WO2017222175A1 - Method for providing partial sales processing service, and payment relay server - Google Patents

Method for providing partial sales processing service, and payment relay server Download PDF

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Publication number
WO2017222175A1
WO2017222175A1 PCT/KR2017/004912 KR2017004912W WO2017222175A1 WO 2017222175 A1 WO2017222175 A1 WO 2017222175A1 KR 2017004912 W KR2017004912 W KR 2017004912W WO 2017222175 A1 WO2017222175 A1 WO 2017222175A1
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WIPO (PCT)
Prior art keywords
amount
payment
card
request
purchase
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PCT/KR2017/004912
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French (fr)
Korean (ko)
Inventor
우여름
김광곤
한새미
최강민
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비씨카드(주)
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Publication of WO2017222175A1 publication Critical patent/WO2017222175A1/en

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    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/06—Resources, workflows, human or project management; Enterprise or organisation planning; Enterprise or organisation modelling
    • G06Q10/067—Enterprise or organisation modelling
    • 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
    • G06Q10/00—Administration; Management
    • G06Q10/10—Office automation; Time management
    • 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
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

Definitions

  • the present invention relates to a method for providing a partial sales processing service and a payment relay server. More particularly, the partial sales process is performed by first determining the purchase amount based on the initial approval amount, and then processing the negative sales by the difference between the initial approval amount and the purchase request amount. It relates to a method for providing a processing service and a payment relay server.
  • Such a reservation payment may be inconvenient to require additional payment processing after the payment is different from the amount of money actually approved when the reservation payment is requested.
  • the present invention is to solve the above-mentioned problems of the prior art, the purchase amount is first determined as the initial approval amount, and then the negative sales process by the difference between the initial approval amount and the purchase request amount, which is the actual use amount, and the negative sales process
  • An object of the present invention is to provide a partial sales processing service for automatically refunding a payment cancellation amount to a customer account and a payment relay server.
  • a method for providing a partial sales processing service comprising the steps of: (a) receiving a payment authorization request using a customer's card from the merchant terminal; And (b) if it is determined that the initial authorization amount according to the payment authorization request is different from the purchase request amount from the merchant terminal, (i) a process of confirming the purchase amount with the initial authorization amount; and (ii) the initial authorization.
  • a method of providing a partial sales processing service which includes performing a process of canceling a payment by processing a negative sales amount by a difference between an amount and a purchase request amount.
  • the partial sales processing service providing method may further perform a process of return processing of the purchase request amount (iii) in step (b).
  • the partial sales processing service providing method if the customer's card is a check card, after the step (b), (c), the process of refunding the negative sales processed payment cancellation amount to a predetermined account; And (d) claiming the refunded amount to the card issuer server so that the refunded amount can be offset by the amount paid from the card issuer.
  • the partial sales processing service providing method may further include (e) supporting displaying both the initial authorization amount and the payment cancellation amount on the card bill for the customer.
  • the payment approval request may be due to the use of a hotel or railway service.
  • the sales processor may return the purchase request amount.
  • the payment relay server refunds the negative sales processed payment cancellation amount to a predetermined account, charges the refunded amount to a card issuer server, and issues the card. It may further include a refund processing unit for allowing the refunded amount to be offset through the amount paid by the company.
  • the refund processing unit may support to display both the initial authorization amount and the payment cancellation amount on the card bill for the customer.
  • the payment approval request may be due to the use of a hotel or railway service.
  • the present invention when using a business that requires additional payment processing after the reservation, such as hotel, railway, there is no need for additional payment processing through partial sales processing, it is effective to enhance the usability convenience from the merchant's point of view.
  • the convenience of customers can be increased by automatically refunding the difference between the initial authorization amount and the actual use amount.
  • FIG. 1 is a diagram illustrating a partial revenue processing service providing system according to an exemplary embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a payment relay server according to an embodiment of the present invention.
  • FIG. 3 is a diagram illustrating a process of providing a partial sales processing service according to an embodiment of the present invention.
  • FIG. 1 is a diagram illustrating a partial revenue processing service providing system according to an exemplary embodiment of the present invention.
  • the partial revenue processing service providing system may include an affiliated store terminal 100, a payment relay server 200, and a card issuer server 300 capable of communicating with each other.
  • 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 affiliated store terminal 100 is a terminal installed in an affiliated store registered as an affiliated affiliate store of a provider who operates the payment relay server 200 or the card issuer server 300, and may be a POS terminal.
  • the affiliated store terminal 100 may transmit a payment approval request to the payment relay server 200. For example, when the card payment approval request is performed, the affiliated store terminal 100 transmits a payment approval request including card information to the payment relay server ( 200).
  • the merchant terminal 100 recognizes the plastic card information through the MS (Magnetic Strip), IC (Integrated Circuit) chip in the plastic card presented by the customer, or a barcode, QR code displayed on the screen of the customer terminal
  • MS Magnetic Strip
  • IC Integrated Circuit
  • a payment approval request may be made using a plastic card and a mobile card, but is not limited thereto. Payment may be made using various payment methods such as an NFC tag and a virtual card. An authorization request may be made.
  • a payment authorization request using a card may be made online through an internet site provided by a merchant.
  • the payment relay server 200 may store and manage affiliate store information and customer information in a database.
  • Merchant information is information registered at the time of joining an affiliated merchant, and may include information related to an affiliated store, such as an affiliated store name and business type, and information related to the affiliated store terminal 100 such as location information and identification information of the affiliated store terminal 100 installed in the affiliated store. It may also include.
  • Customer information is information registered when a customer issues a card, and may include information related to the customer, such as a customer card, an account associated with the customer card, and a customer contact.
  • the payment relay server 200 may be a server operated by a separate company for relaying payment, and the company operating the payment relay server 200 and the company operating the card issuer server 300 may be in an affiliated state. In addition, the payment relay server 200 may be directly operated by the card issuer.
  • the payment relay server 200 and the card issuer server 300 are implemented as separate servers, the process of performing each function is described, but the payment relay server 200 and the card issuer server 300 Implemented as one integrated server, the payment relay server 200 may perform the function of the card issuer server 300, of course.
  • the payment approval request may be a payment approval request based on the use of a hotel or a railroad service.
  • the initial authorization amount and the purchase request amount which is the actual use amount, may be different, but the payment relay server 200 may use a merchant business type. If it is a reservation payment approval request, it is possible to confirm that the initial authorization amount and the purchase request amount are different, and to confirm the purchase amount as the initial authorization amount first.
  • the payment relay server 200 may receive a purchase request for the actual use amount from the affiliated store terminal 100, cancel the settlement by processing a negative sales amount by the difference between the initial approval amount and the purchase request amount.
  • the payment relay server 200 first confirms the purchase amount as the initial approval amount, before the purchase request is made, for the reservation payment approval request, which is the initial approval amount and the actual use amount as the purchase amount.
  • the difference of the purchase request amount may be negatively processed to process the settlement of the difference.
  • the payment relay server 200 may first cancel the payment by processing a negative sales amount by the difference between the initial approval amount and the purchase request amount, and then determine the purchase amount as the initial approval amount.
  • the payment relay server 200 may refund the negatively processed payment cancellation amount to a predetermined account, for example, an account associated with the customer's card, when the payment approval is requested by the check card.
  • the refunded amount may be charged to the server 300 so that the refunded amount may be offset through the amount paid from the card issuer.
  • the card issuer server 300 may store and manage card information of the customer in a database.
  • the card issuer server 300 may input user information (resident registration number, contact information, address information, etc.) input for card issuance, card information issued to the user (card number). , Expiration date, and CVC) can be stored and managed in a database.
  • user information resident registration number, contact information, address information, etc.
  • card information issued to the user card number
  • Expiration date, and CVC can be stored and managed in a database.
