KR20170025867A - A method of processing standardized sales information and its system - Google Patents

Abstract

The present invention relates to a method and system for processing standardized revenue information.
The method of the present invention is a method for processing standardized sales information, comprising the steps of: receiving sales data from a card terminal by a mediating server; processing the sales data received by the mediating server according to a predetermined professional format; Encrypting the processed sales data, and transmitting the encrypted sales data to the financial server by the intermediary server.

Description

[0001] The present invention relates to a method and system for processing standardized sales information,

The present invention relates to a method and system for information processing, and more particularly, to a method and system for processing standardized sales information.

In recent years, purchases of goods, services, or commodities have often been made by payment methods such as credit cards or cash cards rather than direct transactions with cash. This is because you do not need to have cash and you can use it conveniently anywhere. Thanks to its convenience, credit card payments are actively made not only at large stores but also at small and medium sized shops.

In general, when a credit card is settled at a store, the store, which is a card merchant, sends an approval request to the card company through VAN. When the card company approves the payment, the settlement process is completed. At this time, the card merchant will receive a payment receipt from the credit card company only after a few days after the receipt of the credit card.

In terms of sales volume, the total sales of card settlement accounts for a considerable portion as the usage of the card increases relative to cash. The number of days from the card company's receipt of the settlement payment depends on the proportion of the sales of the card settlement, which has a lot of influence on the cash flow. Especially for some small to medium sized shops. For these reasons, efforts are being made to find ways to cash in on these receivables more quickly.

As part of this effort, there are financial institutions that provide credit services from credit card merchants as collateral. Card merchants can secure cash liquidity by quickly cashing their receivables through loans. It is possible to prevent the cash flow from deteriorating as it becomes possible to receive the loan payment even before receiving the settlement of accounts receivable from the credit card company.

However, there is a problem in that the loan service using the receivables as collateral may not be able to receive benefits according to the credit rating of each card merchant, or that the funds should be paid at a relatively high interest rate.

In addition, as a precondition for providing such services, it is necessary to be able to quickly and accurately compute information on accounts receivable of card merchants, and systematic systems are often not available. In general, trade receipt information is collected by receiving VAN's login information from a card merchant, for example. However, this method risks the leakage of personal information that is not related to the receivables information. It is not, however, that a formal system has been established to collect information on accounts receivable from card companies or card merchants and transmit them to financial institutions.

In particular, information on accounts receivable due to card settlement at each card merchant has a problem of mutual incompatibility. This is because the merchandise information is generated in a unique data format depending on which VAN company uses each terminal of each card merchant. As a result, the sales data generated from the card merchant stores exist in a unified data format, and if such information is collected, accurate aggregation can not be achieved.

On the other hand, the following prior art discloses a method for collecting sales information.

Korean Patent Laid-Open Publication No. 2014-0013581 discloses a system for collecting card sales information from a card payment terminal and a card issuer server and calculating a sales amount for each period or each card company. However, there is only an idea about the collection of card sales information, but the specific method is not disclosed, and especially considering the compatibility of the card terminal data format because it is performed for the purpose of internal use of the merchant who manages and confirms the sales not.

Korean Patent Laid-Open Publication No. 2005-0117595 discloses a method of purchasing a trade receivable for a credit card merchant or a method of processing a credit card credit system and a supplementary service, and the step of inputting credit card sales details from the credit card merchant is started However, it does not describe the specific method of how the sales history is inputted nor does it describe the sales history input method considering the above compatibility problems.

Accordingly, the inventor of the present invention has made a long effort to solve the above problems, and finally completed the present invention.

Korean Laid-open Patent No. 2014-0013581 (Feb. 5, 2014) Korea Patent Publication No. 2005-0117595 (disclosed on December 15, 2005)

It is an object of the present invention to provide an environment in which a receivables purchase service can be provided that can replace the service for the sale of a receivable-secured loan. The credit card information is accurately and promptly collected from the card merchant and delivered to the buyer so that the purchase service can be performed smoothly.

It is another object of the present invention to provide an information processing method and system in which compatibility problems do not occur even when sales data is collected from card franchisees of different types of card terminals. This helps the subject receiving the sales data to perform collective processing and improve the data processing efficiency.

