WO2021117932A1

WO2021117932A1 - System for paying credit card approved amount to affiliated store in real time

Info

Publication number: WO2021117932A1
Application number: PCT/KR2019/017526
Authority: WO
Inventors: 최천욱
Original assignee: 최천욱
Priority date: 2019-12-11
Filing date: 2019-12-11
Publication date: 2021-06-17

Abstract

The present invention relates to a system for paying a credit card approved amount to an affiliated store in real time, comprising: an affiliated store terminal (11) including an identification information input module (21) so as to include identification information in payment information about the card used by a card user, thereby transmitting same to a card company server (12); the card company server (12) in which an immediate payment module (31) refers to a loan information DB (43) so as to transmit deposit information to a bank when the loan of the affiliated store is within a limit; and an identification information addition module (32) including identification information in the deposit information so that the amount paid by the card user is deposited as is in an affiliated store account (14).

Description

A system that pays the credit card approval amount to the affiliated store in real time

The present invention relates to a system for real-time payment of a credit card approval amount to an affiliated store.

The present invention relates to a system for real-time payment of a credit card approval amount to an affiliated store. Currently, the amount paid by credit or debit card is received by the credit card company after the approval number is issued, and is deposited into the designated account of the affiliated store in about 2 to 3 days. However, the amount deposited into the designated account is usually deposited 2 to 3 days prior to the total amount paid for the whole day, excluding fees, so if a card payment is received from several customers, who pays how much and how much? It is often difficult to know whether the fee has been paid. If there are not many payment by card and less than one payment is made a day, you can check who paid how much on one day and check the amount deposited, but as in recent times, you can pay by card even in units of several thousand won or several hundred won. In an era where things are common, it is not easy to accurately calculate sales unless the amount paid individually and the amount deposited are not settled.

Also, if you pay with a credit card and cancel immediately after payment, you can find out what was canceled, but if the reason for cancellation occurs later after providing all services at a restaurant or gas station, the credit card company uses the approval number Although the credit card company may process it incorrectly, it was very difficult to check how the card company handled it one by one.

In addition, in the case of post-cancellation, it can be counted as sales in the POS, but the actual card sales are canceled, so the amount is different from the actual sales.

*Especially, even if dozens to hundreds of payments are made a day like restaurants and gas stations, the credit card company collects all the sales that day and deposits them all at once, excluding commissions, so the card payment was successful and the deposit was made properly from the bank. There is no way to determine how much the recognition fee has been deducted. However, as the use of credit cards increases, payment by credit card is often done by card, ranging from several hundred won to several thousand won. Therefore, when paying by card, by receiving specific data about where and how the actual sales occurred and how much commission was added, etc. The need for transparent accounting management has increased.

In this regard, in the case of Korean Patent Application No. 10-2000-0000978, 'Real-time cash payment processing method through cash card', the method of checking the amount for cash settlement when using a cash card and transferring it to the account of the store has never been updated. However, this was limited to cash cards.

The present invention has been devised to solve the above problems, and the purpose of the present invention is to improve the cash flow of merchants by allowing the payment to be deposited in real time at the same time as the card payment, and to enable the card payment information to be used for sales management .

In order to achieve the above object, a system for real-time payment of a credit card approval amount to an affiliated store is provided. The affiliated store terminal 11 includes an identification information input module 21 to identify the payment information of the card used by the card user. The information is transmitted to the card company server 12 by including the information, and the card company server 12 sends the deposit information to the bank when the instant payment module 31 refers to the credit information DB 43 and the credit of the affiliated store is within the limit. However, the identification information addition module 32 can include the identification information in the deposit information so that the amount paid by the card user is directly deposited into the merchant account 14 .

The fee calculation module 33 calculates the fee for each approved transaction each time payment is approved, stores it in the fee information DB 42, and allows only the fee to be withdrawn from the merchant account every predetermined period to deposit the paid amount and claim the fee can be done separately.

The identification information allows different identification information to be input according to the business type of the affiliated store.

The identification information may include any one or more of a table number, destination and departure point, vehicle number, operating time, driving distance, and the name of the product traded.

The identification information input module may be linked to the POS of the affiliated store to receive some of the POS information to generate identification information.

According to the invention as described above, there is an effect of providing a method for enabling real-time deposit of a card payment amount.

1 is a view showing an embodiment according to the present invention;

Hereinafter, the present invention will be described in detail with reference to the accompanying drawings. 1 is a diagram showing the configuration of a system according to the present invention. In the case of the system according to the present invention, when a user using a credit or debit card pays for a service or product purchase using a card at an affiliated store, the payment is made through the affiliated store terminal 11 using the user's card. The request is made, and the van operator connected to the affiliated store terminal 11 performs an approval inquiry.