  • the card issuer server 300 When the card issuer server 300 requests the payment by the check card, the card is withdrawn the initial authorization amount from the customer account when the payment authorization request is requested. Therefore, the card issuer server 300 refunds the difference between the initial authorization amount and the actual purchase amount purchase request amount. Receiving a request for the refunded amount from the payment relay server 200 to pay the amount refunded to the company account operating the payment relay server 200, so that the refunded amount can be offset Can be.
  • FIG. 2 is a block diagram showing the configuration of a payment relay server 200 according to an embodiment of the present invention.
  • the payment relay server 200 may include an approval processor 210, a sales processor 220, and a refund processor 230.
  • the approval processing unit 210 may receive a payment approval request using a customer's card from the affiliated store terminal 100, and the purchase request amount from the merchant terminal 100 differs from the initial approval amount according to the payment approval request. You can check it.
  • the payment approval request may be a payment approval request based on the use of a hotel or a railroad service.
  • the approval processing unit 210 is based on the merchant information corresponding to the merchant terminal 100 that the payment approval request is made, if the industry of the merchant is confirmed as a business that requires reservation payment, such as hotels, railways.
  • the initial authorization amount approved at the time of service reservation is different from the purchase request amount actually purchased after using the service.
  • the approval processing unit 210 receives a payment approval request from the affiliated store terminal 100, and later receives a purchase request from the affiliated store terminal 100, the initial approval amount according to the payment approval request and By comparing the purchase request amount, it is possible to confirm whether they are different from each other.
  • the approval processing unit 210 may first determine the purchase amount as the initial approval amount.
  • the approval processing unit 210 that is, when a reservation payment is requested in advance before using a service such as a hotel or a railroad, the initial authorization amount and the purchase amount are different, and when the payment approval request is made, the actual usage amount after the service cannot be grasped. Since the purchase price cannot be determined accurately, the purchase amount can be determined first as the initial approval amount at the reservation payment stage before using the service.
  • the approval processing unit 210 receives a payment approval request using a customer's card from the merchant terminal 100 installed in the hotel, and processes the payment approval for the payment approval request amount of 150,000 won, the first approval. The amount can be confirmed as the purchase amount of 150,000 won.
  • the approval processing unit 210 may allow the initial approval amount to be withdrawn from a predetermined account associated with the check card when the payment request is made, so that the prepayment approval may be processed by the check card.
  • the difference between the amount and the actual use amount may be refunded through the refund processing unit 230 which will be described later.
  • the sales processing unit 220 may receive a purchase request for the actual use amount from the affiliated store terminal 100, and may cancel the payment by processing a minus sale by the difference between the initial approval amount and the requested purchase amount.
  • the sales processing unit 220 processes a negative sales of 30,000 won, which is the difference between the initial approval amount and the actual use amount, 3 It can be processed to cancel the payment for 10,000 won.
  • the sales processor 220 may return the purchase request amount from the affiliated store terminal 100.
  • the refund processing unit 230 refunds the minus sales processed payment cancellation amount to a predetermined account, for example, an account associated with the check card, and the card issuer server 300.
  • the refunded amount can be claimed so that the refunded amount can be offset against the amount paid by the card issuer.
  • the refund processing unit 230 The amount of the cancellation fee of 30,000 won is refunded to the account associated with the customer's card, so that the amount withdrawn from the account associated with the check card can be 120,000 won, which is the actual amount used.
  • the refunded amount of 30,000 won can be offset by the card issuer.
  • the refund processing unit 230 may support displaying both the initial authorization amount and the payment cancellation amount on the card bill for the customer, and the card issuer server 300 may display the card bill in which both the initial authorization amount and the payment cancellation amount are reflected. Can be generated and provided to the customer.
  • FIG. 3 is a diagram illustrating a process of providing a partial sales processing service according to an embodiment of the present invention.
  • the customer may make a payment request to the merchant terminal 100 using the customer card.
  • the payment request may be made offline through the affiliated store terminal 100 installed in the affiliated store, or may be made online through an internet site provided by the affiliated store.
  • the affiliated store terminal 100 may transmit a payment approval request using the card of the customer to the payment relay server 200.
  • the payment approval request is a payment approval request based on the use of a hotel or railway service, and may include card information and payment request amount information.
  • the payment relay server 200 confirms that the initial approval amount according to the payment approval request and the purchase request amount are different, for example, a merchant requesting payment approval requires a hotel, railroad, etc. Once confirmed as the industry, the payment request amount is first approved for payment, and the purchase amount may be confirmed as the initial approval amount.
  • the payment relay server 200 is requested in advance before the use of the service, such as hotel, railway, etc., when the payment approval request is not able to determine the actual use amount after using the service, even if the purchase amount cannot be accurately determined, the service In the reservation payment stage before use, the payment request amount may be first approved and the purchase amount may be confirmed as the initial approval amount.
  • the service such as hotel, railway, etc.
  • the affiliated store terminal 100 may transmit a purchase request for the actual use amount to the payment relay server 200.
  • the payment relay server 200 may return the purchase request amount according to the purchase request received from the affiliated store terminal 100.
  • the settlement relay server 200 may process a minus sales by the difference between the initial authorization amount and the purchase request amount which is the actual use amount, so that the minus sales amount is canceled.
  • the negative sales processing step 5 is illustrated.
  • the present invention is not limited thereto.
  • the purchase price confirmation step may be performed.
  • the payment relay server 200 may receive a purchase request from the affiliated store terminal 100, process a negative sales amount by canceling payment by the difference between the initial approval amount and the purchase request amount, and then confirm the purchase amount as the initial approval amount. have.
  • the payment relay server 200 refunds the negative canceled payment cancellation amount to a predetermined account associated with the check card, so that the card issuer or the customer The difference can be automatically refunded without a separate request.
  • the payment relay server 200 may transmit a request for the refunded amount to the card issuer server 300, 8 at the payment amount payment step, the card issuer server 300
  • the amount refunded to the account associated with the check card in the payment relay server 200 can be offset by the payment of the payment amount You can do that.

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Abstract

According to an embodiment of the present invention, provided is a method for providing a partial sales processing service in a payment relay server, comprising the steps of: (a) receiving a payment authorization request using a customer's card from an affiliated store terminal; and (b) if it is confirmed that an initial authorization amount according to the payment authorization request and a purchase request amount from the affiliated store terminal are different, performing (i) a process of determining a purchase amount to be the initial authorization amount, and (ii) a process of canceling the payment by processing, as minus sales, the difference between the initial authorization amount and the purchase request amount.

Description

부분 매출 처리 서비스 제공 방법 및 결제 중계 서버Partial sales processing service provision method and payment relay server
본 발명은 부분 매출 처리 서비스 제공 방법 및 결제 중계 서버에 관한 것으로, 더욱 상세하게는, 최초 승인 금액으로 매입 금액을 먼저 확정하여, 추후 최초 승인 금액과 매입 요청 금액의 차액만큼 마이너스 매출 처리하는 부분 매출 처리 서비스를 제공하는 방법 및 결제 중계 서버에 관한 것이다.The present invention relates to a method for providing a partial sales processing service and a payment relay server. More particularly, the partial sales process is performed by first determining the purchase amount based on the initial approval amount, and then processing the negative sales by the difference between the initial approval amount and the purchase request amount. It relates to a method for providing a processing service and a payment relay server.
최근, 호텔, 철도, 비행기 등의 예약결제를 위한 인프라가 많이 구축되면서, 카드를 이용한 예약결제 건수도 급증하고 있다.Recently, as a lot of infrastructures for booking payments for hotels, railroads, airplanes, etc. have been established, the number of reservation payments using cards has increased rapidly.
이러한, 예약결제는 예약결제 요청 시 승인되는 금액과 추후 실질적으로 매입되는 금액이 상이하여, 사후 추가 결제 처리가 필요할 수 밖에 없는 불편함이 있다.Such a reservation payment may be inconvenient to require additional payment processing after the payment is different from the amount of money actually approved when the reservation payment is requested.
