WO2019172489A1 - Procédé et serveur de paiement de sommes de ventes en cartes à l'aide d'un compte possédé par une société de cartes - Google Patents

Procédé et serveur de paiement de sommes de ventes en cartes à l'aide d'un compte possédé par une société de cartes Download PDF

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Publication number
WO2019172489A1
WO2019172489A1 PCT/KR2018/008231 KR2018008231W WO2019172489A1 WO 2019172489 A1 WO2019172489 A1 WO 2019172489A1 KR 2018008231 W KR2018008231 W KR 2018008231W WO 2019172489 A1 WO2019172489 A1 WO 2019172489A1
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WO
WIPO (PCT)
Prior art keywords
account
card
card company
owned
merchant
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PCT/KR2018/008231
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English (en)
Korean (ko)
Inventor
조정범
김정언
Original Assignee
비씨카드(주)
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Application filed by 비씨카드(주) filed Critical 비씨카드(주)
Publication of WO2019172489A1 publication Critical patent/WO2019172489A1/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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • 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

Definitions

  • the present invention relates to a card sales payout method and server using a card company owned account, and more specifically, the card company server pays the card sales payout of the merchant to the card company owned account at all times, allowing the merchant to be in the account
  • the present invention relates to a payment method and a server for paying card sales using a card company owned account that enables the use of money as available funds.
  • the EDC (Electronic Data Capture) service which is a method of directly purchasing by the card company based on the card approval transaction data generated through the card reader without introducing a separate billing operation of the VAN company, was introduced. There was a problem in that payment was delayed when the holiday was included.
  • the present invention is to solve the above-mentioned problems of the prior art, the card company issuing an account owned by the card company to the service target merchant, and the card sales payment of the merchant to the card company owned account on the next day of purchase regardless of the holiday By doing so, the merchant owner can easily use the sales revenue of the merchant regardless of weekdays and holidays by using the card linked to the card company owned account.
  • the card company server to pay the card sales to the merchant, (a) if the sales data is generated based on the sales information of the day obtained from the merchant terminal After the predetermined time, processing the card sales to be deposited into an account owned by the card company; And (b) notifying the deposit fact to the terminal associated with the affiliated store.
  • the sales data generation and the deposit may be performed regardless of whether the day and the next day are a holiday.
  • the card company owned account is a prepaid account, and when there is a payment request using a prepaid card connected to the prepaid account, the payment request may be processed within the balance of the prepaid account.
  • the card company server supports to transfer or transfer at least a portion of the card revenue from an account owned by the card company to an account owned by the merchant, and uses a card connected to the merchant owner owned account or the merchant owner owned account.
  • the payment request or the withdrawal request may be processed by limiting the sum of the balance of the card company owned account and the balance of the merchant owner owned account.
  • the card company server may process at least a portion of the balance of the card company owned account to be transferred to an account owned by the merchant.
  • the card company server may process at least a portion of the remaining amount of the balance of the card company owned account to be transferred to an account owned by a merchant.
  • the card company server may process at least a portion of the card sales to be transferred from the card company owned account to the account owned by the merchant owner when the predetermined payment date.
  • the card company server may process an amount corresponding to the predetermined limit among the balances of the card company owned account to be transferred to an account owned by the merchant.
  • the card company server that pays card sales to the merchant, if the sales data is generated based on the sales information of the day obtained from the merchant terminal, after a predetermined time
  • the card company server including a sales settlement unit which processes the card sales to be deposited into an account owned by the card company and notifies the deposit to the terminal associated with the affiliated store.
  • the sales data generation and the deposit may be performed regardless of whether the day and the next day are a holiday.
  • the card company owned account is a prepaid account, and when there is a payment request using a prepaid card connected to the prepaid account, the payment request may be processed within the balance of the prepaid account.
