KR20030050147A - Method and system for providing payment by exclusive purchase card - Google Patents

Abstract

The present invention relates to a payment method and system using a purchase-only card, and more particularly, to pay for goods received from a supplier using a purchase-only card, and to deposit a payment account in the same bank that opened a payment account. The present invention relates to a method and a system for making a payment. In a merchant management server coupled to a purchase-only card merchant, a bank server, and a purchase-only card member store according to the present invention, a payment method using a purchase-only card may include receiving a supply signal for supplying goods from a purchase-only card member store, a purchase-only card; Sending a goods supply command signal to the merchant, receiving a goods delivery confirmation signal from a purchase-only card member store, sending a deposit request signal from a bank server, receiving a deposit confirmation signal from a bank server, and purchasing only And transmitting a payment signal to the card merchant.

Description

Payment method and system using purchase-only card {METHOD AND SYSTEM FOR PROVIDING PAYMENT BY EXCLUSIVE PURCHASE CARD}

The present invention relates to a payment method and system using a purchase-only card, and more specifically, to pay for the goods supplied from a supplier using a purchase-only card, the deposit account in the same bank opened the payment account It relates to a method and system that can open the payment.

1 is a view showing a distribution structure including the existing intermediate distribution process.

Referring to FIG. 1, in a distribution structure including an existing intermediate distribution process, unnecessary distribution margin occurs due to a multi-stage distribution structure. In other words, the goods and services supplied by the supplier 101 go through an intermediate distribution process 103, resulting in distribution margins. That is, the price of the goods and services provided to the consumer 115 due to unnecessary distribution margins is increased by going through a multi-step intermediate distribution process such as a distributor 104, an intermediate wholesaler 105, or a distribution agent 106. Is highly priced. In the existing commerce, in order for a merchant to purchase an item through a supplier, there is a problem of going through an unnecessary intermediate distribution process as shown in FIG. 1.

In addition, the general retail store 111 is inconvenient to use the existing loan method or credit card or pay for the goods when there is no cash.

In addition, there is a problem that excessive distribution margin occurs during the complex distribution process in the existing commerce, the buyer's burden of money increases and the profit is reduced.

In addition, merchants that pay for purchases of goods and services using a card in the existing commerce have a problem in that payment processing must be performed using a credit card without additional support.

In addition, there is a problem that the merchant does not make transparent transaction information confirmation and accurate tax source confirmation by the transaction type such as trauma, missing transaction amount in the existing commerce.

In addition, there is a problem in that merchants do not receive goods and services from suppliers without sufficient funds and credit secured in the existing commerce.

In addition, in the existing commerce, it was difficult to recover funds due to post-sales settlement and purchase of credit.

1B is a flowchart illustrating a conventional card payment process.

In order to use the card, the card company 130 for issuing the card, a van company that relays the approval details and improves the approval efficiency of the card, the card member 135 who received the card, and the merchant 120 that can use the card. ) Is required.

The card member 135 purchases the goods at the affiliated store 120 and pays for the goods with the card. Then, the card payment machine installed in the affiliated store transmits the card approval details to the van (VAN) company 125, the van (VAN) company 125 transmits the received authorization details to the card company to request the card payment. The card company 130 pays the merchant, and requests payment to the card member 135 on the payment date. Then, the card member 135 ends the card settlement procedure by making a payment.

In the payment procedure, there is a problem that the card issuing procedure of the card member is cumbersome and the limit of use is limited to commercial credit cards. In other words, if the card member is a private business person, not a corporation, the corporate card could not be issued and there was a limit to the limit. In addition, there was an inconvenience in that the member himself manages the card usage status and payment of the card member.

Accordingly, it is an object of the present invention to provide a method and system for issuing a purchase-only card to a retail store to prevent bills and credit transactions and to eliminate unnecessary intermediate distribution processes through a merchant management server.

Another object of the present invention is to prevent member stores from going through a complicated distribution process in order to purchase goods through a supplier, thereby reducing the burden of money and profits of the member stores.

Still another object of the present invention is to ensure transparent transaction information confirmation and accurate tax source confirmation without the form of transactions such as trauma, missing transaction amount of the merchant.

Still another object of the present invention is to provide a dedicated card which is provided with an item from a supplier and can pay for the item even when a member store does not have sufficient funds and credit.

Still another object of the present invention is to provide an efficient card usage method by managing sales, purchases, payment amounts, usage limits, etc. with respect to cards of members and affiliated stores having the dedicated cards.

