KR101129166B1 - Method and system for mediating payment - Google Patents

Abstract

The present invention enables a purchaser to make a credit transaction with a plurality of sellers through a card medium that enables credit transactions online, and to allow a seller to bear a risk of payment through the card medium. Mediation method and payment mediation server.
In connection with an embodiment of the present invention, the payment brokering method may further include: displaying information about a sale item and a sale condition of a sales entity by a display unit of a payment brokerage server; Receiving, by the receiving unit of the payment intermediation server, a purchase request from the terminal of the purchase entity of the purchase entity of the purchase entity through a card medium capable of granting credit from a plurality of sales entities within a preset total credit limit; Transmitting, by the transmission unit of the payment intermediation server, the received purchase request to the terminal of the sales entity; Checking, by the credit information management unit of the payment intermediation server, the credit information provided by the sales representative through the card medium when the sales representative agrees to the purchase request; Transmitting, by the transmission unit of the payment intermediation server, payment information to a card company server; When the credit is granted within the remaining credit limit of the card medium, approving the payment based on the received payment information by the card company server; And when the payment company receives payment from the purchaser, the card company server may deposit the sale price to the sales entity.

Description

Payment brokerage method and payment brokerage system {METHOD AND SYSTEM FOR MEDIATING PAYMENT}

The present invention relates to a payment brokerage method and a payment brokerage system for enabling a purchaser to conduct a credit transaction with a seller on-line through a card medium capable of granting credit to a plurality of sellers.

Today, with the rapid development of communication networks such as the Internet, trading transactions between buyers and sellers through communication networks are becoming common. This is because through the Internet, sellers can easily advertise products to various people in a short time without any space constraints, and buyers can also purchase goods conveniently.

Therefore, there are many internet shopping malls and open markets on the Internet that can buy and sell goods. However, when trying to purchase a large amount of goods using such an internet shopping mall or an open market, the buyer may have a problem of lack of funds. Therefore, the buyer often wants to trade with the seller through a credit. In particular, when both the buyer and the seller are businesses, that is, in a B2B transaction, payment through a credit may be necessary as in offline.

However, since it is difficult to know exactly the creditworthiness of the buyer online, there is a risk that the seller may not be paid in time when the credit transaction, the seller has avoided granting the credit to the buyer.

However, if the transaction through the credit can be activated online, the seller can expect to increase the profit through the increase in sales, and the buyer can also obtain the price reduction effect through the mass purchase of the goods.

Therefore, at present, there is an urgent need to introduce a payment intermediation system through a credit card that can be credited among multiple traders to reduce the risk of sellers due to credit transactions and to activate online transactions.

It is an object of the present invention to enable a credit card transaction with a plurality of sales entities through a card medium that enables credit transactions online, and to allow a sales entity other than a card company to bear the risk of payment through the card medium. To provide a payment brokerage method and payment brokerage system.

In order to achieve the above object, the present invention comprises the steps of the display unit of the payment intermediation server to display information on the sale of goods and sales conditions of the sales subject; Receiving, by the receiving unit of the payment intermediation server, a purchase request from the terminal of the purchase entity of the purchase entity of the purchase entity through a card medium capable of granting credit from a plurality of sales entities within a preset total credit limit; Transmitting, by the transmission unit of the payment intermediation server, the received purchase request to the terminal of the sales entity; Checking, by the credit information management unit of the payment intermediation server, the credit information provided by the sales representative through the card medium when the sales representative agrees to the purchase request; Transmitting, by the transmission unit of the payment intermediation server, payment information to a card company server; When the credit is granted within the remaining credit limit of the card medium, approving the payment based on the received payment information by the card company server; And depositing a selling price to the selling subject when the payment is received from the buying subject by the card company server.

In order to achieve the above object, the present invention provides a display unit for displaying information on sales items and selling conditions of a selling subject, and a purchase subject through a card medium that can be credited from a plurality of selling subjects within a preset total credit limit. Receiving unit for receiving a purchase request for the sales subject, if the sales subject agrees to the purchase request, credit information management unit for confirming the credit information provided by the sales subject through the card medium, the received purchase request A transmission unit for transmitting to a terminal of a selling subject and transmitting payment information to a card company server, a product storing information and selling conditions of the selling subject, information about the selling subject and the purchasing subject, and a database storing payment information, and A display unit, the reception unit, the credit information management unit, the transmission unit, and the data A payment brokering server including a control unit for controlling the base as a whole; And if the credit is granted within the remaining credit limit of the card medium, approving the payment based on the payment information, and in case the payment is received from the purchaser, depositing the sales price to the sales entity. It provides a payment brokerage system comprising a.

According to an embodiment of the present invention, the purchase subject may use the credit medium on the credit online with a plurality of selling subjects by using a card medium which can be given a plurality of credits within a preset total credit limit. Therefore, the purchase subject can purchase a large amount of goods through the card medium that can be credited, thereby obtaining a price reduction effect, and the sales subject can also increase sales by expanding the transaction size.

In addition, according to one embodiment of the present invention, since it is possible to perform a credit transaction with a plurality of sales subjects through one card, it is possible to prevent waste of goods and labor caused by issuing a plurality of card media.

