KR20080064785A - Credit settlement system and method - Google Patents

Abstract

The present invention relates to a credit settlement execution system and method that is proposed to purchase a credit card inquiry at a cost much lower than a high cost in order to purchase a credit card inquiry device, and a banking system in which credit card member information is recorded. A credit card 100; Merchant credit card query machine 200 for generating and transmitting credit card approval request information including credit card member information read out from the bank-based credit card 100, input credit payment information and pre-stored merchant information; ; After receiving the credit settlement approval request information from the merchant credit card inquiry machine 200, reading the transmitted credit settlement approval request information and determining the credit settlement approval, the determined credit settlement approval information is used as the merchant credit card inquiry terminal ( 100) A credit card company server for performing a credit payment by transmitting to the credit card company server, the bank-based credit card company server (300) operated by the same bank as the bank-based credit card 100, the bank-based credit The card company server 300 is provided in the case of a credit settlement request through a bank account opened by a merchant managing and operating the credit card inquiry device 200 and a bank-based credit card 100 issued by the bank-based credit card company. Merchant's financial list information DB 310 stores the merchant's financial information consisting of accumulated point information accumulated as a list; And a point operation engine 320, wherein the point operation engine 320 controlled by the bank-based credit card company server 300 recognizes the generated credit card payment approval information and then lists the financial list for the affiliated store. Provides a system for extracting cumulative point information from the merchant's financial information of the affiliate store that requested credit approval from the information DB 310, accumulates and stores as much as a predetermined point in the extracted accumulated point information, and a method using the same. .

Description

System for trust settlement accompaniment and method of the same}

In the present invention, when purchasing a multi-function credit card inquiry machine, it is set as a product sale price, and can be deducted at a much lower cost than a high cost, and in the case of a general credit card inquiry device that provides only a credit settlement function, the product sale price is paid. The present invention relates to a credit settlement system and method having technical means for purchasing a credit card checker at a cost that is almost free of charge, which is almost free of charge.

In general, the credit settlement method using a credit card as a card-type information recording medium is a user who wants to purchase a certain product or use a tangible / intangible paid service without paying cash for the purchase price. By performing the processing, the user requesting a credit card has the advantage of being able to receive tax relief as a benefit of using the credit payment as well as the convenience of payment.

In addition, the government is also proactively encouraging credit settlement due to the fact that the user's purchases of goods purchased are databased, so that it is possible to secure tax revenues, and most stores (such as restaurants or medical institutions) are paid. In all industries, credit card checkers are provided to provide credit settlement services, and credit card checkers are provided through the installed credit card checkers.

As such, the credit card lookup provided to the store is classified into various types according to the functions. First, since the credit card lookup called the CAT terminal provides only the credit settlement function, the hardware specification is low.

Recently, a variety of functions have been incorporated into a credit card checker, and a credit card checker having high specification hardware has been proposed.

As currently proposed, a high specification credit card inquiry machine has a POS (Point of Sale) terminal mainly used in department stores, supermarkets, discount stores, convenience stores, retail stores and the like. The POS terminal is a device that automatically collects and records data at the point of sale automatically and immediately when it is used for single item sales management, inventory management, customer management, sales management, and business management. The terminal has a file function for temporarily recording the data, and an online function for connecting and transmitting data at the time of sale to a host device (head office host computer, etc.), and the specification conforms to the PC (Personal Computer) class.

In addition, in the case of a credit card inquiry device having a high specification, a credit card inquiry device that has been previously filed (patent application number; 2002-0017524) and an advertisement method using the same, display unit such as an LCD (Liquid Crystal Display) monitor, and a stoppage, In order to store advertisement-related information including images and moving pictures, a storage unit, which is a large-capacity storage such as a hard disk, and a control unit for controlling the same are included.

Due to the configuration, the buyer controls the advertisement related information stored in the storage by the control unit included in the credit card checker so that the output advertisement is directly exposed to the buyer through the display unit. Provide by including.

As such, the credit card inquiry system is provided with advertisement function included in the basic function of credit settlement, or not mentioned above, but the credit settlement function includes various functions such as crime prevention function, fire guidance function and financial institution access function. It is evolving.

As described above, the specification of the credit card checker, which is proposed by incorporating various useful functions into the credit settlement function, is a high quality specification corresponding to the PC level, and thus the product purchase cost is very high.