  • the card company server a transfer management unit for supporting to transfer or transfer at least a portion of the card revenue from the account owned by the card company owned by the merchant owner; And when there is a request for payment using a card linked to the affiliated owner-owned account or a withdrawal request from the affiliated owner-owned account, the sum of the balance of the credit card company owned account and the balance of the affiliated owner-owned account to the maximum.
  • the card service provider may further include a payment request or the withdrawal request.
  • the card company server may further include a transfer management unit for processing to transfer at least a portion of the balance of the card company owned account to the account owned by the merchant owner, if the balance of the card company owned account exceeds a predetermined amount.
  • the card company server may further include a transfer management unit for processing to transfer at least a portion of the predetermined amount of the balance of the card company owned account to the account owned by the merchant owner, when a transfer request for a predetermined amount is received.
  • a transfer management unit for processing to transfer at least a portion of the predetermined amount of the balance of the card company owned account to the account owned by the merchant owner, when a transfer request for a predetermined amount is received.
  • the card company server may further include a transfer management unit configured to process at least a portion of the card sales to be transferred from the card company owned account to the account owned by the affiliated store owner when a predetermined deposit date is reached.
  • a transfer management unit configured to process at least a portion of the card sales to be transferred from the card company owned account to the account owned by the affiliated store owner when a predetermined deposit date is reached.
  • the card company server if the balance of the card company owned account exceeds a predetermined limit, the transfer management unit for processing so that the amount corresponding to the predetermined limit of the balance of the card company owned account is transferred to the account owned by the merchant owner; It may include.
  • a card company issues an account owned by a card company to a service target merchant, and pays the card sales amount of the merchant to the card company owned account on the next day of purchase regardless of whether there is a holiday.
  • a card linked to the owning account it is possible to easily use the sales amount of the merchant regardless of weekdays and holidays.
  • the sum of the balance of the merchant owner-owned account and the balance of the card company-owned account is limited to the limit. It is possible to provide a system that can use prepaid or debit cards.
  • 1 is a view schematically showing the configuration of the payout system according to an embodiment of the present invention.
  • FIG. 2 is a block diagram showing the configuration of a card company server according to an embodiment of the present invention.
  • FIG. 3 is a flowchart illustrating a process of registering a payout service using a prepaid account according to an embodiment of the present invention.
  • FIG. 4 is a flowchart illustrating a process of paying a payout to a prepaid account according to an embodiment of the present invention.
  • FIG. 5 is a flowchart illustrating a process of providing a transfer service and a card service according to an embodiment of the present invention.
  • the "prepaid account” may mean an account owned by the card company, and may be an account that can be freely withdrawn and withdrawn by the card company.
  • the card company owned account issued to the merchant owner will be described only with respect to the embodiment in the form of a prepaid account, but is not limited thereto.
  • embodiments of the present invention will be described in detail with reference to the accompanying drawings.
  • 1 is a view schematically showing the configuration of the payout system according to an embodiment of the present invention.
  • a payout system may include an affiliated store terminal 100, a card company server 200, and a bank server 300.
  • the affiliated store terminal 100, the card company server 200 and the bank server 300 may be connected to the communication network, respectively, wherein the communication network may be configured without regard to the communication mode such as wired and wireless.
  • Local area network (LAN), metropolitan area network (MAN: Metropolitan Area Network), a wide area network (WAN) may be composed of a variety of communication networks.
  • the affiliated store terminal 100 may be installed at a specific affiliated store, read a card (prepaid card, check card, credit card, etc.) possessed by a user and transmit the read information to the card company server 200 together with the sales information. have.
  • a card prepaid card, check card, credit card, etc.
  • the merchant terminal 100 is a terminal associated with the merchant, and may be a POS terminal or a CAT (Credit Authorization Terminal) terminal, and may be a network such as a mobile phone, a smartphone, a personal digital assistant (PDA), a portable multimedia player (PMP), a tablet PC, or the like. It can include any type of handheld based wireless communication device that can be connected to an external device or an external server through, as well as IPTV including desktop PCs, tablet PCs, laptop PCs, set-top boxes, It should be understood as a concept that includes all communication devices that can be connected to an external device or an external server through a network.
