KR102775997B1 - Real time remittance system for credit card - Google Patents

Abstract

The present invention relates to a system for paying a credit card approval amount to a merchant in real time. The merchant terminal (11) includes an identification information input module (21) to include identification information in the payment information of a card used by a card user and transmit it to a card company server (12). The card company server (12) causes an immediate payment module (31) to refer to a credit information DB (43) and transmit deposit information to a bank if the merchant's credit is within the limit. The identification information addition module (32) includes identification information in the deposit information so that the amount paid by the card user is deposited as is in the merchant account (14).

Description

{REAL TIME REMITTANCE SYSTEM FOR CREDIT CARD} A system that pays credit card approval amounts to merchants in real time

The present invention relates to a system for paying a credit card approval amount to a merchant in real time.

The present invention relates to a system for paying credit card approval amounts to merchants in real time. Currently, amounts paid by credit or check cards are deposited into the merchant's designated account in about 2 to 3 days after the approval number is issued and received by the card company. However, since the amount deposited into the designated account is usually the entire amount paid in one day 2 to 3 days ago, minus the fee, it is often difficult to know who paid how much and how much fee was paid when card payments are received from multiple customers. If the number of card payments is not large and less than one payment is made per day, it is possible to check who paid how much on which day by looking at the deposited amount. However, in recent times when it is common to pay by card in units of several thousand won or several hundred won, it is not easy to accurately calculate sales unless the payment amount and the deposited amount are matched and settled individually.

Also, if you pay with a credit card and cancel, you can find out which items were canceled if you cancel immediately after payment, but if the reason for cancellation arises later after all services have been provided at a restaurant or gas station, the credit card company cancels based on the approval number, but the credit card company may process it incorrectly, and it is very difficult to check one by one how the credit card company processed it.

In addition, in the case of post-cancellation, it may be recorded as sales on the POS, but since the actual card sales are cancelled, there is a disadvantage in that the actual sales amount does not match when settling.

Especially in the case of restaurants, gas stations, etc. where there are tens to hundreds of payments per day, currently, the card company gathers all the sales made that day, deducts the fee, and deposits the money all at once, so there is no way to check whether the card payment was properly deposited by the bank and how much the fee was deducted. However, as the use of credit cards has increased, there are often cases where payments are made by card in amounts ranging from a few hundred to a few thousand won, so the need for transparent accounting management has increased by receiving specific data on where and how actual sales were made and how much fee was charged when making a card payment.

In relation to this, in the case of Korean Patent Application No. 10-2000-0000978, 'Real-time cash payment processing method using a cash card', a method of checking the amount for cash payment when using a cash card and transferring it to the seller's account was introduced, but this was limited to cash cards.

The present invention has been devised to solve the above-mentioned problems, and aims to improve the cash flow of merchants by allowing payment amounts to be deposited in real time simultaneously with card payment, and to enable card payment information to be used for sales management.

In order to achieve the above-mentioned purpose, a system for paying a credit card approval amount to a merchant in real time is provided. The merchant terminal (11) includes an identification information input module (21) to include identification information in the payment information of the card used by the card user and transmit it to the card company server (12). The card company server (12) enables the immediate payment module (31) to refer to the credit information DB (43) and transmit deposit information to the bank if the merchant's credit is within the limit. The identification information addition module (32) enables the identification information to be included in the deposit information so that the amount paid by the card user is deposited as is in the merchant account (14).

The fee calculation module (33) calculates the fee for each approved transaction every time a payment is approved and stores it in the fee information DB (42). It also allows only the fee to be withdrawn from the merchant account at predetermined intervals so that the deposit of the paid amount and the billing of the fee can be done separately.

Different identification information is entered depending on the type of business of the affiliated store.

Identification information may include one or more of the following: table number, destination and departure points, vehicle number, operating time, operating distance, and name of the traded product.

The above identification information input module can be linked to the affiliated store's POS to receive some of the POS information and generate identification information.

The invention as described above has the effect of providing a method for enabling real-time deposit of card payment amounts.

Figure 1 is a drawing showing an embodiment according to the present invention.

Hereinafter, the present invention will be described in detail with reference to the attached drawings. Figure 1 is a drawing showing a configuration diagram of a system according to the present invention. In the system according to the present invention, when a user using a credit card or check card uses the card to pay for a service or purchase of goods at a merchant, the user requests payment through the merchant terminal (11) using the card, and a vendor connected to the merchant terminal (11) checks for approval.