It is also an object of the present invention to introduce a means for verifying the qualification requirements of a credit card merchant for commencement of a trade receipt purchase service. It is necessary to ensure that the buyer of the bond can more actively purchase the bond since the service is supposed to purchase the trade receivable itself rather than the loan of the collateralized bond. To guarantee this, it is necessary to judge whether the merchant's merchant credit is suitable for the financial service.

It is also an object of the present invention to enable a card merchant to designate the range of execution of a sales receipt purchase service as a purchase restriction requirement. This is because we can not say that we want to buy services for all accounts receivable that are generated by card merchants. Depending on the cash capacity of the card merchant, the range of receivables to receive service will be different.

Through the above-mentioned objects of the present invention, it is possible to create an environment in which a service for purchasing accounts receivable can be started, and to provide incentives for users to purchase accounts receivables and card merchants, We want to establish a foundation.

In the meantime, other objects not specifically described in the present invention will be further considered within the scope of easily deduced from the description of the invention described below.

In order to achieve the above object, the present invention provides a method for standardized sales information processing, comprising: receiving sales data from a card terminal by an intermediary server; Processing the sales data received by the mediation server according to a predetermined professional format; The intermediary server encrypting the processed sales data; And the mediation server transmitting the encrypted sales data to the financial server.

Also, in the method according to the preferred embodiment of the present invention, the sales data received from the card terminal by the mediation server may be sales data converted into a predetermined data format via the standardization module and transferred.

Further, in the method according to the preferred embodiment of the present invention, the intermediary server includes a step of searching for a guarantee DB from the sales data received from the card terminal and determining guaranteed sales data, It can be done using possible sales data.

Further, in the method according to the preferred embodiment of the present invention, the step of determining the guaranteed sales data may include a step of searching the database in which the mediation server matches the sales data.

In addition, in the method according to the preferred embodiment of the present invention, when the matching database exists, it may include determining whether the accumulated sales receipt amount of the sales data exceeds the limit of the guarantee amount predetermined in the database .

Further, in the method according to the preferred embodiment of the present invention, when the limit of the guaranteed amount is not exceeded, the processed sales data may include data indicating the guarantee confirmation.

In addition, in the method according to the preferred embodiment of the present invention, the sales data converted by the standardization module may be converted into a predetermined data format by selecting only a part of data generated by the card terminal.

Further, in the method according to the preferred embodiment of the present invention, the professional format includes a money amount professional format and a settlement special form, and the money amount professional format includes a data format for sales data in which the card payment is approved, The settlement professional format may include a data format for sales data in which the card payment cancellation is approved.

In addition, in the method according to the preferred embodiment of the present invention, the amount of money special form may include at least information on sales amount and number of sales for which credit card payment approval has been made can be classified by card issuer.

Further, in the method according to the preferred embodiment of the present invention, the settlement specialized format may include at least information necessary for specifying a receivable to cancel settlement.

As a means for solving the above problems, the present invention can process sales data in a unified format, so that data processing efficiency of the intermediary server and the financial company server receiving the sales data can be improved. In particular, it is possible to reduce the burden of receiving and processing incompatible sales data from each merchant, thereby securing sufficient resources to allocate more resources to other data processing for starting financial services. This will be beneficial in launching financial services more quickly.

With the ability to commence the purchase of accounts receivable services more quickly, card merchants can expect to improve their profits by lowering the opportunity cost of capital due to insolvency and by adjusting unit working capital. In particular, considering that payments to card receivables are made after an average of five days, we can reduce the 5-day unit capital to 1/5, There is an advantage that 4/5 can be converted into capital that adds various types of profits to generate profits.

In addition, since the information processing method according to the present invention selects and collects only necessary information according to the standardized format, the risk of unnecessary disclosure of information due to collecting the receipt information from the VAN company can be reduced. In particular, since the process of sorting information is performed before being transmitted to the intermediary server, unnecessary information (particularly, personal information) can be supplied to prevent a problem that may occur.

