KR20160135559A - Global e-commerce payment system and method using the same - Google Patents
Global e-commerce payment system and method using the same Download PDFInfo
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- KR20160135559A KR20160135559A KR1020150069039A KR20150069039A KR20160135559A KR 20160135559 A KR20160135559 A KR 20160135559A KR 1020150069039 A KR1020150069039 A KR 1020150069039A KR 20150069039 A KR20150069039 A KR 20150069039A KR 20160135559 A KR20160135559 A KR 20160135559A
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- Prior art keywords
- server
- payment
- supplier
- station
- open market
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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
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
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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]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
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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
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/02—Banking, e.g. interest calculation or account maintenance
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- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- Finance (AREA)
- Theoretical Computer Science (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Strategic Management (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Computer Security & Cryptography (AREA)
- Marketing (AREA)
- Technology Law (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
The present invention relates to an overseas electronic commerce online payment system and a method using the same.
Recently, "fastball" is an issue that domestic consumers consume foreign products directly from overseas sites.
On the contrary, 'stationary straight' means that overseas consumers consume Korean products directly from domestic online shopping.
In the case of such imported stationery, the number of overseas consumers who want to purchase Korean products has increased explosively due to the influence of the Korean Wave, etc., and the price of direct imports is at least 30% to 60% Demand for forms is increasing.
On the other hand, such reverse direct payment online payment system has limitations in that the settlement processing is not convenient due to restrictions in the Foreign Exchange Transaction Act. Due to the restrictions imposed by the Foreign Exchange Transactions Act, only certain cards that can be used for overseas settlement are currently used for reverse direct settlement.
Accordingly, there is a demand for a legitimate online payment system capable of activating a reverse straight line system.
At least some embodiments of the present disclosure provide a legitimate online payment system and method that can activate a reverse straight line system.
The payment method of the overseas electronic commerce online payment system according to an embodiment of the present invention includes a step of the consumer terminal of the second country purchasing the goods of the first country supplier through the open market server of the second country and performing settlement , The open market server generates payment information and transmits the payment information to the payment relay server and the first station supplier server; and the first station supplier server delivers the goods and accesses the payment relay server to electronically Generating a sales receipt; requesting the financial transaction server to collect the electronic receivables generated by the payment relay server; and the financial transaction server performing debt collection from the open market server, To the first country supplier account.
The foreign electronic commerce online payment system according to an embodiment of the present invention provides an interface for purchasing and payment of merchandise of a first country supplier to a consumer terminal of a second country and generates payment information when the normal payment is performed A first station supplier server that performs product delivery when the second station open market server and the second station open market server are notified that the settlement of the second station consumer terminal has been normally performed; A settlement relay server for requesting issuance of an electronic merchandise receivable secured with a price of a commodity and generating an electronic merchandise receipt, and a settlement relay server for receiving a collection request for the electronic merchandise receipt from the settlement relay server, And a financial transaction server for transferring the money for the trade receivable to the first country supplier account It shall be.
According to at least some embodiments of the present disclosure, the consumer can use the overseas electronic commerce online payment system to perform settlement of goods sold by suppliers of other countries through the open market of his / her own country, Financial institutions will be able to increase foreign exchange earnings and profitability by developing new businesses.
1 is a block diagram schematically illustrating a configuration of an online electronic commerce online payment system according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a configuration of an open market server according to an embodiment of the present invention.
3 is a block diagram schematically illustrating a configuration of a payment relay server according to an embodiment of the present invention.
FIG. 4 is a view for schematically explaining a configuration of a supplier server according to an embodiment of the present invention.
5 is a block diagram schematically illustrating a configuration of a financial transaction server according to an embodiment of the present invention.
6 is a flowchart illustrating an online electronic commerce online settlement method according to an embodiment of the present invention.
Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Note that, in the drawings, the same components are denoted by the same reference symbols as possible. Further, the detailed description of well-known functions and constructions that may obscure the gist of the present invention will be omitted.
1 is a block diagram schematically illustrating a configuration of an online electronic commerce online payment system according to an embodiment of the present invention.
1, the on-line electronic commerce online payment system of the present invention includes a
The
The existence of the payment relay server and the financial transaction server in the second country means that the payment server and the financial transaction server exist in the same country as the supplier server. .
The
The
The
The
The
The
The
The
The
The consumer of the second country can perform cash settlement, credit card settlement, gift certificate settlement, etc. at the settlement time.
In the case of credit card payment, the settlement payment is transferred from the credit card company's server to the open account's own account via the van (VAN) which collects the payment information at the time of settlement. Therefore, approval, purchase, The purchasing stage may be considered to determine the receivables to be confirmed.
On such a system, the payment settlement agent (the payment relay apparatus of this embodiment) does not directly receive or pay the commodity price, so that a legitimate settlement can be made.
2 is a block diagram schematically illustrating a configuration of an open market server according to an embodiment of the present invention.
