KR100373832B1 - Electron payment system for electron commerce and method thereof - Google Patents

Abstract

The present invention relates to an electronic payment method between a seller, a buyer and a bank. In general, in the case of commerce using a credit card, there is a limit of the transaction price and a limit of leaking card information and personal information of a buyer.

In the present invention, the buyer terminal, the seller management server, the bank server and the card company server is connected through the Internet or various networks, the buyer and the seller open an account in the bank, the bank is a separate DB pool of the buyer and seller accounts After the card is issued by a dedicated card company, the buyer connects to the seller management server through the Internet to make a purchase consultation and applies for a purchase, and the seller uses the Internet or ARS system to request the buyer's financial information. It is presented on the way that the purchase of goods is made by receiving confirmation from the user and receiving the exclusive card information.

By applying the present invention, it is possible to securely and efficiently make payment in a specific commerce system with a high transaction price.

Description

ELECTRON PAYMENT SYSTEM FOR ELECTRON COMMERCE AND METHOD THEREOF

The present invention relates to an electronic payment system and method for paying commerce payment in electronic commerce. In particular, when the transaction price is high, the present invention relates to an electronic payment system and a method in which a buyer uses a commerce dedicated card in connection with a bank, a dedicated card company and a seller management server.

In the case of off-line commerce or online commerce such as the Internet, a credit card is generally used as a payment method for purchased goods.

In the case of commerce with a credit card offline, the buyer presents the credit card to the seller to pay for the credit card, and the seller approves the transaction through a credit card company or a card authentication device connected through a network with a bank. The transaction is completed by the buyer signing the card statement, the buyer deposits the goods in his / her card account within a certain period, and the seller receives the goods payment from the bank or the card company.

In addition, in a method in which a purchaser uses a credit card to pay for an item online, such as on the Internet, the purchaser accesses an e-commerce website and decides to purchase the item, and enters his or her card number to complete the transaction. In general, the payment method is paid from the bank or card company.

In addition, in the electronic commerce (B2B) system between companies, the purchase price of the purchased goods is often high, and the credit card is difficult to settle through the card because the transaction limit is limited.

However, the conventional commerce payment means may leak the buyer's information, and in particular, in the case of B2B transactions, there is a problem in that the commerce payment means is inconvenient because a direct transfer through a bank account is required due to the limited amount of the credit card.

The present invention has been invented to solve the problems of the prior art, the present invention is the purchaser pays the purchase price in B2B dedicated buyers in business-to-business (B2B) commerce that can not be settled with a general credit card, the larger the transaction price The present invention provides a commerce payment system and a method for paying using a card.

As a technical idea for achieving the object of the present invention, in the present invention, the buyer terminal, the seller management server, the bank server and the card company server is connected through the Internet or various networks, the buyer and the seller open an account in the bank, The bank stores the accounts of buyers and sellers in separate DB pools, and the buyers apply for purchases through the Internet through the Internet, etc. to the seller management server while the buyers receive the cards issued by the exclusive card company, and the sellers apply for the purchase. It is presented in the method of making a purchase of goods by confirming the buyer's financial information from the bank using the Internet or ARS system and receiving the exclusive card information.

In addition, another aspect for achieving the object of the present invention is that both the buyer and the seller can confirm the overall situation of the transaction, such as transaction approval, payment confirmation, transaction completion in one B2B commerce site, and also the buyer and seller Is a way to promote convenient commerce by processing for commerce in one place.

1 is a schematic system diagram of an electronic payment system of the present invention.

2 is a flowchart of an embodiment of a bank account opening process applied to the electronic payment method of the present invention.

3 is a flowchart of an embodiment of a card issuing process applied to the electronic payment method of the present invention.

4 is a flowchart of an embodiment of a process of verifying a buyer account and a card of a seller applied to an electronic payment method of the present invention.

5 is a flowchart illustrating an electronic payment method of the present invention.

6 is a schematic system diagram for another embodiment of the present invention.

7 is a flowchart illustrating an example of making an electronic payment using the system diagram of FIG. 6.

<Description of Major Symbols in Drawing>

10: seller management server 11: mail server

12: web server 13: article DB pool

14: member DB pool 15, 16: buyer terminal

17: bank server 18: mail server

19: ARS system 20: Merchant account DB pool

21: Buyer account DB pool 22: Card company server

23: mail server 24: card member DB pool

25: DB pool information card 26: DB pool transaction authentication

100: B2B Commerce Site

110: dedicated card company server 120: bank server

130: seller terminal 140: buyer terminal

150: card certification authority server

Hereinafter, the configuration and operation of the embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a system diagram schematically showing an electronic payment system of the present invention.