  • PDA personal digital assistant
  • PMP portable multimedia player
  • the affiliated store terminal 100 may drive any application and may include any device capable of accessing the web.
  • the affiliated store terminal 100 may be installed with an application for providing a payout service using a prepaid account performed through the card company server 200 and stored in a memory.
  • the merchant terminal 100 may download and install an application after accessing an app store server (not shown) in which various applications are uploaded through a communication network, and the user may download the prepaid account of the present invention through the application.
  • Received payment service can be provided.
  • the affiliated store terminal 100 may request a service providing web page provided from the card company server 200 by executing a web browser installed in the affiliated store terminal 100 according to a user's manipulation.
  • the merchant terminal 100 will be described. However, if the merchant is an online merchant, the merchant terminal 100 may be replaced with an affiliate server.
  • the card company server 200 may be a server operated by a card company that performs a series of procedures related to the card service, such as processing the card payment generated through the merchant terminal 100, and pays the payment of the affiliated merchant.
  • Card company server 200 may receive a request to subscribe to the payout service using the prepaid account of the present invention from the merchant terminal 100, and as a result of performing the verification for the merchant and merchant owners, service subscription conditions If the service provider is satisfied, the service registration procedure for the affiliated store can be performed.
  • the card company server 200 may issue an account owned by the card company, preferably a registered prepaid account, to the affiliated store owner who is the target of service registration.
  • the card company server 200 may generate sales data by calculating the card sales amount of the affiliated store on the basis of the day sales information of the affiliated store generated through the affiliated store terminal 100, and the card sales amount is transferred to the merchant's prepaid account the next day. Can be processed to be paid.
  • the card company server 200 may process the payment payment process is normally performed even if the date of the sales information is a holiday.
  • the card company server 200 may receive the specific bank account information owned by the merchant owner from the merchant terminal through the merchant terminal 100, and may link the bank account and the prepaid account of the merchant.
  • the card company server 200 may issue a prepaid card linked to a prepaid account to an affiliate store owner, issue a check card linked to both the prepaid account and the bank account, or through the bank server 300. It can also be processed to be issued.
  • the affiliated store owner can freely use (pay, withdraw, etc.) the amount of money deposited in his or her prepaid account using the issued prepaid card or check card through the card company server 200 or the bank server 300. Can be provided.
  • the card company server 200 may allow a predetermined amount in a prepaid account to be transferred to a bank account linked to the prepaid account by various transfer methods such as immediate transfer, automatic transfer, overdraft transfer, and the like. This will be described in detail later with reference to FIG. 2.
  • the card company server 200 transmits the details information provided with the payment service using the prepaid account to the affiliated store terminal 100, allowing the merchant owner to check the service details in real time. You can also make it possible.
  • the bank server 300 may be a server operated by a bank that issued a specific bank account to the affiliated store owner, preferably a bank that has entered into an affiliate agreement with a card company of the present invention.
  • the bank server 300 may receive a request for inquiring the balance information of the bank account linked to the specific prepaid account of the merchant, from the card company server 200, and may transmit the balance information of the corresponding bank account to the card company server 200. have.
  • the bank server 300 may receive a request to withdraw a predetermined amount from the terminal in the bank (not shown) or the ATM (not shown) by using the merchant card. In this case, the bank server 300 may process the withdrawal amount to be withdrawn to the merchant owner if the withdrawal request amount is within the balance of the bank account corresponding to the check card.
  • the bank server 300 may check the balance of the prepaid account linked to the check card through communication with the card company server 200, and as a result If the withdrawal amount is within the sum of the balance of the bank account and the balance of the prepaid account, the amount may be withdrawn.
