WO2017222175A1 - Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement - Google Patents

Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement 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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WO
WIPO (PCT)
Prior art keywords
amount
payment
card
request
purchase
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PCT/KR2017/004912
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English (en)
Korean (ko)
Inventor
우여름
김광곤
한새미
최강민
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비씨카드(주)
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Publication of WO2017222175A1 publication Critical patent/WO2017222175A1/fr

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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

La présente invention concerne un procédé destiné à fournir un service de traitement de ventes partielles dans un serveur de relais de paiement, comprenant les étapes consistant : (a) à recevoir une demande d'autorisation de paiement à l'aide d'une carte de client provenant d'un terminal de magasin affilié ; et (b) si il est confirmé qu'un montant d'autorisation initial conformément à la demande d'autorisation de paiement et un montant de demande d'achat provenant du terminal de magasin affilié sont différents, à réaliser (i) un processus de détermination d'un montant d'achat afin d'être le montant d'autorisation initial, et (ii) un processus d'annulation du paiement par traitement, comme des ventes négatives, de la différence entre le montant d'autorisation initiale et le montant de demande d'achat.
PCT/KR2017/004912 2016-06-20 2017-05-11 Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement WO2017222175A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR10-2016-0076800 2016-06-20
KR20160076800 2016-06-20
KR1020160129946A KR101752102B1 (ko) 2016-06-20 2016-10-07 부분 매출 처리 서비스 제공 방법 및 결제 중계 서버
KR10-2016-0129946 2016-10-07

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WO2017222175A1 true WO2017222175A1 (fr) 2017-12-28

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PCT/KR2016/014604 WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
PCT/KR2017/004909 WO2017222172A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte
PCT/KR2017/004905 WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004904 WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce
PCT/KR2017/004912 WO2017222175A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de traitement de ventes partielles, et serveur de relais de paiement
PCT/KR2017/004915 WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004914 WO2017222177A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier
PCT/KR2017/004984 WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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PCT/KR2016/014604 WO2017222128A1 (fr) 2016-06-20 2016-12-13 Procédé et serveur pour fournir un service de carte à la place d'une société émettrice de carte
PCT/KR2017/004909 WO2017222172A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur permettant de fournir un service de coupons mobiles en fonction d'un historique de transactions par carte
PCT/KR2017/004905 WO2017222170A1 (fr) 2016-06-20 2017-05-11 Procédé et serveur de société de cartes servant à traiter un paiement en vérifiant une valeur de vérification, procédé pour prendre en charge un paiement en utilisant la valeur de vérification, et carte à puce
PCT/KR2017/004904 WO2017222169A1 (fr) 2016-06-20 2017-05-11 Procédé d'approbation de paiement effectué à l'aide d'une carte à puce, serveur de société à carte l'exécutant et carte à puce

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PCT/KR2017/004915 WO2017222178A1 (fr) 2016-06-20 2017-05-11 Procédé permettant de fournir un service d'approbation de transaction financière en continu au moyen d'une approbation de mandataire, et serveur de société de cartes permettant d'exécuter ledit procédé
PCT/KR2017/004914 WO2017222177A1 (fr) 2016-06-20 2017-05-11 Procédé destiné à fournir un service de mandataire d'approbation intégré à une société de carte, et serveur de société de carte réalisant ce dernier
PCT/KR2017/004984 WO2017222183A1 (fr) 2016-06-20 2017-05-12 Procédé de traitement d'approbation de transaction et serveur d'émetteur de carte

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WO (8) WO2017222128A1 (fr)

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