Figure 1a is a view showing a distribution structure including the existing intermediate distribution process.

Figure 1b is a flow chart illustrating a conventional card payment process.

Figure 2 is a block diagram showing the entire system of the payment method of the purchase-only card according to an embodiment of the present invention.

3 is a diagram illustrating an article supply system between a purchase-only card affiliate and a membership card affiliate according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a card issuing structure of a bank server according to an exemplary embodiment of the present invention.

5 is a view showing a payment process according to an embodiment of the present invention.

6 is a flowchart illustrating a payment settlement flow according to an exemplary embodiment of the present invention.

7 is a flowchart illustrating a payment settlement flow according to an exemplary embodiment of the present invention.

8 is a table showing transaction approval data according to a preferred embodiment of the present invention.

9 is a table showing settlement data according to a preferred embodiment of the present invention.

10A is a diagram illustrating a configuration of a payment system using a purchase-only card according to a first embodiment of the present invention.

Figure 10b is a view showing a tax issuing method according to an embodiment of the present invention.

Figure 10c is a view showing a tax issuing method according to an embodiment of the present invention.

11 is a diagram showing the configuration of a payment system using a purchase-only card according to a first embodiment of the present invention.

<Explanation of symbols for the main parts of the drawings>

200; Merchant Management Server

235; Payment Gateway

240; Van company

245; Settlement Server

230; Bank server

250; Payment server

215; Dedicated terminal

205; Purchased card merchant

210; Card Member Store for Purchase Only

According to a first aspect of the present invention for achieving the above objects, there is provided a payment method of a purchase-only card and a system corresponding to the method.

According to another embodiment of the present invention, a method of making a payment using a purchase-only card in a merchant management server coupled to a purchase-only card affiliate, a bank server, and a purchase-only card member, the supply of goods from the purchase-only card member store Receiving a request signal, transmitting a goods supply command signal to the purchase-only card merchant, receiving a goods delivery confirmation signal from the purchase-only card member store, transmitting a deposit request signal from the bank server, Receiving a deposit confirmation signal from the bank server and transmitting a payment signal to the purchase-only card merchant, wherein the purchase-only card merchant can make a payment using a purchase-only card, The purchase-only card used as a payment method is the bank Can be issued by the server.

In another preferred embodiment, the affiliated store management server may include a payment gateway, a van company, and a settlement server. And the settlement server receiving transaction approval data from the van, storing the transaction approval data in a database, analyzing the transaction approval data according to a predetermined method, and analyzing the analysis result. It is preferably made, including the step of storing in.

In another preferred embodiment, the predetermined method may include at least one of a deposit amount for each purchase-only card merchant, a payment limit for each purchase-only card member store, an amount used, an amount accumulated, and a tax invoice.

In another preferred embodiment, the purchase-only card affiliated store includes a dedicated terminal provided from the affiliated store management server, and the dedicated terminal may perform card payment and logistics management.

In another preferred embodiment, the bank server issues a membership card, wherein the affiliate store of the membership card is the purchase-only card member store, and the deposit account of the membership card and the payment account of the purchase-only card can be opened in the bank server. Can be.

According to another preferred embodiment, a payment method using a purchase-only card in a bank server coupled to a purchase-only card merchant, a merchant management server, and a purchase-only card member store, wherein the card server receives transaction approval data from a merchant management server. Receiving, the card server approving a transaction, the payment server receiving a payment request signal from the affiliated store management server, and the payment server transmitting a payment confirmation signal. The bank server may issue the purchase-only card.

In another preferred embodiment, the bank server issues a membership card, but the affiliate store of the membership card may serve as the purchase-only card member store.

In another preferred embodiment, the payment account of the membership card and the payment account of the purchase-only card may be opened in the bank server, and the payment account of the membership card may be opened in the bank server.

In another preferred embodiment, the purchase-only card merchant has a dedicated terminal provided from the merchant management server, the dedicated terminal can perform card payment and logistics management.

According to another preferred embodiment of the present invention, a method of paying for supply and payment of goods using a dedicated terminal in a purchase-only card merchant coupled to a bank server, a merchant management server and a purchase-only card member store, the article from the merchant management server Receiving a supply command, and extracting the purchase-only card member point information corresponding to the supply command, and delivers the goods in accordance with the merchant extraction information, the delivered goods are collected from the manufacturer or the country of origin The article can be supplied.