As shown in FIG. 1, a seller server unit including a mail server 11, a web server 12, an article DB pool 13, a member DB pool 14, and a seller management server 10, and communication means The purchaser terminal 15, 16 for purchase and payment of goods with a computer, and the like, and when the buyer applies for a B2B-only card using the purchaser terminal 15, 16, the cardholder DB pool ( 24), the card information DB pool 25 containing the personal information of the member, the transaction authentication DB pool 26, the card company management server 22 and the mail server 23, the bank server 17 of the bank side , A mail server 18, an ARS system 19, a buyer member information DB pool 21, a seller DB pool 20 containing seller information, and an internet network or various networks for connection.

The operation of the B2B commerce payment system of the present invention will be described.

First, the buyer connects to the bank server 17 to make a purchase by connecting to the web server 11 of the seller management server 10 by using the purchaser terminals 15 and 16, and establishes a general account and only for commerce. Open an account. In addition, in order to issue a B2B commerce dedicated card, the card company server 22 is connected to apply for a dedicated card and issued. In this state, when the buyer accesses the seller website and applies for membership, the seller management server 10 accesses the bank server 17 and the card company server 22 to check the reliability of the member applicant and approves the membership. Do it.

The purchaser who has been approved by the member can search on the website and apply for a purchase, inform the seller of account and card information on the website or wired / wireless communication, and the seller confirms the buyer's credibility with the bank and the card company. Inform the deal. On the other hand, when the bank becomes a transaction, the payment of the goods is transferred from the general account of the buyer to the dedicated account, and then the commerce payment is completed by transferring to the seller account.

The B2B card may be in the form of a general credit card used offline, or may be an electronic card that can be directly used online.

2 and 3 are flowcharts of an example of a process of opening an account and issuing a card by accessing the bank server and a card company server for commerce using the system of FIG. 1.

As shown in Figure 2, the buyer or seller is connected to the bank server 17 to open an account with the bank for B2B commerce (S10),

The buyer applies to the bank B2B payment-only account opening process (S20),

The seller applies to the bank to open an account dedicated to receiving B2B (S30),

The process of checking the credit rating of the buyer at the bank side (S40),

If the buyer's credit rating is confirmed in the process S40 (S50) for approving the account opening application,

Buyer or seller fills out an application form for account opening (S60) and

In the process of transmitting the account number to the buyer and seller side at the bank side (S70), the opening of the B2B-only bank account of the buyer and seller is completed.

In principle, the above process is performed through the Internet or a network, but may be performed offline if necessary.

3, which is a process in which a buyer issues a B2B-only card, will be described.

The purchaser accesses the website of the card company server 22 to obtain a B2B-only card (S100),

Applying for a B2B-only card in the card company website (S110),

Inputting B2B-specific account information to receive a card issuance (S120);

The card company server 22 and the bank server 17 is connected (S130) to check the authenticity of the account information of the card applicant (S140),

If the card applicant's account is not confirmed in the process S140, the process is terminated, and if it is confirmed, approving the card issuing application (S150);

The card company is a process for issuing a B2B-only card to the applicant (S160).

The card issued by the card company may be an electronic card that can be used on the web, or may be in the form of a general credit card that can be used offline.

4 is a flowchart of a process in which a buyer who wants to conduct B2B commerce accesses a seller management server and registers as a member.

As shown in FIG. 4, the purchaser connects to the web server 11 of the seller management server 10 through a network such as the Internet through the purchaser terminals 15 and 16 (S200).

Process of applying for membership in the website of the seller management server (S210),

When the process S210 is terminated, the process of guiding the B2B-only account opening of the member applying for membership on the seller website (S220),

Confirmation process of the buyer's B2B-only bank account (S230),

If it is not possible to confirm the exclusive account of the buyer in the process S230, the process returns to the process of S220, and if the dedicated account is confirmed, displaying the exclusive card application guide (S240),

Checking whether the dedicated card (S250),

If the buyer's dedicated card is not confirmed, the process returns to step S240, and if the card is confirmed, a process of approving membership is made (S260).