예를 들어, 호텔을 예약하는 경우, 최초 예약결제 시에는 호텔 디파짓을 포함한 금액에 대해 결제하고, 호텔 서비스 이용 후, 최초 결제 금액 전체를 취소하고 디파짓을 제외한 실제 이용 금액만을 다시 결제해야 하므로, 호텔(가맹점)뿐 아니라 소비자 역시 결제의 불편함이 존재하였으며, 결제를 처리해야하는 카드사에서도 중복 결제로 인해 업무가 늘어나는 문제가 있다.For example, if you book a hotel, you must pay for the hotel deposit at the time of the initial booking, cancel the entire initial payment after using the hotel service, and pay only for the actual amount excluding the deposit. In addition to (merchants), consumers also had inconveniences in payment, and there is a problem in that business increases due to duplicate payments in card companies that need to process payments.
또한, 체크카드로 예약결제를 한 경우에는 예약 결제 시 최초 승인된 금액과 실제 이용 금액 간의 차액에 대해 환급 처리를 해주어야만 하는데, 카드 발급사에서 이를 확인하여 직접 처리하는데 한계가 있어, 고객에게 환급 처리될 금액에 대한 지급이 늦어지는 문제가 있다.In addition, if the payment is made with a check card, the difference between the first approved amount and the actual amount used must be refunded when the reservation is made. There is a problem that the payment for the amount to be processed is delayed.
따라서, 부분 매출 처리를 통해 추가 결제 처리가 필요하지 않으며, 고객에게 지급되어야 하는 차액을 자동으로 환급 처리할 수 있는 요구가 증대되고 있으며, 상술한 문제점을 해결하기 위한 방안이 시급한 실정이다.Therefore, additional payment processing is not required through the partial sales process, and the demand for automatically refunding the difference to be paid to the customer is increasing, and there is an urgent need for a solution to the above-mentioned problems.
본 발명은 전술한 종래기술의 문제점을 해결하기 위한 것으로, 최초 승인 금액으로 매입 금액을 먼저 확정하여, 추후 최초 승인 금액과 실제 이용 금액인 매입 요청 금액의 차액만큼 마이너스 매출 처리하고, 마이너스 매출 처리된 결제 취소 금액을 고객 계좌로 자동 환급 처리하는 부분 매출 처리 서비스를 제공하는 방법 및 결제 중계 서버를 제공하는 것을 목적으로 한다.The present invention is to solve the above-mentioned problems of the prior art, the purchase amount is first determined as the initial approval amount, and then the negative sales process by the difference between the initial approval amount and the purchase request amount, which is the actual use amount, and the negative sales process An object of the present invention is to provide a partial sales processing service for automatically refunding a payment cancellation amount to a customer account and a payment relay server.
본 발명의 목적들은 이상에서 언급한 목적들로 제한되지 않으며, 언급되지 않은 또 다른 목적들은 아래의 기재로부터 명확하게 이해될 수 있을 것이다.The objects of the present invention are not limited to the above-mentioned objects, and other objects that are not mentioned will be clearly understood from the following description.
상술한 목적을 달성하기 위한 본 발명의 일 실시예에 따르면, 결제 중계 서버에서, 부분 매출 처리 서비스를 제공하는 방법에 있어서, (a) 가맹점 단말로부터 고객의 카드를 이용한 결제 승인 요청을 수신하는 단계, 및 (b) 상기 결제 승인 요청에 따른 최초 승인 금액과 상기 가맹점 단말로부터의 매입 요청 금액이 상이한 것으로 확인되면, (i) 상기 최초 승인 금액으로 매입 금액을 확정하는 프로세스 및 (ii) 상기 최초 승인 금액과 상기 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소하는 프로세스를 수행하는 단계를 포함하는, 부분 매출 처리 서비스 제공 방법이 제공된다.According to an embodiment of the present invention for achieving the above object, in the payment relay server, a method for providing a partial sales processing service, the method comprising the steps of: (a) receiving a payment authorization request using a customer's card from the merchant terminal; And (b) if it is determined that the initial authorization amount according to the payment authorization request is different from the purchase request amount from the merchant terminal, (i) a process of confirming the purchase amount with the initial authorization amount; and (ii) the initial authorization. There is provided a method of providing a partial sales processing service, which includes performing a process of canceling a payment by processing a negative sales amount by a difference between an amount and a purchase request amount.
상기 부분 매출 처리 서비스 제공 방법은, 상기 (b) 단계에서, (iii) 상기 매입 요청 금액을 반송 처리하는 프로세스를 더 수행할 수 있다.The partial sales processing service providing method may further perform a process of return processing of the purchase request amount (iii) in step (b).
상기 부분 매출 처리 서비스 제공 방법은, 상기 고객의 카드가 체크카드인 경우, 상기 (b) 단계 이후에, (c), 상기 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌로 환급 처리하는 단계; 및 (d) 카드 발급사 서버로 상기 환급 처리된 금액을 청구하여, 상기 카드 발급사에서 지급되는 금액을 통해 상기 환급 처리된 금액이 상계 처리될 수 있도록 하는 단계를 더 포함할 수 있다.The partial sales processing service providing method, if the customer's card is a check card, after the step (b), (c), the process of refunding the negative sales processed payment cancellation amount to a predetermined account; And (d) claiming the refunded amount to the card issuer server so that the refunded amount can be offset by the amount paid from the card issuer.
상기 부분 매출 처리 서비스 제공 방법은, (e) 상기 고객에 대한 카드 대금 청구서에 상기 최초 승인 금액 및 상기 결제 취소 금액이 모두 표시되도록 지원하는 단계를 더 포함할 수 있다.The partial sales processing service providing method may further include (e) supporting displaying both the initial authorization amount and the payment cancellation amount on the card bill for the customer.
상기 결제 승인 요청은, 호텔 또는 철도 서비스 이용에 따른 것일 수 있다.The payment approval request may be due to the use of a hotel or railway service.
상술한 목적을 달성하기 위한 본 발명의 다른 실시예에 따르면, 가맹점 단말로부터 고객의 카드를 이용한 결제 승인 요청을 수신하고, 상기 결제 승인 요청에 따른 최초 승인 금액과 상기 가맹점 단말로부터의 매입 요청 금액이 상이한 것으로 확인되면, 상기 최초 승인 금액으로 매입 금액을 확정하는 승인 처리부; 및 상기 최초 승인 금액과 상기 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소하는 매출 처리부를 포함하는, 결제 중계 서버가 제공된다.According to another embodiment of the present invention for achieving the above object, receiving a payment authorization request using the customer's card from the merchant terminal, the initial authorization amount and the purchase request amount from the merchant terminal If it is confirmed that the difference, the approval processing unit for confirming the purchase amount to the initial approval amount; And a sales processing unit configured to cancel sales by canceling payment by a difference between the initial approval amount and the purchase request amount.
상기 매출 처리부는, 상기 매입 요청 금액을 반송 처리할 수 있다.The sales processor may return the purchase request amount.
상기 결제 중계 서버는, 상기 고객의 카드가 체크카드인 경우, 상기 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌로 환급 처리하고, 카드 발급사 서버로 상기 환급 처리된 금액을 청구하여, 상기 카드 발급사에서 지급되는 금액을 통해 상기 환급 처리된 금액이 상계 처리될 수 있도록 하는 환급 처리부를 더 포함할 수 있다.When the customer's card is a check card, the payment relay server refunds the negative sales processed payment cancellation amount to a predetermined account, charges the refunded amount to a card issuer server, and issues the card. It may further include a refund processing unit for allowing the refunded amount to be offset through the amount paid by the company.
상기 환급 처리부는, 상기 고객에 대한 카드 대금 청구서에 상기 최초 승인 금액 및 상기 결제 취소 금액이 모두 표시되도록 지원할 수 있다.The refund processing unit may support to display both the initial authorization amount and the payment cancellation amount on the card bill for the customer.
