Credit card intelligent payment system and payment processing method

Abstract

The present invention relates to a credit card smart payment system and a payment processing method, and more specifically, to a credit card smart payment system and a payment processing method that solves the problem that the monthly limit of the card company for the franchise store is full or the credit card payment can no longer be made due to other reasons of the franchise store, and realizes stable payment. To this end, it includes a smart terminal, a VAN network and a PG network, and depending on the setting of the smart terminal, VAN approval information is converted into PG approval information, and the payment processing according to the VAN link is changed to the payment processing according to the PG link, or the PG approval information is converted into VAN approval information, thereby changing from the payment processing according to the PG link to the payment processing according to the VAN link.

Description

Technical Field

[0001] The present invention relates to a credit card intelligent payment system and a payment processing method, and more specifically, to a credit card intelligent payment system and a payment processing method that solves the problem of being unable to make credit card payments due to monthly restrictions imposed by credit card companies on franchise stores or other reasons of franchise stores through VAN or PG links, and that can achieve double payment to achieve stable payment. Background Art

[0002] Typically, when a consumer using a credit card purchases or pays online or offline, it is known that the payment will be made offline through a VAN (Value Added Network) link and online through a PG (Payment Gateway) link.

[0003] This payment is known through Korean Laid-Open Patent No. 10-2006-0108358 and Korean Laid-Open Patent No. 10-2015-0029664 as a payment system currently generally used.

[0004] And when the credit card company approves the credit card payment through VAN link or PG link, the affiliated store provides the consumer with a credit card slip to complete the sale, and the approved sales amount will go through a reservation process and be deposited into the bank that opened the affiliated store's account, and the franchise store converts it into cash.

[0005] On the other hand, credit card companies usually set monthly limits on credit card payments to prevent various accidents caused by credit card payments in franchise store businesses.

[0006] Typically, franchise limits are determined by card company statistics that predict a certain level of sales based on the company's business type, and in practice, such franchise limits can easily be increased unless there is a specific reason for the franchise.

[0007] However, from the franchisee's perspective, monthly sales will vary depending on the time of year, and if a customer sets up a card payment based on the card company's franchisee limit and is unable to pay because the franchisee limit is exceeded, it will inevitably result in a loss of sales for the franchisee.

[0008] On the other hand, in online payment, through the PG link, PG ultimately signs a contract with the credit card company and the representative franchise store, performs credit card payments and payments as an agent, and obtains commissions from the lower-level shopping malls (franchise stores). In fact, since PG acts as an electronic payment service, the lower-level shopping malls that use the PG link can be regarded as offline franchise stores with no limit because PG acts as an electronic payment service.

[0009] However, offline, each franchise store is directly connected to the credit card company using a VAN link through each terminal, and the credit card payment limit of each franchise store may directly limit sales.

[0010] Therefore, a system is needed to solve the problem of being unable to use credit card payment when paying with a credit card offline due to exceeding the limit of the franchise store or special reasons, and to prevent credit card payment from being interrupted due to problems within the franchise store and to ensure stable payment. Summary of the invention

[0011] Technical issues to be solved

[0012] The present invention is proposed in view of the above-mentioned problems, and its purpose is to provide a credit card intelligent payment system and payment processing method that can stably perform credit card payments without interrupting the purchaser's credit card payment due to the limit of the franchise store or other reasons of the franchise store when making offline card payments through a terminal.

[0013] Technical Solution

[0014] In order to achieve the above-mentioned purpose, the credit card intelligent payment system of the present invention is characterized in that it includes: an intelligent terminal of a franchise store, which automatically sets up and executes a payment processing network through a VAN link or a PG link after inputting transaction information including card information, product amount and payment information according to the purchaser's IC credit card payment; a VAN network, which is used to encrypt and process the transaction information input according to the VAN link of the intelligent terminal as VAN approval information; and a PG network, which encrypts the transaction information input according to the PG link of the intelligent terminal into PG approval information and processes it.

[0015] Depending on the setting of the smart terminal, VAN approval information is converted into PG approval information, and payment processing based on VAN link is changed to payment processing based on PG link, or PG approval information is converted into VAN approval information, thereby changing from payment processing based on PG link to payment processing based on VAN link.