The method of checking a dedicated bank account or a dedicated card in the process S230 or S250 is automatically connected to the bank server 17 or the card company server 22 in the seller management server 10 to check a buyer's dedicated account or a dedicated card. It may be a method, or may be confirmed by the wire or wireless communication means to the bank or card company on the seller side.

5 is a flowchart illustrating a method for B2B commerce between a buyer and a seller of the present invention.

As shown in FIG. 5, the purchaser accesses the seller website through a network such as the Internet through the purchaser terminals 15 and 16 (S300);

Checking whether the accessor is a member on the seller website (S310),

If you are not a member to guide the membership to join the process (S320) and

A process of searching for goods to be purchased by the buyer on the seller website after being confirmed as a member in the process S310 or as a member in the process S320 (S330);

The process of the buyer to search the goods to buy and consult with the seller to purchase goods (S340),

If sufficient consultation is made in the process S340 and the conditions for the purchased goods are met, the process of making a purchase application on the website (S350),

After inputting the purchase process to enter the B2B dedicated card number to pay for the goods (S360),

Checking the balance of the bank account on the basis of the B2B-only card information of the buyer in the seller management server (S370);

When there is no amount corresponding to the price of the goods in the buyer's account in the process S370, the process of purchasing a procedure is terminated after notification of the impossibility of trading, and when the price of the goods is confirmed, confirming the transaction completion to the buyer or the bank (S380). and,

Transferring the goods price from the general bank account of the purchaser to the dedicated account at the bank notified of the confirmation of closing the transaction (S390);

After the bank transfer the bank side to verify this in the seller management server 10 (S400) and

Seller delivers the goods to the buyer and the buyer confirms this (S410),

Buyer confirms the delivery of goods on the internnet-only site (S420),

In step S420, the seller management server 10 confirms the delivery of goods and recognizes the facts of the card company to notify the bank, and the bank transfers the goods price from the buyer-only account to the seller-only account (S430). Is completed.

The purchase item search process (S330) is a process in which a purchaser searches through the purchaser terminals 15 and 16 information such as an image of a product, a selling price, and the like, which are provided on a seller's website.

In the purchase counseling process (S340) using a chat program, such as a text, voice, etc. provided on the seller's website to consult in detail with the seller's counselor or purchase conditions, or call the waiting agent using wired or wireless communication means It is a process of consultation.

The purchase application process (S350) is made by the buyer to fill in the relevant information on the purchase application form provided on the seller website.

The buyer bank balance confirmation process (S370) is automatically connected between the merchant management server 10 and the bank server 17, which is always connected, and after the seller confirms the authentication, enter the buyer-only card information to check the balance of the dedicated account. This is the process of checking. In this case, the seller may check the wired / wireless communication means and make a direct call with the bank.

The transaction closing confirmation process (S380) is a process of notifying the buyer and the bank side of a predetermined form of a sacrament message through a website or an e-mail after confirming the buyer's bank balance.

Another embodiment of the present invention will be described. Another embodiment of the present invention, unlike the above-described embodiment, the B2B commerce site, the card company, the bank is configured to be horizontally connected so that the card company and the B2B commerce site leading the relay and adjustment of all transactions.

6 is a schematic system diagram of another embodiment of the present invention.

As shown in FIG. 6, the seller terminal 130 and the purchaser terminal 140 issue a B2B commerce site 100 for B2B commerce by accessing a network such as an internet network, and a B2B dedicated card to the buyer. Dedicated card company server 110 that manages the means of commerce payment, and the bank server 120 to complete the payment payment by receiving the transaction authentication from the account management and dedicated card company of the buyer, seller (certificate authority server ( 150).

In the configuration diagram, the seller registers the transactional goods by accessing the B2B commerce site 100 through the seller terminal 130. The B2B commerce site 100 lists the goods registered by the seller on the shopping page. The buyer and the seller register as members of the B2B commerce site 100. In addition, buyers and sellers open accounts in banks. If you have an existing bank account, you can use it.

The purchaser accesses the dedicated card company server 110 and receives a B2B dedicated card at the same time as registering. The dedicated card company server 110 is connected to the certification authority server 150 to transmit and register card issuance member information.

A buyer connects to the B2B commerce site 100 through a network such as an internet network in order to purchase an item. After searching for an item in the commerce site 100 and applying for a transaction, the B2B commerce site accesses the dedicated card company server 110 for transaction approval and checks the credit information on the buyer account balance, the exclusive card information, and the like. Approve. The buyer pays the bill using the dedicated card, and the credit information of the buyer is to increase the credit of the trader and the commerce agent by providing the credit information authenticated by the card authority to the B2B commerce site.