상기 결제 승인 요청은, 호텔 또는 철도 서비스 이용에 따른 것일 수 있다.The payment approval request may be due to the use of a hotel or railway service.
본 발명의 일 실시예에 따르면, 호텔, 철도 등 예약결제 후 사후 추가 결제 처리가 필요한 업종 이용 시, 부분 매출 처리를 통해 추가 결제 처리가 필요하지 않으므로, 가맹점 입장에서 이용성 편의가 제고되는 효과가 있으며, 최초 승인 금액과 실제 이용 금액의 차액을 자동으로 환급하여 고객 편의성도 증대시킬 수 있다.According to one embodiment of the present invention, when using a business that requires additional payment processing after the reservation, such as hotel, railway, there is no need for additional payment processing through partial sales processing, it is effective to enhance the usability convenience from the merchant's point of view. In addition, the convenience of customers can be increased by automatically refunding the difference between the initial authorization amount and the actual use amount.
본 발명의 효과는 상기한 효과로 한정되는 것은 아니며, 본 발명의 상세한 설명 또는 특허청구범위에 기재된 발명의 구성으로부터 추론 가능한 모든 효과를 포함하는 것으로 이해되어야 한다.The effects of the present invention are not limited to the above-described effects, but should be understood to include all the effects deduced from the configuration of the invention described in the detailed description or claims of the present invention.
도 1은 본 발명의 일 실시예에 따른 부분 매출 처리 서비스 제공 시스템을 도시한 도면이다.1 is a diagram illustrating a partial revenue processing service providing system according to an exemplary embodiment of the present invention.
도 2는 본 발명의 일 실시예에 따른 결제 중계 서버의 구성을 도시한 블록도이다.2 is a block diagram showing the configuration of a payment relay server according to an embodiment of the present invention.
도 3은 본 발명의 일 실시예에 따른 부분 매출 처리 서비스를 제공하는 과정을 도시한 도면이다.3 is a diagram illustrating a process of providing a partial sales processing service according to an embodiment of the present invention.
이하에서는 첨부한 도면을 참조하여 본 발명을 설명하기로 한다. 그러나 본 발명은 여러 가지 상이한 형태로 구현될 수 있으며, 따라서 여기에서 설명하는 실시예로 한정되는 것은 아니다. 그리고 도면에서 본 발명을 명확하게 설명하기 위해서 설명과 관계없는 부분은 생략하였으며, 명세서 전체를 통하여 유사한 부분에 대해서는 유사한 도면 부호를 붙였다.Hereinafter, with reference to the accompanying drawings will be described the present invention. As those skilled in the art would realize, the described embodiments may be modified in various different ways, all without departing from the spirit or scope of the present invention. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.
명세서 전체에서, 어떤 부분이 다른 부분과 "연결"되어 있다고 할 때, 이는 "직접적으로 연결"되어 있는 경우뿐 아니라, 그 중간에 다른 부재를 사이에 두고 "간접적으로 연결"되어 있는 경우도 포함한다. 또한 어떤 부분이 어떤 구성요소를 "포함"한다고 할 때, 이는 특별히 반대되는 기재가 없는 한 다른 구성요소를 제외하는 것이 아니라 다른 구성요소를 더 구비할 수 있다는 것을 의미한다.Throughout the specification, when a part is "connected" to another part, it includes not only "directly connected" but also "indirectly connected" with another member in between. . In addition, when a part is said to "include" a certain component, this means that it may further include other components, without excluding the other components unless otherwise stated.
이하 첨부된 도면을 참고하여 본 발명의 실시예를 상세히 설명하기로 한다.Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.
도 1은 본 발명의 일 실시예에 따른 부분 매출 처리 서비스 제공 시스템을 도시한 도면이다.1 is a diagram illustrating a partial revenue processing service providing system according to an exemplary embodiment of the present invention.
도 1을 참조하면, 본 발명의 일 실시예에 따른 부분 매출 처리 서비스 제공 시스템은 서로 통신 가능한 가맹점 단말(100), 결제 중계 서버(200) 및 카드 발급사 서버(300)를 포함할 수 있다.Referring to FIG. 1, the partial revenue processing service providing system according to an exemplary embodiment of the present invention may include an affiliated store terminal 100, a payment relay server 200, and a card issuer server 300 capable of communicating with each other.
먼저, 통신망은 유선 및 무선 등과 같은 그 통신 양태를 가리지 않고 구성될 수 있다. 근거리 통신망(LAN: Local Area Network), 도시권 통신망(MAN: Metropolitan Area Network), 광역 통신망(WAN: Wide Area Network) 등 다양한 통신망으로 구성될 수 있다.First, 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), it may be configured with a variety of communication networks such as wide area network (WAN).
가맹점 단말(100)은 결제 중계 서버(200) 또는 카드 발급사 서버(300)를 운영하는 사업자의 제휴 가맹점으로 등록되어 있는 가맹점에 설치된 단말기로서, POS 단말기일 수 있다.The affiliated store terminal 100 is a terminal installed in an affiliated store registered as an affiliated affiliate store of a provider who operates the payment relay server 200 or the card issuer server 300, and may be a POS terminal.
가맹점 단말(100)은 결제 승인 요청을 결제 중계 서버(200)로 전송할 수 있는데, 예를 들어, 카드 결제 승인 요청 시, 가맹점 단말(100)은 카드 정보를 포함하는 결제 승인 요청을 결제 중계 서버(200)로 전송할 수 있다.The affiliated store terminal 100 may transmit a payment approval request to the payment relay server 200. For example, when the card payment approval request is performed, the affiliated store terminal 100 transmits a payment approval request including card information to the payment relay server ( 200).
구체적으로, 가맹점 단말(100)은 고객이 제시한 플라스틱 카드 내 MS(Magnetic Strip), IC(Integrated Circuit) 칩 등을 통해 플라스틱 카드 정보를 인식하거나, 고객 단말기의 화면에서 디스플레이 되고 있는 바코드, QR 코드 등을 통해 모바일 카드 정보를 인식하여, 인식된 카드 정보를 포함하는 결제 승인 요청을 결제 중계 서버(200)로 전송할 수 있다.Specifically, the merchant terminal 100 recognizes the plastic card information through the MS (Magnetic Strip), IC (Integrated Circuit) chip in the plastic card presented by the customer, or a barcode, QR code displayed on the screen of the customer terminal By recognizing the mobile card information through the, etc., the payment approval request including the recognized card information may be transmitted to the payment relay server 200.
가맹점 단말(100)에서의 결제 승인 요청 시 상술한 바와 같이, 플라스틱 카드 및 모바일 카드를 이용하여 결제 승인 요청이 이루어질 수 있으나, 이에 제한되지 않으며, NFC 태그, 가상 카드 등 다양한 결제 수단을 이용하여 결제 승인 요청이 이루어질 수도 있다.As described above when requesting payment approval from the affiliated store terminal 100, a payment approval request may be made using a plastic card and a mobile card, but is not limited thereto. Payment may be made using various payment methods such as an NFC tag and a virtual card. An authorization request may be made.
또한, 가맹점에서 제공하는 인터넷 사이트를 통해, 온라인으로 카드를 이용한 결제 승인 요청이 이루어질 수 있다.In addition, a payment authorization request using a card may be made online through an internet site provided by a merchant.
결제 중계 서버(200)는 가맹점 정보, 고객 정보 등을 데이터베이스에 저장하여 관리할 수 있다.The payment relay server 200 may store and manage affiliate store information and customer information in a database.
가맹점 정보는 제휴 가맹점 가입 시 등록된 정보로, 가맹점 이름, 업종 등 가맹점과 관련된 정보를 포함할 수 있고, 가맹점에 설치된 가맹점 단말(100)의 위치 정보, 식별 정보 등 가맹점 단말(100)과 관련된 정보도 포함할 수 있다.Merchant information is information registered at the time of joining an affiliated merchant, and may include information related to an affiliated store, such as an affiliated store name and business type, and information related to the affiliated store terminal 100 such as location information and identification information of the affiliated store terminal 100 installed in the affiliated store. It may also include.