In another preferred embodiment, the purchase-only card affiliated store includes a dedicated terminal provided from the affiliated store management server, and the dedicated terminal may perform card payment and logistics management.

Hereinafter, with reference to the accompanying drawings, a preferred embodiment of a method and system for making a payment using a purchase-only card according to the present invention will be described in detail. In the present invention, a purchase-only card affiliate and a purchase-only card member store may also refer to a purchase-only card member store and a terminal such as a computer provided at the affiliate store, and for the convenience of description of the invention, the purchase-only card merchant and purchase-only card member store. The terminal provided in the point and the member point will be referred to collectively.

2 is a block diagram of a system for providing a service by a purchase-only card according to an exemplary embodiment of the present invention.

Referring to FIG. 2, a merchant management server 200, a purchase-only card merchant 205, a purchase-only card member 210, a dedicated terminal 215, a bank server 230, and the like are configured. The merchant management server includes a van (VAN) company 235, a payment gateway 235, a settlement server 245, and the bank server 230 includes a card server 225 and a payment server ( 250).

The affiliated store management server 200 supplies goods to the purchase-only card member store 210 and the purchase-only card member store 210 by linking the purchase-only card affiliate store 205 and the purchase-only card member store 210. It manages the purchase-only card merchant 205, and provides information to the purchase-only card merchant to supply goods to the loading place of the purchase-only card member 210 that requires the goods and serves to instruct delivery. . It also plays a role of relaying the existing approval details, including the existing Van (VAN) company and Payment Gateway (Payment Gateway). In addition, the settlement server 245 provides an efficient card usage method by managing sales, purchases, payment amounts, usage limits, etc. in relation to cards of members and affiliated stores having the dedicated cards.

Van (VAN) company 240 or the Payment Gateway (Payment Gateway) (235) serves to help efficiently process the card payment through the intermediary between the terminal 215 and the card server 225. Value added network (VAN) 240 connects banks and credit card companies' computers and financial settlement agency's relay system to handle large amounts of money receiving and payment, and approves financial information transmission and reception and card transactions. Play a role.

The Payment Gateway 235 is an Internet payment settlement system that enables payment of goods sold between buyers and sellers in electronic commerce using various payment methods such as bank transfer, credit card, and electronic money. Provide service. In general, the Payment Gateway 235 is a business that checks whether the shopping mall receives credit card information and checks whether the information is valid when the customer purchases the product at the shopping mall and pays with a credit card in the e-commerce. To process However, according to the present invention, the payment gateway (Payment Gateway) 235 can be paid for the goods even if you do not have a purchase-only card through the dedicated terminal. The transaction between the purchase-only card merchant 205 and the purchase-only card member 210 may not only carry card payment through the purchase-only card but also purchase-only card through the Payment Gateway 220. Of course, payment is possible through electronic commerce using a card number and password.

The purchase-only card member store 205 eliminates an intermediate distribution step and receives the goods from the manufacturer or the country of origin and directly supplies them to the purchase-only card member shop 210 (see FIG. 3). Payment can be made with a purchase-only card for the goods. The purchase-only card can be used only as a payment for goods supplied from the purchase-only card affiliate 205. Here, the purchase-only card merchant 205 serves to collect goods and services from a plurality of manufacturers or origin and receive an order from the purchase-only card member store 210. The distribution margin of the product may be reduced by the purchase-only card merchant 205, and a stable base of supply and demand between the manufacturer or the origin, the purchase-only card merchant 205 and the purchase-only card member store 210 may be established. Can be.

The purchase-only card member store 210 serves to sell goods supplied from the purchase-only card affiliate store 205 to the end consumer. According to one preferred embodiment of the present invention, payment for the goods supplied from the purchase-only card merchant 205 may be performed with a purchase-only card.

The purchase-only card member store also allows the consumer to use a membership card to pay for the sale of the goods. In other words, the purchase-only card member store is a subject that uses the purchase-only card and is a member store of a membership card. A membership card is a card that can be used at a purchase-only card merchant, and adds a membership function to a general credit card function. The membership function means that an additional service for a membership member is provided only at a purchase-only card member store, that is, a membership card affiliate store, which has been registered as a membership member. That is, in a purchase-only card merchant that does not register as a membership member, additional services for the membership member are not provided. The additional service includes a service such as applying a discount rate and earning points.

According to the present invention, the bank server may further issue a membership card in addition to a purchase-only card. Hereinafter, the purchase-only card member store refers to a membership card affiliate store, and for the sake of understanding of the purchase-only card member store and the description of the invention, a purchase-only card member store or a membership card affiliate store is mixed according to the role of the purchase-only card. I will use it.