  • the bank server 300 may use the check card to limit the amount of the sum payment service using the prepaid account provided by the card company server 200, that is, the sum of the balance of the bank account and the balance of the prepaid account. Can support existing services.
  • FIG. 2 is a block diagram showing the configuration of a card company server 200 according to an embodiment of the present invention.
  • the card company server 200 is a service registration management unit 210, sales settlement unit 220, transfer management unit 230, card service provider 240, service history It may include a provider 250, a controller 260 and a communication unit 270.
  • the service registration management unit 210 may register a specific affiliate store as a target of providing a payout service using a prepaid account, or perform a procedure of terminating from the target of providing a service.
  • the service registration manager 210 may receive a service subscription request, which is a request to register a merchant as a target of providing a payout service using a prepaid account, from the affiliate terminal 100.
  • the service subscription request may include affiliate store-related information including the name, address, sales information, and the like of the affiliate store, and affiliate store owner-related information including the store owner's name, contact information, bank account information, and business registration information. Can be.
  • the service registration manager 210 may determine whether the corresponding affiliated store and the affiliated store owner satisfy the service subscription condition based on the affiliated store related information and the affiliated store owner related information. For example, it is possible to check whether the merchant is a sole proprietor, whether it is an electronic purchase rider, or whether the merchant satisfies the sales conditions related to the merchant sales.
  • the service registration management unit 210 may transmit a personal authentication request to the merchant owner, in response to the merchant card (credit card, check card, etc.) information or personal terminal (mobile phone, etc.) information of the merchant terminal 100 By receiving from), it is possible to perform the identity authentication for the merchant owner based on the information.
  • the service registration management unit 210 transmits a request for consent to various terms related to the payout service using a prepaid account to the affiliated store terminal 100, and indicates whether to agree to the service related terms. May receive from 100.
  • the service-related terms and conditions may include information regarding issuance of a registered prepaid account in the name of the affiliate store owner and payment of payments for the payment, information related to the declaration of the prepaid account and the merchant bank account.
  • the service-related terms and conditions are the card company server 200 service subscription guide information and its change guide information, service cancellation guide information, prepaid account payment amount, cumulative amount and transferable amount guide information, etc. It may include the content provided to the merchant owners through the guidance means, such as email, SMS, application PUSH notification, the service registration management unit 210 whether to agree to receive each of the guide information and the selection of the guidance means Information may be received from the affiliated store terminal 100.
  • the service registration management unit 210 is determined that the merchant and the merchant owner satisfies the service subscription conditions, the identity verification for the merchant owner has been completed, the service-related terms and conditions have been agreed at least in part A prepaid account may be issued to the merchant.
  • the prepaid account may be a newly issued account by the service registration management unit 210
  • the merchant terminal 100 may be an existing bank account of the name of the merchant owner to be input from the merchant owner.
  • the service registration management unit 210 when the issuance of the prepaid account, by linking the prepaid account with a specific bank account that is owned by the merchant owner designated by the merchant owner, the prepaid account later through the transfer management unit 230 A predetermined amount of may be transferred to the bank account.
  • the service registration management unit 210 may be selected from the merchant terminal 100 via the transfer management unit 230 the automatic transfer between the prepaid account and the bank account.
  • the card service may be provided within the sum of the balance of the prepaid account and the balance of the bank account by the card service provider 240 through the interworking of the prepaid account and the bank account.
  • the service registration management unit 210 may issue a prepaid card linked to the prepaid account, a check card linked to both the prepaid account and the bank account linked thereto, or be issued through the bank that issued the bank account to the affiliated owner. Can be processed.
  • the service registration manager 210 may notify the affiliated store terminal of the service subscription completion guide information.
  • the service registration management unit 210 performs a procedure for canceling a corresponding merchant from a service providing target when a reason for service termination occurs for a merchant registered in a payout service using a prepaid account. can do.
  • the service registration management unit 210 may exclude the merchant from the service provision target.