고객 정보는 고객이 카드 발급 시 등록된 정보로, 고객 카드, 고객 카드와 연계된 계좌, 고객 연락처 등 고객과 관련된 정보를 포함할 수 있다.Customer information is information registered when a customer issues a card, and may include information related to the customer, such as a customer card, an account associated with the customer card, and a customer contact.
결제 중계 서버(200)는 결제를 중계하는 별도의 업체에서 운영하는 서버일 수 있으며, 결제 중계 서버(200)를 운영하는 업체와 카드 발급사 서버(300)를 운영하는 업체는 제휴 상태일 수 있으나, 결제 중계 서버(200)를 카드 발급사에서 직접 운영할 수도 있다.The payment relay server 200 may be a server operated by a separate company for relaying payment, and the company operating the payment relay server 200 and the company operating the card issuer server 300 may be in an affiliated state. In addition, the payment relay server 200 may be directly operated by the card issuer.
이하에서는, 결제 중계 서버(200)와 카드 발급사 서버(300)가 별도 서버로 구현되어, 각각의 기능을 수행하는 과정을 설명하지만, 결제 중계 서버(200)와 카드 발급사 서버(300)가 하나의 통합 서버로 구현되어, 결제 중계 서버(200)에서 카드 발급사 서버(300)의 기능을 수행할 수 있음은 물론이다.Hereinafter, although the payment relay server 200 and the card issuer server 300 are implemented as separate servers, the process of performing each function is described, but the payment relay server 200 and the card issuer server 300 Implemented as one integrated server, the payment relay server 200 may perform the function of the card issuer server 300, of course.
결제 중계 서버(200)는 가맹점 단말(100)로부터 고객의 카드를 이용한 결제 승인 요청을 수신하고, 결제 승인 요청에 따른 최초 승인 금액과 가맹점 단말(100)로부터의 매입 요청 금액이 상이한 것으로 확인되면, 최초 승인 금액으로 매입 금액을 확정할 수 있다. 여기서, 결제 승인 요청은, 호텔 또는 철도 서비스 이용에 따른 결제 승인 요청일 수 있다.When the payment relay server 200 receives the payment approval request using the customer's card from the affiliated store terminal 100, and the initial authorization amount according to the payment approval request and the purchase request amount from the affiliated store terminal 100 are determined to be different, You can confirm the purchase price with the initial authorization amount. Here, the payment approval request may be a payment approval request based on the use of a hotel or a railroad service.
예를 들어, 고객이 호텔, 철도 등 서비스 이용 전 카드로 미리 예약결제 하는 경우, 최초 승인 금액과 실제 이용 금액인 매입 요청 금액이 상이할 수 있는데, 결제 중계 서버(200)는 가맹점 업종 등을 통해 예약결제인지 파악할 수 있으며, 예약결제 승인 요청이면, 최초 승인 금액과 매입 요청 금액이 상이한 것으로 확인하여, 최초 승인 금액으로 매입 금액을 먼저 확정할 수 있다.For example, when a customer pre-pays a card before using a service such as a hotel or a railroad, the initial authorization amount and the purchase request amount, which is the actual use amount, may be different, but the payment relay server 200 may use a merchant business type. If it is a reservation payment approval request, it is possible to confirm that the initial authorization amount and the purchase request amount are different, and to confirm the purchase amount as the initial authorization amount first.
결제 중계 서버(200)는 가맹점 단말(100)로부터 실제 이용 금액에 대한 매입 요청을 수신하고, 최초 승인 금액과 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소할 수 있다.The payment relay server 200 may receive a purchase request for the actual use amount from the affiliated store terminal 100, cancel the settlement by processing a negative sales amount by the difference between the initial approval amount and the purchase request amount.
예를 들어, 결제 중계 서버(200)는 예약결제 승인 요청 건에 대하여, 매입 요청이 이루어지기 전에, 먼저 최초 승인 금액으로 매입 금액을 확정하였는데, 매입 금액으로 확정된 최초 승인 금액과 실제 이용 금액인 매입 요청 금액의 차액을 마이너스 매출 처리하여, 차액에 대해 결제가 취소되도록 처리할 수 있다.For example, the payment relay server 200 first confirms the purchase amount as the initial approval amount, before the purchase request is made, for the reservation payment approval request, which is the initial approval amount and the actual use amount as the purchase amount. The difference of the purchase request amount may be negatively processed to process the settlement of the difference.
또한, 결제 중계 서버(200)는 먼저 최초 승인 금액과 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제를 취소한 후, 최초 승인 금액으로 매입 금액을 확정할 수도 있다.In addition, the payment relay server 200 may first cancel the payment by processing a negative sales amount by the difference between the initial approval amount and the purchase request amount, and then determine the purchase amount as the initial approval amount.
결제 중계 서버(200)는 체크카드로 결제 승인이 요청된 경우, 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌, 예를 들면, 고객의 카드와 연계된 계좌로 환급 처리할 수 있으며, 카드 발급사 서버(300)로 환급 처리된 금액을 청구하여, 카드 발급사에서 지급되는 금액을 통해 환급 처리된 금액이 상계 처리될 수 있도록 할 수 있다.The payment relay server 200 may refund the negatively processed payment cancellation amount to a predetermined account, for example, an account associated with the customer's card, when the payment approval is requested by the check card. The refunded amount may be charged to the server 300 so that the refunded amount may be offset through the amount paid from the card issuer.
카드 발급사 서버(300)는 고객의 카드 정보 등을 데이터베이스에 저장하여 관리할 수 있다.The card issuer server 300 may store and manage card information of the customer in a database.
예를 들어, 카드 발급사에서 고객에게 카드를 발급하면, 카드 발급사 서버(300)는 카드 발급을 위해 입력된 사용자 정보(주민등록번호, 연락처, 주소 정보 등), 사용자에게 발급된 카드 정보(카드번호, 유효기간, CVC)를 데이터베이스에 저장하여 관리할 수 있다.For example, when a card issuer issues a card to a customer, the card issuer server 300 may input user information (resident registration number, contact information, address information, etc.) input for card issuance, card information issued to the user (card number). , Expiration date, and CVC) can be stored and managed in a database.
카드 발급사 서버(300)는 체크카드로 결제 승인이 요청된 경우, 결제 승인 요청 시 고객 계좌에서 최초 승인 금액을 인출한 상태이므로, 최초 승인 금액과 실제 이용 금액 매입 요청 금액의 차액을 환급 처리한 결제 중계 서버(200)로부터 환급 처리된 금액에 대한 청구 요청을 수신하여, 결제 중계 서버(200)를 운영하는 업체 계좌로 환급 처리된 금액을 지급함으로써, 환급 처리된 금액이 상계 처리될 수 있도록 할 수 있다.When the card issuer server 300 requests the payment by the check card, the card is withdrawn the initial authorization amount from the customer account when the payment authorization request is requested. Therefore, the card issuer server 300 refunds the difference between the initial authorization amount and the actual purchase amount purchase request amount. Receiving a request for the refunded amount from the payment relay server 200 to pay the amount refunded to the company account operating the payment relay server 200, so that the refunded amount can be offset Can be.
도 2는 본 발명의 일 실시예에 따른 결제 중계 서버(200)의 구성을 도시한 블록도이다.2 is a block diagram showing the configuration of a payment relay server 200 according to an embodiment of the present invention.
도 2를 참조하면, 결제 중계 서버(200)는 승인 처리부(210) 및 매출 처리부(220), 환급 처리부(230)를 포함할 수 있다.2, the payment relay server 200 may include an approval processor 210, a sales processor 220, and a refund processor 230.