A VAN (Value-Added Network) is a business that leases a line from a public telecommunications company, configures a network, connects card companies and merchants, and facilitates payment. Payment request information passed to the VAN is then passed on to the card company. In addition, approval information from the card company is passed on to the VAN to the merchant. Since a VAN must currently go through a card company when attempting to use a card company, for convenience, the VAN and the card company are collectively referred to as the card company in the present invention.

In addition, there may be cases where a connection is made to a card company without a vendor, and the present invention includes such cases. In the present invention, payment information transferred to a vendor is directly transferred to the card company, but in the present invention, the merchant sends identification information in addition to the information previously transferred to the card company, such as card number and payment amount.

Identification information can be automatically generated and transmitted as additional information, such as a table number, from a POS connected to a merchant terminal (11), or information, such as a vehicle number, can be directly input into the merchant terminal (11). For this purpose, the merchant terminal (11) can include an identification information input module (21).

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

Identification information is required to facilitate organizing card payment details by payment transaction when processing accounting at the merchant. When making a card payment, it is sent together with the payment information sent to the merchant or card company. However, the information sent may differ depending on the merchant's business type.

For example, in the case of a restaurant, information such as table number, in the case of a gas station, vehicle number, and in the case of a taxi, abbreviations indicating the departure and arrival points can be extracted by the identification information input module (21) and transmitted together with the payment information. The information transmitted in this way can be sent together with the information sent to the bank along with the payment when the card company's immediate payment module (33) pays the payment made to the merchant's account by the identification information addition module (32). Depending on the bank, the identification information addition module (32) can add information other than the depositor, so that the identification information can be added to the information transmission field, and if it cannot add information other than the depositor, the above information can be sent instead of the depositor. The identification information addition module (32) can add identification information to an appropriate location depending on the business type and situation. If there is sufficient space to display the identification information, information such as the ordered menu can be added in addition to the table number. For taxis, in addition to the destination and departure location information, you can also add information such as the travel distance and travel time.

When a user uses a credit or debit card at a merchant, the payment information is sent to the card company. The payment information may include identification information in addition to payment time, payment amount, and merchant name, and the card company server (12) deposits the entire amount paid to the merchant. The immediate payment module (33) stores transaction details including approval details in the transaction details DB (41) and determines whether the merchant's credit is sufficient for immediate payment by referring to the credit information DB (43). In addition, the fee calculation module (33) calculates the fee incurred by immediate payment and stores it in the fee information DB (42) for each merchant. The immediate payment module (33) refers to the merchant account DB (44) to ensure that payment is made immediately to the merchant's account through the bank (13), and at this time, identification information is also transmitted.

In the past, a few days after a payment was made, the amount minus the fee was combined with other payments and deposited all at once. However, according to the present invention, when a payment is made and an approval number is issued, the deposit is made immediately, or if not immediately, as quickly as possible, and the entire amount excluding the fee from the approved amount is remitted, along with an identification code that can identify at least one of the payment counterparty, means, time, and type of sale.

However, since the actual payment amount is deposited into the merchant's account, it is easy to match it with the actual payment amount, making sales and accounting management convenient. Also, from the merchant's perspective, since the cash turnover is faster, it has the same effect as receiving cash.

From the card company's perspective, since they manage the merchant's credit information separately and make advance payments to the merchant, not only is the risk burden reduced, but the risk due to advance payments can also be reduced by separately charging the fee every week or every day instead of every month. Since the fee rate is the same for each card company and merchant, if charging daily, the burden of advance payments that the card company must bear separately can be greatly reduced, and there is not much difference between deducting the fee from the real-time payment amount or charging the fee at a specific time every day, but from the merchant's perspective, settlement becomes very convenient.

Depending on the type of business of the franchise, fees can be calculated and charged separately on a monthly/weekly/daily basis, and since the deposit is made a few days faster than the previous 2-3 days, even in the case of the largest burden, the franchise only has to pay 2-3 days more in interest, so it is not a big burden.