This method is different from the above embodiment, both the buyer and the seller performs most of the business for commerce in the B2B commerce site, the B2B commerce site 100, the dedicated card company server 110 and the bank server 120 By doing business, you can conduct more efficient commerce.

7 is a flow chart of a method of trading and paying for an article utilizing the system of FIG.

As shown in FIG. 7, the purchaser accesses the B2B commerce site 100 to purchase goods (S500),

Checking whether the user accessing the commerce site is a member (S510);

If the member is not a member to perform a membership registration step to join as a member (S520),

In step S520, if the user is registered as a member or confirmed as a member in step S510, the member searching for purchases on the website (S530);

After the member has searched for the purchased goods, consulting with a counselor on a B2B commerce site or using wired or wireless communication means to conduct a transaction consultation (S540);

After the consultation is completed, if the purchase conditions for the purchased goods are met, the member submits a purchase by filling out the corresponding information on the purchase application page on the website (S550),

After the purchase application, the member accesses the bank server 120 or deposits an item price in his or her account using an online bank account (S560);

After the buyer enters the card information in the B2B commerce site 100 to pay for the goods, checks the buyer's credit information to the card company in the commerce site, and sends the transaction credit information to the card company, the card company checks the bank deposit. Notifying the B2B commerce site 100 of the credit information and the payment situation (S570),

Receiving information on the buyer credit information and payment status from the card company in the B2B commerce site (S580),

After the above-mentioned confirmation process in the B2B commerce site, notifying the transaction approval information to the buyer and the seller (S590),

Receiving the transaction approval information from a seller, delivering the corresponding goods and receiving the goods acquisition information from a buyer (S600);

Transmitting transaction completion information to the card company (S610);

The card company obtains an authentication number from the certification authority (S620),

The card company connects to the bank server 120 to request the transfer of the transaction sale price (S630),

In step S640, the bank transfers the transaction price from the buyer account to the seller account.

As can be seen from the embodiment of the above process, both buyers and sellers can check the overall situation of commerce, such as transaction approval, deposit confirmation, transaction completion on a B2B commerce site in one place. In addition, it is possible to facilitate convenient commerce by allowing buyers and sellers to process commerce in one place.

In this case, the bank may make arrangements with as many banks as possible to facilitate the convenience of its members.

As described above, in the present invention, the buyer terminal, the seller management server, the bank server and the card company server are connected through the Internet or various networks, the buyer and the seller open an account in the bank, the bank accounts of the buyer and the seller Is stored in a separate DB pool, the buyer receives the card issued by the dedicated card company, the seller management server connected to the Internet through the Internet, etc. to purchase the goods and apply for a purchase, the seller uses the Internet or ARS system By obtaining the buyer's financial information from the bank and receiving the exclusive card information, the purchase of the goods is completed, thereby making it possible to securely and efficiently make payments in a specific commerce system having a high transaction price.

Claims (10)