  • the service registration management unit 210 may process the payment received in the manner before the merchant is registered in the payout service using the prepaid account from the next day on the basis of when the service termination reason occurs.
  • the service registration management unit 210 may transmit the termination guidance information related to this to the merchant terminal 100.
  • the sales settlement unit 220 performs a process of constantly paying the card sales for the merchants registered in the payout service using the prepaid account and paying the settled card sales to the prepaid account corresponding to the merchant. Can be.
  • the sales settlement unit 220 calculates a final payment amount according to the sales information by subtracting a fee from the sales amount, that is, calculating the sales information. Corresponding sales data can be generated.
  • the sales settlement unit 220 may generate sales data at any time regardless of whether the sales information reception date is a holiday, and the next day based on the sales information generation date.
  • the final payment amount corresponding to the sales data may be processed to be paid to the prepaid account of the affiliate store.
  • the sales settlement unit 220 may allow the merchant owner to always receive the same day's revenue on the next day regardless of whether the sales day of the affiliate is a weekday or a holiday through his prepaid account.
  • the sales settlement unit 220 may transmit the payment details guide information to the affiliated store terminal 100 corresponding to the prepaid account when the final payment amount is paid to the prepaid account.
  • the transfer manager 230 may perform a transfer process between the prepaid account and the bank account linked thereto.
  • the transfer management unit 230 may receive a request to transfer a predetermined amount of the balance of the prepaid account from the merchant terminal 100 to the bank account linked to the prepaid account. .
  • the transfer management unit 230 may process all or part of the predetermined amount to be immediately transferred from the prepaid account to the bank account by limiting the balance of the prepaid account.
  • the transfer management unit 230 may process the balance of the prepaid account to be automatically transferred to the bank account linked to the prepaid account according to the automatic transfer method set in advance through the merchant terminal 100. .
  • the direct debit method is a designated amount method, when the balance of the prepaid account exceeds a predetermined amount, at least a portion of the balance of the prepaid account, preferably the designated amount is automatically debited to a bank account. It may be the way.
  • the designated amount is set to 1 million won
  • the balance of the prepaid account may be 1.1 million won as a result of the sales amount is settled by the sales settlement unit 220.
  • the transfer management unit 230 may process so that the specified amount of 1 million won of the 1.1 million won is transferred to the bank account.
  • the direct debit method may be a designated deposit date method, in which all or part of the prepaid account balance is automatically debited to a bank account when a predetermined date is reached.
  • the transfer manager 230 may process the balance of the prepaid account to be transferred to the bank account on the 10th of every month.
  • a predetermined deposit limit may be set in the prepaid account, in which case the transfer management unit 230, when the balance of the prepaid account exceeds the deposit limit, the deposit limit The amount of may be transferred from a prepaid account to a linked bank account.
  • the transfer management unit 230 may support merchants to freely transfer the amount deposited in the prepaid account to their bank account using various methods such as automatic transfer, individual transfer, and the like.
  • the transfer manager 230 may transmit the transfer details guide information to the affiliated store terminal 100 according to a preset guide means through the service registration manager 210.
  • the card service provider 240 may provide the merchant owner with a card service such as payment or withdrawal using a prepaid card or check card issued through the service registration manager 210.
  • a prepaid card linked to a prepaid account may be issued to the affiliated store owner by the service registration manager 210.
  • prepaid card service provider 240 may wish to pay a variety of goods and services using the prepaid card, card service provider 240 when the payment request using the prepaid card, the balance of the prepaid account associated with the prepaid card You can approve the prepaid card payment request, up to a limit.
  • the card service provider 240 may receive a withdrawal request using a prepaid card from an external ATM (not shown), and if the withdrawal requested amount is within the remaining balance of the prepaid account associated with the prepaid card, The withdrawal request may be processed for approval.
  • the withdrawal request using the prepaid card may be approved only when it is received from an ATM (not shown) designated by the card company server 200 in advance.