According to an embodiment of the present invention, since the selling agent grants a credit, when the purchasing agent pays using the card medium, the actual risk is borne by the selling entity rather than the card company. Done. In other words, the card company does not bear any particular risk because the card company only needs to deposit the payment price to the sales entity when the payment amount is received from the purchase agent. Therefore, according to one embodiment of the present invention, when paying through the card medium, it is possible to lower the fee of the card company.

On the other hand, according to an embodiment of the present invention, by the payment intermediation server to mediate payment through the card medium, it is possible to exploit the card medium to lower the risk of doing business with a third subject, a predetermined total It is possible to grant credit to each sales subject only within the limits of the credit, so that the risk of the credit of the selling subject can be reduced.

1 is a view for schematically illustrating a payment intermediation system related to an embodiment of the present invention.
2 is a block diagram illustrating a payment intermediation server related to an embodiment of the present invention.
3 is a flowchart illustrating a payment brokering method associated with an embodiment of the present invention.
4 is a flowchart illustrating a method for mediating negotiation between a sales agent and a purchaser related to an embodiment of the present invention.
FIG. 5 is a flowchart illustrating an issuing procedure of a card medium capable of granting a plurality of credits according to an embodiment of the present invention.
6 is a view showing an embodiment of the present invention.

The terms used in this specification will be briefly described and the present invention will be described in detail.

While the present invention has been described in connection with what is presently considered to be the most practical and preferred embodiment, it is to be understood that the invention is not limited to the disclosed embodiments. In addition, in certain cases, there is also a term arbitrarily selected by the applicant, in which case the meaning will be described in detail in the description of the invention. Therefore, the terms used in the present invention should be defined based on the meanings of the terms and the contents throughout the present invention, rather than the names of the simple terms.

Throughout the specification, a credit contract or a credit transaction is a contract in which one of the parties promises to give money or other credit to the other party, and according to an embodiment of the present invention, a sales entity may be required to It may mean deferment of payments.

Throughout the specification, when a part is said to "include" a certain component, it means that it can further include other components, without excluding other components unless specifically stated otherwise. In addition, the terms “… unit”, “… unit”, “module”, etc. described in the specification mean a unit that processes at least one function or operation, which may be implemented by hardware or software or a combination of hardware and software. have.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art may easily implement the present invention. The present invention may, however, be embodied in many different forms and should not be construed as limited to the embodiments set forth herein. In the drawings, parts irrelevant to the description are omitted in order to clearly describe the present invention, and like reference numerals designate like parts throughout the specification.

1 is a view for schematically illustrating a payment intermediation system related to an embodiment of the present invention.

According to an embodiment of the present invention, the purchase agent 100 may refer to an economically active agent who wants to purchase an item through online. In addition, according to an embodiment of the present invention, the selling subject 300 may mean a subject to sell the goods through online.

The purchase entity 100 and the sales entity 300 may be a corporation such as a large company or a small and medium company, or may be a general individual.

The purchase subject 100 and the sales subject 300 may communicate with the payment broker server 200 through a terminal. The terminal includes a mobile terminal as well as a fixed terminal.

That is, the terminal includes a personal computer (PC), a notebook computer, a mobile phone, a smart phone, a digital broadcasting terminal, a personal digital assistant (PDA), a portable multimedia player (PMP), a navigation system, an e-book. A terminal, a template PC, and the like can be included.

According to an embodiment of the present invention, the purchase subject 100 may make a credit transaction with the sales subject 300 through the card medium 400. That is, the purchase subject 100 purchases goods using the card medium 400 to which the selling subject 300 has given a credit, and then proceeds to settle the card. In the related art, although a bill or the like has been used for a loan on an offline basis, when a plurality of parties make a credit transaction online, it is impossible to use a bill or the like. The goddess will be given.

According to an embodiment of the present invention, the card medium 400 may be implemented in the form of a mobile card and a virtual card, in addition to the magnetic card or IC card (smart card) generally used.

According to the International Organization for Standardization (ISO), a card in which one or more integrated circuits (ICs) are inserted is collectively called an IC card. Compared to the existing magnetic card (magnetic card), it has a very large memory capacity, high function and stability. The mobile card means that a smart card chip inserted into a mobile terminal can be used to buy things like a credit card, can be used as a transportation card, or can be used as an online payment means. The virtual card does not actually have a shape, but includes a card's basic information, such as a card number and an expiration date, and means a card implemented in a virtual space.

Therefore, according to an embodiment of the present invention, the card medium 400 issued by the card company server may be a type card in which a shape exists, a mobile card mounted in a mobile terminal, or the like, and a substantial shape does not exist. It may be a virtual card.

However, unlike the general credit card in the card medium 400, the sales entity 300 may grant a credit. Therefore, the card medium 400 can not be used to make general payments, and can be used only when purchasing and paying the goods of a specific sales subject 300 to which a credit is granted. In addition, when the payment is made through the card medium 400, the payment date is determined according to the contents of the credit transaction granted by the sales entity 300. Therefore, even if the purchase subject 100 purchases goods from the plurality of sales subjects 300 and pays through the card medium 400, the payment date may be different for each sales subject 300.