먼저, 승인 처리부(210)는 가맹점 단말(100)로부터 고객의 카드를 이용한 결제 승인 요청을 수신할 수 있으며, 결제 승인 요청에 따른 최초 승인 금액과 가맹점 단말(100)로부터의 매입 요청 금액이 상이한 것을 확인할 수 있다. 여기서, 결제 승인 요청은 호텔 또는 철도 서비스 이용에 따른 결제 승인 요청일 수 있다.First, the approval processing unit 210 may receive a payment approval request using a customer's card from the affiliated store terminal 100, and the purchase request amount from the merchant terminal 100 differs from the initial approval amount according to the payment approval request. You can check it. Here, the payment approval request may be a payment approval request based on the use of a hotel or a railroad service.
본 발명의 일 실시예에 따르면, 승인 처리부(210)는 결제 승인 요청이 이루어진 가맹점 단말(100)과 상응하는 가맹점 정보를 기초로, 가맹점의 업종이 호텔, 철도 등 예약결제가 필요한 업종으로 확인되면, 서비스 예약 시 승인되는 최초 승인 금액과 서비스 이용 후 실질적으로 매입되는 매입 요청 금액이 상이한 것으로 확인할 수 있다.According to an embodiment of the present invention, the approval processing unit 210 is based on the merchant information corresponding to the merchant terminal 100 that the payment approval request is made, if the industry of the merchant is confirmed as a business that requires reservation payment, such as hotels, railways In addition, it can be seen that the initial authorization amount approved at the time of service reservation is different from the purchase request amount actually purchased after using the service.
본 발명의 다른 실시예에 따르면, 승인 처리부(210)는 가맹점 단말(100)로부터 결제 승인 요청을 수신하고, 추후 가맹점 단말(100)로부터 매입 요청을 수신하여, 결제 승인 요청에 따른 최초 승인 금액과 매입 요청 금액을 비교하여, 서로 상이한지 여부를 확인할 수 있다.According to another embodiment of the present invention, the approval processing unit 210 receives a payment approval request from the affiliated store terminal 100, and later receives a purchase request from the affiliated store terminal 100, the initial approval amount according to the payment approval request and By comparing the purchase request amount, it is possible to confirm whether they are different from each other.
승인 처리부(210)는 최초 승인 금액과 매입 금액이 상이한 것으로 확인되면, 최초 승인 금액으로 매입 금액을 먼저 확정할 수 있다.If it is confirmed that the approval processing unit 210 is different from the initial approval amount and the purchase amount, it may first determine the purchase amount as the initial approval amount.
즉, 승인 처리부(210)는 즉, 호텔, 철도 등 서비스 이용 전에 미리 예약결제가 요청된 경우, 최초 승인 금액과 매입 금액이 상이한데, 결제 승인 요청 시에는 서비스 이용 후의 실제 이용 금액을 파악할 수 없어, 매입 금액을 정확하게 확정할 수 없으므로, 서비스 이용 전 예약결제 단계에서 최초 승인 금액으로 매입 금액을 먼저 확정할 수 있다.That is, the approval processing unit 210, that is, when a reservation payment is requested in advance before using a service such as a hotel or a railroad, the initial authorization amount and the purchase amount are different, and when the payment approval request is made, the actual usage amount after the service cannot be grasped. Since the purchase price cannot be determined accurately, the purchase amount can be determined first as the initial approval amount at the reservation payment stage before using the service.
예를 들어, 가맹점이 호텔이고, 호텔에서 고객의 카드를 이용한 결제 승인 요청이 이루어진 경우, 결제 승인 요청 금액은 호텔 디파짓을 포함하여 총 15만원이지만, 호텔 이용 후 디파짓 3만원을 제외한 순수한 투숙료는 12만원이라고 가정해보면, 승인 처리부(210)는 호텔에 설치된 가맹점 단말(100)로부터 고객의 카드를 이용한 결제 승인 요청을 수신하고, 결제 승인 요청 금액인 15만원에 대해 결제 승인을 처리하여, 최초 승인 금액은 15만원을 매입 금액으로 확정할 수 있다.For example, if the merchant is a hotel and the payment request is made with the customer's card at the hotel, the payment authorization request totals 150,000 won including hotel deposit, but the net price after the hotel is 30,000 won. Assuming 120,000 won, the approval processing unit 210 receives a payment approval request using a customer's card from the merchant terminal 100 installed in the hotel, and processes the payment approval for the payment approval request amount of 150,000 won, the first approval. The amount can be confirmed as the purchase amount of 150,000 won.
승인 처리부(210)는 체크카드로 결제 승인이 요청된 경우, 결제 요청 시 체크카드와 연계된 소정의 계좌에서 최초 승인 금액이 인출되도록 하여, 체크카드로 선결제 승인이 되도록 처리할 수 있으며, 최초 승인 금액과 실제 이용 금액의 차액은 추후 설명할 환급 처리부(230)를 통해 환급 처리될 수 있다.If the payment processing request is requested by the check card, the approval processing unit 210 may allow the initial approval amount to be withdrawn from a predetermined account associated with the check card when the payment request is made, so that the prepayment approval may be processed by the check card. The difference between the amount and the actual use amount may be refunded through the refund processing unit 230 which will be described later.
매출 처리부(220)는 가맹점 단말(100)로부터 실제 이용 금액에 대한 매입 요청을 수신할 수 있으며, 최초 승인 금액과 요청된 매입 금액의 차액만큼 마이너스 매출 처리하여 결제 취소할 수 있다.The sales processing unit 220 may receive a purchase request for the actual use amount from the affiliated store terminal 100, and may cancel the payment by processing a minus sale by the difference between the initial approval amount and the requested purchase amount.
예를 들어, 상술한 바와 같이, 최초 승인 금액은 15만원, 실제 이용 금액은 12만원인 경우, 매출 처리부(220)는 최초 승인 금액과 실제 이용 금액의 차액인 3만원을 마이너스 매출 처리하여, 3만원에 대해 결제 취소가 되도록 처리할 수 있다.For example, as described above, when the initial approval amount is 150,000 won and the actual use amount is 120,000 won, the sales processing unit 220 processes a negative sales of 30,000 won, which is the difference between the initial approval amount and the actual use amount, 3 It can be processed to cancel the payment for 10,000 won.
매출 처리부(220)는 가맹점 단말(100)로부터의 매입 요청 금액을 반송 처리할 수 있다.The sales processor 220 may return the purchase request amount from the affiliated store terminal 100.
환급 처리부(230)는 체크카드로 결제 승인이 요청된 경우, 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌, 예를 들면, 체크카드와 연계된 계좌로 환급 처리하고, 카드 발급사 서버(300)로 환급 처리된 금액을 청구하여, 카드 발급사에서 지급되는 금액을 통해 환급 처리된 금액이 상계 처리될 수 있도록 할 수 있다.When the payment approval request is requested by the check card, the refund processing unit 230 refunds the minus sales processed payment cancellation amount to a predetermined account, for example, an account associated with the check card, and the card issuer server 300. The refunded amount can be claimed so that the refunded amount can be offset against the amount paid by the card issuer.
예를 들어, 상술한 바와 같이, 최초 승인 금액은 15만원, 실제 이용 금액은 12만원인 경우, 최초 승인 금액인 15만원이 체크카드와 연계된 계좌에서 인출된 상태인데, 환급 처리부(230)는 결제 취소 금액인 3만원을 고객의 카드와 연계된 계좌로 환급 처리하여, 실질적으로 체크카드와 연계된 계좌에서 인출된 금액은 실제 이용 금액인 12만원이 되도록 할 수 있으며, 체크카드와 연계된 계좌로 환급 처리된 금액 3만원은 카드 발급사로부터 지급받아 상계 처리될 수 있도록 할 수 있다.For example, as described above, if the initial authorization amount is 150,000 won, the actual use amount is 120,000 won, the initial authorization amount of 150,000 won is withdrawn from the account associated with the check card, the refund processing unit 230 The amount of the cancellation fee of 30,000 won is refunded to the account associated with the customer's card, so that the amount withdrawn from the account associated with the check card can be 120,000 won, which is the actual amount used. The refunded amount of 30,000 won can be offset by the card issuer.
