Liquor payment intermediary system

Abstract

Disclosed is a liquor payment intermediary system for simplifying a liquor distribution step between a plurality of affiliated store terminals and a plurality of wholesale store terminals. The disclosed liquor payment intermediary system uses a first code issued according to order information for a liquor product and a second code detected from affiliated store information so as to generate an encryption key corresponding to a public key pre-registered in a payment company vendor, and transfers, to a virtual account, a payment amount received by encrypting payment information through the encryption key and transmitting the encrypted payment information to the payment company vendor.

Description

Mainstream payment relay system

[0001] The present invention relates to a mainstream payment intermediary system, and more specifically, to a mainstream payment intermediary system capable of encrypting payment information using an encryption key generated based on order information and merchant information, and issuing withdrawal points when a payment amount is transferred to a virtual account.

[0002] Credit cards, which were first introduced to reduce the inconvenience of using cash and introduce personal credit into transactions, allow users to purchase goods and other items without carrying cash, and their use is encouraged due to the transparency of the usage process.

[0003] Typically, when a credit card holder makes a payment using a credit card, the credit card merchant uses a credit card inquiry machine to transmit the credit card information to the VAN system, receives payment approval details for the credit card from the VAN system, and then carries out the credit card payment.

[0004] In other words, credit card readers only perform the uniform and fragmented payment functions associated with credit card transactions and do not provide any other additional services.

[0005] In addition, the conventional method of ordering alcohol is for a customer to call a liquor wholesaler or fax the order details to order alcohol.

[0006] This conventional method of ordering alcohol requires separate computerization work to store alcohol order details in the alcohol wholesaler system, and there is a risk of information being changed or omitted during the separate computerization work.

[0007] The present invention provides a mainstream payment intermediary system that can generate an encryption key using order information and merchant information, encrypt payment information using the encryption key, and issue withdrawal points when the payment amount is transferred to a virtual account.

[0008] In order to achieve the object of the present invention, the present invention simplifies the liquor distribution stage between a plurality of affiliated store terminals and a plurality of wholesale store terminals, and includes a payment management unit that receives order information and payment information for liquor products from one of the plurality of affiliated store terminals through a liquor payment service, a wholesale store selection unit that selects one wholesale store terminal from the inventory of each registered wholesale store based on the quantity of each item extracted from the order information, an encryption unit that generates an encryption key corresponding to a public key pre-registered in a payment company vendor using a first code issued according to the order information and a second code detected from the corresponding affiliated store information, and an integrated management unit that encrypts the payment information using the encryption key and transmits it to the payment company vendor, thereby transferring the payment amount received to a virtual account, and the integrated management unit can provide an alcohol payment relay system that pays withdrawal points corresponding to the payment amount to one of the wholesale store terminals through the liquor payment service based on a purchase confirmation signal transmitted from one of the affiliated store terminals.

[0009] The above integrated management unit may, when re-ordering the order information from any one of the above affiliated store terminals within a certain period of time, propose a regular payment order form generated according to the re-order period of the order information.

[0010] The above integrated management unit can list the preferences for side dishes searched for based on the keywords for alcohol products confirmed from the above order information and provide the list to one of the above affiliated store terminals.

[0011] The above integrated management unit includes a first relay unit that relays the order information to one of the wholesaler terminals as the payment amount is transferred to a virtual account, a second relay unit that relays delivery information corresponding to the order information transmitted from one of the wholesaler terminals to one of the merchant terminals, and an inventory management unit that automatically issues an order receipt and provides it to one of the merchant terminals in response to a purchase confirmation signal input from one of the merchant terminals through the mainstream payment service, and the inventory management unit can generate an inventory purchase order based on a difference between the average inventory of each registered wholesaler and the inventory of the corresponding wholesaler and provide the inventory purchase order to one of the wholesaler terminals.