According to an embodiment of the present invention, since the selling subject 300 grants credit to the purchasing subject 100 individually, even if the purchasing subject 100 pays through the card medium 400, The card company server 500 does not have to pay the selling price to the selling entity 300 immediately. The card company server 500 deposits a selling price to the selling subject 300 only when a payment is received from the buying subject 100 on the payment date. As a result, even if the purchase subject 100 pays through the card medium 400, the risk of the payment of the payment subject of the purchase subject 100 is not the card company, but the sales subject 300. Therefore, when the purchase subject 100 pays through the card medium 400, the card company fee can be lowered.

According to an embodiment of the present invention, the card company server 500 may set the total credit limit range in the card medium 400 by evaluating the credit rating of the purchase subject 100 and the like. In this case, the purchase agent 100 may make a credit transaction within the total credit limit of the card medium 400.

According to an embodiment of the present invention, the purchase subject 100 may make a credit transaction online with the plurality of sales subjects 300 using one card medium 400. However, since the total credit limit of the card medium is set in advance, the subordinate-ranking seller 300 may grant the credit only within the remaining credit limit of the card medium 400. This is to prevent the selling entity 300 from taking a big risk in transaction when the purchase entity 100 does not pay the selling price.

For example, a purchase entity 100 called OO Industrial Company is issued a card medium 400 having a card number of 1234-6678-9100-0001 for crediting, and the card medium 400 has a total loan of 1 billion. Suppose the limit is set. Seller 1 grants 200 million / 3 months of credit to the card medium (card number 1234-6678-9100-0001), and seller 2 gives 7 to the card medium (card number 1234-6678-9100-0001). In the case of granting a credit of 100 million / 2 months, even if Seller 3 intends to grant 300 million / 1 month to the card medium (card number 1234-6678-9100-0001), the total credit limit would exceed 1 billion. In this case, payment is not approved.

However, when the purchase entity 100 actually pays the existing credit and the remaining credit limit increases, a new transaction may be performed. For example, if the 00 company paid 200 million credits to the seller 1, the remaining credit limit would be 300 million won excluding the 700 million won credit to the seller 2, so that the seller 3 It is possible to assign a credit of 300 million / 1 month to the medium (card number 1234-6678-9100-0001).

According to an embodiment of the present invention, the card medium 400 is a card number, expiration date, card basic information such as CVC (Card Verification Code), total credit limit, issuer applicant, that is, information such as purchase subject (100) May be included. Since the card medium 400 is issued with one card per purchase entity 100, and the total credit limit of the card medium 400 is set according to the degree of credit of the purchase entity 100, the card medium 400. ) Will include the general credit limit and information on the applicant.

According to an embodiment of the present invention, the payment intermediation server 200 is the purchase agent 100 and the sales entity 300 credits the card medium 400 online and the card medium 400 You can mediate payment through.

The payment mediation server 200 may be a single server or may be composed of a plurality of servers. According to an embodiment of the present invention, the payment intermediation server 200 may include a payment server and a value-added network (VAN) server.

The payment gateway is a credit card company or bank that the buyer deals with on behalf of the seller (shopping mall) so that the buyer can use the credit card on the internet or transfer the account in the electronic commerce through an internet shopping mall or the like. It is a kind of electronic payment agency that provides a service that collects a fee from the company and removes a certain fee and pays the remaining amount to the seller.

The value-added network (VAN) provides voice or data information that has added value such as accumulating, processing, and converting information beyond a simple transmission function by directly owning a line or renting or using a line of a carrier. Can mean a broad and complex set of services.

When the payment intermediation server 200 is composed of a plurality of servers, the online shopping mall web server may be viewed as a first payment mediation server, the payment server as a second payment mediation server, and the VAN server as a third payment mediation server. . Information may be exchanged between the first payment mediation server, the second payment mediation server, and the third payment mediation server through communication. According to an embodiment of the present invention, the payment broker server 200 may be composed of the online shopping mall web server and the payment server.

In addition, when the payment broker server 200 is a single server, the payment broker server 200 may serve as the payment server and the VAN company.

According to an embodiment of the present invention, the payment broker server 200 may operate a website that can broker the sale of goods online. The website may include an online shopping mall or an open market.

An internet shopping mall refers to a virtual store in a virtual space. The Internet shopping mall has an advantage that the operating costs are almost inexpensive from the operator's point of view, are not restricted by commercial rights, and can provide product information suitable for consumers' tastes.

Open market refers to an intermediary type internet shopping mall where individuals and small retailers freely trade goods online, beyond the general shopping mall sales method. That is, the open market may have a plurality of sales subjects. The open market can be sold at a lower price than the existing ones because it can omit intermediate distribution margins from the internet shopping mall.

In addition, according to an embodiment of the present invention, the website may be provided to the mobile communication terminal in the form of mobile web (WEP) or WAP (WAP). The mobile web refers to a browsing technology that allows a mobile terminal to access a wired web site. WAP (wireless application protocol) refers to a communication protocol designed to allow a mobile terminal such as a mobile communication device, a personal digital assistant (PDA), or a wireless terminal to access the Internet.