According to a preferred embodiment of the present invention, it is preferable that the bank account and the payment account of the membership card and the payment card of the purchaser possessed by the consumer are opened. More preferably, the payment account of the purchase-only card and the payment account of the membership card are the same account.

The terminal 215 may manage the logistics between the purchase-only card affiliate and the membership card affiliate at the same time as the payment is made by the purchase-only card. According to a preferred embodiment of the present invention, the terminal adds a payment capability of a purchase-only card to an industrial logistics personal digital assistant (PDA), and can exchange information in real time with an affiliated store management server through the terminal. have.

The bank server 230 is a subject that issues a card, issues a purchase-only card to a membership card affiliate, and manages the card. Before issuing the card, the bank server 230 opens a payment account of the purchase-only card of the membership card merchant and a deposit account of the membership card in the bank server, preferably in the same account, You can conveniently pay for the purchase-only card without a separate deposit process.

The card server 225 is responsible for payment and authorization for the purchase-only card that the membership card merchant pays for in supply of goods. According to an embodiment of the present invention, the card server may include a purchase card affiliate store database, a purchase card member store database, a membership card affiliate store database, a membership card member database, and the like.

The payment server 250 processes payments, deposits, withdrawals, and the like in accordance with payment and authorization details to the card server.

3 is a diagram illustrating an article supply system between a purchase-only card affiliate and a membership card affiliate according to an exemplary embodiment of the present invention.

The purchase-only card merchants 305, 310, and 315 serve to collect goods and services from a plurality of manufacturers or origins and to supply goods from the membership card merchant 210. The distribution margin of the product can be reduced through the efficient supply of the merchant management server and the simplification of the intermediate distribution stage, and the demand and supply between the manufacturer or the origin, the purchase exclusive card merchant 305 and the membership card merchant 320 are stable. Foundation can be built.

The affiliated store management server 300 controls the logistics to ensure a stable supply between a plurality of purchase-only card merchants (305, 310, 315) and a plurality of membership card merchants 320, the purchase-only card merchants (305, 310) 315) and membership card merchant 320 is managed.

According to an exemplary embodiment of the present invention, the affiliated store management server 300 may increase the efficiency of logistics and payment by providing a terminal to the purchase-only card affiliated stores 305, 310, and 315. The terminal provided to the purchase-only card merchants 305, 310, and 315 adds the payment capability of the purchase-only card to the industrial logistics personal digital assistant (PDA), and provides information in real time with the merchant management server through the terminal. I can exchange it.

The purchase-only card merchant 305, 310, 315 may reduce distribution margin in the middle by collecting goods from a plurality of manufacturers and origins 330, 335, 340 and directly providing the same to the membership card merchant 320. That is, the purchase-only card merchants 305, 310, and 315 according to the present invention collect goods and services from a plurality of manufacturers and origins 330, 335, and 340, and the plurality of membership card merchants 320 are dedicated to the purchase. Purchase goods and services through card merchants 305, 310, and 315. Preferably, the purchase means uses a purchase-only card.

Therefore, the intermediate distribution stage is shortened through purchase-only card affiliates 305, 310, and 315, and distribution margins can be reduced, and demand and supply relationships are stably established.

The membership card affiliate store 320 is a membership card merchant for a consumer who is a membership card member and a membership point for a purchase-only card for a purchase-only card. As described above, by opening a payment account of a membership card and a payment account of a purchase-only card in the bank server, the efficiency of payment can be improved. In addition, it is preferable to open a deposit account of the purchase-only card merchant in the same bank server. That is, by opening the membership card deposit account, the payment account and the payment-only account of the purchase-only card merchant in the same account, the bank server, the card issuer, sets the card usage fee at a lower price than the existing credit card. The shortfall can be made through the interest income of the money deposited in the bank.

4 is a diagram illustrating a card issuing structure of a bank server according to an exemplary embodiment of the present invention.

Referring to FIG. 4, the bank server 400 may issue a purchase-only card 415, and may further issue a membership card 430 as well as the purchase-only card. The issuance target of the purchase-only card 415 is a membership card affiliate store 425, and the issuance target of the membership card 430 is a consumer 435 who purchases an item at a membership card affiliate store.

