WO2011093630A2 - Procédé de service de paiement et système correspondant - Google Patents

Procédé de service de paiement et système correspondant Download PDF

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Publication number
WO2011093630A2
WO2011093630A2 PCT/KR2011/000506 KR2011000506W WO2011093630A2 WO 2011093630 A2 WO2011093630 A2 WO 2011093630A2 KR 2011000506 W KR2011000506 W KR 2011000506W WO 2011093630 A2 WO2011093630 A2 WO 2011093630A2
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WO
WIPO (PCT)
Prior art keywords
payment
relay
specific amount
server
payer
Prior art date
Application number
PCT/KR2011/000506
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English (en)
Korean (ko)
Other versions
WO2011093630A3 (fr
Inventor
성기윤
Original Assignee
비씨카드 주식회사
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
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Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Publication of WO2011093630A2 publication Critical patent/WO2011093630A2/fr
Publication of WO2011093630A3 publication Critical patent/WO2011093630A3/fr

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Classifications

    • F—MECHANICAL ENGINEERING; LIGHTING; HEATING; WEAPONS; BLASTING
    • F21—LIGHTING
    • F21V—FUNCTIONAL FEATURES OR DETAILS OF LIGHTING DEVICES OR SYSTEMS THEREOF; STRUCTURAL COMBINATIONS OF LIGHTING DEVICES WITH OTHER ARTICLES, NOT OTHERWISE PROVIDED FOR
    • F21V21/00—Supporting, suspending, or attaching arrangements for lighting devices; Hand grips
    • F21V21/14—Adjustable mountings
    • F21V21/16—Adjustable mountings using wires or cords
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/14—Payment architectures specially adapted for billing systems
    • F—MECHANICAL ENGINEERING; LIGHTING; HEATING; WEAPONS; BLASTING
    • F21—LIGHTING
    • F21V—FUNCTIONAL FEATURES OR DETAILS OF LIGHTING DEVICES OR SYSTEMS THEREOF; STRUCTURAL COMBINATIONS OF LIGHTING DEVICES WITH OTHER ARTICLES, NOT OTHERWISE PROVIDED FOR
    • F21V21/00—Supporting, suspending, or attaching arrangements for lighting devices; Hand grips
    • F21V21/14—Adjustable mountings
    • F21V21/15—Adjustable mountings specially adapted for power operation, e.g. by remote control
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G—PHYSICS
    • G21—NUCLEAR PHYSICS; NUCLEAR ENGINEERING
    • G21C—NUCLEAR REACTORS
    • G21C19/00—Arrangements for treating, for handling, or for facilitating the handling of, fuel or other materials which are used within the reactor, e.g. within its pressure vessel
    • G21C19/02—Details of handling arrangements
    • G21C19/06—Magazines for holding fuel elements or control elements
    • Y—GENERAL TAGGING OF NEW TECHNOLOGICAL DEVELOPMENTS; GENERAL TAGGING OF CROSS-SECTIONAL TECHNOLOGIES SPANNING OVER SEVERAL SECTIONS OF THE IPC; TECHNICAL SUBJECTS COVERED BY FORMER USPC CROSS-REFERENCE ART COLLECTIONS [XRACs] AND DIGESTS
    • Y02—TECHNOLOGIES OR APPLICATIONS FOR MITIGATION OR ADAPTATION AGAINST CLIMATE CHANGE
    • Y02E—REDUCTION OF GREENHOUSE GAS [GHG] EMISSIONS, RELATED TO ENERGY GENERATION, TRANSMISSION OR DISTRIBUTION
    • Y02E30/00—Energy generation of nuclear origin
    • Y02E30/30—Nuclear fission reactors

Definitions

  • 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.
  • the payer can settle the payment through credit card payment and deposit it to the payee after the merchant opened by the payment gate.
  • the payer's card company is inconvenient to pay the credit card to the payee's card company.
  • financial costs are incurred at the payer's card company.
  • 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.
  • 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.
  • 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.
  • 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;
  • 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.
  • 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.
  • the payment service method and the system therefor 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.
  • FIG. 1 is a block diagram schematically showing the configuration of a payment system according to an embodiment of the present invention
  • FIG. 2 is a block diagram schematically showing a relay server configuration of a payment system according to an embodiment of the present invention
  • FIG. 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.
  • 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.
  • 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.
  • a payment means such as an account number for a financial transaction by a payer or a payee.
  • the payer and the payee may be issued a specific account and card through a financial institution or a financial server.
  • 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.
  • FIG. 1 is a block diagram schematically showing the configuration of a payment system according to an embodiment of the present invention.
  • a payment system may provide a payment service made between different financial institutions.
  • 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.
  • 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.
  • the first relay affiliated store may include an affiliated store opened by the relay server 120 in the first financial server 110.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment date of the credit card payment of the payer and the payee may be the same day.
  • 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.
  • 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.
  • 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.
  • the second relay affiliated store may include an affiliated store opened by the relay server 120 in the second financial server 130.
  • 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.
  • 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.
  • FIG. 2 is a flowchart schematically illustrating a payment service method according to an embodiment of the present invention.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment service method 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.
  • 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.
  • FIG. 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.
  • the payment service method 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the relay server 330 may request payment of the specific amount through the payee credit card 353.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • 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.
  • the payment service method 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.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
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  • General Business, Economics & Management (AREA)
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  • Computer Security & Cryptography (AREA)
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  • High Energy & Nuclear Physics (AREA)
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Abstract