[0016] The smart terminal 100 includes at least one, a card reader unit 110, which inputs transaction information by reading the purchaser's credit card 2; a control unit 130 having a credit card payment link routing module, which selects a payment network according to the input transaction information and settings according to the VAN link or PG link; a VAN link approval information generation module, which generates approval information by encrypting it when linking to the VAN; a PG link approval information generation module, which is used to encrypt and generate approval information when PG linking; a response information analysis approval routing module, which analyzes the rejection reason and determines whether to establish a PG link when the approval information of the VAN link is rejected; a communication processing unit 140, which has a communication module for storing the VAN link approval module, the PG link approval module and the transaction information of the transaction completion in the DB server 200 through the communication network; a storage unit 150, which has a credit card immediate approval transaction storage module in which the transaction information before the transaction completion approval is encrypted and temporarily stored.

[0017] The intelligent terminal further includes: a screen output unit for outputting data including transaction information on a display; and a print output unit for outputting print information including a receipt of transaction completion through a printing device.

[0018] On the other hand, a credit card smart payment processing method using a smart credit card payment system is implemented as follows.

[0019] The method comprises: step S1, confirming the transaction information including the card information, the product amount and the payment information of the IC credit card from the purchaser, and selecting the VAN link or the PG link according to the setting; step S2, generating the VAN approval information according to the VAN link in step S1, and requesting the approval through the VAN network; step S3, confirming whether it is a normal approval or a rejection of the approval request according to the result of the approval request in step S2; step S4, in the case of normal approval in step S3, storing the transaction information and outputting the receipt to complete the transaction; step S5, when the approval is rejected in step S3, Analyze the error code; Step S6, when the error related to the franchise store is confirmed according to the step S5, it is automatically routed through the PG link to display the changes to the payment processing, convert the VAN approval information into PG approval information, and use the PG network to request approval; Step S7, according to the approval request result in the step S6, confirm whether it is approved normally or rejected; Step S8, if it is approved normally in the step S7, store the transaction information and output the receipt to complete the transaction; Step S8, if the approval is rejected in the step S7, determine whether there is an error related to the buyer and terminate the transaction.

[0020] The step S4 and the step S8 include the SS1 process of confirming the buyer's final purchase intention just before completing the transaction.

[0021] The SS1 process generates VAN approval information or PG approval information according to the cancellation request, uses the VAN network or PG network to request cancellation approval, and according to the result of the cancellation approval request, after normal approval, the canceled transaction information is stored in the server, and the temporarily stored transaction information is deleted.

[0022] The steps S4 and S8 include a transaction cancellation step S9 according to a purchase cancellation request from the buyer after the transaction is completed.

[0023] The transaction cancellation step S9 includes: process S91, confirming the cancellation information including card information, product amount and payment information of the purchaser's IC credit card; process S92, comparing the cancellation information in process S91 with the transaction information stored in server 200, and confirming whether the payment is processed through VAN link or PG link, generating VAN approval information or PG approval information according to the cancellation request based on the payment processing confirmed in process S92, requesting cancellation approval using the VAN network or PG network, storing the canceled transaction information in the server according to the result of the cancellation approval request, and deleting the temporarily stored transaction information.

[0024] Beneficial Effects

[0025] As described above, the credit card intelligent payment system and payment processing method according to the present invention have the effect of first improving security and convenience by automatically routing VAN links and PG links as needed when using IC credit cards to make payments for credit card payments.

[0026] Secondly, due to the dual payment structure linked by VAN or PG, franchise stores are not subject to franchise store limits, so payment will never be interrupted and payment can be completed stably. BRIEF DESCRIPTION OF THE DRAWINGS

[0027] Figure 1 is a diagram showing a credit card smart payment system according to the present invention.

[0028] Figure 2 It shows that according to Figure 1 Block diagram of the smart terminal.

[0029] Figure 3 It shows that according to Figure 2 FIG. 1 is a diagram of an embodiment of a screen displayed on a smart terminal.

[0030] Figure 4 It is a block diagram showing the processing procedure of the credit card intelligent payment system according to the present invention.

[0031] Figure 5 It shows that according to Figure 4Diagram of the process flow of credit card payment processing.

[0032] Figure 6 and Figure 7 It shows that according to Figure 5 A diagram of the flow of cancellation processing when a buyer requests transaction cancellation.

