WO2017073879A1 - Procédé et serveur pour fournir des enregistrements des ventes par carte de crédit d'un magasin affilié - Google Patents

Procédé et serveur pour fournir des enregistrements des ventes par carte de crédit d'un magasin affilié Download PDF

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Publication number
WO2017073879A1
WO2017073879A1 PCT/KR2016/007019 KR2016007019W WO2017073879A1 WO 2017073879 A1 WO2017073879 A1 WO 2017073879A1 KR 2016007019 W KR2016007019 W KR 2016007019W WO 2017073879 A1 WO2017073879 A1 WO 2017073879A1
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WO
WIPO (PCT)
Prior art keywords
payment
credit card
details
merchant
history
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Application number
PCT/KR2016/007019
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English (en)
Korean (ko)
Inventor
김계환
표종석
Original Assignee
비씨카드(주)
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Filing date
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Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Publication of WO2017073879A1 publication Critical patent/WO2017073879A1/fr

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    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/22Payment schemes or models
    • G06Q20/24Credit schemes, i.e. "pay after"
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method and a server for providing credit card sales details of an affiliated store, and more particularly, to a method and a server for providing credit card sales details of an affiliated store except for duplicate authorization details.
  • credit card payment which is a method of payment after purchase, is a payment method that replaces cash during a commerce transaction between a seller and a buyer, and provides a buyer with convenience in using the payment for a purchase later.
  • it provides convenience to the seller and the government by making a database of the purchase-related details of the goods purchased by the buyer.
  • a business selling a product may apply for a subscription to each card company, and may provide a credit card payment service to a consumer when approval of joining a merchant is completed.
  • the merchant terminal When a consumer requests a credit settlement of a purchased item using a credit card, the merchant terminal, that is, the credit card inquiry terminal of the merchant, reads the credit card member information of the consumer and inputs the price of the article.
  • the merchant terminal generates credit card payment approval request information including the input credit card member information, the product price, and the corresponding merchant information, and transmits it to the VAN company server.
  • the VAN company server identifies the card company through the credit card member authorization information and transmits the credit card payment authorization request information to the corresponding card company server.
  • the card company server reads the credit card payment authorization request information to determine whether to approve the credit card payment, and transmits the determined credit card payment authorization information to the merchant terminal through the VAN company server, and stores it in the credit card payment authorization list database of the card company server. do.
  • the card company server divides the credit card payment authorization information stored in the credit card payment authorization list database for each affiliated store at each preset payment transfer date and requests a credit transfer fee transfer for each affiliated store from the linked bank server.
  • the bank server accumulates the credit settlement price classified for each merchant, and transfers the credit settlement price accumulated as the account information for credit settlement transfer of the corresponding merchant stored in the merchant database of the bank server.
  • the present invention is to solve the above-described problems of the prior art, by providing only the details that need to check the merchant attention from the approval history and cancellation details collected in the card company server, in the credit card sales history confirmation of the merchant note, accuracy To improve.
  • the present invention is to solve the above-described problems of the prior art, according to an embodiment of the present invention, a card company server, a method for providing a merchant credit card sales history for a predetermined period to the merchant terminal, (a) the Counting credit card payment authorization details of the merchant; (b) excluding duplicate payment approval details included in the payment approval details from the payment approval details; (c) counting credit card payment cancellation details of the merchant; And (d) transmitting the credit card sales details of the affiliate store including the aggregated payment cancellation details to the affiliated store terminal, except for the duplicate payment approval details.
  • step (d) receiving the confirmation information on the payment approval and payment cancellation history from the merchant terminal, further comprising the step of determining the sales, credit card sales history providing method is provided.
  • a credit card sales history providing method further comprising the step of receiving the merchant credit card sales history request from the merchant terminal.
  • step (c) at the request of the merchant terminal, only the payment authorization details or the payment cancellation details, or the duplicate payment authorization details of the merchant, where the duplicate payment authorization details are not removed, are provided.
  • a method of providing a credit card sales history is further provided, further comprising the step of providing the merchant terminal.
  • Payment history DB for accumulating and storing authorization details and rejection details according to the credit card payment cancellation request of the merchant terminal;
  • the duplicate approval history management unit for determining the duplicate payment authorization, distinguishing the duplicate payment authorization details;
  • extracting the merchant credit card sales details by aggregating the payment approval details, removing the details identified as the duplicate payment approval details, and including the payment cancellation details.
  • the credit card sales history providing unit upon request of the merchant terminal, provides only the payment approval details or the payment cancellation details, or the credit card transaction details of the merchant where the duplicate payment authorization details are not removed.
  • a card company server is provided.
  • a credit card sales history is provided, which includes details required to confirm the cancellation of the merchant's attention, thereby improving the accuracy and speed of the credit card sales history confirmation operation of the merchant.
  • the merchants since the credit card sales history without duplicate approval details is provided to the merchant states, the merchants do not need to check whether the approval is duplicated daily, thereby improving the convenience of the merchant states.
  • 1 is a configuration of the credit card sales history providing system of the merchant according to an embodiment of the present invention.
  • Figure 2 is a block diagram of a card company server that provides a credit card sales history of the merchant according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a method of providing credit card sales history of an affiliated store according to an embodiment of the present invention.