La présente invention concerne un procédé de service de paiement, et plus particulièrement, un procédé de paiement de personne à personne selon un mécanisme de paiement différé, le procédé comprenant les étapes suivantes: dans un serveur de passerelle, la réception depuis un payeur d'une demande pour le paiement d'une somme spécifique à un bénéficiaire ; dans le serveur de passerelle, la demande d'un moyen de paiement différé depuis le payeur pour payer la somme spécifique à un premier magasin affilié, dans lequel le moyen de paiement différé détient un compte de règlement de paiement sous la forme d'un premier serveur bancaire où le premier magasin affilié a également ouvert un compte ; dans le premier serveur bancaire, la réalisation d'un processus d'approbation de paiement via le moyen de paiement différé du payeur pour la somme spécifique à être payée, et la réalisation d'un processus d'approbation d'un prêt négatif avec le moyen de paiement différé du premier magasin affilié équivalent à la somme spécifique à payer ; dans le serveur de passerelle, une requête à un second serveur bancaire de payer la somme spécifique via un moyen de paiement différé du bénéficiaire qui a le second serveur bancaire comme compte de règlement de paiement ; dans le second serveur bancaire, la réalisation d'un processus d'approbation de paiement pour la somme spécifique à être payée via un moyen de paiement différé d'un second magasin affilié du serveur de passerelle qui a été ouvert au niveau du second serveur bancaire, et la réalisation d'un processus d'approbation d'un prêt négatif avec le moyen de paiement différé du bénéficiaire ; dans le premier serveur bancaire, le retrait de la somme spécifique via le compte de règlement de paiement du payeur à une échéance de paiement du moyen de paiement différé du payeur ; dans le premier serveur bancaire, le dépôt de la somme spécifique qui a été retirée au serveur de passerelle à une échéance de paiement du moyen de paiement différé de la passerelle du premier magasin affilié ; dans le second serveur bancaire, le retrait de la somme spécifique à partir du compte de règlement de paiement du moyen de paiement différé de la passerelle du second magasin affilié à une échéance du moyen de paiement différé de la passerelle du second magasin affilié ; et dans le second serveur bancaire, le dépôt de la somme spécifique sur le compte de règlement de paiement du bénéficiaire pour le prêt négatif à une échéance de paiement du moyen de paiement différé du bénéficiaire.
PCT/KR2011/000506 2010-02-01 2011-01-25 Procédé de service de paiement et système correspondant WO2011093630A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR1020100009237A KR20110089718A (ko) 2010-02-01 2010-02-01 결제 서비스 방법 및 그를 위한 시스템
KR10-2010-0009237 2010-02-01

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WO2011093630A2 true WO2011093630A2 (fr) 2011-08-04
WO2011093630A3 WO2011093630A3 (fr) 2011-11-24

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EP4296927A1 (fr) 2022-06-22 2023-12-27 Szybkie Skladki Sp. z.o.o. Méthode de règlement de paiements

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KR102130795B1 (ko) * 2017-06-28 2020-07-03 한국정보통신주식회사 글로벌 카드 네트워크를 이용한 해외 송금액의 수금 방법 및 그 장치

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KR20060107969A (ko) * 2006-09-22 2006-10-16 김유정 카드사의 상품 판매 방법과 이를 위한 카드사 서버 및기록매체
KR20070003253A (ko) * 2005-07-01 2007-01-05 양재준 유비쿼터스 환경에서의 통합형 금융 서비스 제공 방법 및그에 따른 시스템
KR20080037369A (ko) * 2006-10-26 2008-04-30 주식회사 엘지텔레콤 결제 서비스를 중계하는 방법 및 서버

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20010109860A (ko) * 2000-06-03 2001-12-12 유춘열 중계기관을 통한 금융거래로 수수료 절감 방법과 장치
KR20070003253A (ko) * 2005-07-01 2007-01-05 양재준 유비쿼터스 환경에서의 통합형 금융 서비스 제공 방법 및그에 따른 시스템
KR20060107969A (ko) * 2006-09-22 2006-10-16 김유정 카드사의 상품 판매 방법과 이를 위한 카드사 서버 및기록매체
KR20080037369A (ko) * 2006-10-26 2008-04-30 주식회사 엘지텔레콤 결제 서비스를 중계하는 방법 및 서버

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP4296927A1 (fr) 2022-06-22 2023-12-27 Szybkie Skladki Sp. z.o.o. Méthode de règlement de paiements

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KR20110089718A (ko) 2011-08-09

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