay merchant 352. Can be. The second financial server 350 may deposit a specific amount of negative sales into the payment account of the payee on the payment date of the payee credit card 353. The second financial server 350 may receive the payment price of the second relay card 351 on the payment date of the second relay card 351. The second financial server 350 may deposit a payment for the negative sales on the payment date of the payee credit card 353.

As described above, the payment service method according to an embodiment of the present invention, by processing a financial service provided through a different interface in a plurality of different financial institutions through a single interface provided by the relay server, a specific bank It has the advantage of eliminating the financial burden on payments and flexibly approving the payment amount of the payer.

Although specific embodiments of the present invention have been described with reference to the drawings, this is intended to be easily understood by those of ordinary skill in the art, and is not intended to limit the technical spirit of the present invention. Therefore, the technical scope of the present invention is determined by the matters described in the claims, and the embodiments described with reference to the drawings may be modified or modified as much as possible within the technical spirit and scope of the present invention.

Claims

The relay server receiving a request for payment of a specific amount from the payer to the payee;

Requesting, by the relay server, a payment to a first relay merchant of the relay server which opens the specific amount in the first financial server by a postpay payment means of the payer whose payment account is the first financial server;

The first financial server performs a sales approval process through the postpay payment means of the payer with respect to the specific amount requested for payment, and approves the negative sales to the postpay relay payment means of the first relay merchant by the specific amount requested for the payment. Performing a process;

Requesting, by the relay server, the payment of the specific amount to the second financial server through the postpay payment means of the payee whose payment account is the second financial server;

The second financial server performs a sales approval process on the postpaid relay payment means of the second relay affiliated store of the relay server, which is opened in the second financial server, for the specific amount requested for payment, and the postpay payment means of the payee. Performing negative sales approval processing on a specific amount;

Withdrawing the specific amount by the first financial server through the payment account of the payer on the payment date of the payer;

Depositing, by the first financial server, the specific amount withdrawn to the relay server on the postpaid relay payment method settlement date of the first relay merchant;

Withdrawing, by the second financial server, the specific amount from the payment account of the postpaid relay payment means of the second relay merchant on the payment date of the postpaid relay payment means of the second relay merchant; And

And the second financial server depositing a specific amount of the negative sales into the payment account of the payee on the payment date of the payee's postpay payment means.
The method of claim 1,

The postpay payment means is a payment service method characterized in that it comprises at least one of credit card, mobile card and mobile phone payment.
The method of claim 1,

The payment service method of the first post-payment relay payment means of the first affiliated merchant and the second post-payment payment method of the payment means of the merchant are the same day.
The method of claim 1,

The amount of money withdrawn from the payment account of the payer comprises a specific amount of the payment request and a fee corresponding to a predetermined ratio of the specific amount.
Perform a sales approval process for the specific amount requested by the payer through the postpay payment means of the payer, and perform a negative sales approval process to the postpaid relay payment means of the first relay merchant by the specific amount requested for the payment; And withdrawing the specific amount of money through the payer's payment account on the payment date of the payer of the payer and depositing the withdrawal amount on the payment server on the postpayment method of payment of the first relay merchant to the relay server. Financial server;

Receiving the payment of the specific amount requested to the second financial server established in the second financial server, the payment authorization means of the post-payment relay payment means, and the postpay payment means of the payee minus the specific amount Perform a sales approval process, withdraw the specific amount from the payment account of the postpaid relay payment means of the second relay merchant on the payment day of the postpaid relay payment means of the second relay merchant; A second financial server for depositing a specific amount of sales into the payment account of the payee; And

Receives a request for payment of a specific amount from the payer to the payee and sends it to the first relay merchant of the relay server which opens the specific amount on the first financial server as a postpay payment means of the payer whose payment account is the first financial server. Request a payment, requesting payment of the specified amount through a postpay payment means of the payee having a payment account as a second finance server to the second financial server, and wherein the first financial institution sends the And a relay server which receives the specific amount withdrawn through the payer's payment account and deposits the money into the payee's payment account.
The method of claim 5,

The postpay payment means is a payment system, characterized in that it comprises at least one of the payment card, mobile card and mobile phone.
The method of claim 5,

The payment date of the postpay relay payment means of the first relay merchant and the postpay relay payment means settlement date of the second relay merchant is the same day.
The method of claim 5, wherein the first financial server

The payment system, characterized in that withdrawal from the payer account of the payment amount including the specific amount requested payment and a fee corresponding to a predetermined ratio of the specific amount.