[0012] The above inventory management unit includes a currency exchange request unit that requests verification of a personal authentication service from one of the wholesale store terminals in response to a currency exchange request signal received from one of the wholesale store terminals, an authorization unit that individually grants currency exchange authority for a certain period of time for withdrawal points accumulated on the wholesale store page based on authentication information verified through the personal authentication service, and a transfer management unit that activates a withdrawal service in the form of a pop-up notification through the mainstream payment service to transfer cash corresponding to the withdrawal points to a pre-registered designated account based on the currency exchange authority.

[0013] The payment management unit includes a first verification unit that compares and verifies whether there is a correspondence between the payment information and the deposit details for the virtual account, a second verification unit that compares and verifies whether there is a correspondence between the exchange details transferred through the withdrawal service and the withdrawal details for the virtual account, and a list management unit that matches point histories for each payment information based on each verification result to create a payment information-point matching list, wherein the payment information-point matching list may be a table in which payment information is listed in which the issuance and exchange histories for each point are sorted in chronological order.

[0014] The above integrated management unit further includes an image receiving unit that receives a product storage image from a merchant terminal through the liquor payment service, an object detection unit that detects a contaminant object, a liquor product object, an insect and pest control facility object, and a lighting object using an object recognition algorithm for the product storage image, and an image diagnosis unit that diagnoses a hygiene grade for the product storage image based on each storage score determined according to the distance between the contaminant object and the liquor product object, whether or not there is an insect and pest control facility, the cleanliness state, and the lighting brightness.

[0015] The above image diagnosis unit may recommend one image as a suitable storage location for liquor based on an output value derived by applying a plurality of storage location candidate images uploaded from one of the above affiliated store terminals to an artificial intelligence-based storage location diagnosis model, wherein the storage location candidate image is a location image taken to request a location for storing liquor products of the affiliated store, and the artificial intelligence-based storage location diagnosis model may be an artificial neural network algorithm derived by learning through machine learning that takes previously collected storage location images as input and outputs an environmental condition grade for each image.

[0016] The present invention simplifies the distribution process between franchisees and wholesalers, while providing a more stable and convenient payment service for alcohol.

[0017] FIG. 1 is a block diagram showing a mainstream payment relay system according to one embodiment of the present invention.

[0018] Figure 2 is a block diagram showing one embodiment of the integrated management unit of Figure 1.

[0019] Figure 3 is a block diagram specifically showing the inventory management unit of Figure 2.

[0020] Figure 4 is a block diagram showing an embodiment of the payment management unit of Figure 1.

[0021] Figure 5 is a block diagram showing another embodiment of the integrated management unit of Figure 1.

[0022] Hereinafter, the present invention will be described in detail with reference to examples and drawings. These examples are provided solely as examples to more specifically illustrate the present invention, and it will be apparent to those skilled in the art that the scope of the present invention is not limited by these examples.

[0023] Additionally, unless otherwise defined, all technical and scientific terms used herein have the same meaning as commonly understood by one of ordinary skill in the art to which this invention belongs, and in case of conflict, the description in this specification, including definitions, shall prevail.

[0024] To clearly explain the invention proposed in the drawings, irrelevant parts have been omitted, and similar parts have been designated with similar drawing reference numerals throughout the specification. Furthermore, when a part is said to "include" a component, this does not mean that other components are excluded, but rather that other components may be included, unless otherwise specifically stated. Furthermore, the term "part" described in the specification refers to a single unit or block that performs a specific function.

[0025] The identifiers (1, 2, etc.) for each step are used for convenience of explanation and do not describe the order of each step. Each step may be performed in a different order than stated unless the context clearly indicates a specific order. In other words, each step may be performed in the same order as stated, may be performed substantially simultaneously, or may be performed in the opposite order.

[0026] FIG. 1 is a block diagram showing a mainstream payment relay system (1000) according to one embodiment of the present invention.

[0027] Referring to FIG. 1, the mainstream payment relay system (1000) can be connected to multiple merchant terminals (10_1 to 10_N) and multiple wholesale terminals (20_1 to 20_N) through a network.