According to an embodiment of the present invention, the purchase subject 100 and the sales subject 300 may register as a member for providing a payment brokerage service on the website, in this case, the purchase subject 100 Can apply for issuance of the credit card that can be credited through the website, the vendor 100 is able to apply to join the merchant that can use the card medium. In this case, one card medium 400 may be issued per member ID, and another member cannot make a transaction using the same card medium 400. This is because the total credit limit range set in the card medium 400 may be different because the degree of credit is different for each purchase entity 100.

For example, if a purchase entity 1 having an ID of ABC is issued a card medium having a card number of 1234-5678-9012-3456, the purchase entity having an ID of ABC may be a sales entity 1, a sales entity 2, or a sales entity. 3 and the credit card using the card medium (card number 1234-5678-9012-3456) is possible, but the purchase agent 2 having an ID of DEF is the card medium (card number 1234-5678-9012-3456) You cannot use it to trade credit with the sales agent 1. Purchasing subject 2 can only perform credit transactions with the selling subject 1 only if the purchase subject 1 and the other self have been issued a card medium.

According to one embodiment of the present invention, the payment intermediation server 200 confirms the applicant for issuing the card medium 400, that is, the purchase subject 100, and within the remaining credit limit of the card medium, a plurality of By allowing the selling entity 300 to grant a credit to the specific card 400, it is possible to make a credit transaction with a plurality of selling entities 300 through one card. Labor waste can be prevented. In addition, the payment intermediary server 200 checks whether the transaction between the sales subject 300 that is granted the credit system systematically and the purchase subject 100 is correct, and then transmits the payment information to the card company server 500, credit online Reduce the risk of trading.

On the other hand, according to an embodiment of the present invention, the payment broker server 200 may exit the defective sales entity 300, and provides the price comparison information of the plurality of sales entity 300 to the purchase entity (100) By doing so, it is possible to broker a safe transaction. Hereinafter, the configuration of the payment brokerage server 200 will be described in detail with reference to FIG. 2.

2 is a block diagram illustrating a payment intermediation server related to an embodiment of the present invention.

According to an embodiment of the present invention, the receiving unit 210, the display unit 220, the credit information management unit 230, the transmission unit 240, the database 250 is implemented in one program in conjunction with the control unit 260 Alternatively, the controller 260 may be implemented on a separate program.

According to an embodiment of the present invention, the receiving unit 210 of the payment broker server 200 may receive the information on the sale goods and sales conditions from the sales entity 300. In addition, the receiving unit 210 may receive a purchase request for the sales entity 300 of the purchase entity 100 through the card medium 400 that is capable of granting a plurality of credits within a preset total credit limit. Can be. In this case, the receiving unit 210 receives whether or not the other party agrees to the proposed selling price and credit, and if the other party agrees, the sale of the purchaser 100 according to the agreed content. The purchase request for the subject 300 may be received.

According to an embodiment of the present invention, the display unit 220 may display the information on the selling goods and the selling conditions of the selling entity 300 and provide the same to the purchasing entity 100. In this case, the display unit 220 may compare the sale product and the sale conditions of the selling entity 300 and provide the same to the purchasing entity 100 through a website operated by the settlement brokerage server 200. .

According to one embodiment of the invention, the credit information management unit 230, if the sales subject 300 agrees to the purchase request, the credit information that the sales subject 300 is granted through the card medium 400 You can check. In addition, the credit information management unit 230 may store and manage, in the database 250, a credit grant amount and an expiration date for each sales entity 300 who has granted a credit to the specific card medium 400.

For example, the selling agent 1 grants 200 million / 3 months of credit to the card medium A issued by the purchasing agent 1, the selling agent 2 grants the credit of 300 million / 2 months, and the selling subject 3 100 million. In the case of granting a credit of 2 months, the credit information management unit 230 may manage the credit amount and the period of each of the selling subject 1, the selling subject 2, and the selling subject 3 that provided the credit to the card medium A for each selling subject. will be.

According to an embodiment of the present invention, the transmission unit 240 may transmit the received purchase request to the terminal of the sales entity 300 and transmit payment information to the card company server 500. In addition, the transmission unit 240 may transmit to the other party the contents of the sale price and credit grant proposed by one of the purchase entity 100 and the sales entity 300 for consultation.

According to an embodiment of the present invention, the database 250 may store product information and sales conditions received from the sales entity 300. The database 250 may also store information about the selling entity 300 and the buying entity 100 to ensure secure credit transactions. The information on the purchase entity 100 may also include payment overdue information on the card medium 400. According to another embodiment of the present invention, the payment delinquency information for the card medium 400 of the purchase subject 100 may be stored in the card company server 500.

In addition, the database 250 may also store information about the card medium 400 issued by the purchase agent 100.

According to an embodiment of the present invention, the control unit 260 controls the receiving unit 210, the display unit 220, the credit information managing unit 230, the transmitting unit 240, and the database 250. Overall control is possible. In addition, the controller 260 may provide delinquent information on the card medium 400 of the purchase subject 100 to the terminal of the sales subject 300.

Hereinafter, a detailed description will be given of a method of efficiently brokering a credit payment using the card medium 400 by the payment mediation server 200 through each configuration of the payment mediation server 200.