환급 처리부(230)는 고객에 대한 카드 대금 청구서에 최초 승인 금액 및 결제 취소 금액이 모두 표시되도록 지원할 수 있으며, 카드 발급사 서버(300)는 최초 승인 금액 및 결제 취소 금액이 모두 반영된 카드 대금 청구서를 생성하여 고객에게 제공할 수 있다.The refund processing unit 230 may support displaying both the initial authorization amount and the payment cancellation amount on the card bill for the customer, and the card issuer server 300 may display the card bill in which both the initial authorization amount and the payment cancellation amount are reflected. Can be generated and provided to the customer.
도 3은 본 발명의 일 실시예에 따른 부분 매출 처리 서비스를 제공하는 과정을 도시한 도면이다.3 is a diagram illustrating a process of providing a partial sales processing service according to an embodiment of the present invention.
먼저, ① 결제 요청 단계에서, 고객은 고객 카드를 이용하여 가맹점 단말(100)로 결제 요청을 할 수 있다. 이 때, 결제 요청은 가맹점에 설치된 가맹점 단말(100)을 통해 오프라인 상으로 이루어질 수 있고, 가맹점에서 제공하는 인터넷 사이트를 통해 온라인 상으로 이루어질 수도 있다.First, in the ① payment request step, the customer may make a payment request to the merchant terminal 100 using the customer card. In this case, the payment request may be made offline through the affiliated store terminal 100 installed in the affiliated store, or may be made online through an internet site provided by the affiliated store.
② 결제 승인 요청 단계에서, 가맹점 단말(100)은 결제 중계 서버(200)로 고객의 카드를 이용한 결제 승인 요청을 전송할 수 있다. 이 때, 결제 승인 요청은 호텔 또는 철도 서비스 이용에 따른 결제 승인 요청으로, 카드 정보, 결제 요청 금액 정보 등이 포함될 수 있다.In the payment approval request step, the affiliated store terminal 100 may transmit a payment approval request using the card of the customer to the payment relay server 200. In this case, the payment approval request is a payment approval request based on the use of a hotel or railway service, and may include card information and payment request amount information.
③ 매입 금액 확정 단계에서, 결제 중계 서버(200)는 결제 승인 요청에 따른 최초 승인 금액과 매입 요청 금액이 상이한 것으로 확인되면, 예를 들어, 결제 승인을 요청한 가맹점이 호텔, 철도 등 예약결제가 필요한 업종으로 확인되면, 결제 요청 금액에 대해 먼저 결제 승인하여, 최초 승인 금액으로 매입 금액을 확정할 수 있다.③ In the purchase amount confirmation step, when the payment relay server 200 confirms that the initial approval amount according to the payment approval request and the purchase request amount are different, for example, a merchant requesting payment approval requires a hotel, railroad, etc. Once confirmed as the industry, the payment request amount is first approved for payment, and the purchase amount may be confirmed as the initial approval amount.
구체적으로, 결제 중계 서버(200)는 호텔, 철도 등 서비스 이용 전에 미리 예약결제가 요청되어, 결제 승인 요청 시에는 서비스 이용 후의 실제 이용 금액을 파악할 수 없어, 매입 금액을 정확하게 확정할 수 없더라도, 서비스 이용 전 예약결제 단계에서, 결제 요청 금액에 대해 먼저 결제 승인하여, 최초 승인 금액으로 매입 금액을 확정할 수 있다.Specifically, the payment relay server 200 is requested in advance before the use of the service, such as hotel, railway, etc., when the payment approval request is not able to determine the actual use amount after using the service, even if the purchase amount cannot be accurately determined, the service In the reservation payment stage before use, the payment request amount may be first approved and the purchase amount may be confirmed as the initial approval amount.
④ 매입 요청 단계에서, 가맹점 단말(100)은 실제 이용 금액에 대한 매입 요청을 결제 중계 서버(200)로 전송할 수 있다. 이 때, 결제 중계 서버(200)는 가맹점 단말(100)로부터 수신된 매입 요청에 따른 매입 요청 금액을 반송 처리할 수 있다.In the purchase request step, the affiliated store terminal 100 may transmit a purchase request for the actual use amount to the payment relay server 200. In this case, the payment relay server 200 may return the purchase request amount according to the purchase request received from the affiliated store terminal 100.
⑤ 마이너스 매출 처리 단계에서, 결제 중계 서버(200)는 최초 승인 금액과 실제 이용 금액인 매입 요청 금액의 차액만큼 마이너스 매출 처리하여, 마이너스 매출 처리된 금액이 결제 취소되도록 처리할 수 있다.⑤ In the minus sales processing step, the settlement relay server 200 may process a minus sales by the difference between the initial authorization amount and the purchase request amount which is the actual use amount, so that the minus sales amount is canceled.
도 3에서는 ③ 매입 금액 확정 단계 이후 ⑤ 마이너스 매출 처리 단계가 수행되는 것으로 도시되어 있으나, 이에 제한되지 않으며, ⑤ 마이너스 매출 처리 단계 이후 ③ 매입 금액 확정 단계가 수행될 수도 있다.In FIG. 3, after the purchase amount confirmation step ⑤, the negative sales processing step ⑤ is illustrated. However, the present invention is not limited thereto. After the purchase amount confirmation step ⑤, the purchase price confirmation step may be performed.
즉, 결제 중계 서버(200)는 가맹점 단말(100)로부터 매입 요청을 수신하여, 최초 승인 금액과 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소한 후, 최초 승인 금액으로 매입 금액을 확정할 수 있다.That is, the payment relay server 200 may receive a purchase request from the affiliated store terminal 100, process a negative sales amount by canceling payment by the difference between the initial approval amount and the purchase request amount, and then confirm the purchase amount as the initial approval amount. have.
⑥ 환급 처리 단계에서, 체크카드로 결제 승인이 요청된 경우, 결제 중계 서버(200)는 마이너스 매출 처리된 결제 취소 금액을 체크카드와 연계된 소정의 계좌로 환급 처리함으로써, 카드 발급사 또는 고객이 별도로 요청하지 않아도 차액이 자동으로 환급 처리되도록 할 수 있다.⑥ In the refund processing step, when payment approval is requested by the check card, the payment relay server 200 refunds the negative canceled payment cancellation amount to a predetermined account associated with the check card, so that the card issuer or the customer The difference can be automatically refunded without a separate request.
⑦ 환급 금액 청구 요청 단계에서, 결제 중계 서버(200)는 환급 처리된 금액에 대한 청구 요청을 카드 발급사 서버(300)로 전송할 수 있으며, ⑧ 청구 금액 지급 단계에서, 카드 발급사 서버(300)는 결제 중계 서버(200)를 운영하는 업체 계좌로 청구 요청된 금액이 지급되도록 처리함으로써, 결제 중계 서버(200)에서 체크카드와 연계된 계좌로 환급 처리한 금액이 청구 금액 지급으로 상계 처리될 수 있도록 할 수 있다.⑦ at the refund amount request request, the payment relay server 200 may transmit a request for the refunded amount to the card issuer server 300, ⑧ at the payment amount payment step, the card issuer server 300 By processing the payment request amount to be paid to the company account operating the payment relay server 200, the amount refunded to the account associated with the check card in the payment relay server 200 can be offset by the payment of the payment amount You can do that.