  • the service registration manager 210 may have issued a prepaid account and a check card linked to the bank account linked thereto to the affiliate store owner.
  • the card service provider 240 when the payment request using the check card, prepaid account and bank account linked to the check card After checking the balance of any one of the above, and if the amount requested for payment exceeds the balance of the confirmed account, the corresponding check card payment request is processed up to the sum of the balance of both the prepaid account and the bank account. can do.
  • the card service provider 240 may receive a check card payment request requesting a payment of 2 million won. At this time, the card service provider 240 may confirm that the balance of the prepaid account associated with the check card is 1 million won, and in this case, since the requested amount of payment exceeds the balance of the prepaid account, communication with the bank server 300 is performed. You can confirm that the balance of the bank account associated with the check card is 2 million won. Accordingly, the card service provider 240 may approve the payment request within the limit of 3 million won, which is the sum of 1 million won of the prepaid account and 2 million won of the bank account.
  • the card service provider 240 may receive a withdrawal request using a check card from the bank server 300 or an external ATM (not shown).
  • a check card from the bank server 300 or an external ATM (not shown).
  • any of a prepaid account and a bank account linked to the check card may be used. After checking one balance first, if the amount requested for withdrawal exceeds the balance of the verified account, the check card withdrawal request can be processed up to the sum of the balance of both the prepaid account and the bank account. have.
  • the card service provider 240 may receive a check card payment request requesting a withdrawal of 2 million won. At this time, the card service provider 240 may confirm that the balance of the bank account linked with the check card is 1 million won through communication with the bank server 300, in which case the withdrawal amount exceeds the balance of the bank account. Therefore, it can be confirmed that the balance of the prepaid account associated with the check card is 2 million won. Accordingly, the card service provider 240 may approve the withdrawal request within the limit of 3 million won, which is the sum of 1 million won of the balance of the bank account and 2 million won of the balance of the prepaid account.
  • the card service provider 240 may use the prepaid card or the check card to the amount of the sum of the balance of the bank account and the prepaid account linked to the card when providing the card service to the merchant owner. System can be provided.
  • the card company server 200 receives a payment request or a withdrawal request using a prepaid card or a check card, and describes only the configuration of checking the balance of the bank account through communication with the bank server 300, but the present invention is not limited thereto.
  • the bank server 300 may receive a payment request or a withdrawal request using a prepaid card or a check card, and check the balance of the prepaid account through communication with the card company server 200 to process the corresponding requests. to be.
  • the card service provider 240 When the card service using the prepaid card or the check card described above is completed, the card service provider 240 according to the preset means set in advance through the service registration management unit 210, the card service completion details guide information to the merchant It may be transmitted to the terminal 100.
  • the service history providing unit 250 may provide the affiliated store terminal 100 with details of operating a payout service using a prepaid account by the card company server 200.
  • the service history providing unit 250 may provide the details of the payment of the merchant's sales to the prepaid account by payment approval date, purchase date, and deposit date.
  • the service history providing unit 250 may provide the historical information transferred from the prepaid account to the bank account by date of transfer, type of transfer and channel requested for transfer (web page, application, call center, etc.), and from the prepaid account. Details of the withdrawal may be provided by date withdrawn, type of card used, and channel requested for withdrawal.
  • the control unit 260 includes a service registration management unit 210, a sales settlement unit 220, a transfer management unit 230, a card service provider 240, a service history provider 250, and a communication unit 270. Control the flow of data between the liver. That is, the control unit 260 according to the present invention is a service registration management unit 210, sales settlement unit 220, transfer management unit 230, card service provider 240, service history provider 250 and communication unit 270 ) Can be controlled to perform their own functions.
  • the communication unit 270 enables communication between the card company server 200 and an external server and an external device. Specifically, the card company server 200 enables communication with the affiliated store terminal 100 and the bank server 300.