For this reason, there is a problem that a buyer such as a store owner cannot easily purchase a purchase of a multi-functional credit card inquiry machine with a significantly high product purchase cost.

For this reason, companies that sell multi-functional credit card inquiries with a high product purchase cost are suggested to relieve the pressure on high costs through installment payments, but this also requires an installment amount over a long period of time. There is a problem.

Therefore, when purchasing a multi-function credit card checker, it is set as a product sales price, which is reduced to a much lower cost than a high cost, and in the case of a general credit card checker that provides only a credit settlement function, it does not pay the product sales price. There is a need for a technical means to purchase a credit card checker at a price that is almost free of charge and can be purchased at a lower cost.

The present invention is to solve the problems of the prior art, the object of the present invention is to purchase a credit card lookup device that provides a multi-function is set as the product sales price, not only to reduce the cost much lower than the high cost as well as the credit settlement function only. In the case of the general credit card checker provided, a credit settlement system with technical means for purchasing a credit card checker at a cost that is almost free of charge, which is almost free of charge, without having to pay the established product sales price. And providing a method.

As a technical concept for achieving the present invention, the credit settlement performance system of the present invention includes a bank-based credit card which records credit card member information to be submitted at the time of a credit settlement request; A merchant credit card query unit for generating and transmitting credit payment approval request information including credit card member information read out from the bank-based credit card, input credit payment information and pre-stored merchant information; Receive credit payment approval request information from the merchant credit card inquiry machine, read the transmitted credit approval request information to determine the credit settlement, and transmit the determined credit settlement approval information to the merchant credit card inquiry terminal for credit. A credit card company server for performing a payment, wherein the credit card company server is a same bank affiliated credit card company server operated by the same bank as the bank affiliated credit card, and the bank affiliated credit card company server manages and operates the credit card inquiry machine. In the case of a credit settlement request made through a bank account opened by a merchant and a bank affiliated credit card issued by the bank affiliated credit card company, the affiliated financial list information stored as a list of the affiliated financial information consisting of cumulative point information is accumulated. DB; And a point operation engine, wherein the point operation engine controlled by the bank-based credit card company server recognizes the generated credit card payment approval information and then requests credit approval from the merchant financial list information DB. Cumulative point information is extracted from the affiliated store's financial information for the affiliated store, and accumulated and stored as much as a predetermined point in the extracted accumulated point information.

The merchant financial information stored in the merchant financial list information DB includes the payment amount information for each installment month of the merchant credit card inquiry when the affiliate owner purchases the merchant credit card inquiry in installment, and reminds the monthly installment payment. Withdrawn from the bank account opened by the merchant included in the merchant financial information, the point operation engine is the points stored in the accumulated points information included in the merchant financial information stored in the merchant financial list information DB from the installment payment Control to withdraw by subtraction.

The point operation engine, if the points stored in the accumulated point information included in the merchant financial information stored in the merchant financial list information DB is more than the active payment of the credit card inquiry machine, the merchant financial list information by the difference Controls the refund to the bank account included in the merchant's financial information stored in the DB.

As such, the process of performing a credit settlement using the credit settlement performance system of the present invention includes the steps of requesting a credit settlement using a banking credit card; Generating credit payment approval request information for requesting credit payment at a merchant credit card inquiry machine according to the credit payment request and transmitting it to the outside; After receiving the credit approval approval information transmitted from the same bank affiliate card company that issued the bank affiliate credit card, the credit settlement approval information is determined by referring to the transmitted credit settlement approval request information, and then the determined credit settlement approval information is Transmitting to the affiliated credit card inquiry terminal to perform a credit settlement; Checking whether there is a bank account opened by the affiliated store that manages and operates the affiliated store credit card checker which requested the credit settlement after performing the credit settlement; Accumulating points when there is a bank account opened by an affiliated store that manages and operates the affiliated credit card checker requesting a credit settlement; Checking whether the merchant credit card inquiry requesting the credit purchase is purchased in installments; If the merchant credit card inquiry requesting a credit payment is purchased in installments, the withdrawal is made by deducting by the accumulated points from the installment payment withdrawn through the bank account of the merchant managing and operating the merchant credit card inquiry.