The purchase-only card 415 may pay with the purchase-only card 415 for the goods supplied from the purchase-only card merchant 420 at the membership card merchant 425. The purchase-only card 415 may be used only as a payment for goods supplied from the purchase-only card affiliate 420. The bank server 400 issues a purchase-only card 415 to the membership card merchant 425 in partnership with the merchant management server.

The membership card 430 recruits members to each affiliated store, and applies a discount rate to the members for each member. The membership card 430 is a card corresponding to the membership card affiliate store 425 and is given a discount only at each membership card affiliate store. In other words, the membership card issued for the 'A membership card merchant' is given a discount only at the 'A membership card merchant'. The membership card 430 functions to charge a fee lower than a usage fee of a general card when using an item at a membership card merchant corresponding to the membership card. Therefore, membership card merchants encourage active membership card applications to consumers, and membership card merchants that attract many consumers who possess the membership card acquire more profits and at the same time give more profits to consumers. You can join a membership card. For example, if the general card fee is 3%, the fee for the membership card is set at 2%. And the discounted 1% is preferably membership card merchants and consumers are given a discount of 0.5% each.

5 is a view showing a payment process according to an embodiment of the present invention.

Referring to FIG. 5, a process in which a price is settled after supplying goods in a purchase-only card affiliate is shown. First, the purchase-only card affiliate 540 supplies goods to the membership card affiliate 550. Since membership card merchant 550 pays for the goods with a purchase-only card, it is possible to reduce the damage caused by existing bills or trauma and to secure transparent tax sources by using the card.

The membership card affiliate store 550 performs payment using the dedicated terminal 545. The dedicated terminal 545 adds a payment capability of a purchase-only card to an industrial logistics personal digital assistant (PDA), and can exchange information in real time with a settlement server through the terminal.

The dedicated terminal 545 accesses the card server 530 via the payment gateway 510 and the van company 515 to perform card payment. At the same time, the van company 515 transmits the transaction approval data to the settlement server. Thereafter, the card server 525 makes a payment to the bank server 530, and the bank server makes a payment to the settlement server 500, and the settlement server 500 makes a payment to the purchase-only card affiliate 505.

In addition, the settlement server 520 analyzes the transaction approval data received from the van company 515 by the settlement program to calculate settlement data. The settlement data is data representing transaction usage history, payment history, usage limit, etc. by classifying transaction approval details by purchase card affiliates, member stores, and terminals.

The payment flow according to the goods supply according to the present invention is largely divided into two ways.

One method is to transfer the goods price from the bank server to the settlement server, and to transfer the goods price with limited fee from the settlement server to the purchase-only card merchant. The other method is to remit only the service fee from the bank server to the settlement server, and to remit the goods price to the direct purchase card merchant. Hereinafter, the former will be described in detail in FIG. 6 and the payment flow of the latter will be described in detail in FIG. 7.

6 is a flowchart illustrating a payment settlement flow according to an exemplary embodiment of the present invention.

In step 600, the bank server issues a purchase-only card to the membership card merchant. Thereafter, the membership card merchant may pay for goods and services using the purchase-only card.

In step 605, if the membership card merchant requests the merchant management server to supply the goods, the merchant management server issues the goods supply command to the purchase-only card merchant. Naturally, the request for supplying the goods may be directly made from the membership card affiliate store.

If the purchase-only card merchant supplies the goods to the membership card merchant at step 615, the membership card merchant pays the goods price with the purchase-only card at step 620.

In step 625, the bank server approves the card payment, and deposits a payment to the merchant management server. In step 630, the merchant management server transfers the received payment to a purchase-only card merchant to complete the payment for the goods supply.

Thereafter, in step 635, the membership card merchant sells the goods to the consumer, and in step 640, the consumer pays for the goods using the membership card. After payment of the membership card, in step 645 the payment is deposited into a predetermined deposit account. According to one embodiment of the invention, the payment account and the payment account of the purchase-only card is preferably opened in the bank server. In addition, even when the payment is made to the purchase-only card merchant, it is preferable to deposit money into an account opened in the bank server. Preferably, the deposit account and the purchase-only card withdrawal account are the same account. In step 650, the bank server completes the payment by withdrawing the payment to the purchase-only card withdrawal account.

Through opening the same account, the bank server may generate interest income by retaining funds without outflow of funds.

7 is a flowchart illustrating a payment settlement flow according to an exemplary embodiment of the present invention.

Referring to FIG. 7, the biggest difference compared to FIG. 6 is that the bank server pays the goods directly to the purchase-only card affiliate.