  • FIG. 3 is a flowchart illustrating a process of registering a payout service using a prepaid account according to an embodiment of the present invention.
  • the affiliated store terminal 100 may transmit a subscription request for the corresponding service to the card company server 200 through an application, a web page, or a call center that provides a payout service using a prepaid account (S301).
  • the service subscription request may include affiliate store related information including the name, address, sales information of the affiliate store, and affiliate store owner related information including the name of the affiliate store, contact information, bank account information, and business registration information.
  • the card company server 200 may verify whether the affiliated store and the affiliated store owner satisfies the service subscription condition based on the service subscription request received through the step S301, and may also perform the identity verification process for the affiliated store owner. There is (S302).
  • the card company server 200 requests consent to the various terms related to the payment service using the prepaid account May be transmitted to the affiliated store terminal 100 (S303), and the affiliated store terminal 100 may transmit whether to agree to the service related agreement to the card company server 200 (S304).
  • the service-related terms and conditions are the card company server 200 service subscription guide information and its change guide information, service cancellation guide information, prepaid account payment amount, cumulative amount and transferable amount guide information, etc. It may include the content provided to the merchant owners through the guidance means, such as email, SMS, application PUSH notification, the service registration management unit 210 whether to agree to receive each of the guide information and the selection of the guidance means Information may be received from the affiliated store terminal 100.
  • the card company server 200 issues a prepaid account to the affiliate store owner when at least a part of the service related agreement is agreed through the step S304, and receives the prepaid account from the merchant terminal 100 through the step S301.
  • a bank account owned by the affiliated store owner may be linked (S305).
  • the card company server 200 may issue a prepaid card linked to the prepaid account issued in step S305 or a check card linked to the prepaid account and the bank account to the affiliated store owner (S306).
  • the card company server 200 may transmit the information to which the prepaid account and the bank account are interlocked and the prepaid card or the check card issued information to the bank server 300 through the step S305.
  • the bank server 300 stores the account interworking information and the card issuing information received through the step S307 in an internal database, so that the card service in which the corresponding prepaid account and the corresponding bank account balance are linked to the affiliate store owner later. Can be provided (S308).
  • the card company server 200 may transmit information indicating that the service subscription of the affiliated store requested in step S301 is completed to the affiliated store terminal 100 (S309).
  • FIG. 4 is a flowchart illustrating a process of paying a payout to a prepaid account according to an embodiment of the present invention.
  • the affiliated store terminal 100 may transmit sales information generated at the affiliated store to the card company server 200 (S401).
  • the card company server 200 may generate the sales data including the amount information to be finally paid to the prepaid account of the affiliate store by calculating the sales information (S402).
  • the card company server 200 may process the final payment amount corresponding to the sales data generated through the step S402 to be deposited into the prepaid account of the corresponding affiliated store (S403). ).
  • the step S402 and the step S403 may be performed at all times regardless of whether the time point is a holiday or a weekday, according to the merchant owner through his prepaid account, Regardless of whether the sales day of the merchant is a weekday or a holiday, the same day's sales can be paid the next day.
  • the card company server 200 may transmit, to the affiliated store terminal 100, the details of the payment of the sales amount of the corresponding affiliated store and the deposited payment through the step S403.
  • FIG. 5 is a flowchart illustrating a process of providing a transfer service and a card service according to an embodiment of the present invention.
  • the card company server 200 when the card company server 200 registers a specific merchant as a service target, the automatic transfer between the prepaid account of the merchant and the bank account linked thereto through the merchant terminal 100 from the merchant owner You can choose how it works.
  • the card company server 200 may allow the automatic transfer between the prepaid account and the bank account in the selected manner (S501).
  • the direct debit method is a designated amount method, when the balance of the prepaid account exceeds a predetermined amount, the designated amount may be automatically transferred to the bank account.
  • the direct debit method may be a designated deposit date method, in which all or part of the prepaid account balance is automatically debited to a bank account when a predetermined date is reached.
