WO2020222558A3 - 정산 서버 및 그 방법 - Google Patents

정산 서버 및 그 방법 Download PDF

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Publication number
WO2020222558A3
WO2020222558A3 PCT/KR2020/005758 KR2020005758W WO2020222558A3 WO 2020222558 A3 WO2020222558 A3 WO 2020222558A3 KR 2020005758 W KR2020005758 W KR 2020005758W WO 2020222558 A3 WO2020222558 A3 WO 2020222558A3
Authority
WO
WIPO (PCT)
Prior art keywords
account
payment
settlement server
information
settlement
Prior art date
Application number
PCT/KR2020/005758
Other languages
English (en)
French (fr)
Other versions
WO2020222558A2 (ko
Inventor
박경양
Original Assignee
주식회사 하렉스인포텍
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by 주식회사 하렉스인포텍 filed Critical 주식회사 하렉스인포텍
Priority to US17/607,704 priority Critical patent/US20220215359A1/en
Publication of WO2020222558A2 publication Critical patent/WO2020222558A2/ko
Publication of WO2020222558A3 publication Critical patent/WO2020222558A3/ko

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/04—Billing or invoicing
    • 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
    • G06Q20/102—Bill distribution or payments
    • 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
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • 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
    • G06Q20/16—Payments settled via telecommunication 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

Landscapes

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

Abstract

본 발명은 가맹점 지급 정산과 계좌 관리를 수행하는 정산 서버 및 그 방법에 관한 것이다. 본 발명에 따른 정산 서버는 결제 승인에 따른 서비스 사업자 계좌로의 입금 정보와 결제 정보를 수신하는 수신부와, 입금 정보와 결제 정보를 이용하여 가맹점 지급 정산을 수행하는 프로그램이 저장된 메모리 및 프로그램을 실행시키는 프로세서를 포함하되, 프로세서는 은행 별 서비스 사업자 계좌 간의 밸런스 조정을 수행하는 것을 특징으로 한다.
PCT/KR2020/005758 2019-04-30 2020-04-29 정산 서버 및 그 방법 WO2020222558A2 (ko)

Priority Applications (1)

Application Number Priority Date Filing Date Title
US17/607,704 US20220215359A1 (en) 2019-04-30 2020-04-29 Settlement server and method thereof

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2019-0050391 2019-04-30
KR1020190050391A KR102288517B1 (ko) 2019-04-30 2019-04-30 정산 서버 및 그 방법

Publications (2)

Publication Number Publication Date
WO2020222558A2 WO2020222558A2 (ko) 2020-11-05
WO2020222558A3 true WO2020222558A3 (ko) 2020-12-24

Family

ID=73029389

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/KR2020/005758 WO2020222558A2 (ko) 2019-04-30 2020-04-29 정산 서버 및 그 방법

Country Status (3)

Country Link
US (1) US20220215359A1 (ko)
KR (1) KR102288517B1 (ko)
WO (1) WO2020222558A2 (ko)

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR102395117B1 (ko) * 2021-09-08 2022-05-09 쿠팡 주식회사 판매된 아이템에 대한 정산을 위하여 정보를 처리하는 전자 장치 및 그 방법
CN113935821A (zh) * 2021-09-15 2022-01-14 中电金信软件有限公司 银行业务中结算手续费的方法、装置、电子设备及介质

Citations (5)

* Cited by examiner, † Cited by third party
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JP2002083235A (ja) * 2000-06-29 2002-03-22 Hitachi Ltd 決済装置及び決済方法
KR20070080884A (ko) * 2006-02-09 2007-08-14 주식회사 인터파크지마켓 전자상거래에서의 매매 수행 시스템, 방법 및 그 기록매체
JP4198473B2 (ja) * 2001-05-23 2008-12-17 惇郎 奴田原 預金残高自動調整システム及びその方法
KR20090034460A (ko) * 2007-10-04 2009-04-08 나이스정보통신주식회사 신용결제 승인내역 정산관리시스템
KR20190022002A (ko) * 2017-08-25 2019-03-06 황규성 은행 중개 기반의 여신금융 일일 정산 서비스 시스템

Family Cites Families (10)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
AU2613300A (en) * 1999-01-15 2000-08-01 Cybuy Llc System and method for transaction enabled advertising
US20020128964A1 (en) * 2001-03-08 2002-09-12 Dewayne Baker Electronic exchange and settlement system for cash letter adjustments for financial institutions
US7941368B2 (en) * 2001-05-08 2011-05-10 Advent IP LLC System and method for electronic transaction settlement
WO2006002294A2 (en) * 2004-06-22 2006-01-05 Eric Hirschhorn Methods and apparatus for online foreign currency exchange
US8025213B2 (en) * 2005-10-31 2011-09-27 Sandra Hartfield Automatic settlement of user account with creditor from transaction kiosk
US20090070256A1 (en) * 2007-09-04 2009-03-12 Skycash Sp. Z O.O. Systems and methods for payment
US20100274687A1 (en) * 2009-04-27 2010-10-28 Bank Of America Corporation Customer-defined account management rules for improved linked financial institution account management
WO2011103520A1 (en) * 2010-02-18 2011-08-25 Bling Nation, Ltd. Automated transaction system and settlement processes
US20120310778A1 (en) * 2011-06-03 2012-12-06 Uc Group Limited Systems and methods for clearing and settling transaction activity
US10929824B2 (en) * 2015-01-19 2021-02-23 Mobile Capital Group, Inc Systems and methods for transferring funds in real time

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002083235A (ja) * 2000-06-29 2002-03-22 Hitachi Ltd 決済装置及び決済方法
JP4198473B2 (ja) * 2001-05-23 2008-12-17 惇郎 奴田原 預金残高自動調整システム及びその方法
KR20070080884A (ko) * 2006-02-09 2007-08-14 주식회사 인터파크지마켓 전자상거래에서의 매매 수행 시스템, 방법 및 그 기록매체
KR20090034460A (ko) * 2007-10-04 2009-04-08 나이스정보통신주식회사 신용결제 승인내역 정산관리시스템
KR20190022002A (ko) * 2017-08-25 2019-03-06 황규성 은행 중개 기반의 여신금융 일일 정산 서비스 시스템

Also Published As

Publication number Publication date
KR102288517B1 (ko) 2021-08-10
WO2020222558A2 (ko) 2020-11-05
KR20200126582A (ko) 2020-11-09
US20220215359A1 (en) 2022-07-07

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