THE METHOD AND SYSTEM OF SENDING TELEGRAPHIC MESSAGE FOR REAL TIME PAYMENT AND MANAGING THE ACCOUNT FOR THE PAYMENT TO THE MERCHANT ON THE BASIS OF CREDIT CARD SALES

摘要

The present invention is related to a credit card merchant destination immediately pay withdrawals professional creation and account management systems and methods, credit card merchant, VAN companies, credit card companies, credit institutions, payment system operators are connected to the network, electronic merchants a first step of transmitting a credit card transaction authorization request to the VAN company over the network; Requested to approve transactions VAN Saga second step of retransmitting it to the credit card company; Based on the information held at the credit card company after determining the validity of a credit card, a third step of transmitting the captured VAN transaction approval; Receiving a transaction authorization VAN four fourth step of retransmitting it to the merchant; The fifth step of the goddess financial institution receiving the transaction history information from the captured VAN; The sixth step of sending VAN receive transaction information from a merchant loan from a financial institution to attract system operators; Seventh step of the driving reasons for the withdrawal stop, early warning systems based on such operators in the decision whether or not to transmit the withdrawal to the relevant Withdrawal specializes in loans financial institutions; The eighth step of, based on the withdrawal telegram received from loans from financial institutions, payment system operators loans to franchisees; The ninth step from the credit card payment amount to be credited to the merchant account that is opened to the Credit institutions; Article 10 Credit institutions from sending the payment amount of the deposit to the credit card system operators; The loan and credit card account settlement results data between the card payment system operators shall deposit in the first stage 11 to send to the goddess financial institutions and merchants with its features.