  • the term "merchant” is used to refer to a store or a company that is a member of a card company, and a particular card company's merchant may provide payment services to a specific card company to users.
  • the affiliated store is used in the same sense as above.
  • 1 is a configuration of the credit card sales history providing system of the merchant according to an embodiment of the present invention.
  • an affiliated store's credit card sales history providing system may include an affiliated store terminal 100, a VAN company server 200, and a card company server 300 that can communicate with each other through a communication network.
  • a communication network can be configured without regard to its communication aspects such as wired and wireless.
  • Local area network LAN
  • metropolitan area network MAN: Metropolitan Area Network
  • WAN wide area network
  • the communication network according to an embodiment may be implemented as a World Wide Web (WWW).
  • WWW World Wide Web
  • the merchant terminal 100 is a terminal used to process payments at the merchant, and may be a POS terminal or a CAT (Credit Authorization Terminal) terminal, a mobile phone, a smartphone, a personal digital assistant (PDA), a portable multimedia player (PMP).
  • PDA personal digital assistant
  • PMP portable multimedia player
  • Handheld-based wireless communication devices that can be connected to an external server such as a VAN company server 200 and a card company server 300 through a network, such as a tablet PC.
  • a communication device capable of connecting a network with an external server such as a VAN company server 200 and a card company server 300 may be included, such as an IPTV including a PC, a tablet PC, a laptop PC, and a set-top box.
  • the merchant terminal 100 generates payment information by reading a user's credit card, and transmits the generated payment information to the card company server 300 to request a payment.
  • the affiliated store terminal 100 may transmit the generated payment request information to the card company server 300 through the VAN company server 200 to request a payment.
  • the affiliated store terminal 100 may transmit a credit card payment cancellation request to the card company server 300, and in this case, also transmits the generated payment cancellation request information to the card company server 300 through the VAN company server 200. Can be.
  • the affiliated store terminal 100 may request credit card sales details by accessing the card company server 300, and the affiliated store owner stores the credit card sales details received from the card company server 300. By confirming through 100), the final sales history of the affiliated store can be confirmed.
  • the VAN company server 200 serves as a relay for requesting and approving card payment between the affiliated store terminal 100 and the card company server 300 and performing payment.
  • the VAN company server 200 receives the payment request information received from the affiliated store terminal 100 from the card company server.
  • the approval information regarding the payment request information may be received from the card company server 300 and transmitted to the affiliated store terminal 100.
  • the payment request information may include payment information, payment information including payment details, card identification information, card company information, card information including user information, and merchant information including merchant identification information.
  • the VAN company server 200 is illustrated in FIG. 1 according to an embodiment of the present invention.
  • the merchant terminal 100 does not pass through the VAN company server 200.
  • the card company server 300 directly downloads the payment module, and may use this to directly pay to the card company server 300.
  • the card company server 300 determines whether to approve the corresponding credit card payment, and when receiving the payment cancellation request information from the affiliated store terminal 100, Determine whether to cancel the credit card payment.
  • the card company server 300 may provide the credit card sales history to the registered merchant terminal 100, in this case, not only the credit card payment approval details, credit required to check the merchant attention
  • the card payment cancellation history may also provide an included credit card sales history.
  • the merchant note can easily check the details necessary for the credit card sales confirmation of the merchant, it is possible to improve the accuracy of the credit card sales confirmation process.
  • the card company server 300 automatically determines whether or not the duplicate authorization of the same credit card from the same merchant terminal 100, if the duplicate authorization details, if this, Excluding credit card sales can be provided to the merchant terminal 100.
  • the merchant owner checks them one by one and performs the process of excluding them.
  • a lot of time and labor are required.
  • the duplicate approval history is automatically removed from the card company server 300, it is possible to improve convenience by reducing the time and effort of the merchant attention.
  • FIG. 2 is a configuration diagram of a card company server 300 that provides a credit card sales history of an affiliated store according to an embodiment of the present invention.
  • the card company server 300 includes an affiliated store terminal register 310, an affiliated store management unit 320, a payment approval unit 330, a payment cancellation approval unit 340, and a credit card sales history management unit.
  • Reference numeral 350 may include a payment transfer request unit 360, a control unit 370, and a communication unit 380.
  • the credit card sales history management unit 350 according to an embodiment of the present invention, the payment history DB 351, payment cancellation history DB 352, duplicate authorization history management unit 353 and credit card sales history provider 354 ) May be included.
  • the merchant terminal registration unit 310 performs terminal registration of an affiliated store affiliated with a card company. Through the affiliated store terminal 100 registered in the affiliated store terminal registration unit 310, the card company server 300 may be connected, and the card company server 300 may be accessed to request the details of the credit card sales of the affiliated store.
  • the affiliated store terminal registration unit 310 may register and match the terminal information and the affiliated store information when registering the affiliated store terminal 100.
  • the affiliated store terminal registration unit 310 may update the registered information of the affiliated store terminal 100 by deleting previously registered terminal information and registering new terminal information when the registered terminal is replaced with another terminal in the affiliated store.
  • Merchant management unit 320 if there is a credit card payment or cancellation approval through the communication between the merchant terminal 100 and the card company server 300, based on the information of the merchant terminal 100, merchant terminal It checks whether the terminal is registered in the registration unit 310 and identifies the registered merchant information that is registered to match with the affiliated store terminal 100 and stores it as sales details for the corresponding affiliated store.
  • the affiliated store information may be identified through the affiliated store management unit 320 to provide the sales details of the corresponding affiliated store.