3 is a flowchart illustrating a payment brokering method associated with an embodiment of the present invention.

According to an embodiment of the present invention, the receiving unit 210 of the payment broker server 200 may receive information on sales goods, sales conditions, and the like from the terminal of the sales entity 300. In this case, the display unit 220 may provide the purchase entity 100 with information on the sale goods and the sale conditions of the sale entity 300 [S310].

The information about the sale product may include information about a product code, a manufacturing date, an expiration date, a product price, a manufacturer, a color, a size, a product quantity, and a delivery. The information on the sales condition may include information on the size and duration of the credit to be granted by the sales entity 300.

For example, the display unit 220 may be a sales entity such as "300,000 won per 10 box special light bulbs can be credited for 2 months, delivered within 10 days from the payment date, 100,000 won / 50Box unit, free replacement / return damaged goods", etc. Content received from the 300 can be displayed on the website.

According to an embodiment of the present invention, the receiver 210 is the sales subject 300 of the purchase subject 100 through the card medium 400 that can be given a plurality of credits within the preset total credit limit range The purchase request for may be received from the terminal of the purchase subject 100 [S320].

The purchase request may include contents regarding credit terms. The credit conditions may include information regarding credit size and payment method. The payment means may include payment through the card medium, cash payment, credit card payment. The cash settlement may include a passbook, real time account transfer.

That is, the selling entity 300 and the purchasing entity 100 may perform a credit transaction for the entire sales price, but may also perform a credit transaction for only a portion of the sales price. As a result, the purchase entity 100 may use various payment methods (compound payment) including a credit transaction.

For example, if the sale price is 10 million won, 5 million won can be deposited through online bank transfer, and the remaining 5 million won can be credited to the card medium 400 by granting a 2-month credit. In another embodiment, 4 million won of the sale price is to be paid by bank deposit, 3 million won to pay with a normal credit card, and the remaining 3 million won by giving a credit of 3 months The card medium 400 may be used for payment.

According to an embodiment of the present invention, the selling entity 300 may grant an individual credit to the card medium 400, provided that the credit card does not exceed the total credit limit of the card medium 400. Can be recognized. Since the selling subject 300 may be plural, credits may be granted to the card medium 400 of a lower ranking selling subject within the remaining credit range except the size of the credit given by the senior selling subject in the total credit limit. Will be.

According to an embodiment of the present invention, the transmission unit 240 may transmit a purchase request of the purchase subject 100 to the terminal of the sales subject 300 [S330]. This is to receive from the terminal of the sales entity 300 whether the sales entity 300 agrees to the purchase request of the purchase entity 100.

According to an embodiment of the present invention, the payment intermediation server 200 may be mediated so that the settlement method and product price may be negotiated between the purchase entity 100 and the sales entity 300. Therefore, when the sales entity 300 finally agrees to the purchase request of the purchase entity 100, payment can be performed. This will be described later in detail with reference to FIG. 4.

When the sales entity 300 agrees to the purchase request of the purchase entity 100, the credit information management unit 230 of the payment intermediation server 200 determines that the sales entity 300 is the card medium 400. Credit information assigned to the can be confirmed [S340].

The credit information may include a credit amount (amount), a credit card number, a sales subject (credit code) to which the credit is granted, and a purchase subject (member ID) to which the credit is granted.

By checking the credit information, the payment intermediation server 200 can prevent the purchase subject 100 from abuse and misuse of the card medium 400, the purchase subject 100 and the sales subject 300 It will be able to broker a credit for online credit between the two. That is, according to an exemplary embodiment of the present invention, the purchase subject 100 makes a payment through the card medium 400 while making a transaction with the sales subject 300 that has not given credit to the card medium 400. Can be prevented.

As a result of the check, when the information regarding the selling subject 300, the card medium 400, and the purchasing subject 100, which is granted the credit, is correct, the transmitting unit 240 transmits the payment information to the card company server 500. Can be given [S360].

The payment information refers to information necessary for making a payment for a purchased item. According to an embodiment of the present invention, the payment information includes a card number, an expiration date, a CVC value, a payment card company, a payment bank, a credit period, a total credit limit, a residual credit limit, an ID of a purchase subject 100, a sales subject ( Information such as an affiliated store code of 300 may be included.

When the transmission unit 240 transmits payment information, the payment information may be transmitted to the card company server 500 through a payment module included in the web page. The payment module may receive information such as a card number and an expiration date of the card medium 400 from the purchase entity 100. In addition, the payment module may be implemented in a programming language, for example, HTML (HyperText Markup Language), and included in the website. In this case, the payment module may be installed on the website by the payment system of the payment server or the card company server 500.

According to an embodiment of the present invention, when the credit granted by the sales agent 300 to the card medium 400 is within the limit of the remaining credit limit of the card medium 400 [S360], the card company server receives the received credit. The payment is approved based on the payment information [S370]. The card company server 500 checks the affiliate store code of the sales entity 300 and the card number of the card medium 400 through the member ID of the purchase entity 100, and the purchase entity 100 inputs the card number. The payment process is performed by checking the card password.

