KR20010088970A - System and Method for Credit card service linked with credit loan service whose bounds are limited with the amount of selling - Google Patents

Abstract

PURPOSE: A credit card service system linking sales with a credit lending limit and a method thereof are provided to make a credit card member store use necessary portion of a selling amount before receiving the selling amount from a credit card company by reflecting the sales to a credit lending limit in proportion to the sales with respect to the credit card member store. CONSTITUTION: Credit card inquiring devices(1-1,1-2,1-3) are installed in each credit card member store. A VAN server(2) connects to the credit card inquiring devices of a fixed area and performs a credit card transaction approval. A credit card company server(5) connects to more than one VAN server and manages a transaction using a credit card. A bank server(4) opens accounts of the credit card member stores and receives a selling amount of the corresponding member store being transmitted from the credit card company server(5). The above elements are connected through a communication network. A relay server(3) is appended for connecting to the credit card inquiring devices(1-1,1-2,1-3) and the credit card company server(5). The relay server(3) collects selling information by a credit card through the credit card inquiring devices(1-1,1-2,1-3) and the credit card company server(5) and provides the information to the bank server(4) opening the account of the corresponding credit card member store. The bank server(4) reflects a credit lending limit to the account of the corresponding credit card member store in proportion to the selling information received from the relay server(3).

Description

System and Method for Credit card service linked with credit loan service whose bounds are limited with the amount of selling}

The present invention relates to a credit card service system and a method thereof, and in particular, to immediately reflect the credit limit of the affiliated store according to the sales amount of each credit card merchant generated by the credit card, so that the credit card merchant is generated by the credit card. It is about how to make sure that only the necessary part can be used before formal deposit from credit card company.

Referring to Figure 1 will be described an overview of the process of making a conventional credit card payment,

If you sell goods or services at a credit card merchant that deals with a credit card, and the customer wants to pay for the goods or services as a credit card, the credit card merchant asks the VAN (Value Added Network) to approve the credit card payment. do.

VAN then forwards the authorization request to the credit card company, receives a response to the authorization request, and forwards it to the credit card merchant that requested the authorization.

If the credit card payment is approved, the credit card merchant provides the customer with one of the credit card slips and completes the sale, and after a certain period of time, the authorized sales account is opened from the credit card company. Deposits will be made to the bank, and the credit card merchant will withdraw cash from the balance of the account.

However, following the conventional credit card service procedure has the following problems.

1. Even if the credit card is properly authorized, the credit card merchant cannot cash the sales results immediately because the authorized payment amount is transferred from the credit card company to the credit card merchant's payment account for a certain period of time.

2. As a result, a credit settlement service that immediately deposits an authorized transaction of a credit card merchant is appearing. However, a credit card merchant may cash out a portion of the credit card merchant that does not need to be cashed immediately. The disadvantage is that you have to pay unnecessary fees.

3, Since the timing of the payment from the credit card company to the account of the credit card merchant is different for each credit card company, the management of the sales slip becomes complicated and the inconvenience of taking a lot of time and effort to manage the settlement of transactions by the credit card. have.

Accordingly, the present invention has been proposed to solve the above problems, to immediately reflect the credit loan limit proportional to the sales for each credit card merchant that generated sales by credit card, credit card merchants from credit card companies Its purpose is to make it possible to use the necessary part of the sales even before the sales are deposited.

1 is a schematic diagram of a conventional credit card payment process,

2 is a block diagram of an embodiment of a service system according to the present invention;

3 is a flowchart of an embodiment of a service method according to the present invention;

4 is a schematic diagram of implementing the service of the present invention using the system of FIG.

5 is a flowchart illustrating an embodiment of a sales information aggregation process.

* Explanation of symbols for the main parts of the drawings

1-1,1-2,1-3: Credit card lookup 2: VAN server

3: relay server 4: bank server

5: server of credit card company

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Referring to Figure 2, the credit card service system according to the present invention is connected to the credit card inquiries (1-1,1-2,1-3), credit card inquiries in a certain area located in each credit card merchant A VAN server (2) acting for card transaction approval, a server of a credit card company (5) connected to one or more VAN servers to manage transactions using a credit card, and an account of each credit card merchant is opened. The banks 4 of the banks in which the sales of the affiliated stores transmitted from the server 5 are deposited are connected to each other through a predetermined communication network.