[0028] This liquor payment intermediary system (1000) can provide liquor payment services through a web server (not shown) to simplify the liquor distribution stage between multiple affiliated store terminals (10_1 to 10_N) and multiple wholesale store terminals (20_1 to 20_N).

[0029] Here, the mainstream payment service may be implemented as an app or program installed on each of a plurality of merchant terminals (10_1 to 10_N) and a plurality of wholesale terminals (20_1 to 20_N), and may be implemented as a graphical user interface that inputs and selects input data through at least one of text, voice recording, image capture, image-based touch input, and image upload.

[0030] Specifically, the mainstream payment intermediary system (1000) may include a payment management unit (100), a wholesale store selection unit (200), an encryption unit (300), and an integrated management unit (400).

[0031] First, the payment management unit (100) can receive order information and payment information for liquor products through the liquor payment service from any one of the multiple affiliated store terminals (10_1 to 10_N) (e.g., 10_1).

[0032] Here, order information may include the order time, ordered items, name of the alcohol, purpose, capacity, number of units, number of boxes, and number of units.

[0033] At this time, payment information may include payment costs, borrowings, and replenishment costs for order information.

[0034] Next, the wholesale store selection department (200) can select one wholesale store terminal (e.g., 20_1) from the inventory of each registered wholesale store based on the quantity of each item extracted from the order information.

[0035] For example, the wholesale store selection department (200) can receive and collect inventory for each wholesale store in advance from multiple wholesale store terminals (20_1 to 20_N), classify it by wholesale store, and register it in the storage DB (500).

[0036] Next, the encryption unit (300) can generate an encryption key corresponding to a public key pre-registered with the payment vendor (2000) using the first code issued according to the order information and the second code detected from the merchant information.

[0037] Here, the first code may include an identification code based on the order date and transaction sequence, and the second code may include a unique identification ID and business registration number confirmed from the merchant information.

[0038] For example, if the first code is 20230729A0004, the order date is July 29, 2023, and the order sequence may mean the 4th transaction sequence on that day.

[0039] Next, the integrated management department (400) can transfer the payment amount received to a virtual account by encrypting the payment information using an encryption key and transmitting it to the payment vendor (2000).

[0040] Here, a virtual account may refer to an account managed by an operator operating a mainstream payment service.

[0041] At this time, the integrated management unit (400) can pay withdrawal points corresponding to the payment amount to one wholesale terminal (e.g., 20_1) based on a purchase confirmation signal received through the mainstream payment service from one affiliated store terminal (e.g., 10_1).

[0042] Here, withdrawal points can mean points that can be exchanged for cash.

[0043] Accordingly, the liquor payment intermediary system (1000) can simplify the liquor distribution stage between franchisees and wholesalers, while providing liquor payment services in a more stable and convenient manner.

[0044] That is, the integrated management unit (400) can create a wholesale store page based on wholesale store information input through a mainstream payment service from a single wholesale store terminal (e.g., 20_1), and can accumulate withdrawal points on the wholesale store page and register them so that they can be confirmed in real time.

[0045] According to one embodiment, when the integrated management unit (400) receives reorder information from one of the affiliated store terminals (e.g., 10_1) within a certain period of time, it may propose a regular payment order form generated according to the reorder period of the order information.

[0046] Here, the recurring payment order form may mean a subscription contract for automatically performing orders at preset periods using payment information pre-registered through a mainstream payment service from a certain merchant terminal (e.g., 10_1).

[0047] According to another embodiment, the integrated management unit (400) can list the preferences for side dishes searched for based on the keywords of the main products identified from the order information and provide the list to one of the affiliated store terminals (e.g., 10_1).

[0048] According to another embodiment, the integrated management unit (400) can selectively provide a video chat service between one affiliated store terminal (e.g., 10_1) and one wholesale store terminal (e.g., 20_1) based on the personality test results confirmed by providing an MBTI test program to each terminal (10_1 to 10_N, 20_1 to 20_N).