In addition, since the information processing method according to the present invention collects accounts receivable information from each merchant, it is possible to use such information as basic data for statistical calculation and use it as big data. This may be utilized as feedback information on the financial service according to the present invention. Furthermore, it is possible to provide a sales management agency service for each merchant. For example, it can be used as a database of tax and corporate taxation in connection with ERP systems of card merchants. This will help to promote the reasonable management of card merchants.

On the other hand, even if the effects are not explicitly mentioned here, it is possible to see from the description of the invention described below also the potential effects that ordinary artisans can expect, as described in the specification of the present invention.

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a diagram showing an exemplary flow of transferring sales information to a financial institution in a card payment system including a card company, a VAN company, and a card merchant.
FIG. 2 is a diagram illustrating how sales data is transferred from a card terminal to a financial service server according to an embodiment of the present invention.
3 is a diagram illustrating a process of processing sales data in the standardization module according to an embodiment of the present invention.
4 is a diagram illustrating a process of processing sales data in an intermediary server according to an embodiment of the present invention.
5 is a diagram conceptually illustrating a professional format for processing sales data in an intermediary server according to an embodiment of the present invention.
6 is a diagram illustrating a process of processing sales data in a financial company server according to an embodiment of the present invention.
The accompanying drawings are included to provide a further understanding of the technical idea of the present invention, and it is not intended to limit the scope of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the present invention, a detailed description of known functions and configurations incorporated herein will be omitted when it may obscure the subject matter of the present invention.

1 is a diagram 100 illustrating an exemplary flow of transferring sales information to a financial institution in a card payment system including a card company, a VAN company, and a card merchant.

The general procedure of card payment is as follows. When the customer 140 pays a credit card for the goods or services provided by the card merchant 110, a payment request is made from the card merchant 110 to the credit card company. At this time, the settlement request is transmitted to the credit card company 130 via the VAN company 120, and the credit card company determines whether the credit card is approved or not, and transfers the settlement request to the card merchant 110. When the card issuer 130 is approved, the card settlement is completed, and the card merchant 110 receives the merchandise receipt for the card issuer 130. Thereafter, only a few days later, the credit card company 130 receives the payment for the merchandise bond from the card merchant 110, and the credit card company 130 requests the customer 140 for the amount of the merchandise bond. If the customer 140 requests the cancellation of the payment for the goods or service, the cancellation is approved through the same process, and the settlement of the amount is made to the sales receipt of the card merchant 110 and the charge of the customer 140 Will be reflected in the history.

A financial service in which a purchase receipt for the card company 130 of the card merchant shop 110 is purchased by the financial company 160 so that the purchase price is paid to the card merchant shop 110 can be provided. This is a service that compensates for the fact that the card merchant 110 has to wait a few days to receive payment for the merchandise receipt. As the financial company 160 buys the merchandise of the credit card merchant 110, And the purchase price is paid to the card merchant 110 by applying a predetermined discount rate. As a result, the card merchant 110 can receive payment for the accounts receivable at an early stage.

Meanwhile, in order to provide the above-mentioned receivable-purchase service, the receivable information 150 to be purchased must be transmitted to the financial company 160. The receivables that are the target of the purchase should be accurately counted so that the problem will not arise even if the purchase procedure is carried out. The merchandise receipt information 150 of the card merchant shop 110 is shared between the card merchant shop 110, the VAN shop 120 and the card merchant 130, so that the merchandise receipt information 150 can be received from any one of them.

Conventionally, a method has been employed in which the access code for the VAN company 120 is arbitrarily given from the card member shop 110 to collect the receipt information 150, but this method has a weak point that unnecessary information may be exposed there was. In particular, there was a risk that even personal information unrelated to the receipt information 150 would be exposed. Thus, according to one embodiment of the present invention, the receipt information 150 is collected directly from the information on accounts receivable generated by the card merchant 110. Hereinafter, the method of transmitting the merchandise receipt information 150 from the card merchant 110 to the financial institution 160 will be described in detail with reference to FIG.

FIG. 2 is a diagram 200 showing that sales data is transferred from the card terminal 210 to the financial company server 250 according to an embodiment of the present invention.