  • the payment approval unit 330 determines whether the payment is a payment by a credit card user (ie, a credit card member), The card payment can be accepted or declined.
  • the payment cancellation approval unit 340 determines whether to approve the payment cancellation request.
  • Credit card sales history management unit 350 determines the sales history of each merchant for a predetermined period, the payment approval history and cancellation from the payment approval unit 330 and payment cancellation approval unit 340 The details can be aggregated and the approval details or cancellation details necessary for the settlement of final sales details can be extracted.
  • the credit card sales history management unit 350 provides only the extracted credit card sales details to the affiliated store terminal 100, so that the merchants can check only the lists necessary to finally confirm the credit card sales details.
  • the credit card sales history management unit 350 may provide only payment approval details or payment cancellation details, or provide all of the credit card transaction details without duplicate authorization details, at the request of the merchant terminal 100. You may.
  • Credit card sales history management unit 350 provides a payment history DB 351, payment cancellation history DB 352, duplicate authorization history management unit 353 and credit card sales history provider 354 It may include.
  • the payment details DB 351 and the payment cancellation details DB 352 accumulate and store all details approved or rejected by the payment approval unit 330 and the payment cancellation approval unit 340.
  • the duplicate approval history management unit 353 removes the duplicate approval history from the merchant's credit card sales history by determining whether the duplicate approval is performed. Do it.
  • Credit card sales history providing unit 354 aggregates only the payment history and the cancellation history of the approval from the accumulated details in the payment history DB 351 and the payment cancellation history DB 352, Of the approved payment details, the duplicate approval details management unit 353 removes the details determined as duplicate approval details, and finally extracts only the details necessary for the credit card sales confirmation of the merchant.
  • Credit card sales history providing unit 354 provides the extracted credit card sales history to the merchant terminal 100 through the communication unit 380.
  • Credit card sales history providing unit 354 when receiving all the payment authorization history request for a predetermined period from the merchant terminal 100, the duplicate authorization history is not removed, the payment history DB ( It is also possible to provide all of the payment approval history stored in 351).
  • the credit card sales history providing unit 354 may provide only the payment cancellation history, and all the credit card transaction history of the merchant, that is, all payment authorization history and all payment cancellation history without removing the duplicate authorization history. Can also be provided to.
  • the card company server 300 may provide all the payment request and cancellation request details requested from the merchant terminal 100.
  • Payment payment transfer request unit 360 if the merchant's sales history confirmation information for the merchant's credit card sales history extracted by the credit card sales history management unit 350 is received from the merchant terminal 100
  • the bank server (not shown) requests that the payment amount according to the credit card sales details confirmed in the merchant account.
  • Control unit 370 according to an embodiment of the merchant terminal registration unit 310, merchant management unit 320, payment approval unit 330, payment cancellation approval unit 340, credit card sales history management unit 350, payment transfer
  • the data flow between the request unit 360 and the communication unit 380 may be performed. That is, the control unit 370 according to the present invention is a merchant terminal registration unit 310, merchant management unit 320, payment approval unit 330, payment cancellation approval unit 340, credit card sales history management unit 350, payment price
  • the transfer request unit 360 and the communication unit 380 may control to perform unique functions, respectively.
  • the communication unit 380 enables communication between the card company server 300 and an external device.
  • the card company server 300 enables communication with the affiliated store terminal 100, the VAN company server 200, and a bank server (not shown).
  • FIG. 3 is a flowchart illustrating a method of providing credit card sales history of an affiliated store according to an embodiment of the present invention.
  • the merchant terminal 100 makes a payment request to the card company server 300 (s301).
  • the payment request (s301) may be made through the relay of the VAN company server 200, or according to another embodiment, without the relay of the VAN company server 200, with the merchant terminal 100 Card company server 300 may be made directly.
  • Each step of the method for providing merchant credit card sales details of FIG. 3 may be performed through relaying of the VAN company server 200 or by direct communication between the affiliated store terminal 100 and the card company server 300.
  • the card company server 300 receiving the credit card payment request of the merchant terminal 100 determines whether the payment is made by the credit card member, and accordingly, transmits the payment approval or rejection information to the merchant terminal 100 (s302). ).
  • the affiliated store terminal 100 may request to cancel the credit card payment by revocation of a purchase order of a credit card user or a duplicate payment request (s303).
  • the card company server 300 When the card company server 300 receives the credit card payment cancellation request, the card company server 300 transmits payment cancellation approval or rejection information to the affiliated store terminal 100 in response to the cancellation request (S304).
  • the affiliated store terminal 100 may access the card company server 300 and request credit card sales details for a predetermined period (s305).
  • the card company server 300 searches for the registration information of the affiliated store terminal 100 that has requested the credit card sales details, identifies the affiliated store information, and provides a list corresponding to the sales details of the corresponding affiliated store.
  • the card company server 300 aggregates the accumulated payment approval details of the affiliated store (s306), and determines the details corresponding to the duplicate payment approval of the calculated payment approval details to exclude them from the sales history (s307), Compiling the payment cancellation history that needs to check the merchant attention and includes it in the sales history (s308).
  • the credit card sales history extracted by the card company server 300 is transmitted to the affiliated store terminal 100 (s309).
  • merchants can accurately and quickly confirm only the sales details required for the final payment price to be transferred from the card company.
  • the merchant terminal 100 receives credit card sales details, checks the payment approval details and payment cancellation details included in the credit card sales details, and confirms the information on the credit card sales details to the card company server 300. Transmit (s310).
  • the card company server 300 may finally determine the credit card sales history (s311).
  • control unit 370 control unit