[0049] According to another embodiment, the integrated management unit (400) may set a transmission schedule for a delivery text message that transmits a delivery image of a liquor product based on business hours information received through a liquor payment service from one of the affiliated store terminals (e.g., 10_1).

[0050] According to another embodiment, when the integrated management unit (400) receives merchant information through a mainstream payment service from one of the merchant terminals (e.g., 10_1), it can verify the validity of the merchant information based on web page information verified through a map according to GPS location information received from one of the merchant terminals (e.g., 10_1).

[0051] According to another embodiment, the integrated management unit (400) may generate a popularity list of liquor products of a preset rank or higher based on a list of liquor products shipped from a plurality of wholesale terminals (20_1 to 20_N) through a liquor payment service, and provide the list to a plurality of affiliated terminals (10_1 to 10_N) through the liquor payment service.

[0052] Hereinafter, the composition and resulting effects of the present invention will be described in more detail through specific examples and comparative examples. However, these examples are intended to more specifically illustrate the present invention, and the scope of the present invention is not limited to these examples.

[0053] Figure 2 is a block diagram showing one embodiment of the integrated management unit (400) of Figure 1.

[0054] Referring to FIGS. 1 and 2, the integrated management unit (400) may include first and second relay units (410, 420) and an inventory management unit (430).

[0055] First, the first relay unit (410) can relay order information to a wholesale terminal (e.g., 20_1) through a mainstream payment service by transferring the payment amount to a virtual account.

[0056] Next, the second relay unit (420) can relay delivery information corresponding to order information transmitted from any one wholesale terminal (e.g., 20_1) to any one affiliate terminal (e.g., 10_1) through a mainstream payment service.

[0057] Next, the inventory management department (430) can automatically issue an order receipt and provide it to one of the affiliated store terminals (e.g., 10_1) in response to a purchase confirmation signal received through the mainstream payment service from one of the affiliated store terminals (e.g., 10_1).

[0058] The inventory management unit (430) according to the embodiment can generate an inventory purchase order based on the difference between the average inventory per wholesaler registered in the storage DB (500) and the inventory of the corresponding wholesaler and provide the order to a single wholesaler terminal (e.g., 20_1).

[0059] Figure 3 is a block diagram specifically showing the inventory management unit (430) of Figure 2.

[0060] Referring to FIGS. 2 and 3, the inventory management unit (430) may include a currency exchange request unit (431), an authorization unit (432), and a transfer management unit (433).

[0061] First, the currency exchange request unit (431) can request verification of the identity verification service from one of the wholesale terminals (e.g., 20_1) among multiple wholesale terminals (20_1 to 20_N) in response to a currency exchange request signal received through the mainstream payment service.

[0062] Next, the authorization unit (432) can individually grant the authority to exchange accumulated withdrawal points on the wholesale store page for a certain period of time based on the authentication information verified through the identity authentication service from a wholesale store terminal (e.g., 20_1).

[0063] Here, authentication information may include business registration number, contact information, and personal information.

[0064] Next, the transfer management department (433) can activate a withdrawal service for transferring cash corresponding to the withdrawal point to a pre-registered designated account based on the exchange authority in the form of a pop-up notification through the mainstream payment service during the authorization period.

[0065] According to an embodiment, the transfer management department (433) may provide a point loan service that provides withdrawal points corresponding to the loan amount determined according to a regular payment order form to any one wholesale terminal (e.g., 20_1) through a mainstream payment service.

[0066] Figure 4 is a block diagram showing an embodiment of the payment management unit (100) of Figure 1.

[0067] Referring to FIG. 1 and FIG. 4, the payment management unit (100) may include first and second verification units (110, 120) and a list management unit (130).

[0068] First, the first verification unit (110) can compare and verify whether there is a correspondence between the payment information and the deposit details for the virtual account (50).

[0069] Next, the second verification unit (120) can compare and verify whether there is a correspondence between the exchange details transferred through the withdrawal service from each wholesale store page (21_1 to 21_N) and the withdrawal details for the virtual account (50).