In step 700, the bank server issues a purchase-only card to the membership card merchant. Thereafter, the membership card merchant may pay for the goods and services supplied to the purchase-only card merchant using the purchase-only card.

In step 705, the membership card affiliate store requests goods to the affiliated store management server, and in step 710, the affiliated store management server issues an item supply command to the purchase-only card affiliated store. Naturally, the request for supplying the goods can be made directly from the membership card merchant to the exclusive card merchant.

If the purchase-only card merchant supplies the goods to the membership card merchant in step 715, the membership card merchant pays the goods for the purchase-only card in step 720.

In step 725, the bank server approves the card payment, and deposits a payment to the purchase-only card merchant. In operation 730, the bank server pays the merchant management server a predetermined amount corresponding to the price in the name of a service fee or a fee.

Thereafter, in step 735, the membership card merchant sells the goods to the consumer, and in step 740, the consumer pays for the goods using the membership card. After payment of the membership card, in step 745 the payout is deposited into a predetermined deposit account. According to one embodiment of the invention, the payment account and the payment account of the purchase-only card is preferably opened in the bank server. In addition, even when the payment is made to the purchase-only card merchant, it is preferable to deposit money into an account opened in the bank server. Preferably, the deposit account and the purchase-only card withdrawal account are the same account. In step 750, the bank server completes the payment by withdrawing the payment to the purchase-only card withdrawal account.

Through opening the same account, the bank server may generate interest income by retaining funds without outflow of funds.

8 is a table showing transaction approval data received from a van (VAN) company according to an embodiment of the present invention.

According to a preferred embodiment of the present invention, the merchant management server receives the transaction approval (DDC, Data & Draft Capture) data from the van (VAN) to provide the settlement data for the purchase-only card usage history in real time or at regular intervals. Can be calculated.

The transaction approval history (DDC, Data & DraftCapture) data provided by the van (VAN) according to the present invention is based on the transaction approval history of the purchase-only card of the merchant accumulated in the computer system of the van (VAN), VAN Send from the company to the card server and the settlement server. The card server requests payment to the bank server based on the data & draft capture (DDC) data, and the payment server assigns a payment to the merchant based on the data & draft capture (DDC) data. Automatic deposit to the payment account. In addition, the settlement server calculates settlement data by using transaction approval history (DDC, Data & Draft Capture) data, and performs a payment request, purchase-only card member store management, etc. based on the settlement data.

Of course, not only payment by the transaction approval (DDC, Data & Draft Capture) method, but also payment based on the merchant performance generated at the time of purchase-only card payment by EDC (EDC, Electronic Data Capture) method Of course, it is possible that the server will automatically process the payment. This is because the present invention is not in the method of payment, but is a new card payment method through issuing a purchase-only card or a membership card added thereto.

Referring to FIG. 8, the transaction approval (DDC, Data & Draft Capture) data includes a purchase-only card merchant, a van company, an authorization date, a card number, a payment amount, a fee, and the like. The name of the purchase-only card merchant and the corresponding identification number are described.

9 illustrates a table of settlement data according to a preferred embodiment of the present invention.

9 is settlement data calculated based on a purchase-only card affiliate, and it is natural that settlement data can be calculated for each membership point of a purchase-only card, that is, a membership card affiliate store. Limits, amount spent, amount earned, etc. are desirable.

Referring to FIG. 9, the settlement data provides data based on items such as an exclusive card merchant, a terminal number, a number, a van company, an authorization date, a card number, an authorization amount, a billing date, and a fee. .

The fees in this table correspond to and add to the usage amount, and are preferably less than the card usage fee on the market. In accordance with the present invention, due to the payment of goods, there is a transfer of the price to a purchase-only card member store, a merchant management server, a purchase-only card merchant, etc., but the small fee is covered by interest income because it is distributed only within a bank server. Because this is possible.

10 to 13 are diagrams showing the configuration of an embodiment of a payment system using a purchase-only card according to the present invention. The present invention can be implemented according to the above embodiments, and the present invention is not limited to the above embodiments.

Comparing the configuration diagram in FIG. 10 to FIG. 13 with FIG. 2, the affiliated store management server of FIG. 2 includes only the settlement server, and the van company of FIG. 2 is not included in the affiliated store management server and performs an independent function separately. do. In addition, the bank server of Figure 2 also constitutes the present invention independently of the bank server and the card server. That is, Figure 2 is an embodiment of implementing the present invention by building a unique system in the merchant management server, Figure 10a to Figure 13 is the present invention using a system built on the existing card company, van (VAN), banks, etc. It is a figure which shows the Example to implement.

