WO2012091355A3 - 결제 서비스 방법 및 결제 서비스를 수행하는 중계 서버 - Google Patents

결제 서비스 방법 및 결제 서비스를 수행하는 중계 서버 Download PDF

Info

Publication number
WO2012091355A3
WO2012091355A3 PCT/KR2011/009885 KR2011009885W WO2012091355A3 WO 2012091355 A3 WO2012091355 A3 WO 2012091355A3 KR 2011009885 W KR2011009885 W KR 2011009885W WO 2012091355 A3 WO2012091355 A3 WO 2012091355A3
Authority
WO
WIPO (PCT)
Prior art keywords
relay server
payee
deferred
settlement service
member store
Prior art date
Application number
PCT/KR2011/009885
Other languages
English (en)
French (fr)
Other versions
WO2012091355A2 (ko
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.)
Filing date
Publication date
Application filed by 비씨카드 주식회사 filed Critical 비씨카드 주식회사
Publication of WO2012091355A2 publication Critical patent/WO2012091355A2/ko
Publication of WO2012091355A3 publication Critical patent/WO2012091355A3/ko

Links

Classifications

    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • 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
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

본 발명의 일실시예에 의한 결제 서비스 방법은 중계 서버가 지급인으로부터 수취인에게로의 특정 금액 지불 요청을 수신하는 단계; 중계 서버가 수수료가 없는 중계 가맹점을 매개로 하여 지급인 후불 결제 수단으로 승인 처리 및 수취인 후불 결제 수단으로 마이너스 승인 처리하는 단계; 중계 서버가 수취인으로부터 선 정산 요청을 수신하는 단계; 중계 서버가 상기 수취인 후불 결제 수단의 마이너스 승인 처리 내역을 취소하는 단계; 중계 서버가 수수료가 적용되는 선 정산용 가맹점을 매개로 하여 승인 처리하는 단계; 중계 서버가 상기 특정 금액에서 상기 선 정산용 가맹점에 적용되는 수수료가 제외된 금액을 선 정산용 가맹점 계좌를 통해 상기 수취인의 후불 결제 수단과 연계된 발급사로부터 입금받는 단계; 및 중계 서버가 상기 입금받은 금액을 상기 수취인이 요청한 계좌 또는 상기 수취인 후불 결제 수단과 연계된 계좌로 입금 처리하는 단계를 포함할 수 있다.
PCT/KR2011/009885 2010-12-29 2011-12-20 결제 서비스 방법 및 결제 서비스를 수행하는 중계 서버 WO2012091355A2 (ko)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2010-0137731 2010-12-29
KR1020100137731A KR20120083553A (ko) 2010-12-29 2010-12-29 결제 서비스 방법 및 결제 서비스를 수행하는 중계 서버

Publications (2)

Publication Number Publication Date
WO2012091355A2 WO2012091355A2 (ko) 2012-07-05
WO2012091355A3 true WO2012091355A3 (ko) 2012-10-04

Family

ID=46383647

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2011/009885 WO2012091355A2 (ko) 2010-12-29 2011-12-20 결제 서비스 방법 및 결제 서비스를 수행하는 중계 서버

Country Status (2)

Country Link
KR (1) KR20120083553A (ko)
WO (1) WO2012091355A2 (ko)

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000054166A (ko) * 2000-05-24 2000-09-05 박은일 신용카드 팩토링 서비스 방법 및 신용카드 팩토링 서비스시스템
KR20010109860A (ko) * 2000-06-03 2001-12-12 유춘열 중계기관을 통한 금융거래로 수수료 절감 방법과 장치
KR20060107969A (ko) * 2006-09-22 2006-10-16 김유정 카드사의 상품 판매 방법과 이를 위한 카드사 서버 및기록매체
KR100698596B1 (ko) * 2002-10-24 2007-03-21 (주)씨파트너스 지정된 가맹점으로 선결제하기 위한 결제 시스템

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000054166A (ko) * 2000-05-24 2000-09-05 박은일 신용카드 팩토링 서비스 방법 및 신용카드 팩토링 서비스시스템
KR20010109860A (ko) * 2000-06-03 2001-12-12 유춘열 중계기관을 통한 금융거래로 수수료 절감 방법과 장치
KR100698596B1 (ko) * 2002-10-24 2007-03-21 (주)씨파트너스 지정된 가맹점으로 선결제하기 위한 결제 시스템
KR20060107969A (ko) * 2006-09-22 2006-10-16 김유정 카드사의 상품 판매 방법과 이를 위한 카드사 서버 및기록매체

Also Published As

Publication number Publication date
KR20120083553A (ko) 2012-07-26
WO2012091355A2 (ko) 2012-07-05

Similar Documents

Publication Publication Date Title
WO2009124204A3 (en) Third-party methods and systems for managing merchant validation screening
WO2009137789A3 (en) Communication device including multi-part alias identifier
WO2012148773A3 (en) Online payment method and device
GB2490466A (en) Transferring funds using mobile devices
WO2011068624A3 (en) System and method for approving transactions
WO2010045108A3 (en) P2p transfer using prepaid card
WO2013044093A3 (en) Offer management and settlement in a payment network
WO2012027026A8 (en) Systems and methods for the payment of customer bills utilizing payment platform of biller
WO2013028910A3 (en) Mobile funding method and system
WO2015113002A3 (en) Referral and reward system network and methods for consumer transactions
WO2012171012A3 (en) Systems and methods for protecting account identifiers in financial transactions
WO2011011227A3 (en) Account transaction value added tax reimbursement
WO2012103413A3 (en) Merchant payment system and method for mobile phones
GB2515230A (en) Pre-allocating merchant ID in a credit card processor entity system by a master merchant
MX337491B (es) Servicio de acceso a sistema de transferencia de dinero.
WO2014018821A3 (en) Peer to peer lending using a mobile wallet
WO2009124205A3 (en) Methods and systems for managing co-brand proprietary financial transaction processing
WO2008027324A3 (en) Method and system to accept and settle transaction payments for an unbanked consumer
WO2012082899A9 (en) Atm/kiosk cash acceptance
WO2010068466A3 (en) Promotional item identification in processing of an acquired transaction on an issued account
MX2016001258A (es) Sistema y metodo para proporcionar automaticamente a/r-basado en lineas de credito a empresas.
WO2013055805A3 (en) Method and system for enabling use of loyalty program points as form of payment
NZ622967A (en) Payment requests
WO2010129249A3 (en) Delayed settlement transactions
WO2012092450A3 (en) Local management of payment transactions

Legal Events

Date Code Title Description
121 Ep: the epo has been informed by wipo that ep was designated in this application

Ref document number: 11852392

Country of ref document: EP

Kind code of ref document: A2

NENP Non-entry into the national phase

Ref country code: DE

122 Ep: pct application non-entry in european phase

Ref document number: 11852392

Country of ref document: EP

Kind code of ref document: A2