[0070] Next, the list management unit (130) can create a payment information-point matching list by matching the point history for each payment information based on each verification result verified through the first and second verification units (110, 120) and store it in the storage DB (500).

[0071] Here, the payment information-point matching list may be a table listing payment information in chronological order, with the issuance and redemption history for each point.

[0072] According to one embodiment, the list management unit (130) may individually transmit alarm messages to multiple wholesale store terminals (20_1 to 20_N) to increase or decrease the inventory quantity of each registered wholesale store based on a preset average order quantity change confirmed from the payment information-point matching list.

[0073] According to another embodiment, the list management unit (130) may transmit the non-concentrated exchange time as an alarm message to a plurality of wholesale terminals (20_1 to 20_N) based on the concentrated exchange time confirmed from the payment information-point matching list.

[0074] Fig. 5 is a block diagram showing another embodiment of the integrated management unit (400_1) of Fig. 1.

[0075] Referring to FIG. 5, the integrated management unit (400_1) may include first and second relay units (410, 420), an inventory management unit (430), an image receiving unit (440), a hazardous material detection unit (450), and an image diagnosis unit (460).

[0076] Hereinafter, duplicate descriptions of the first and second relay units (410, 420) and the inventory management unit (430) of the same absence number described in FIG. 2 will be omitted.

[0077] First, the image receiving unit (440) can upload a product storage image through a mainstream payment service from any one affiliated store terminal (e.g., 10_1).

[0078] For example, a product storage image may refer to an image of the environment where mainstream products are stored in the store.

[0079] Next, the object detection unit (450) can detect contaminant objects, mainstream product objects, pest control and pest control facility objects, and lighting objects by using an object recognition algorithm for product storage images.

[0080] Next, the image diagnosis unit (460) can diagnose the hygiene grade of the stored product image based on each storage score determined according to the distance between the contaminated object and the mainstream product object, the presence of insect and insect repellent facilities, the cleanliness condition, and the brightness of the lighting.

[0081] According to one embodiment, if the hygiene grade is below a certain grade, the image diagnosis unit (460) can diagnose the product storage image as being in an unsuitable storage state and provide a storage distribution guide while servicing it to one of the affiliated store terminals (e.g., 10_1).

[0082] According to another embodiment, when the hygiene grade is above a certain grade, the image diagnosis unit (460) can diagnose the product storage image as being in an appropriate storage state and display the excellent franchise identification code on the corresponding franchise page.

[0083] According to another embodiment, the image diagnosis unit (460) may recommend one image as a suitable liquor storage location based on an output value derived by applying a plurality of storage location candidate images uploaded through a liquor payment service from a single merchant terminal (e.g., 10_1) to an artificial intelligence-based storage location diagnosis model.

[0084] Here, the storage location candidate image may be a location image captured through one of the affiliated store terminals (e.g., 10_1) to request a location for storing the liquor products of the affiliated store.

[0085] At this time, the artificial intelligence-based storage location diagnosis model may be an artificial neural network algorithm derived by learning through machine learning that inputs images of storage locations collected in the storage DB (500) and outputs environmental condition grades for each image.

[0086] For example, an AI-based storage diagnostic model can be any one of the following algorithms: an artificial neural network, a support vector machine (SVM), a decision tree, and a random forest.

[0087] Although this specification describes only a few examples among various embodiments implemented by the inventors of the present invention, the technical idea of ​​the present invention is not limited or restricted thereto, and can be modified and implemented in various ways by those skilled in the art.

[0088] The embodiments described in the specification of the present invention relate to a mainstream payment intermediary system capable of encrypting payment information and issuing withdrawal points upon transferring the payment amount to a virtual account, and thus has high industrial applicability.