It is obvious that the configuration as shown in FIG. 2 is modified as shown in FIGS. 10A to 11 without departing from the spirit and scope of the present invention as set forth in the appended claims.

Hereinafter, various embodiments of the present invention will be described with reference to FIGS. 10A to 11.

10A is a diagram illustrating a configuration of a payment system using a purchase-only card according to a first embodiment of the present invention.

In step 1000, the purchase-only card member shop orders the goods to the purchase-only card merchant, and in step 1005, the purchase-only card merchant supplies the goods to the purchase-only card member shop.

In step 1010, the purchase-only card member store requests the card payment to the dedicated terminal using the purchase-only card for the supply of the goods. In step 1015, the dedicated terminal sends a card approval request to a van company, and in step 1020, the van makes a card approval request to a card server.

In step 1025, the card server transmits the card approval result to the van company, and in step 1030, the van company transmits the card approval result to the dedicated terminal, thereby making a card payment with the purchase-only card.

In step 1045, the van (VAN) bills the transaction data (DDC, Data & DraftCapture) data to the card server, and in step 1040 transmits the payment information to the merchant management server. In step 1045, the card server deposits a payment into the merchant management server account of the bank server. In step 1050, the bank server transmits a payment confirmation signal to the merchant management server.

The merchant management server may perform a settlement operation according to card payment information and a predetermined method received from a van, and issue a tax invoice corresponding to the settlement operation. 10B and 10C, the tax invoice may be issued.

10B is a view showing a tax issuing method according to an embodiment of the present invention.

Hereinafter, a description will be given with reference to FIG. 10B.

In step 1070, the bank server calculates a fee from the price of the goods deposited by the card company by a predetermined method, and transfers the fee to the merchant management server and the purchase-only card merchant. In step 1075, the merchant management server transmits the tax invoice corresponding to the fee to the purchase-only card merchant, and in step 1080, the purchase-only card merchant transmits the tax invoice corresponding to the item price to the purchase-only card member.

Figure 10c is a view showing a tax issue method according to an embodiment of the present invention.

Unlike FIG. 10B, the affiliated store management server may issue a tax invoice for a purchase-only card member store. According to the present invention, the product purchase history of the purchase-only card member received through the Van (VAN) company or Payment Gateway (Payment Gateway) coupled to the merchant management server is stored in a database coupled to the merchant management server in real time. have. Therefore, it is natural that a tax invoice can be prepared using the stored information.

In addition, it is natural that the purchase-only card member store can check the transaction history in real time by accessing the affiliated management server or the card server through the network.

A description with reference to FIG. 10C is as follows.

In step 1090, the bank server calculates a fee from the price of the goods deposited by the card company by a predetermined method, and transfers the fee to the merchant management server and the purchase-only card merchant. In step 1093, the merchant management server transmits the tax invoice corresponding to the fee to the purchase-only card merchant, and in step 1096, transmits the tax invoice corresponding to the item price to the purchase-only card member shop.

11 is a diagram illustrating a configuration of a payment system using a purchase-only card according to a first embodiment of the present invention.

According to the present invention, not only payment using a purchase-only card and a dedicated terminal, but also payment using a web force is possible. In FIG. 10A, the payment method using the dedicated terminal has been described. In FIG. 11, the payment method using the web force will be described.

That is, a purchase-only card member store can order goods and settle cards using the web force, and can perform general operations such as inventory management and sales management using the web force.

Hereinafter, a description will be given with reference to FIG. 11.

In operation 1100, the purchase-only card member store orders the product to the purchase-only card affiliate store using the web force, and in step 1105, the purchase-only card member store supplies the product to the purchase-only card member store.

In operation 1110, the purchase-only card member store requests a card approval using a web force. In step 1115, if the merchant management server requests a card approval to a van company, in step 1120, the van company requests a card approval to the card server.

In step 1125, the card server transmits the card approval result to the van company. In step 1130, the van sends the card approval result to the merchant management server, and in step 1135, the merchant management server sends a purchase-only card member point. The card authorization result can be sent to.

In step 1145, the van (VAN) bills the card server for data approval (DDC, Data & Draft Capture) data, and in step 1145, the card server may deposit a payment to the merchant management server account of the bank server. In operation 1150, the bank server may transmit a payment confirmation signal to the affiliated store management server.