According to an embodiment of the present invention, whether the credit given to the card medium 400 by the sales entity 300 exceeds the remaining credit limit of the card medium 400 may be determined by the payment intermediation server 200. Or the card company server 500.

As a result, when the credit given to the card medium 400 by the selling agent 300 and the credit granted by the previous selling agent to the card medium 400 are within the total credit limit of the card medium 400, The card company server 500 may approve the payment and transmit the approved payment information to the payment intermediation server 200, the purchase subject 100, and the sales subject 300. If the payment is approved, the sales entity 300 should deliver the goods to the purchase entity 100 within a predetermined date.

In addition, the card company server 500 pays the selling price to the selling subject 300 after the purchase subject 100 deposits the payment amount on the payment date [S380]. Therefore, the credit card company may not bear the risk of paying the payment price of the purchase subject 100.

Hereinafter, before the purchase entity 100 makes a purchase request, the settlement brokerage server 200 mediates the negotiation between the sales entity 300 and the purchase entity 100 with reference to FIG. 4. Let's look at it.

4 is a flowchart illustrating a method for mediating negotiation between a sales agent and a purchaser related to an embodiment of the present invention.

According to an embodiment of the present invention, the transmission unit 240 may transmit the contents of the selling price and credit grant proposed by one of the purchase entity 100 and the sales entity 300 to the counterpart [S410]. ]. In this case, the receiving unit 210 receives the agreement of the relative subject to the proposed selling price and credit grant [S420]. The content of the credit may include information on whether or not to grant a credit to a percentage of the total selling price and the credit period.

If the other party agrees [S430], the payment unit 240 of the payment intermediation server 200 may transmit a contract conclusion fact to the purchaser 100. In this case, the receiving unit 210 may receive a purchase request for the selling entity 300 of the purchasing entity 100 according to the agreed content [S440].

However, when the counterpart does not agree [S430], the receiving unit 210 may receive new proposal contents with respect to the selling price and credit from the counterpart. In this case, the transmission unit 240 may transmit the new proposal contents to one party again.

Through this process, the settlement brokerage server 200 may broker an agreement regarding a credit transaction between the sales entity 300 and the purchase entity 100. Therefore, according to one embodiment of the present invention, the sales entity 300 and the purchase entity 100 can freely adjust the contents of the transaction contract, and through the exchange of opinions, can conclude the contract with reasonable contents.

For example, if the seller registers the sales information on the website as "300,000 won per 10Box special lamp, cash / card, delivery within 10 days from the payment date, 100,000 won / 50Box unit", Report the registered sales information, and can deliver the contents of the proposal "special payment 300Box 9 million won, two-month credit payment, cash payment when receiving 600,000 won" through the payment intermediation server 200 to the vendor. have. In this case, the seller may send a consent to the payment broker server 200 for the contents proposed by the buyer, but "special bulb 300Box 9 million won, 4 million won 2 months credit payment, 5 million won cash / New card payment "may be delivered to the purchaser through the payment intermediation server 200. In this case, when the purchaser agrees with the newly proposed contents of the seller, the purchase request is made with the contents of "special bulb 300Box 9 million won, 4 million won 2 months credit payment, 5 million won cash / card payment". And payment can proceed.

On the other hand, according to an embodiment of the present invention, the contents of the proposal of the purchase entity 100 and the sales entity 300 may be transmitted in the form of a note or mail. In addition, the seller 300 may check the delinquent information of the purchase entity 100 provided by the payment broker server 200 in granting credit to the contents proposed by the purchase entity 100. .

Hereinafter, a process of issuing the card medium will be described in detail with reference to FIG. 5.

FIG. 5 is a flowchart illustrating an issuing procedure of a card medium capable of granting a plurality of credits according to an embodiment of the present invention.

According to an embodiment of the present invention, the purchase entity 100 is registered as a member on the website operated by the payment broker server 200 [S510], the payment broker service provided by the payment broker server 200 Can be used. In this case, the purchase agent 100 may apply for issuance of the card medium 400 which can be granted a plurality of credits separately from the membership registration process through the website [S520]. The card medium issuance application may be made at the same time as the membership registration process, or may be made at this time.

According to an embodiment of the present invention, the card medium 400 is issued per member ID of the purchase subject 100 subscribed as the member. In this case, the payment intermediation server 200 may proceed to verify identity through a certificate.

According to an embodiment of the present invention, the transmission unit 240 may transmit information regarding the card medium issuance application to the card company server 500 [S530].

The card company server 500 determines whether or not to issue the credit card, etc. of the purchase entity 100 based on the received application for issuing the card medium 400, and total credit limit for the card medium 400 to be issued. The range is set [S540].

According to an embodiment of the present invention, the card company server 500 transmits the issued card medium 400 to the purchase agent 100. In this case, when the card medium 400 is a virtual card, the card company server 500 may deliver the card number and password of the card medium 400 to the mail of the purchase entity 100 applying for issuance. There is [S550].