A van operator (VAN, value-added communication network) refers to a business that borrows a line from a public telecommunication service provider and configures a network to connect card companies and affiliates to facilitate payment. . In addition, the approval information from the card company is passed back to the affiliate store through the van operators. Since the van operator must go through the current card company when trying to use the card company, for convenience, in the present invention, the van operator and the card company are collectively referred to as the card company.

In addition, there may be cases in which a card company is connected without a van operator, and the present invention includes such cases. In the present invention, the payment information transferred to the van operator is delivered to the card company as it is, and in the present invention, the affiliated store adds identification information to the card company, such as the card number and payment amount, in addition to the previously passed information and sends it.

The identification information may be transmitted by automatically generating additional information such as a table number in the POS connected to the affiliated store terminal 11 , and may be a method of directly inputting information such as a vehicle number to the affiliated store terminal 11 . To this end, the affiliated store terminal 11 may include an identification information input module 21 .

The identification information input module 21 may be an input means such as a keyboard or a means for combining information received from the POS with payment information as described above.

Identification information is required to make it easier to organize card payment details for each payment when the merchant handles accounting, and it is sent along with the payment information sent to the van operator or credit card company when making a card payment. It depends on the type of merchant's business. Therefore, there may be differences in the information sent.

For example, in the case of a restaurant, information such as a table number, a car number in the case of a gas station, and an abbreviation indicating the departure and destination in the case of a taxi may be extracted by the identification information input module 21 and transmitted together with the payment information. The transmitted information arrives from the card company, and when the card company's immediate payment module 33 pays the fee paid to the merchant's account, the identification information addition module 32 sends the identification information to the bank along with the payment of the cost. They can be added and sent together. The identification information addition module 32 can add identification information to the information transmission column by the identification information addition module 32 if information other than the depositor can be added depending on the bank. can have the above information sent to The identification information addition module 32 allows to add identification information to an appropriate location according to the industry according to the situation. If there is enough space to display the identification information, additional information such as an ordered menu can be added in addition to the table number. In the case of taxis, in addition to destination and departure information, travel distance and operating time can be added.

When a user uses a credit card or debit card at a merchant, payment information is sent to the card company. The payment information may include identification information in addition to details such as payment time, payment amount, and merchant name, and the card company server 12 pays the merchant. Deposit the full amount The immediate payment module 33 stores the transaction details including the approval details in the transaction history DB 41 and determines whether the credit of the affiliated store is immediately payable by referring to the credit information DB 43 . In addition, the fee calculation module 33 calculates the fee generated by immediate payment and stores it in the fee information DB 42 for each affiliate store. The immediate payment module 33 refers to the affiliated store account DB 44 so that the payment is made immediately to the affiliated store's account through the bank 13, and at this time, the identification information is also transmitted.

Conventionally, a few days after the payment is made, the amount excluding the fee is combined with other payment cases and deposit is made at once. According to the present invention, when the payment is made and the approval number is displayed, the deposit is made immediately or as soon as possible, even if not immediately. The entire amount, excluding fees, is remitted from the approved amount, and is transmitted along with an identification code that can identify any one or more of the payment target, method, time, and type of sales.

However, when the actual payment amount is deposited into the merchant's account, it is easy to match the actual payment amount, making it easier to manage sales and accounting. In addition, from the point of view of the affiliated store, it has the same effect as receiving cash in fact because the funds are rotated faster.

From the credit card company's point of view, it is possible to reduce the risk of prepayment by separately managing the credit information of the affiliated store and making advance payment to the affiliated store, as well as reducing the risk of advance payment by separately charging the fee every week or every day instead of monthly. Since the fee rate is the same for each card company and each merchant, if you make a daily claim, the burden of prepayment of the fee that the card company has to pay separately can be greatly reduced. There will be no difference, but from the point of view of the franchisee, settlement becomes very convenient.

Depending on the business type of the franchisee, the fee can be separately calculated and charged monthly/weekly/day like this, and since it is deposited just a few days earlier than the conventional deposit in 2-3 days, even if it is the most burdensome case, the franchisee It is not too much of a burden because you only have to pay an additional 3 days of interest.

In addition, since the credit card company sends identification information when making a deposit, in the case of a restaurant, if the identification information is sent together with the table information, it is possible to check the specific information about the amount calculated on the table at several months, days, and times through the account. do. In the conventional case, it can be checked on the POS, but the amount deposited into the account is different from the POS. In the POS, cash and card payments are mixed, and it can be modified and deleted afterward. Therefore, when POS information is used as it is for sales settlement, the reliability is lowered. The degree of error was taken into account and used in the calculation of sales. However, according to the present invention, the account connected to the credit card company is helpful in sales management because the amount of calculation for each hour and table of the day is immediately stamped and the deposit is made.