If the merchant credit card inquiry requesting the credit settlement is purchased in installment, the accumulated points are withdrawn by deducting by the accumulated points from the installment payment withdrawn through the bank account of the merchant operating and managing the merchant credit card inquiry. If is greater than the installment payment, the difference is refunded to the merchant's bank account.

The present invention provides an installment payment of a high-cost credit card lookup machine that is purchased as an installment using points earned from a credit card company that issued the bank-based credit card when using a bank-based credit card as a payment method at a merchant. Through technical measures to reduce the amount of credit card inquiries, the merchants can reduce the purchase cost of the credit card inquiries and reduce the purchase cost of the credit card inquiries. By promoting the use of credit cards to consumers, banking credit card companies have the added benefit of realizing win-win marketing, which circulates in the profits of commissions on credit payments.

Hereinafter, with reference to the accompanying drawings, the configuration and operation of the embodiment of the present invention will be described in detail.

1 is a system configuration diagram showing a credit settlement performance system of the present invention.

As shown, the credit settlement performance system of the present invention comprises a bank-based credit card 100, merchant credit card query machine 200 and credit card company server.

First, the bank-affiliated credit card 100 is a credit card member information, which is required for credit payment, is recorded, and is a general card company such as Lotte Card, Samsung Card, LG Card, Hyundai Card, VISA, MASTER, JCB, etc. It is limited to cards issued by banking card companies among foreign card companies and Kookmin Bank, Woori Bank, Shinhan Bank, Korea Exchange Bank, and Jeju Bank.

The merchant credit card inquiry machine 200 generates credit settlement approval request information including credit card member information read out from the bank-based credit card 100, input credit settlement information and pre-stored merchant information. And a terminal for performing a credit settlement by receiving credit settlement approval information corresponding to the transmitted credit settlement approval request information, according to a storage method of credit card member information stored in the bank-based credit card 100. Terminals having various data reading methods are selected and provided.

That is, when the bank-based credit card 100 is a magnetic card, the data reading means uses a merchant credit card inquiry machine 200 that is a magnetic reader, and when the bank-based credit card 100 is an RF card, the data reading means is RF. A merchant credit card checker 200, which is a reader, may be used, wherein an RF card is a radio frequency identification (RFID) card, and wirelessly transmits and processes specific information using a radio frequency using a small semiconductor chip. A credit card based on the identification system.

In addition, when the bank-based credit card 100 is an integrated circuit card, the reading means uses an IC reader, such as a merchant credit card inquiry having various data reading means according to the type of the bank-based credit card 100. The device 200 may be provided, and in some cases, a magnetic reading method, an RF reading method, and an IC reading method may be provided in combination.

The credit card company server receives the credit settlement approval request information from the merchant credit card inquiry machine 200, reads the transmitted credit settlement approval request information to determine the credit settlement approval, and then determines the credit settlement approval information based on the determined credit settlement approval information. It is a server that transmits to the credit card inquiry terminal 100 to provide a credit settlement, and is limited to the same bank-based credit card company server 300 that is operated by the same bank as the bank-based credit card 100.

In the same bank-based credit card company server 300, the bank account issued by the bank-based credit card company, along with the bank account opened by the merchant managing and operating the merchant credit card inquiry machine 200, the merchant information to authenticate that the merchant. In the case of a credit payment request through the credit card 100, the merchant financial list information DB 310 and the point operation engine 320, in which the merchant financial information consisting of accumulated point information accumulated as a list, are stored as a list. .

Among these, the point operation engine 320 is controlled by the same bank affiliated credit card company server 300, after the generated credit card payment authorization information is transmitted to the merchant credit card inquiry machine 200, the merchant financial list In the information DB 310, the accumulated point information is extracted from the financial information for the affiliated stores of the affiliated stores that have requested the credit settlement, and is accumulated and stored as much as a predetermined point in the extracted accumulated point information.

And the merchant bank information stored in the merchant financial list information DB 310 of the same bank affiliated credit card company server 300, if the merchant owner purchases the merchant credit card inquiry machine (200) in installment corresponding merchant credit card inquiry machine Includes the payment amount information for each installment month of 200, the monthly installment payment is withdrawn from the bank account opened by the merchant included in the merchant financial information, the point operation engine 320 is the merchant financial list The amount of points stored in the accumulated point information included in the affiliated store financial information stored in the information DB 310 is controlled to be withdrawn from the installment price.