It manages the product DB pool, which stores information such as price of goods, and the member DB pool, which stores personal information about members, and is connected to the web server that operates the website and the mail server that sends mail to the members. Merchant server unit including a seller management server for managing the server, A purchaser terminal for purchasing and payment of goods with a computer equipped with a communication means, A card member DB pool, a card information DB pool including personal information of a member, a B2B dedicated card company server unit including a card company management server, It manages the buyer DB information pool, which stores information such as B2B exclusive card of the buyer, and the seller DB pool that contains the seller account information, and is connected to the bank server of the bank and the mail server that sends mail to the members. Bank server unit that operates ARS system that automatically responds to financial information The seller server unit, the buyer terminal, the card company server unit and the bank server unit is connected to the network, the buyer is connected to the bank server unit and the card server unit B2B dedicated payment account and B2B card set up and issued, the seller server The electronic payment system for commerce, characterized in that the payment of the goods purchase price by the B2B dedicated card connected to the wealth. The electronic payment system according to claim 1, wherein the web server of the seller server unit includes a payment means for payment. The commerce electronic payment according to claim 1, wherein the bank server unit comprises a general account of the buyer and a B2B-only account, and transmits the general account balance of the buyer to the seller using an ARS system during the commerce between the buyer and the seller. system. The commerce electronic payment system according to claim 1, wherein the seller server unit includes means for accessing the card company server unit and the bank server unit to confirm purchaser information. The commerce electronic payment system of claim 1, wherein the payment for the commerce between the seller and the buyer is transferred from the general account of the buyer to the B2B dedicated account of the buyer, and the buyer's B2B dedicated account to the seller's account. . The purchaser accesses the seller's website through a network such as the Internet, The process of verifying that the visitor is a member of the seller's website If you are not a member, the process of signing up as a member, A process of searching for goods to be purchased on a seller website after the purchaser is confirmed as a member in the membership verification process or as a member in the membership registration process; If the buyer searches for the purchased item and the purchase condition for the purchased item is met, the purchase request is made on the website, Entering the B2B-only card information in order to pay for the goods after applying for purchase, Checking the balance of the bank account on the basis of the B2B-only card information of the buyer in the seller management server; If there is no amount corresponding to the price of goods in the buyer's account in the bank balance check process, after the notification of the impossibility of trading, the process of purchasing is terminated. , Transferring the goods price from the buyer's general bank account to the dedicated account by the bank notified of the confirmation of the closing of the transaction; After the bank transfers the funds, the process is checked by the seller management server. The seller delivers the goods to the buyer and the buyer confirms them, The purchaser signs the details of the dedicated card goods charge, The merchant management server confirming the card signature in the card signature process recognizes the fact that the card company notifies the bank side, and the bank side transfers the goods price from the buyer-only account to the seller-only account. payment method. The method of claim 6, wherein the registration process comprises: a purchaser accessing a seller management server through a network such as the Internet by a purchaser terminal; Apply for membership on the website of the seller management server, After the membership application process is completed, a process of guiding the B2B-only account opening of the membership applicant on the seller website; Verifying the buyer's B2B-only bank account, If it is not possible to verify the buyer's dedicated account in the account verification process, return to the bank account opening guide process, and if the dedicated account is confirmed, displaying the dedicated card application guide, Verifying the buyer's B2B-only card information, If the buyer's exclusive card is not confirmed, returning to the card application guide process, and if the card is confirmed, the electronic payment method comprising the step of approving membership. The method according to claim 6, wherein the buyer and seller of the bank account opening process, The buyer or seller accesses the bank server to open an account with the bank for B2B commerce, The buyer requests the bank to open a B2B payment-only account; The seller requests the bank to open an account exclusively for B2B receipt; The bank checks the buyer's creditworthiness, If the buyer's credit rating is confirmed during the credit check process, the process of approving the application for opening an account; The process by which a buyer or seller fills out an application for opening an account, The bank electronic payment method comprising the step of transmitting the account number to the buyer and seller side. A B2B commerce site for the seller terminal and the buyer terminal to access B2B commerce through a network such as an internet network, Issuing a B2B dedicated card to the buyer, a dedicated card company server that manages the means of commerce payment, A bank server that completes payment by receiving transaction verification from the account management of the buyer and seller and the exclusive card company; It includes a certification authority server for authenticating credit card companies, etc., And the buyer and seller process all commerce procedures at the B2B commerce site. In the method of the buyer terminal, seller terminal, B2B commerce site, bank server and dedicated card company server is connected through the Internet or various networks to perform electronic commerce, The buyer accessing the B2B commerce site to purchase the goods, Checking whether the user accessing the commerce site is a member; If you are not a member to perform the membership registration to join as a member, Searching for a purchase item on a website by the member; If the member searches for the purchased item and the purchase condition for the purchased item is met, the member submits a purchase request by filling in the purchase request page on the website, After the purchase application, the member accesses the bank server or uses the bank online account to deposit the goods in his account or check the existing balance; When the buyer enters the card information at the B2B commerce site to pay for the goods, and confirms the buyer's credit information to the card company at the commerce site, and sends the transaction credit information to the card company, the card company checks the bank deposit and then the credit information and Notifying the B2B commerce site of the deposit situation; Receiving buyer credit information and payment status from the card company at the B2B commerce site; After the above verification process on the B2B commerce site, notifying the buyer and seller of transaction approval information; After receiving the transaction approval information from the seller, delivering the goods and receiving the goods acquisition information from the buyer; Transmitting transaction completion information to the card company; The card company obtains an authentication number from a certification authority; The card company connects to a bank server and requests a transfer of a transaction payout; E-commerce payment method comprising the step of transferring the transaction price from the buyer account to the merchant account in the bank.