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  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
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  • Finance (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
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Abstract

L'invention concerne un procédé selon lequel un serveur d'une société de carte de crédit fournit des enregistrements de ventes par carte de crédit d'un magasin affilié pendant une période prédéterminée à un terminal de magasin affilié. Le procédé comprend les étapes consistant : (a) à rassembler des enregistrements d'approbation de paiement par carte de crédit du magasin affilié ; (b) à exclure, des enregistrements d'approbation de paiement, les enregistrements d'approbation de paiement se chevauchant, inclus dans les enregistrements d'approbation de paiement ; (c) à rassembler des enregistrements d'annulation de paiement par carte de crédit du magasin affilié ; (d) à transmettre, au terminal du magasin affilié, les enregistrements de ventes par carte de crédit du magasin affilié, qui excluent les enregistrements d'approbation de paiement se chevauchant et qui comprennent les enregistrements d'annulation de paiement rassemblés.
PCT/KR2016/007019 2015-10-26 2016-06-30 Procédé et serveur pour fournir des enregistrements des ventes par carte de crédit d'un magasin affilié WO2017073879A1 (fr)

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KR1020150148769A KR20170047981A (ko) 2015-10-26 2015-10-26 가맹점의 신용카드 매출 내역 제공 방법 및 서버
KR10-2015-0148769 2015-10-26

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Cited By (1)

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Publication number Priority date Publication date Assignee Title
CN110427963A (zh) * 2019-06-21 2019-11-08 优信拍(北京)信息科技有限公司 一种车源信息处理方法、系统及设备

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* Cited by examiner, † Cited by third party
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KR101972896B1 (ko) * 2017-06-28 2019-04-26 한국정보통신주식회사 거래 정산 처리 방법, 그를 수행하기 위한 결제 단말 장치 및 서버

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KR20050082791A (ko) * 2004-02-20 2005-08-24 (주)미소올 이디시 매출전표 관리 및 이디시 처리내역 정보 제공 방법
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Publication number Priority date Publication date Assignee Title
CN110427963A (zh) * 2019-06-21 2019-11-08 优信拍(北京)信息科技有限公司 一种车源信息处理方法、系统及设备

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