On the other hand, according to an embodiment of the present invention, the sales agent 300 applies for joining the merchant of the card medium 400 in order to grant a credit to the purchase agent 100 through the card medium 400. can do. In this case, the sales entity 300 may also apply to join a merchant through a membership registration procedure of the website. The transmission unit 240 of the payment broker server 200 may transmit the information regarding the affiliated store subscription application to the card company server 500. The card company server 500 may determine whether to approve an affiliate store by evaluating the degree of credit of the affiliate store.

Hereinafter, referring to FIG. 6, a detailed description will be given of a payment brokering method related to an embodiment of the present invention.

6 is a view showing an embodiment of the present invention.

As shown in FIG. 6, according to one embodiment of the present invention, a 00 industrial company, which is a purchase subject 100, may apply for issuance of a card medium capable of granting a plurality of credits. It is assumed that the 00 industrial company, which is the purchaser 100, has an ID of ABC and is issued a card medium A having a card number of 1234-5678-9100-0001 and a total credit limit range of 1 billion.

According to an embodiment of the present invention, the 00 sales company 300 may register sales information regarding its own product ball bearing on the website. The sales information may include price information, payment method, and contents related to delivery. Therefore, the 00 Co., Ltd. is a content of "500,000 won per box of 6-inch titanium ball bearings, 60% 2 months credit of payment, 10,000 won / 1 box shipping, free replacement / return of damaged goods", etc. on the website You can register.

In this case, the 00 industrial company, which is the purchase subject 100, may confirm sales information regarding the '6 inch titanium ball bearing' of the 00 company registered on the website, and may wish to purchase it. At this time, if the 00 industrial company is satisfied with the sales price and credit information of the 00 Co., Ltd., by clicking Buy Now, the payment broker server 200 can make a purchase request.

However, in the case where it is desired to adjust the price and credit conditions with respect to the sales information registered by the 00 corporation, the 00 industrial company may click on the consultation request and proceed with the 00 corporation. If the purchaser 100, 00, wants to purchase 10 boxes of 6-inch titanium ball bearings for 5 million won, 50% of the payment will be made for 3 months and 50% of the remaining payment will be paid in cash. If you want to do, 00 company is the sales entity 300 through the payment intermediary server 200, the proposal contents "6 inch titanium ball bearing, 10 box 5 million won, payment price 50% 3 months credit" Can be sent to.

In this case, 00 Co., Ltd. may agree to the contents proposed by 00 Industrial Co., Ltd., may propose new contents to 00 Industrial Co., Ltd., or may refuse to conclude a contract with 00 Industrial Co., Ltd.

When the 00 corporation agrees to the contents proposed by the 00 industrial company, the payment intermediation server 200 may provide the contract details of the contract 100 to the 00 industrial company, which is the purchase subject 100.

In this case, the payment intermediation server 200 may deliver the contract conclusion content in the form of an e-mail or a note to the 00 company, or may be provided to the 00 industry directly to confirm in the website window in which the consultation is carried out.

When the consultation between the 00 corporation and the 00 industrial company is completed, the 00 industrial company may apply for a purchase to the payment intermediation server 200 as described in the discussion. In this case, the payment intermediation server 200 may provide the content of the consultation to the purchase entity 100 to check the payment information once again.

The payment information includes a merchant code (for example, merchant code: 123) of the sales entity 300, an ID (for example, ID: ABC) of the purchase entity 100, a delivery place (for example, 00 o'clock 00 123 00 00, 00-dong), purchase quantity (for example, 10 boxes of 6-inch titanium ball bearings), purchase price (for example, 5 million won), shipping cost (for example, 100,000 won), payment method ( For example, unpaid deposit: 2.25 million, payment through credit card A credited media: 2.25 million, card number (e.g. 1234-5678-9100-0001), expiration date (e.g. month / year: 07/15).

If the payment information is correct, the payment intermediation server 200 receives the password of the A card medium from the purchase entity 100 and proceeds with payment. According to an embodiment of the present invention, the payment broker server 200 may transmit the purchase information to the card company server 500 through the payment module.

In this case, the card company server 500 may check the received payment information, and may check whether the credit granted by the 00 corporation to the card medium A does not exceed the total credit limit of 1 billion.

If there was one billion credits already granted to the card medium A before the 00 corporation granted the credit, the 00 corporation would not be granted a credit.

On the other hand, as shown in Fig. 6, the credit granted to the card medium A is 2.55 million won, and if the credit has been previously assigned to the card medium A only 100 million, even if the sum of 100 million to 2.25 million won Since the billion won is not exceeded, the card company server 500 will approve payment.

When the card company server 500 approves the payment, the 00 industrial company should make an unpaid bank deposit immediately upon approval of 2.25 million won, and the 00 company will deliver 10 boxes of ball bearings to the 00 industrial company. For the remaining 2.55 million won of payment, 00 industrial company pays the card company three months later. The card company server 500 deposits 2.55 million in the 00 corporation after the 00 industrial company pays 2.55 million won.

The embodiments of the present invention described above are not implemented only through systems and methods, but may be implemented through a program that realizes a function corresponding to the configuration of the embodiments of the present invention or a recording medium on which the program is recorded. Implementations can be readily implemented by those skilled in the art from the description of the above-described embodiments.

In addition, although the embodiments of the present invention have been described in detail above, the scope of the present invention is not limited thereto, and various modifications and improvements of those skilled in the art using the basic concepts of the present invention defined in the following claims are also provided. It belongs to the scope of the invention.