Generally, the process of transferring the information of the accounts receivable generated by the card terminal to the bank server, which is the subject of purchasing the receivables, appears.

First, the card settlement procedure is completed at the card terminal 210, and sales data for the sales receivable is generated and transmitted to the mediation server 230. The sales data is transmitted to the standardization module 220 associated with the card terminal 210, The data is converted into a predetermined data format and transmitted. Since the installed OS may differ depending on the type of the card terminal 210 and the information processing algorithm may differ, the sales data may be generated in various formats according to the type of the card terminal. The standardization module 220 converts the sales data And converts it into a preset data format. At this time, the predetermined data format is matched with the reception format set in advance in the mediating server 230 receiving the sales data from the standardization module 220. That is, the data format transmitted by the standardization module 220 and the received data format of the intermediary server 230 correspond to each other and can be recognized. As a result, the broker server 230 can read the sales data in a consistent manner regardless of the sales data received from any card terminal 210.

According to an embodiment of the present invention, the standardization module 220 may be implemented in hardware or in a form of a program.

First, the hardware implementation of the standardization module 220 may be performed by attaching the standardization processing terminal to the card terminal 210 of the card merchant. This method is particularly advantageous when dedicated software is installed in the card terminal 210 and the standardization module can not be additionally installed in the form of a program. The standardization processing terminal corresponding to the standardization module can be largely composed of a portion for collecting the receipt information and a portion for transmitting the receipt information. Specifically, the standardization processing terminal includes at least a control unit (e.g., a CPU) having a calculation and command processing function, a memory unit having a storage function (e.g., RAM, ROM, etc.) (For example, a wired or wireless LAN card), an input unit (for example, an input port) for receiving sales data from the card terminal 210, and may have additional components . Also, at least the control unit and the communication unit may be implemented using a device such as a mobile phone or a tablet PC, and the implementation of software required to operate each component may be performed in the same or similar manner as described below. In particular, the communication unit can be configured so that the card terminal can transmit the merchandise receipt information to the VAN company through the separate network.

The implementation of the standardization module 220 in the form of a program can be performed when the card terminal of the card merchant has the POS system and the general-purpose OS is installed in the POS system, and the additional program can be installed. The standardization module 220 may include: (i) a data standardization processor that selectively sorts and stores data necessary for the accounts receivable service among the sales data collected from the card terminal 210 and standardizes the data in a predetermined format; (ii) A communication unit for transmitting the sales data to the mediation server 230, and (iii) an encryption unit for encrypting the data prior to storing and transmitting the standardized sales data. For reference, the encryption unit can use any encryption method that can be used by an ordinary technician such as RC4 or AES for data protection and encryption purposes. Also, the communication unit may be configured to transmit the merchandise receipt information through the network separate from the merchandise receipt information transmitted from the card terminal to the VAN company, as implemented through hardware.

According to one embodiment of the present invention, the standardization module 220 selects necessary information such as the terminal unique number, the user card company, the payment amount, and the payment time from the sales data generated by the card terminal 210, Can be standardized. By collecting and standardizing the data selectively in the standardization module 220, it is possible to prevent unnecessary information from being transmitted to the intermediation server 230 to cause various technical and legal problems, and to simplify the data to be processed The efficiency of data processing can be improved.

According to one embodiment of the present invention, the mediation server 230 receives the sales data from the standardization module 220 and decrypts the data, verifies the data, determines whether the data can be guaranteed, processes the data according to the professional format, and encrypts the data And transmits the resulting sales data to the financial company server 250. The intermediary server 230 can access the data stored in the DB in connection with the warranty DB. In particular, when determining whether the sales data can be guaranteed, the intermediary server 230 can refer to the database stored in the guarantee DB. The data processing performed by the mediation server 230 will be described in detail with reference to FIG.

According to one embodiment of the present invention, when the financial company server 250 receives the sales data processed in accordance with the professional format from the intermediary server 230 and acquires the sales data necessary for executing the sales receipt buying service, The bond purchase procedure proceeds with the disclosure. The card franchisees will be paid a purchase price with a certain discount rate according to the purchase of the bonds and will be able to secure cash liquidity. The data processing process and the service starting process performed by the financial company server 250 will be described in detail with reference to FIG.