In addition, the point operation engine 320 may have more points stored in the accumulated point information included in the affiliated store financial information stored in the affiliated store financial list information DB 310 than the credit value of the credit card inquiry machine 200. In this case, the difference is controlled so as to be refunded to the bank account included in the affiliated store's financial information stored in the affiliated store's financial list information DB 310.

In addition, a credit card checker 200 for transmitting credit approval request information and credit approval information and the same bank affiliated credit card company server 300 are generally connected to a value added network and connected to the value added network. The system is constructed such that each information is relayed and transmitted by the value added communication network.

 2 is a flowchart illustrating a credit settlement process using the credit settlement performance system of the present invention. The credit settlement process of the present invention will be described using this as follows.

First, in the affiliated store (S10) for requesting a credit payment using a bank-based credit card, a consumer requests a credit settlement of a purchase item using a bank-based credit card (100).

In the step S20 of generating a credit payment approval request information for requesting a credit payment by the merchant credit card inquiry machine according to the credit settlement request, the merchant credit card inquiry machine 200 in the merchant by the credit settlement request of the consumer. After reading the credit card member information of the corresponding consumer by inputting the goods price, the merchant credit card inquiry machine 200, the credit settlement including the pre-stored merchant information along with the input credit card member information and goods price The process of generating the authorization request information and transmitting to the same bank affiliate card company server (300).

After determining the credit settlement approval with reference to the transmitted credit settlement approval request information, and transmitting the determined credit settlement approval information to the merchant credit card inquiry terminal 100 to perform a credit settlement (S30) is the same bank affiliate card company The server 300 reads the transmitted credit card payment approval request information to determine the credit card payment approval, and then transmits the determined credit card payment approval information to the merchant credit card inquiry machine 200 to perform the credit payment. It's a process.

After performing the credit settlement and checking whether there is a bank account opened by the affiliated store that manages and operates the affiliated credit card checker 200 that requested the credit settlement (S40) manages and operates the merchant credit card checker 200. In order to confirm whether a merchant has opened a bank account opened by a bank belonging to the same series as a credit card company that issued a bank-based credit card 100, the point operating engine 320 of the same bank-based card company server 300 is If there is a merchant information matched with the merchant information included in the credit settlement approval request information previously transmitted and the merchant financial list information DB 310, after extracting the merchant information of the merchant, the extracted merchant It is a process to check whether the bank account information of the merchant is stored in the financial information.

If there is a bank account opened by the merchant that manages and operates the merchant credit card inquiry requesting the credit settlement step (S50), if the bank account information of the merchant is not stored in the merchant financial information, the operation ends. If the bank account information of the affiliated store is stored, the cumulative point information included in the affiliated financial information extracted from the affiliated store is extracted and accumulated by the predetermined points in the extracted accumulated point information. If the credit settlement is performed by the bank-based credit card (100) issued by the card company operating (300) is a process of providing benefits to the merchant side points earned.

In addition, after the step S50 to accumulate points, the step of checking whether the merchant credit card inquiry requesting a credit payment was purchased in installments (S60) is the active part at the time of purchase of the merchant credit card inquiry machine 200 provided in the merchant In order to check whether the purchase through the point operation engine 320 is to check whether the payment information for the installment month of the merchant credit card inquiry machine 200 is included in the financial information for the merchant of the merchant previously extracted It is a process.

As such, the main reason for confirming the purchase related installment of the merchant credit card inquiry machine 200 is as a part to reduce the purchase cost of the credit card inquiry device that is only high as the various functions other than the credit settlement function are combined, Implementing a technical means for merchants to deduct installment payments from installment purchases of credit card inquiries using points accumulated every time a credit settlement is made through a banking credit card issued by a banking credit card company. For sake.

As a result, merchants recommend the use of bank-based credit cards to consumers, which can realize win-win marketing that circulates to the interests of bank-based credit card companies.

If the merchant credit card inquiry requesting a credit settlement is purchased in installments, the step of deducting and withdrawing the accumulated points from the installment payment withdrawn through the bank account of the merchant operating and managing the merchant credit card inquiry (S70) If the financial information for the merchant does not include payment amount information per installment month of the merchant credit card inquiry machine 200, and if included, the point operation engine 320 installment month from the merchant financial information for the merchant The payment amount information for each payment is extracted, and the installment payment is recognized by referring to the extracted payment amount information for each installment month and then deducted by the accumulated points from the installment payment through the bank account of the affiliated store.