[0033] Figure 8 It is shown that according to Figure 2 FIG. 1 is a diagram of an embodiment of an administrator screen displayed on a smart terminal. DETAILED DESCRIPTION

[0034] As a preferred form of the credit card smart payment system of the present invention, it includes, the smart terminal 100 of the franchise store 10, after inputting transaction information including card information, product amount and payment information according to the purchaser's IC credit card payment, automatically sets up and executes the payment processing network through the VAN link or PG link;

[0035] The VAN network 1a is used to encrypt and process the transaction information input according to the VAN link of the smart terminal 100 as VAN approval information;

[0036] The PG network 1b encrypts the transaction information input according to the PG link of the smart terminal 100 into PG approval information and processes it.

[0037] According to the setting of the smart terminal 100, when approval is rejected due to an error related to a franchise store in the payment processing according to the VAN link, the PG link is automatically routed to display the change of the payment processing, and the VAN approval information is converted into the PG approval information, which consists of a double payment structure that changes from the payment processing according to the VAN link to the payment processing according to the PG link,

[0038] On the franchise store merchandise sales screen and credit card cancellation screen displayed on the display 101 of the smart terminal 100, select whether to pay via VAN link or PG link, or process synthetic payment identification by selectively changing VAN link and PG link.

[0039] Hereinafter, preferred embodiments of the credit card intelligent payment system and payment processing method according to the present invention will be described in detail with reference to the accompanying drawings.

[0040] When describing the present invention, detailed description of related well-known functions or structures will be omitted to avoid obscuring the gist of the present invention.

[0041] First, according to the credit card intelligent payment system and payment processing method of the present invention, the purchaser's IC credit card payment processing network is automatically changed and processed into VAN link or PG link payment processing according to the selection of the franchise store 10. Due to the dual payment structure, the franchise store is not subject to the limit of the franchise store and can make payments stably.

[0042] To this end, the credit card smart payment system 1 according to the present invention includes a smart terminal 100 provided in a franchise store 10, a VAN network 1a, and a PG network 1b.

[0043] The smart terminal 100 inputs transaction information including card information, product amount and payment information according to the purchaser's IC credit card payment, and automatically sets up and executes the payment processing network through the VAN link or PG link.

[0044] In addition, the VAN network 1a encrypts and processes transaction information input according to the VAN link of the smart terminal 100 as VAN approval information, and the VAN company 20a and the credit card company 40a are connected through the VAN network 1a.

[0045] The payment processing through the VAN network 1a follows a normal processing procedure, and a detailed description will be omitted so as not to make the gist of the present invention unclear.

[0046] Furthermore, the PG network 1b encrypts and processes transaction information input according to the PG link of the smart terminal 100 as PG approval information, and the PG company 30, the VAN company 20b and the credit card company 40b are connected through the PG network 1b.

[0047] The credit card smart payment system 1 manufactured as described above, according to the setting of the smart terminal 100, converts the VAN approval information into the PG approval information, and makes payment according to the PG link in the payment processing according to the VAN link, or converts the PG approval information into the VAN approval information, and changes the payment processing according to the PG link to the payment processing according to the VAN link.

[0048] At this time, the smart terminal 100 may be a POS terminal in the franchise store 10 that is generally approved by the VAN company and has its identification number registered, and may be a mobile device such as a smartphone that can perform the role of the POS terminal by installing a separate application.

[0049] At the same time, reference Figure 2 and Figure 4The smart terminal 100 includes at least one, card reader unit 110, which inputs transaction information by reading the purchaser's credit card 2; a control unit 130 having a credit card payment link routing module, which selects a payment network according to the VAN link or PG link according to the input transaction information and settings; a VAN link approval information generation module, which generates approval information by encrypting it when linking to the VAN; a PG link approval information generation module, which is used to encrypt and generate approval information when linking to the PG; a response information analysis approval routing module, which analyzes the rejection reason and determines whether to establish a PG link when rejecting the approval information of the VAN link; a communication processing unit 140, which has a communication module for storing the VAN link approval module, the PG link approval module and the transaction information of the transaction completion in the DB server 200 through the communication network; a storage unit 150, which has a credit card immediate approval transaction storage module in which the transaction information before the transaction completion approval is encrypted and temporarily stored.

[0050] According to this structure, a credit card payment processing method is selected by the control unit 130, and the credit card payment processing method is displayed so that the store owner of the franchise store or the purchaser can confirm it.

[0051] In addition, the intelligent terminal 100 further includes: a screen output unit 120 for outputting data including transaction information on a display; and a print output unit 160 for outputting print information including a receipt of transaction completion through the printing device 103 .