In detail, the credit card checker (1-1,1-2,1-3) may provide information required by the credit card company (e.g., transaction number, card number, MS information, expiration date, installment month, product amount, It has the ability to send fees, taxes, merchant information, transaction times, etc., and to receive information from credit card companies (eg transaction tracking numbers, processing times, authorization numbers, reason codes).

VAN is a company that mainly handles credit card authorization, and credit card checkers (1-1,1-2,1-3) are generally installed by one of the VAN companies. The credit card checker (1-1,1-2,1-3) and the VAN server 2 can be connected to each other through a communication line such as a public switched telephone network (PSTN), a wireless communication network, a dedicated line, or a CO-LAN. .

On the other hand, the credit card service system according to the present invention further includes a relay server 3, as shown in Figure 2, the relay server 3 is a credit card inquiry machine (1-1) located in each credit card merchant , 1-2, 1-3, or credit card company server (5), and through each credit card inquiry machine (1-1,1-2,1-3) or credit card company server (5) After collecting the sales information by the credit card performs a function to provide to the server (4) of the bank in which the account of the credit card merchant is opened.

At this time, the server (4) of the bank automatically reflects the credit limit in proportion to the sales information received from the relay server (3) automatically to the account (4-1) of the credit card merchant that the sales occurred. Therefore, the service is differentiated from other services that are unconditionally deposited due to payment or agency settlement, and the cost is reduced.

3 and 4, a process of performing a service according to the present invention will be described in detail.

First, the relay server 3 collects the authorized credit card sales information generated from the credit card inquiry machines 1-1, 1-2, 1-3 located at each credit card affiliate store. At this time, the sales information of each credit card merchant can be received from the credit card inquiry machine (1-1,1-2,1-3) or each credit card company server 5, and if necessary, the credit card inquiry machine ( 1-1, 1-2, 1-3, and each credit card company server 5 may be received (S10: first procedure).

The first procedure S10 will be described in more detail with reference to FIG. 4.

When a customer using a credit card merchant wants to pay for a product or service purchased by a credit card, the merchant requests the VAN server 2 to approve the credit card payment using a credit card checker (1-1). To transmit the full text.

Then, the VAN server 2 transmits the authorization request received from the credit card checker 1-1 to the server 5 of the credit card company, and transmits the full response to the authorization request from the server 5 of the credit card company. After receiving it, send it to the relevant credit card inquiry machine (1-1).

Accordingly, the credit card checker (1-1) and the credit card company server (5) can know the authorization details, and the credit card checker (1-1) and the credit card company server (5) are authorized by the credit card merchant. By transmitting the sales information to the relay server 3, the relay server 3 can collect the sales information for each affiliated store.

The relay server 3 aggregates the sales information collected in the first procedure S10 for each credit card affiliate store and notifies the server 4 of the bank in which the account of the corresponding credit card merchant is opened (S20: second). step).

Then, the server (4) of the bank receiving the sales information in the second process automatically applies a certain credit limit in proportion to the sales to the account of the credit card merchant (S30: third process).

In this case, it is preferable that the credit is a loan by a negative bank account that charges interest only for the amount currently used among the preset limits. Then, the credit card merchant can immediately use as much money as he needs, and the unused portion can reduce unnecessary costs because no interest is charged.

That is, the credit limit increases every time an authorized transaction occurs and decreases when a transaction that is forcibly canceled occurs, such as when a return is made after selling a product to a customer. In addition, the credit limit for the authorized transaction is deducted immediately after the payment is made by the credit card company and the cash is transferred to the payment account, thereby allowing flexible credit donation for credit card receivables.

Referring to FIG. 5, another embodiment of a sales information aggregation process performed in the second procedure S20 will be described.