이와 같이, 본 발명의 일 실시예에 따르면, 호텔, 철도 등 예약결제 후 사후 추가 결제 처리가 필요한 업종 이용 시, 부분 매출 처리를 통해 추가 결제 처리가 필요하지 않으므로, 가맹점 입장에서 이용성 편의가 제고되는 효과가 있으며, 최초 승인 금액과 실제 이용 금액의 차액을 자동으로 환급하여 고객 편의성도 증대시킬 수 있다.As such, according to an embodiment of the present invention, when using a business that requires additional payment processing after booking, such as a hotel and a railroad, additional payment processing is not required through partial sales processing, so that convenience of usability is enhanced from a merchant point of view. It is effective and can increase the convenience of customers by automatically refunding the difference between the initial approved amount and the actual use amount.
전술한 본 발명의 설명은 예시를 위한 것이며, 본 발명이 속하는 기술분야의 통상의 지식을 가진 자는 본 발명의 기술적 사상이나 필수적인 특징을 변경하지 않고서 다른 구체적인 형태로 쉽게 변형이 가능하다는 것을 이해할 수 있을 것이다. 그러므로 이상에서 기술한 실시예들은 모든 면에서 예시적인 것이며 한정적이 아닌 것으로 이해해야만 한다. 예를 들어, 단일형으로 설명되어 있는 각 구성 요소는 분산되어 실시될 수도 있으며, 마찬가지로 분산된 것으로 설명되어 있는 구성 요소들도 결합된 형태로 실시될 수 있다.The foregoing description of the present invention is intended for illustration, and it will be understood by those skilled in the art that the present invention may be easily modified in other specific forms without changing the technical spirit or essential features of the present invention. will be. Therefore, it should be understood that the embodiments described above are exemplary in all respects and not restrictive. For example, each component described as a single type may be implemented in a distributed manner, and similarly, components described as distributed may be implemented in a combined form.
본 발명의 범위는 후술하는 특허청구범위에 의하여 나타내어지며, 특허청구범위의 의미 및 범위 그리고 그 균등 개념으로부터 도출되는 모든 변경 또는 변형된 형태가 본 발명의 범위에 포함되는 것으로 해석되어야 한다.The scope of the present invention is represented by the following claims, and it should be construed that all changes or modifications derived from the meaning and scope of the claims and their equivalents are included in the scope of the present invention.
100 : 가맹점 단말100: merchant terminal
200 : 결제 중계 서버200: payment relay server
210 : 승인 처리부210: approval processing unit
220 : 매출 처리부220: sales processing unit
230 : 환급 처리부230: refund processing unit
300 : 카드 발급사 서버300: card issuer server

Claims (10)

  1. 결제 중계 서버에서, 부분 매출 처리 서비스를 제공하는 방법에 있어서,In the payment relay server, the method for providing a partial sales processing service,
    (a) 가맹점 단말로부터 고객의 카드를 이용한 결제 승인 요청을 수신하는 단계, 및(a) receiving a payment authorization request using a customer's card from a merchant terminal, and
    (b) 상기 결제 승인 요청에 따른 최초 승인 금액과 상기 가맹점 단말로부터의 매입 요청 금액이 상이한 것으로 확인되면, (i) 상기 최초 승인 금액으로 매입 금액을 확정하는 프로세스 및 (ii) 상기 최초 승인 금액과 상기 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소하는 프로세스를 수행하는 단계를 포함하는, 부분 매출 처리 서비스 제공 방법.(b) if the initial authorization amount according to the payment authorization request and the purchase request amount from the merchant terminal are found to be different, (i) a process of confirming the purchase amount with the initial authorization amount, and (ii) the initial authorization amount and And performing a process of canceling payment by processing negative sales by the difference of the purchase request amount.
  2. 제1항에 있어서,The method of claim 1,
    상기 (b) 단계에서, In step (b),
    (iii) 상기 매입 요청 금액을 반송 처리하는 프로세스를 더 수행하는 것을 특징으로 하는, 부분 매출 처리 서비스 제공 방법.(iii) further performing a process of returning the purchase request amount.
  3. 제1항에 있어서,The method of claim 1,
    상기 고객의 카드가 체크카드인 경우, 상기 (b) 단계 이후에,If the customer's card is a check card, after step (b),
    (c), 상기 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌로 환급 처리하는 단계; 및(c) refunding the negative sales processed payment cancellation amount to a predetermined account; And
    (d) 카드 발급사 서버로 상기 환급 처리된 금액을 청구하여, 상기 카드 발급사에서 지급되는 금액을 통해 상기 환급 처리된 금액이 상계 처리될 수 있도록 하는 단계를 더 포함하는, 부분 매출 처리 서비스 제공 방법.(d) claiming the refunded amount to the card issuer server, so that the refunded amount can be offset by the amount paid from the card issuer. Way.
  4. 제3항에 있어서, The method of claim 3,
    (e) 상기 고객에 대한 카드 대금 청구서에 상기 최초 승인 금액 및 상기 결제 취소 금액이 모두 표시되도록 지원하는 단계를 더 포함하는 것을 특징으로 하는, 부분 매출 처리 서비스 제공 방법.and (e) supporting the card bill for the customer to display both the initial authorization amount and the payment cancellation amount.
  5. 제1항에 있어서, The method of claim 1,
    상기 결제 승인 요청은, 호텔 또는 철도 서비스 이용에 따른 것인, 부분 매출 처리 서비스 제공 방법. The payment approval request, according to the use of the hotel or rail service, partial sales processing service providing method.
  6. 가맹점 단말로부터 고객의 카드를 이용한 결제 승인 요청을 수신하고, 상기 결제 승인 요청에 따른 최초 승인 금액과 상기 가맹점 단말로부터의 매입 요청 금액이 상이한 것으로 확인되면, 상기 최초 승인 금액으로 매입 금액을 확정하는 승인 처리부; 및Receiving a payment authorization request using the customer's card from the merchant terminal, if the initial authorization amount according to the payment authorization request and the purchase request amount from the merchant terminal is confirmed to be different, the authorization to confirm the purchase amount as the initial authorization amount Processing unit; And
    상기 최초 승인 금액과 상기 매입 요청 금액의 차액만큼 마이너스 매출 처리하여 결제 취소하는 매출 처리부를 포함하는, 결제 중계 서버.And a sales processing unit for canceling payment by processing a negative sales by the difference between the initial approval amount and the purchase request amount.
  7. 제6항에 있어서,The method of claim 6,
    상기 매출 처리부는,The sales processing unit,
    상기 매입 요청 금액을 반송 처리하는, 결제 중계 서버.The payment relay server, which returns the purchase request amount.
  8. 제6항에 있어서,The method of claim 6,
    상기 고객의 카드가 체크카드인 경우, 상기 마이너스 매출 처리된 결제 취소 금액을 소정의 계좌로 환급 처리하고, 카드 발급사 서버로 상기 환급 처리된 금액을 청구하여, 상기 카드 발급사에서 지급되는 금액을 통해 상기 환급 처리된 금액이 상계 처리될 수 있도록 하는 환급 처리부를 더 포함하는, 결제 중계 서버. If the customer's card is a check card, the negative sales processed payment cancellation amount is refunded to a predetermined account, and the amount refunded to the card issuer server is charged to the card issuer server. The payment relay server further comprises a refund processing unit through which the refunded amount can be offset.
  9. 제8항에 있어서,The method of claim 8,
    상기 환급 처리부는,The refund processing unit,
    상기 고객에 대한 카드 대금 청구서에 상기 최초 승인 금액 및 상기 결제 취소 금액이 모두 표시되도록 지원하는, 결제 중계 서버.And support for displaying both the initial authorization amount and the payment cancellation amount on a card bill for the customer.
  10. 제6항에 있어서,The method of claim 6,
    상기 결제 승인 요청은, 호텔 또는 철도 서비스 이용에 따른 것인, 결제 중계 서버.The payment approval request, according to the hotel or railway service usage, payment relay server.
PCT/KR2017/004912 2016-06-20 2017-05-11 Method for providing partial sales processing service, and payment relay server WO2017222175A1 (en)

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