[0052] On the other hand, reference Figure 3 , the smart terminal 100 displays a screen capable of performing payment processing of a VAN link or a PG link on the display 101 through the screen output unit 120, showing a screen example.

[0053] As shown in the figure, an affiliated store merchandise sales screen, a coupon payment screen, a credit card cancellation screen, an affiliated store sales management screen, and an affiliated store tax refund screen are shown.

[0054] Furthermore, in the affiliated store merchandise sales screen and the credit card cancellation screen, it is possible to select whether to make payment through the VAN link or the PG link, or to process a composite payment identification by selectively changing the VAN link and the PG link as needed.

[0055] Initial payment processing settings can be optionally changed through the franchise sales management screen.

[0056] Next, we will refer to Figure 5 An embodiment of a payment processing flow according to a payment processing method using the credit card smart payment system 1 is described.

[0057] The payment processing method using the credit card intelligent payment system according to the present invention has the following process.

[0058] The method comprises the following steps: step S1, confirming the transaction information including the card information, the product amount and the payment information of the IC credit card of the purchaser, and selecting the VAN link or the PG link according to the setting; step S2, generating the VAN approval information according to the VAN link in step S1, and requesting the approval through the VAN network; step S3, confirming whether it is a normal approval or a rejection of the approval according to the result of the approval request in step S2; step S4, in the case of a normal approval in step S3, storing the transaction information and outputting the receipt to complete the transaction; step S5, when the approval is rejected in step S3, Analyze the error code; Step S6, when the error related to the franchise store is confirmed according to the step S5, it is automatically routed through the PG link to display the changes to the payment processing, convert the VAN approval information into PG approval information, and use the PG network to request approval; Step S7, according to the approval request result in the step S6, confirm whether it is approved normally or rejected; Step S8, if it is approved normally in the step S7, store the transaction information and output the receipt to complete the transaction; Step S8, if the approval is rejected in the step S7, determine whether there is an error related to the buyer and terminate the transaction.

[0059] Meanwhile, step S4 and step S8 include the SS1 process of confirming the buyer's final purchase intention before completing the transaction, referring to Figure 6 The SS1 process generates VAN approval information or PG approval information according to the cancellation request, uses the VAN network or PG network to request cancellation approval, and according to the result of the cancellation approval request, after normal approval, the canceled transaction information is stored in the server 200, and the temporarily stored transaction information is deleted.

[0060] In addition, step S4 and step S8 include a transaction cancellation step S9 according to a purchase cancellation request from the buyer after the transaction is completed. Figure 7 , the process is as follows.

[0061] The transaction cancellation step S9 includes, process S91, confirming the cancellation information including card information, product amount and payment information of the purchaser's IC credit card; process S92, comparing the cancellation information in process S91 with the transaction information stored in server 200, and confirming whether the payment is processed through VAN link or PG link, generating VAN approval information or PG approval information according to the cancellation request based on the payment processing confirmed in process S92, requesting cancellation approval using the VAN network or PG network, storing the canceled transaction information in server 200 according to the result of the cancellation approval request, and deleting the temporarily stored transaction information.

[0062] The above invention is intended for ordinary technicians in the field to which the present invention belongs. Various substitutions, modifications and changes can be made without exceeding the technical idea of ​​the present invention, and therefore it is not limited to the above embodiments and drawings.

[0063] As described above, according to the credit card intelligent payment system and payment processing method of the present invention, when an IC credit card is used to make a payment for a credit card payment, the VAN link and the PG link are automatically routed as needed, thereby not only improving security and convenience, but also due to the dual payment structure through the VAN or PG link, the franchise store is not subject to the franchise store limit, so that the payment will never be interrupted, and stable payment can be completed.

Claims

1. A credit card intelligent payment system, characterized in that: include: The smart terminal (100) of the franchise store (10) automatically sets up and executes the payment processing network through the VAN link or the PG link after inputting the transaction information including the card information, the product amount and the payment information according to the IC credit card payment of the purchaser; A VAN network (1a) for encrypting and processing transaction information inputted according to the VAN link of the smart terminal (100) as VAN approval information, wherein the VAN link refers to the direct connection of each franchise store by each VAN company to the credit card company through each smart terminal; The PG network (1b) encrypts the transaction information input according to the PG link of the smart terminal (100) into PG approval information and processes it. At this time, the PG link refers to the PG company signing a contract with a credit card company, processing credit card payments, and then collecting commissions from subordinate franchise stores; According to the setting of the intelligent terminal (100), when approval is rejected due to an error related to a franchise store in the payment processing according to the VAN link, it is automatically routed, the change of the payment processing is displayed through the PG link, and the VAN approval information is converted into the PG approval information, which consists of a double payment structure of changing from the payment processing according to the VAN link to the payment processing according to the PG link, The smart terminal uses a VAN link to directly connect to a credit card company, and selects whether to pay via a VAN link or a PG link on a franchise store merchandise sales screen and a credit card cancellation screen displayed on a display (101) of the smart terminal (100), or processes a synthetic payment identification by selectively changing the VAN link and the PG link.