3 is a diagram 300 illustrating a process for processing sales data in a standardization module in accordance with an embodiment of the present invention.

The card terminal generates sales data (S310), and the standardization module collects sales data from the card terminal (S320). As described above, the standardization module can be implemented according to the necessity or selection of a general technician among a program form installed in the card terminal or a hardware form installed in the outside, and the sales data generated by the card terminal is transmitted to the VAN company And may be stored and managed separately from those for that purpose.

The sales data collected by the standardization module is converted into the standard format (S330). The standardization module can standardize the sales data by using the preset data format as the standard format. According to an embodiment of the present invention, the predetermined data format can be determined to match the data reception format previously set in the mediating server, and such a configuration is advantageous for collective sales data reception processing in the mediating server. In addition, according to an embodiment of the present invention, the sales data converted by the standardization module may be one that has been converted into a preset data format by selecting only a part of the data generated by the card terminal. Selection of only a part of the data generated by the card terminal may be performed in the step of collecting the sales data from the card terminal by the standardization module or may be performed in the step of converting the collected sales data into the standard format. Selective data collection or standardization has the advantage of preventing unnecessary information from being leaked out of the card merchant to cause various technical and legal problems, and simplifying the data to be processed.

The standardization module encrypts the converted sales data (S340). Since the financial information of the card merchant is included in the sales data, it may be necessary to encrypt sales data in order to prevent data leakage. As described above, the cipher system can be employed in a conventional manner as needed or optional.

The standardization module transmits the encrypted sales data to the intermediary server (S350). As described above, the network in which the standardization module transmits the sales data to the intermediary server may be separate from the network in which the card terminal transmits the sales receipt information to the VAN company.

4 is a diagram 400 illustrating a process for processing sales data at an intermediary server in accordance with one embodiment of the present invention.

The mediation server receives the sales data from the standardization module (S410). As described above, the sales data received from the card terminal by the mediation server may be sales data converted into a predetermined data format via the standardization module and transferred. After the mediation server stores the sales data received from the standardization module, the data processing procedure can proceed.

The sales data received by the mediating server is verified and decoded (S420). By verifying the sales data received by the mediation server, it detects the data communication error between the standardization module and the mediation server and checks whether the data is compatible (ie whether the data format transmitted by the standardization module matches the received data format of the mediation server) If necessary, the mediation server may perform error correction on its own, or may request the standardization module to retransmit the sales data. On the other hand, if the information to be transmitted by the standardization module is encrypted, the decryption process corresponding to the encryption can be performed to enable subsequent data processing. According to an embodiment of the present invention, the encryption and decryption method between the standardization module and the intermediary server can be set in advance.

The warranty DB is retrieved using the sales data decrypted by the intermediary server (S430). The mediating server can search whether there is database information matched in the warranty DB based on the information included in the sales data in order to determine whether the sales data received from the card terminal is generated at the assured merchant. This process is intended to examine the qualification requirements of the card merchant for the purpose of commencing the purchase of the receivables, and it can be an incentive to enable the financial service server to positively engage in the purchase of the receivables. On the other hand, the criteria by which the mediation server searches the database of the warranty DB may be the identification information included in the sales data. For example, the mediating server can search for the information matching the terminal identification number among the database information stored in the warranty DB based on the terminal identification number that may be included in the sales data. For reference, necessary information such as the terminal identification number may be stored in advance in the guarantee DB to the merchant who can guarantee the merchant. If the mediation server searches the database of the warranty DB and finds information that matches the identification information included in the sales data, the card merchant that generated the sales data may be determined to be assured.

The mediation server determines sales data that can be guaranteed (S440). It is possible to check whether the sales data is within the guaranteed amount range from the database information matched with the search result in addition to determining the card franchisee that can be guaranteed as a result of the intermediary server searching the warranty DB using the sales data. For reference, the database information stored in the guarantee DB may include information that can identify which card merchant or sales data is generated in the card terminal, and amount information that can be guaranteed in advance. This assurance amount information can be determined according to the choice of the card merchant and stored in the guarantee DB, and can give the option to adjust the purchase range of the receivables flexibly according to the situation of the card merchant. Specifically, when the database matching the sales data exists in the warranty DB, the intermediary server can determine whether the accumulated sales receipt amount of the sales data exceeds the limit of the guarantee amount predetermined in the database. For reference, the cumulative accounts receivable amount of each card merchant or card terminal can be continuously monitored based on the sales data stored in the mediating server.

