KR100559180B1 - 조건부 거래에 따른 전자결제 방법 및 전자결제 서버 - Google Patents
조건부 거래에 따른 전자결제 방법 및 전자결제 서버 Download PDFInfo
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- KR100559180B1 KR100559180B1 KR1020030031843A KR20030031843A KR100559180B1 KR 100559180 B1 KR100559180 B1 KR 100559180B1 KR 1020030031843 A KR1020030031843 A KR 1020030031843A KR 20030031843 A KR20030031843 A KR 20030031843A KR 100559180 B1 KR100559180 B1 KR 100559180B1
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
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- Engineering & Computer Science (AREA)
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- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Networks & Wireless Communication (AREA)
- Computer Security & Cryptography (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
Claims (9)
- 삭제
- 삭제
- 전자결제를 수행하려는 사용자 및 가맹점으로부터 회원등록을 받는 회원등록 단계와,특정 거래발생 조건을 입력받은 조건부거래 청약 프로세서로부터 유무형의 상품 및 서비스의 거래 상태(status)를 파악하여 특정 거래조건 발생 시에 전자결제 서버에 소정의 거래대금 결제를 요청을 통보받으며, 결제에 사용될 사용자의 이동통신단말기 전화번호, 거래된 상품 및 서비스명, 거래 가맹점명, 결제금액을 함께 전송받는 조건부거래 결제요청 수령단계와,상기 거래요청된 거래내역항목, 승인 기능을 하는 사인(sign) 항목, 결제에 사용될 이체계좌 선택항목이 포함된 전자전표를 생성하여 사용자의 이동통신단말기로 전송하는 전자전표 전송단계와,승인표시가 된 사인항목, 결제에 사용될 이체계좌가 기입된 이체계좌 항목이 포함된 승인전자전표를 상기 사용자의 이동통신단말기로부터 수령 받는 승인전자전표 수령단계와,상기 승인전자전표내 이체계좌 항목에 있는 계좌에서 가맹점의 예금계좌로 결제금액 이체를 금융기관 서버에 요청하여 결제금액에 대한 이체를 완료하는 대금결제단계와,이체 완료 후, 상기 사용자와 가맹점에게 결제가 완료되었음을 완료된 결제내역과 함께 통보하는 결제완료 통보단계을 포함하며,상기 대금결제단계에서 결제금액에 대한 이체는이체계좌 항목에 있는 계좌에서 가상예치계좌로 결제금액을 이체시키는 제1단계와예약거래가 완료되면, 상기 가상예치계좌에서 가맹점계좌로 결제금을 이체시키는 제2단계와예약거래가 취소되면, 가상예치계좌에서 해약관련 수수료를 공제하여 해당수수료를 가맹점계좌로 이체시키고, 나머지 예치금을 사용자 계좌로 이체시킨 후 사용자와 가맹점에게 통보하는 제3단계로 이루어지는 것을 특징으로 하는 조건부 거래에 따른 전자결제 방법.
- 삭제
- 삭제
- 삭제
- 제3항에 있어서, 상기 승인전자전표는 사용자의 이동통신단말기의 위치값을 표시한 정보를 포함하는 것을 특징으로 하는 전자전표를 이용한 전자결제 방법.
- 삭제
- 삭제
Priority Applications (3)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020030031843A KR100559180B1 (ko) | 2003-05-20 | 2003-05-20 | 조건부 거래에 따른 전자결제 방법 및 전자결제 서버 |
US10/557,858 US20070005492A1 (en) | 2003-05-20 | 2004-05-13 | Electronic settlement method by conditional trade |
PCT/KR2004/001117 WO2004104885A1 (en) | 2003-05-20 | 2004-05-13 | Electronic settlement method by conditional trade |
Applications Claiming Priority (1)
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KR1020030031843A KR100559180B1 (ko) | 2003-05-20 | 2003-05-20 | 조건부 거래에 따른 전자결제 방법 및 전자결제 서버 |
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KR20040099751A KR20040099751A (ko) | 2004-12-02 |
KR100559180B1 true KR100559180B1 (ko) | 2006-03-14 |
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KR1020030031843A KR100559180B1 (ko) | 2003-05-20 | 2003-05-20 | 조건부 거래에 따른 전자결제 방법 및 전자결제 서버 |
Country Status (3)
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US (1) | US20070005492A1 (ko) |
KR (1) | KR100559180B1 (ko) |
WO (1) | WO2004104885A1 (ko) |
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KR102083754B1 (ko) * | 2019-04-09 | 2020-03-02 | 김정훈 | 예치금 예비 확보를 통한 정기 이체 시스템 |
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-
2003
- 2003-05-20 KR KR1020030031843A patent/KR100559180B1/ko active IP Right Grant
-
2004
- 2004-05-13 WO PCT/KR2004/001117 patent/WO2004104885A1/en active Application Filing
- 2004-05-13 US US10/557,858 patent/US20070005492A1/en not_active Abandoned
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR102083754B1 (ko) * | 2019-04-09 | 2020-03-02 | 김정훈 | 예치금 예비 확보를 통한 정기 이체 시스템 |
Also Published As
Publication number | Publication date |
---|---|
KR20040099751A (ko) | 2004-12-02 |
US20070005492A1 (en) | 2007-01-04 |
WO2004104885A1 (en) | 2004-12-02 |
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