When the sales information for each credit card affiliate is collected from both the credit card lookup server and the credit card company server in the first step (S10) (S21), the relay server 3 returns the sales information collected from each credit card lookup machine. After verifying whether it matches with the sales information collected from the card company server (S22), only the verified sales information that matches each other is configured to be aggregated as the sales information of the corresponding credit card merchant stores and sent to the server (4) of the bank ( S23, S24), more accurate aggregation becomes possible.

In addition, the relay server (3) is more preferably equipped with a function to collect the sales status of the affiliated stores between each credit card company in accordance with a request from each credit card affiliate store to perform the aggregation or settlement on behalf of It can be carried out.

In each embodiment described above, the role of the relay server (3) to collect and aggregate sales information generated at each credit card merchant and notify the server of the bank may be performed in a separate server installed by a third party, but each credit Can also be performed on the card company server.

In the above description, the present invention is limited to a credit card, but any payment system (eg, credit card, debit card, prepaid card, IC card payment system) in which payment is performed through the same configuration and procedure as the example shown in FIG. Of course, it can be applied as it is. In addition, the present invention can be applied to a retail store, a discount store, a large restaurant, etc., which are connected to a VAN company through a POS or its own server, to provide a flexible credit loan service.

In other words, each of these systems is further provided with a relay server to perform the above-described role, it is possible to work the same if you add the function of setting the credit limit in proportion to the sales to the server (4) of the bank.

Using the present invention, the credit card merchant does not have to wait until the funds settled by the credit card are deposited from the credit card company. In other words, the credit card merchant can immediately manage the sales funds by the credit card, do not need to use the funds do not have to pay unnecessary interest if not used.

In addition, banks that manage credit card merchant accounts allow credit loans (minus loans) secured by secured receivables from credit card companies, allowing safe operation of bank funds, and credit card merchants in advance. The amount used can generate interest income.

Claims (6)

A VAN server for accessing credit card checkers located in each credit card merchant, a certain area of credit card checkers for credit card transaction approval, and a server for credit card companies that access transactions with each VAN server to manage transactions using a credit card. A credit card service system comprising: a server of a bank connected to a server of the credit card company and managing a payment account of each credit card merchant; And a relay server which collects the sales information by the credit card from each credit card checker or the server of the credit card company and transmits the information to the server of the bank where the account of the credit card merchant is opened. The server of the bank is configured to automatically reflect the credit limit in proportion to the sales information received from the relay server in the account of the credit card merchant that generated the sales credit card service linked to the credit limit system. The method of claim 1, In the same way as a credit card checker located at a credit card affiliated store, a retailer, a discount store, and a large restaurant connected to VAN through a POS or its own server, the relay server collects credit card sales information and transmits it to the server of the bank. Credit card service system in conjunction with the credit line limit, characterized in that configured to automatically reflect the credit limit in proportion to the sales information in the account of the distribution, discount stores, large restaurants, etc. that the sales occurred. The method according to claim 1 or 2, The role of the relay server credit card service system in conjunction with the credit limit and the sales amount, characterized in that performed by each credit card company server. A first step of collecting sales information of transactions authorized by the credit card company through a credit card lookup machine located at each credit card merchant, a POS or server located at each retail store, and / or a server of a credit card company; A second procedure of counting the sales information collected in the first procedure for each credit card merchant and informing the server of the bank where the account of the credit card merchant is opened; And The server of the bank receiving the sales information in the second procedure includes a third procedure of automatically applying a certain credit limit in proportion to the sales to the account of the corresponding credit card merchant. Associated credit card service method. The method of claim 4, wherein When the sales information for each credit card merchant in the first procedure is collected from both the credit card inquiry server and the credit card company server of the credit card merchant, The second procedure is configured to verify the sales information collected from each credit card checker using the sales information collected from the credit card company server, and then only the verified sales information is counted as the sales information of the corresponding credit card affiliate store. Credit card service method, characterized in that the sales linked to the credit limit. The method according to claim 4 or 5, The credit card is a credit card service method linked with the credit line, characterized in that the loan by the negative account that charges interest only for the amount of the current limit of the preset limit.