The mediation server processes the sales data in accordance with a predetermined professional format (S450). The intermediary server can process the data so that the specialized format of the sales data matches the received data format of the financial company server. This enables the sales data received by the financial company server to be processed in a batch manner, It can contribute to rapid processing and efficient management of resources. The professional format will be described in detail below with reference to Fig. On the other hand, as described above, when the sales data determines the sales data that can be guaranteed by the intermediary server, if the cumulative sales receipt amount does not exceed the predetermined amount of the guarantee amount in the database, And include data indicative of warranty confirmation in the sales data. This can help to quickly identify the sales data that can be guaranteed by checking only the presence or absence of the corresponding mark on the financial server receiving the sales data. For reference, it is possible that the intermediation server processes the sales data in accordance with the predetermined professional format using the guaranteed sales data.

The intermediary server encrypts the processed sales data (S460). The sales data processed by the intermediary server includes sensitive financial information enough to execute the accounts receivable purchase service, so that the sales data can be encrypted before sending the sales data to the financial server to prevent data leakage. However, the encryption and decryption between the intermediary server and the financial company server may be configured to correspond to each other so that the sales data can be decrypted in the financial company server. Meanwhile, in order to independently protect the data, the encryption / decryption method between the intermediary server and the financial company server may be configured differently from the encryption / decryption method between the intermediary server and the standardization module.

The intermediary server transmits the encrypted sales data to the financial company server (S470).

5 is a diagram 500 conceptually showing a professional format for processing sales data in an intermediary server according to an embodiment of the present invention.

According to one embodiment of the present invention, the professional format may include a monetary amount format 510 and a settlement monetization format 520. According to an embodiment of the present invention, the money amount professional format 510 may include a data format for the sales data in which the card payment is approved, and the settlement professional format 520 may include, Data formats.

According to an embodiment of the present invention, the money amount professional formatting 510 and the settlement accounting formatting 520 may include identification information that can commonly identify which card terminal the sales data is transmitted from. For example, the identification information may include terminal identification number information or merchant identification number information, and the merchant identification number may be obtained as a result of searching the warranty DB using the terminal identification number information. Such identification information may be utilized to calculate the total amount of the merchandise receivable for each terminal or each merchant when the financial company server determines the settlement amount.

According to an embodiment of the present invention, the money amount professional format 510 may include at least information on the sales date and time of the sales data. The sales data may be transmitted immediately or generated for a predetermined period of time at a card terminal. The sales data may be referred to before, (I.e., a range of time representing a time period).

According to one embodiment of the present invention, at least the amount of sales and the number of sales for which the card payment is approved may include information that can be classified by the card issuer. This information can be used to identify the amount of money that each card merchant will receive from each card company.

 According to one embodiment of the present invention, the settlement specialization form 520 may include at least information necessary to specify a receivable for which settlement is to be canceled. For example, the settlement specialization format 520 may include information on the date and time of the cancellation transaction, the date of the original transaction approval, the approval number, the credit card company code, and the cancellation amount.

According to an embodiment of the present invention, the sales data transmitted from the intermediary server to the financial company server may be any one of the sales data of the money amount professional format and the sales data of the settlement professional format.

6 is a diagram 600 illustrating a process of processing sales data in a financial company server according to an embodiment of the present invention.

The financial company server receives the sales data from the intermediary server (S610), and verifies and decodes the sales data (S620). By verifying the sales data, it is possible to advance to the task of recognizing, correcting and supplementing the errors that may occur in the data transmission process, and confirm whether the received professional format is compatible with the reception data format set by the financial company server. In the case of incompatible information, the financial service server may send a feedback signal to the mediation server. The manner in which the financial company server verifies the sales data may be determined to be the same as that performed in the intermediary server, or a normal technician may adopt other normal verification methods as needed. After verifying at the intermediary server, the financial data server can once again verify the sales data, thereby lowering the possibility of data distortion occurring in the data communication process and reducing the probability of erroneous data processing.