Claims

1. A liquor payment intermediary system for simplifying the liquor distribution process between multiple affiliated store terminals and multiple wholesale store terminals. A payment management unit that receives order information and payment information for liquor products through a liquor payment service from any one of the above plurality of affiliated store terminals; A wholesaler selection unit that selects one wholesaler terminal from the inventory of each registered wholesaler based on the quantity of each item extracted from the above order information; An encryption unit that generates an encryption key corresponding to a public key pre-registered with a payment company vendor using a first code issued according to the above order information and a second code detected from the corresponding merchant information; and Including an integrated management unit that transfers the payment amount received to a virtual account by encrypting the payment information using the encryption key and transmitting it to the payment company vendor, A liquor payment intermediary system in which the above integrated management unit, based on a purchase confirmation signal transmitted from any one of the above affiliated store terminals, pays withdrawal points corresponding to the payment amount to any one of the above wholesale store terminals through the above liquor payment service.

2. In paragraph 1, The above integrated management unit is a liquor payment intermediary system that proposes a regular payment order form generated according to the reorder period of the order information when the above order information is reordered from any one of the above affiliated store terminals within a certain period of time.

3. In paragraph 2, The above integrated management unit is a liquor payment relay system that lists the preferences for side dishes searched for based on the liquor product keywords confirmed from the above order information and provides the list to one of the above affiliated store terminals.

4. In paragraph 1, The above integrated management unit includes a first relay unit that relays the order information to one of the wholesale terminals as the payment amount is transferred to a virtual account; A second relay unit that relays delivery information corresponding to the order information transmitted from any one of the wholesale terminals to any one of the affiliated store terminals; and In response to a purchase confirmation signal received through the above mainstream payment service from any one of the above affiliated store terminals, an inventory management unit is included that automatically issues an order receipt and provides it to any one of the above affiliated store terminals. The above inventory management department is a liquor payment intermediary system that generates an inventory purchase order based on the difference between the average inventory of each registered wholesaler and the inventory of the corresponding wholesaler and services it to a wholesaler terminal.

5. In paragraph 4, The above inventory management unit includes a currency exchange request unit that requests verification of the identity authentication service from any one of the wholesale store terminals in response to a currency exchange request signal received from any one of the wholesale store terminals; Based on the authentication information verified through the above-mentioned identity verification service, an authorization department individually grants the right to exchange accumulated withdrawal points on the relevant wholesale store page for a certain period of time; and A liquor payment intermediary system including a transfer management unit that activates a withdrawal service in the form of a pop-up notification through the liquor payment service to transfer cash corresponding to the withdrawal point to a pre-registered designated account based on the above currency exchange authority.

6. In paragraph 5, The above payment management unit includes a first verification unit that compares and verifies whether there is a correspondence between the payment information and the deposit details for the virtual account; A second verification unit that compares and verifies whether there is a correspondence between the exchange details transferred through the above withdrawal service and the withdrawal details for the above virtual account; and Based on each verification result, it includes a list management unit that matches point history by payment information and creates a payment information-point matching list. The above payment information-point matching list is a mainstream payment intermediary system, which is a table listing payment information with the issuance and redemption history for each point sorted in chronological order.

7. In paragraph 3, An image receiving unit that uploads a product storage image through the mainstream payment service from any of the above affiliated store terminals; An object detection unit that detects contaminant objects, mainstream product objects, pest control and pest control facility objects, and lighting objects using an object recognition algorithm for the above product storage image; and A liquor payment relay system, comprising an image diagnosis unit that diagnoses the hygiene grade of the product storage image based on each storage score determined according to the distance between the contaminated object and the liquor product object, the presence of insect and pest control facilities, the cleanliness condition, and the brightness of the lighting.

8. In paragraph 7, The above image diagnosis unit applies multiple storage location candidate images uploaded from any one of the above affiliated store terminals to an artificial intelligence-based storage location diagnosis model, and based on the output value derived, recommends one image as a suitable storage location for alcohol. The above storage location candidate image is a location image taken to request the location of the store's liquor product storage. The above artificial intelligence-based storage location diagnosis model is an artificial neural network algorithm derived through machine learning that inputs previously collected storage location images and outputs environmental condition grades for each image, which is a mainstream payment relay system.

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