In the case of taxis, fares in the unit of several thousand won are also often paid by card or mobile phone, but since the operation information and fare information are not linked, it is not meaningful to analyze the operation information. However, according to the present invention, the deposit is paid immediately If the identification information included in the information is used, it is possible to generate more revenue by analyzing the operation information using the operation time, travel distance, destination and departure point, and fare information.

In the case of gas stations, since real-time deposits allow easier access to hourly sales details, it is advantageous for adjustment of operating personnel. Even in the prior art, if you make a request to a card company, you can receive hourly data for payment, but you have to make a separate request each time, and it is difficult to receive daily details every time, so hourly sales analysis has hardly been done, but according to the present invention, it can be easily done have.

The card company adds identification information when receiving payment information, stores all payment-related information in the transaction history DB 41, and then the fee calculation module 33 calculates the fee and stores it in the fee information DB 42 and the immediate payment settlement module 33 allows the deposit to be made to the pre-stored deposit account of the affiliated store. At this time, the instant payment settlement module 33 extracts the identification information stored in the transaction information DB 41 and writes it in the additional information or depositor column when depositing so that it can be usefully utilized when the affiliate store analyzes sales. .

In particular, in industries where a large number of payments are made with a similar amount (restaurants, gas stations, etc.), if only real-time payments are made, it is difficult to know who paid for what if there are many customers paying similar amounts at the same time. cases often arise.

For example, when paying at a gas station, there are many cases of paying in units of 10,000 won, but if there are customers who pay around 4,500 won, there may be dozens of cars paying the same amount in an hour. However, if it is not possible to identify who caused each payment amount, it is meaningless. If 6 vehicles came in and paid 50,000 won each, you should be able to immediately check which vehicle made the payment, but if this is not confirmed, you have to check the payment time and approval number, etc. When the process is very complicated, as in the present invention, when the identification information is added and delivered, it is immediately known who made the payment.

In case of cancellation of payment, the credit card company has paid the entire amount including the fee to the merchant, so the card company will request a refund of the entire amount including the fee, and interest on the fee paid in advance may be charged separately.

In addition, in another embodiment of the present invention, a case in which the bank includes the identification information addition module 32 and the immediate payment module 31 and the like is taken as an example. To this end, when payment is made by card, the affiliated store terminal 11 sends both payment information to the bank and the card company, and when the bank server receives a notification of the approval number from the card company server, the immediate payment module of the bank server sends the identification information addition module 32 After adding identification information to the remittance history, the remittance proceeds. Because it is the bank that ultimately carries out the real-time remittance, if the bank has remittance information in advance and sends the remittance after receiving the approval number from the card company server, the remittance can be made faster.

(Explanation of symbols)

11: Merchant terminal 12: Card company server

13: Bank 14: Merchant Account

21: identification information input module 31: immediate payment module

32: identification information addition module 33: fee calculation module

41: Transaction history DB 42: Fee information DB

43: Credit information DB 44: Merchant account DB

Claims

As a system that pays the credit card approval amount to the affiliated store in real time,

The merchant terminal 11 includes the identification information input module 21 and includes the identification information in the payment information of the card used by the card user and transmits it to the card company server 12 ,

The card company server 12 allows the immediate payment module 31 to transmit deposit information to the bank when the credit of the affiliated store is within the limit by referring to the credit information DB 43 .

The identification information addition module 32 includes the identification information in the deposit information,

A system that pays the credit card approval amount to the merchant in real time so that the amount paid by the card user is directly deposited into the merchant account 14
The amount of the payment according to claim 1, wherein the fee calculation module (33) calculates a fee for each approved transaction each time payment is approved and stores it in the fee information DB (42), and allows only the fee to be withdrawn from the merchant account every predetermined period. A system that pays the credit card approval amount to the affiliated store in real time, so that the deposit and the fee are charged separately
The system according to claim 2, wherein the identification information pays the credit card approval amount to the affiliated store in real time so that different identification information is input according to the type of business of the affiliated store.
The method of claim 3, wherein the identification information includes any one or more of a table number, destination and departure point, vehicle number, operating time, driving distance, and the name of the product transacted. system
The system according to claim 4, wherein the identification information input module is interlocked with the merchant's POS to receive some of the POS information to generate identification information, and to pay the credit card approval amount to the merchant in real time.