The financial company server starts the service of purchasing the receivables and notifies the card company of the purchase (S630). If sufficient data for the sales data aggregation from the intermediary server has been received, the buy receipt service start command can be transmitted to the receipt receipt. Upon receipt of the receivables purchase service, the credit card company is notified that the receivable of the card merchant has been purchased. The purchase notification form to be transmitted to the card company can be automatically completed and transmitted to the customer based on the contents included in the sales data.

The financial company server determines the amount of settlement using the sales data (S640). At this time, since the sales data transmitted from the intermediary server to the financial company server is processed according to a predetermined professional format as described above, the sum of the amounts of the accounts receivable is summed up (that is, The total amount of the receivable that can be bought can be determined for each card terminal or for each card merchant.

The financial company server pays the purchase price to the card merchant (S650). Once the total amount of the receivable receivable is determined, the proceeds of the receivable purchase may be paid to the merchant based on the total amount. The purchase price of the trade receivables may be paid after deducting a certain amount by applying a predetermined discount rate. The purchase price of the trade receivable may be an account or a virtual account opened for the merchant in the financial institution. In this case, the necessary settlement can be easily performed considering the financial relationship between the existing financial institution and the merchant. For example, if a merchant uses a credit card of the financial institution, the charge for the credit card may be offset against the purchase price of the receivable.

The financial company server retrieves the payment amount of the trade receivable from the card company to the card merchant account (S660). The collection of the settlement amount of the trade receivable may be followed by a method in which the card merchant automatically recovers the money deposited from the card company into the virtual account opened at the financial institution.

In connection with the representation of the figures of the present invention, each block may represent a module, segment or part of a code comprising one or more executable instructions for executing a particular logical function. Also, in some alternative examples, the functions mentioned in each block may function in a different order than described. For example, it is noted that two or more consecutively shown blocks may be performed substantially concurrently, or may be performed in reverse order according to the corresponding function. The drawings are exaggerated for convenience of description.

It is to be understood that the scope of protection of the present invention is not limited to the description and the expression of the embodiments explicitly set forth in the foregoing description and that various equivalents and modifications may be made by obvious alterations or permutations of the present invention do.

Claims (10)

As a method for standardized sales information processing,
The intermediary server receiving the sales data from the card terminal;
Processing the sales data received by the mediation server according to a predetermined professional format;
The intermediary server encrypting the processed sales data;
And the intermediary server sending the encrypted revenue data to the financial server. The method according to claim 1,
Wherein the sales data received by the mediation server from the card terminal is sales data converted into a predetermined data format via the standardization module and transferred. 3. The method of claim 2,
The intermediary server retrieving the guarantee DB from the sales data received from the card terminal and determining the guaranteed sales data,
Wherein the processing step is performed using the guaranteeable sales data. The method of claim 3,
Wherein the step of determining the warrantable sales data comprises:
And the mediation server retrieving a database that matches the sales data. 5. The method of claim 4,
And if the matching database exists, determining whether the cumulative trade receivable amount of the sales data exceeds a predetermined amount of the guaranteed amount in the database. 6. The method of claim 5,
And if the amount of the guarantee money is not exceeded, data indicating the guarantee confirmation is included in the processed sales data. 7. The method according to any one of claims 2 to 6,
Wherein the sales data converted by the standardization module is converted into a predetermined data format by selecting only a part of data generated by the card terminal. 7. The method according to any one of claims 1 to 6,
The professional format includes a monetary amount format and a settlement format,
The money amount professional format includes a data format for sales data in which the card payment is approved,
Wherein the settlement professional format includes a data format for sales data for which a card payment cancellation approval is made. 9. The method of claim 8,
Wherein the amount of money special form includes at least information that can be classified by the card issuer in terms of the amount of sales and the number of sales in which the card payment is approved. 9. The method of claim 8,
Wherein the settlement professional form includes at least information necessary to specify a receivable for which the settlement is to be canceled.

Images