2. The credit card intelligent payment system according to claim 1, characterized in that: The intelligent terminal (100) comprises at least one, A card reader unit (110) for inputting transaction information by reading a purchaser's credit card (2); The control unit (130) comprises a credit card payment link routing module, which selects a payment network according to a VAN link or a PG link according to input transaction information and settings; a VAN link approval information generation module, which encrypts and generates approval information during a VAN link; a PG link approval information generation module, which encrypts and generates approval information during a PG link; a response information analysis approval routing module, which analyzes the rejection reason and determines whether to establish a PG link when the approval information of the VAN link is rejected; A communication processing unit (140) having a communication module for storing the VAN link approval module, the PG link approval module and transaction information of transaction completion in the DB server (200) via a communication network; The storage unit (150) has a credit card immediate approval transaction storage module in which transaction information is encrypted and temporarily stored before the transaction is completed and approved.

3. A credit card intelligent payment processing method, as a credit card intelligent payment method of the credit card intelligent payment system according to claim 1 or 2, characterized in that: include: Step S1, confirm the transaction information including card information, product amount and payment information from the purchaser's IC credit card, and select VAN link or PG link according to the settings. At this time, the VAN link means that each VAN company directly connects each franchise store with the credit card company through each smart terminal; the PG link means that the PG company signs a contract with the credit card company and the franchise store, handles credit card payment, and then collects commissions from the subordinate franchise stores; Step S2, generating VAN approval information according to the VAN link in step S1, and requesting approval through the VAN network; Step S3, confirming whether the request is approved normally or rejected according to the result of the approval request in step S2; Step S4, in said step S3, if approved normally, storing the transaction information and outputting a receipt to complete the transaction; Step S5, when approval is denied in step S3, analyzing an error code; Step S6, when the error related to the franchise store is confirmed according to said step S5, it is automatically routed to display the change of payment processing through the PG link, convert the VAN approval information into the PG approval information, and request approval using the PG network; Step S7, confirming whether the request is approved normally or rejected according to the approval request result in step S6; Step S8, if the transaction is approved normally in step S7, storing the transaction information and outputting a receipt to complete the transaction; Step S8, if approval is refused in step S7, determining whether there is an error related to the purchaser and terminating the transaction, Prior to step S1, a step of selecting a composite payment to be processed by changing the VAN link and the PG link on the affiliated store merchandise sales screen displayed on the display of the smart terminal is performed.

4. The credit card intelligent payment processing method according to claim 3, characterized in that: The step S4 and the step S8 include the SS1 process of confirming the buyer's final purchase intention just before completing the transaction.

5. The credit card intelligent payment processing method according to claim 4, characterized in that: The SS1 process generates VAN approval information or PG approval information according to the cancellation request, uses the VAN network or PG network to request cancellation approval, and according to the result of the cancellation approval request, after normal approval, the canceled transaction information is stored in the server (200), and the temporarily stored transaction information is deleted.

6. The credit card intelligent payment processing method according to claim 4, characterized in that: The steps S4 and S8 include a transaction cancellation step S9 according to a purchase cancellation request from the buyer after the transaction is completed.

7. The credit card intelligent payment processing method according to claim 6, characterized in that: The transaction cancellation step S9 includes: S91 process, confirming the cancellation information including card information, product amount and payment information from the purchaser's IC credit card; In step S92, the cancellation information in step S91 is compared with the transaction information stored in the server (200), and it is confirmed whether the payment is processed through the VAN link or the PG link. According to the payment processing confirmed in the S92 process, VAN approval information or PG approval information is generated according to the cancellation request, the cancellation approval is requested using the VAN network or PG network, the canceled transaction information is stored in the server (200) according to the result of the cancellation approval request, and the temporarily stored transaction information is deleted.

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