In addition, the point operation engine 320 controls the difference to be refunded through the bank account of the affiliated store when the accumulated points accumulated more than the installment payment.

1 is a system configuration diagram showing a credit settlement performance system of the present invention,

2 is a flowchart illustrating a credit settlement process using the credit settlement performance system of the present invention.

<Code Description of Main Parts of Drawing>

100: bank affiliate credit card 200: merchant credit card inquiry machine

300: Same bank affiliate card company server 310: Merchants financial list information DB

320: Point operation engine

Claims (6)

A bank-based credit card (100) in which credit card member information is recorded and submitted at the time of credit request; Merchant credit card query machine 200 for generating and transmitting credit card approval request information including credit card member information read out from the bank-based credit card 100, input credit payment information and pre-stored merchant information; ; After receiving the credit settlement approval request information from the merchant credit card inquiry machine 200, reading the transmitted credit settlement approval request information and determining the credit settlement approval, the determined credit settlement approval information is used as the merchant credit card inquiry terminal ( In the credit card company server for transmitting the credit to 100), The credit card company server is the same bank-based credit card company server 300 is operated in the same bank as the bank-based credit card 100, The bank-based credit card company server 300, the bank account opened by the merchant managing and operating the credit card inquiry machine 200 and credit payment request through the bank-based credit card 100 issued by the bank-based credit card company In the case that the provided financial information for the affiliated store financial information for the affiliated store consisting of accumulated accumulated point information is stored as a list DB 310; And a point operation engine 320; The point operation engine 320 controlled by the bank-based credit card company server 300 recognizes the generated credit card payment approval information and then requests credit approval from the merchant financial list information DB 310. A credit settlement performance system, comprising: extracting cumulative point information from the merchant's financial information for a merchant and accumulating and storing the accumulated point information as much as a predetermined point. The method of claim 1, In the merchant financial information stored in the merchant financial list information DB 310, when the merchant owner purchases the merchant credit card inquiry machine 200 in installment, the payment amount information for each installment month of the merchant credit card inquiry machine 200 is provided. Included, the monthly installment payment is withdrawn from the bank account opened by the merchant included in the merchant financial information, The point operation engine 320 controls credit so that points stored in the accumulated point information included in the affiliated store financial information stored in the affiliated store financial list information DB 310 are withdrawn from the installment payment. Payment performance system. The method of claim 2, When the point operation engine 320 has more points stored in the accumulated point information included in the merchant financial information stored in the merchant financial list information DB 310 than the credit value of the credit card query machine 200, The credit settlement performance system, characterized in that for controlling the refund to the bank account included in the merchant financial information of the merchant stored in the merchant financial list information DB 310 by the difference. Requesting a credit payment using a bank-based credit card (S10); Generating credit payment approval request information for requesting credit payment at a merchant credit card inquiry machine according to the credit payment request (S20); After receiving the credit approval approval information transmitted from the same bank affiliate card company that issued the bank affiliate credit card, the credit settlement approval information is determined by referring to the transmitted credit settlement approval request information, and then the determined credit settlement approval information is Transmitting to the affiliated credit card inquiry terminal to perform a credit settlement (S30); Checking whether there is a bank account opened by the affiliated store that manages and operates the affiliated store credit card inquiry requesting the credit settlement after performing the credit settlement (S40); And crediting points when there is a bank account opened at the affiliated store that manages and operates the affiliated credit card checker requesting the credit settlement (S50). The method of claim 4, wherein After step S50 to earn the points, Checking whether the merchant credit card inquiry requesting the credit settlement is purchased in installments (S60); If the merchant credit card inquiry requesting a credit payment was purchased in installments, the withdrawal is made by deducting as much as the accumulated points from the installment payment withdrawn through the bank account of the merchant managing and operating the merchant credit card inquiry (S70). Credit settlement performance method characterized in that. The method of claim 5, If the merchant credit card inquiry requesting the credit settlement is purchased in installments, the accumulated credit is deducted by the accumulated points from the installment payment withdrawn through the bank account of the merchant managing and operating the merchant credit card inquiry. If the point is more than the installment payment credit payment method characterized in that the difference is refunded to the bank account of the merchant.

Images