  • a predetermined deposit limit may be set in the prepaid account. In this case, when the balance of the prepaid account exceeds the deposit limit, the amount corresponding to the deposit limit is from the prepaid account. It can also be processed to transfer to the bank account linked to this.
  • the merchant terminal 100 may transmit a request for transferring a predetermined amount of the balance of the prepaid account to the bank account linked to the prepaid account to the card company server 200 (S502). ).
  • the card company server 200 may process all or part of the predetermined amount to be immediately transferred from the prepaid account to the bank account by limiting the balance of the prepaid account (S503).
  • the card company server 200 may receive a card payment request or a withdrawal request using a check card (S504).
  • the card company server 200 may check the balance of the prepaid account (S505), when the amount of the payment request or withdrawal requested through the step S504 exceeds the balance of the prepaid account, the bank server 300 to the The balance information of the bank account linked to the prepaid account may be requested (S506).
  • the bank server 300 may transmit the balance information of the bank account to the card company server 200 (S507), through which the card company server 200 limits the sum of the balance of both the prepaid account and the bank account. By processing the card payment request or withdrawal request (S508).
  • the card company server 200 first checks the balance of the prepaid account and then checks the balance of the bank account associated with the prepaid account when the card payment or withdrawal request is made for convenience of description. It doesn't happen.
  • the card company server 200 performs the step S505 only after checking the prepaid account balance,
  • the payment request or withdrawal request using the prepaid card may be processed only with the balance of the prepaid account.
  • the card company server 200 may collectively transmit the details of the payment service using the prepaid account to the affiliated store terminal 100 (S509).
  • the card company server 200 may provide details of payments received by the merchant in the prepaid account by payment approval date, purchase date, and deposit date.
  • the card company server 200 may provide the transfer information from the prepaid account to the bank account by date transferred, transfer type and transfer requested channel, and withdrawal history information, withdrawal from the prepaid account by date, use It can be provided for each card type and for each channel requested for withdrawal.
  • a card company issues an account owned by a card company to a service target affiliated store, and pays the card sales of the affiliated store to the card company owned account on the next day of purchase regardless of whether there is a holiday.
  • Shares can be easily used by the merchants regardless of weekdays or holidays using a card linked to the card company owned account.
  • the sum of the balance of the merchant owner-owned account and the balance of the card company-owned account is limited to the limit. It is possible to provide a system that can use prepaid or debit cards.

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

Abstract

Selon un mode de réalisation, la présente invention concerne un procédé selon lequel un serveur de société de cartes paie les sommes de ventes en cartes à un magasin affilié, le procédé comprenant les étapes consistant à : (a) une fois que des données de vente sont générées sur la base d'informations sur les ventes de la journée, obtenues à partir d'un terminal de magasin affilié, traiter les sommes des ventes en cartes de manière à ce qu'elles soient déposées dans un compte, possédé par la société de cartes, après un temps prédéfini ; et (b) notifier le dépôt au terminal associé au magasin affilié.
PCT/KR2018/008231 2018-03-08 2018-07-20 Procédé et serveur de paiement de sommes de ventes en cartes à l'aide d'un compte possédé par une société de cartes WO2019172489A1 (fr)

Applications Claiming Priority (2)

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KR1020180027395A KR102079151B1 (ko) 2018-03-08 2018-03-08 카드사 소유 계좌를 이용한 카드 매출대금 지급 방법 및 서버
KR10-2018-0027395 2018-03-08

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KR20150062520A (ko) * 2013-11-29 2015-06-08 주식회사 밴트랙스 카드 매출을 담보로 하는 대출 관리 방법, 시스템 및 관리 서버
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US11468415B2 (en) * 2020-03-17 2022-10-11 Bank Of America Corporation Automated transaction processing based on cognitive learning
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KR20190106224A (ko) 2019-09-18

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