100: purchaser
200: payment broker server
300: sales agent
400: card medium
500: card company server
210: receiver
220: display unit
230: Credit Information Management Department
240: transmission unit
250: database
260: control unit

Claims (12)

Displaying information on a sale subject and a sale condition of a sales subject by the display unit of the payment intermediation server;
Receiving, by the receiving unit of the payment intermediation server, a purchase request from the terminal of the purchase entity of the purchase entity of the purchase entity through a card medium capable of granting credit from a plurality of sales entities within a preset total credit limit;
Transmitting, by the transmission unit of the payment intermediation server, the received purchase request to the terminal of the sales entity;
Checking, by the credit information management unit of the payment intermediation server, the credit information provided by the sales representative through the card medium when the sales representative agrees to the purchase request;
Transmitting, by the transmission unit of the payment intermediation server, payment information to a card company server;
When the credit is granted within the remaining credit limit of the card medium, approving the payment based on the received payment information by the card company server; And
When the payment company receives the payment from the purchaser, the card company server, comprising the step of depositing the sale price to the sales entity,
The settlement brokerage server is a brokerage method, characterized in that the purchase agent and the selling agent brokers the online credit card to the credit card and the payment through the card medium. The method of claim 1, wherein receiving the purchase request
Transmitting, by the transmission unit, a content of a sale price and a credit granted by one of the purchasing and selling entities to the counterpart;
Receiving, by the receiving unit, whether the counterparty agrees to the proposed selling price and credit; And
If the counterpart agrees, the receiving unit receives a purchase request for the sale subject of the purchase subject according to the agreed content,
The information regarding the credit granting is a settlement brokerage method comprising the content of the credit period and whether or not to give a percentage of the percentage of the total selling price. The method of claim 1, wherein the payment intermediation server
Payment intermediary method, characterized in that for providing the delinquent information of the purchase subject to the terminal of the sales subject. The method of claim 1, wherein the purchase request is
Payment intermediary method further comprising at least one payment means of cash payment and credit card payment. The method of claim 1, wherein the payment mediation method
The credit information management unit further comprises the step of storing and managing the credit amount and the time limit for each sales subject to whom the credit card is credited in the database. The method of claim 1, wherein the card medium
Receiving, by the receiving unit, an application for issuance of the card medium from the terminal of the purchase subject;
Transmitting, by the transmission unit, the received card medium issuance application information to the card company server;
Approving the issuance application for the card medium by the card company server through the credit evaluation of the purchase subject;
Setting, by the card company server, a total credit limit for the card medium; And
And the card company server is issued through the step of transmitting the contents of the card medium issuance to the terminal of the purchase subject. A display unit for displaying information on sales items and sales conditions of a sales subject;
A receiving unit for receiving a purchase request for the selling entity of the purchasing entity through a card medium that can be credited from a plurality of selling entities within a preset total credit limit;
Credit information management unit for confirming the credit information provided by the sales subject through the card medium, if the sales subject agrees to the purchase request,
A transmission unit for transmitting the received purchase request to the terminal of the sales entity and transmitting payment information to a card company server;
A database for storing product information and selling conditions of the selling subject, information about the selling subject and the purchasing subject, and payment information; and
A payment intermediation server including a control unit which controls the display unit, the receiving unit, the credit information managing unit, the transmitting unit, and the database as a whole; And
If the credit provided is within the remaining credit limit of the card medium, the card company server approves the payment based on the payment information, and if the payment amount is received from the purchaser, deposits the sales price to the sales entity. Include,
The settlement brokerage server is a brokerage system, characterized in that the purchase agent and the selling agent brokers the online credit card to the credit card and the payment through the card medium. The method of claim 7, wherein the transmission unit
Transmitting the contents of selling price and credit grant proposed by one of the purchasing and selling subjects to the other subject,
The receiving unit receives whether the counterparty agrees to the proposed selling price and credit grant, and if the counterparty agrees, receives a purchase request for the selling party of the purchase subject according to the agreed contents. ,
The information regarding the credit granting is a payment brokerage system, characterized in that the content of the credit period and whether or not to credit the percentage of the total sale price. The method of claim 7, wherein the control unit
The settlement brokerage system, characterized in that for providing the delinquent information of the purchase subject to the terminal of the sales subject. 8. The method of claim 7, wherein the purchase request is
Payment intermediary system further comprises at least one payment means of cash payment and credit card payment. According to claim 7, wherein the credit information management unit
The payment brokering system, characterized in that for storing the credit amount and the period of the credit for each of the selling subjects to whom the credit card is credited in the database. 8. The method of claim 7, wherein the card medium is
Receiving, by the receiving unit, an application for issuance of the card medium from the terminal of the purchase subject;
Transmitting, by the transmission unit, the received card medium issuance application information to the card company server;
Approving the issuance application for the card medium by the card company server through the credit evaluation of the purchase subject;
Setting, by the card company server, a total credit limit for the card medium; And
And the card company server is issued through the step of transmitting the contents of the card medium issuance to the terminal of the purchase subject.

Images