The
The
The
In an embodiment of the present invention, the
If it is determined that the payment has been normally processed, the
When the
The
The
The seller DB 252 may include seller information including a seller identifier.
The
The
The information of each database can be stored in association with each other.
3 is a block diagram schematically illustrating a configuration of a payment relay server according to an embodiment of the present invention.
The
The
The
In an embodiment of the present invention, when the
The
The
The
The
The
The
The information stored in the database unit can be stored in association with related information.
In addition, the
FIG. 4 is a view for schematically explaining a configuration of a supplier server according to an embodiment of the present invention.
The
The
Upon receiving the payment information through the
The control unit 430 requests the payment relay server to issue the merchandise receipt for the payment of the delivered merchandise when the delivery is performed.
The
The
The
The
The
5 is a block diagram schematically illustrating a configuration of a financial transaction server according to an embodiment of the present invention.
The
The
The
The
The
At this time, the
In another variant, exchange rate applied money can be transferred from the
6 is a flowchart illustrating an online electronic commerce online settlement method according to an embodiment of the present invention.
The
The
Upon receiving the payment information, the
After performing the delivery, the
The
The
The
In addition, the
When the
When the
At this time, the
The settlement for collection of bonds can be carried out according to preset settlement conditions, for example, it can be settled in accordance with the payment date of the bond, or it can be distributed variously according to the payment date and settled on a daily basis.
In addition, interest or commission may be preempted, and interest or fee may be settled at a later date.
In addition, in order to perform the settlement due to the exchange rate difference, it is also possible to issue a trade receivable only for a part of the amount of the pre-determined ratio of the sales amount, and to settle the remaining part considering the exchange rate, interest and fee.
This system allows suppliers and consumers in other countries to buy and sell goods conveniently without paper contracts.
The embodiments of the present invention disclosed in the present specification and drawings are merely illustrative examples of the present invention and are not intended to limit the scope of the present invention in order to facilitate understanding of the present invention. It is to be understood by those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.
100: Consumer terminal
200: Open Market Server
300: Payment relay server
400: provider server
500: financial transaction server
Claims (8)
The open market server generates payment information and transmits the payment information to the payment relay server and the first station provider server;
Delivering goods to the first station supplier server and accessing the payment relay server to generate an electronic trade receivable for the payment transaction;
Requesting the financial transaction server to collect electronic receivables generated by the payment relay server; And
The financial transaction server collects the bonds from the open market server, and transfers the proceeds of the receivables to the first country supplier account
The method comprising the steps of:
Wherein the payment relay server collectively requests electronic receivables at predetermined intervals.
Wherein the financial transaction server collects the bonds from the open market server and transfers money to the dedicated account of the financial transaction server.
A first station supplier server that performs a merchandise delivery when it is notified from the second station open market server that settlement of the second station consumer terminal has been normally performed;
A payment relay server for requesting the issuance of an electronic merchandise receivable secured by the purchase of a commodity purchased from the first station supplier server and generating an electronic merchandise receipt; And
Receiving a collection request for the electronic merchandise receipt from the payment relay server, collecting the collection receipt to the second country open market server, and transferring the money for the merchandise receipt to the first country supplier account
Overseas electronic commerce online payment system including.
Wherein the payment relay server collectively requests electronic receivables at predetermined intervals.
Wherein the financial transaction server collects the bonds from the open market server and transfers the payment to the dedicated account of the financial transaction server.
Receiving a receipt collection request from a payment relay server for an electronic trade receivable issued by a first country supplier server that has delivered a commodity corresponding to payment information;
Performing debt collection to the second country open market server; And
Transfers to a supplier account in the first country to pay for accounts receivable
A financial transaction server for online e-commerce online payment, including.
When the payment information for notifying that the consumer has paid the payment is confirmed from the second station open market through the communication section and the collection of the electronic merchandise receipt issued by the first station supplier server is requested, A control unit for collecting the bonds to the open market server and paying the money to the first country supplier account
A financial transaction server for online e-commerce online payment, including.
Priority Applications (1)
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KR1020150069039A KR101725632B1 (en) | 2015-05-18 | 2015-05-18 | Global e-commerce payment system and method using the same |
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KR1020150069039A KR101725632B1 (en) | 2015-05-18 | 2015-05-18 | Global e-commerce payment system and method using the same |
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KR20160135559A true KR20160135559A (en) | 2016-11-28 |
KR101725632B1 KR101725632B1 (en) | 2017-04-26 |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
KR101998267B1 (en) * | 2018-09-13 | 2019-07-15 | (주)웰브릿지 | Shopping mall for foreigner providing method and system performing the same |
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KR100777397B1 (en) * | 2007-03-23 | 2007-11-19 | 김진수 | Electronic pament method |
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Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
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KR101998267B1 (en) * | 2018-09-13 | 2019-07-15 | (주)웰브릿지 | Shopping mall for foreigner providing method and system performing the same |
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KR101725632B1 (en) | 2017-04-26 |
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