In operation 1155, the affiliated store management server may pay the purchase price to the purchase-only card merchant, and issue a tax invoice corresponding to the number of items to the purchase-only card member in operation 1160.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the present invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

As described above, according to the present invention, there is an effect that it is possible to provide a payment method for payment for the goods of the purchase-only card merchant with the purchase-only card. Here, the purchase-only card may be set lower than the fee of the existing credit card by issuing from the bank server and reducing the distribution stage.

In addition, according to the present invention can provide a payment method and apparatus using a postpaid payment card to ensure transparent transaction information and accurate tax revenue confirmation without a transaction form, such as trauma, missing transaction amount of the purchase-only card merchant.

In addition, according to the present invention, the purchase-only card member store may provide a purchase-only card to receive goods from a purchase-only card merchant even without sufficient funds and credit secured.

In addition, according to the present invention there is an effect that the bank server can generate interest income by holding the funds in the bank server through the same account opening.

Claims (15)

In the merchant management server coupled to the purchase-only card merchant, bank server and purchase-only card member stores in the payment method using the purchase-only card, Receiving an item supply request signal from the purchase-only card member shop; Transmitting a goods supply command signal to the purchase-only card merchant; Receiving a goods delivery confirmation signal from the purchase-only card member shop; Transmitting a deposit request signal from the bank server; Receiving a deposit confirmation signal from the bank server; And Transmitting a payment signal to the purchase-only card merchant; Including, The purchase-only card merchant may make a payment using a purchase-only card, wherein the purchase-only card used as the payment means is issued by the bank server. The method of claim 1, The affiliated store management server, Payment gateway (Payment Gateway), Van (Van), a payment-only card payment method comprising a settlement server. The method of claim 2, The settlement server, Receiving transaction approval data from the van company; Storing the transaction approval data in a database; Analyzing the transaction approval data according to a predetermined method; And Storing the analysis result in a database Purchase-only card payment method characterized in that it comprises a. The method of claim 3, The predetermined method is a purchase-only card payment method characterized in that it comprises at least one of the payment amount for each purchase-only card merchant, the payment limit for each purchase-only card member stores, the amount used, the accumulated amount, the tax bill. The method of claim 1, The purchase-only card merchant has a dedicated terminal provided from the affiliated store management server, the dedicated terminal is a purchase-only card payment method, characterized in that to perform card payment and logistics management. The method of claim 1, The bank server issues a membership card, but the affiliate store of the membership card is the purchase-only card member point. The method of claim 6, The payment account of the membership card and the payment account of the purchase-only card is opened in the bank server, characterized in that the method for issuing a purchase-only card. A method of making a payment using a purchase-only card at a bank server coupled to a purchase-only card merchant, a merchant management server and a purchase-only card member store, wherein the bank server includes a card server and a payment server; Receiving, by the card server, transaction approval data from a merchant management server; Approving the transaction by the card server; Receiving, by the payment server, a payment request signal from the affiliated store management server; And The payment server transmitting a payment confirmation signal; Including, And the bank server issues the purchase-only card. The method of claim 8, The bank server issues a membership card, but the affiliate store of the membership card is the purchase-only card member point. The method of claim 9, The payment account of the membership card and the payment account of the purchase-only card is opened in the bank server, characterized in that the method for issuing a purchase-only card. The method of claim 6, And a payment account of the membership card is opened in the bank server. The method of claim 8, The purchase-only card merchant has a dedicated terminal provided from the affiliated store management server, the dedicated terminal is a purchase-only card payment method, characterized in that the card payment and logistics can be performed. In the method of paying the supply and payment of goods using a dedicated terminal in a purchase-only card merchant coupled to the bank server, merchant management server and purchase-only card member shop, Receiving an article supply command from the affiliated store management server, wherein the article supply command includes a purchase-only card member store affiliated store identification code; Extracting the purchase-only card member point information corresponding to the supply instruction; Including, Shipping goods according to the affiliated store extraction information, the delivered goods are collected from a manufacturer or country of origin and logistics agency method characterized in that for supplying the goods. The method of claim 1, The purchase-only card merchant has a dedicated terminal provided from the affiliated store management server, the dedicated terminal is a purchase-only card payment method, characterized in that the card payment and logistics can be performed. A memory in which a program is stored; And A processor coupled to the memory to execute the program Including, The processor is a purchase-only card payment system for executing the purchase-only card payment method according to claim 1 by the program by the program.