In addition, since the card company sends identification information together when making a deposit, if the restaurant sends table information together with the identification information, it is possible to check specific information such as the amount calculated at which table, at which time, on which month, and on which day through the account. In the past, it was possible to check on the POS, but the amount deposited into the POS and the account was different, and since cash and card payments are mixed in the POS and can be modified or deleted later, the reliability is low if the POS information is used as it is for sales settlement, but it was used for sales calculation while taking into account a certain degree of error. However, in the case of the present invention, the calculation amount by table for each day is immediately printed and deposited into the account linked to the card company, which is helpful for sales management.

In the case of taxis, fares that are calculated in units of several thousand won are often paid by card or mobile phone these days, but since the operation information and fare information are not linked, analyzing the operation information has not been very meaningful. However, in the case of the present invention, by using the identification information included in the deposit information that is paid immediately, it is possible to generate more profits by analyzing the operation information using the operation time, operation distance, destination and departure points, and fare information.

In the case of gas stations, real-time deposits make it easier to access hourly sales details, which is advantageous in adjusting operating personnel. In the past, it was possible to receive hourly payment data by requesting the card company, but a separate request had to be made each time, and it was difficult to receive daily details each time, so hourly sales analysis was rarely done. However, this can be easily done with the present invention.

When the card company receives payment information, it adds identification information and 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 module (33) deposits the money into the pre-stored deposit account of the merchant. At this time, the immediate payment module (33) extracts the identification information stored in the transaction information DB (41) and records it in the additional information or depositor column when making the deposit, so that the merchant can utilize it usefully when analyzing sales.

Especially in industries where a large number of payments of similar amounts occur (e.g. restaurants, gas stations), if only real-time payments are made, there are often cases where it is not possible to know who paid for what when there are many customers paying similar amounts at the same time.

For example, when paying at a gas station, it is often the case that payments are made in units of 10,000 won, and if there are customers paying in units of 40,000, 50,000, or 60,000 won, dozens of cars may pay the same amount in one hour. However, if it is not possible to identify who made each payment, it becomes meaningless. If 6 cars come in and each pay 50,000 won, it should be possible to immediately identify which car made the payment, but if this is not possible, the payment time, approval number, etc. must be checked and compared, which makes processing very complicated in cases such as cancellations. However, if identification information is added and transmitted as in the present invention, it is possible to quickly identify who made the payment.

In the case of payment cancellation, the card company will request a refund of the entire amount including the fee, since it has paid the entire amount including the fee to the merchant. Interest on the prepaid fee may be charged separately.

In addition, in another embodiment of the present invention, a case where a bank includes an identification information addition module (32) and an immediate payment module (31) is taken as an example. To this end, when payment is made by card, the merchant terminal (11) sends all payment information to the bank and the card company, and when the bank server receives an approval number notification from the card company server, the immediate payment module of the bank server operates the identification information addition module (32) to add the identification information to the remittance details and then proceed with the remittance. Since the bank ultimately carries out the real-time remittance, if the bank has the remittance information in advance and then proceeds with the remittance after receiving the approval number from the card company server, the remittance can be made faster.

11: Merchant terminal 12: Card company server
13: Bank 14: Merchant Account
21: Identification information input module 31: Immediate payment module
32: Additional identification information module 33: Fee calculation module
41: Transaction history DB 42: Fee information DB
43: Goddess Information DB 44: Merchant Account DB

Claims (5)

A system that pays credit card approval amounts to merchants in real time.
The merchant terminal (11) includes an identification information input module (21) and transmits the identification information to the card company server (12) by including the payment information of the card used by the card user.
The card company server (12) enables the immediate payment module (31) to refer to the credit information DB (43) and transmit deposit information to the bank server when the credit of the merchant is within the limit.
The identification information addition module (32) includes identification information in the deposit information.
The amount paid by the card user is deposited directly into the merchant account (14).
The fee calculation module (33) calculates the fee for each approved transaction every time a payment is approved and stores it in the fee information DB (42). It also withdraws only the fee from the merchant account at predetermined intervals so that the deposit of the paid amount and the billing of the fee are made separately. Different identification information is entered depending on the merchant's business type.
A system that pays credit card authorization amounts to merchants in real time, with identification information including at least one of the following: table number, destination and departure points, vehicle number, driving time, driving distance, and name of the product traded. delete delete delete In the first paragraph, the identification information input module is linked to the merchant's POS and receives some of the POS information to create identification information, and is a system that pays the credit card approval amount to the merchant in real time.