KR20200109961A - System and method for managing peer to peer finance using e-commerce - Google Patents

Abstract

Disclosed, in the present invention, are a P2P financial management system using an e-commerce and a method thereof. The present invention induces the purchaser′s cash payment by providing loan interest income by linking the consumption activity according to a product purchase of the purchaser with P2P investment in the e-commerce, and provides a seller with quick payment of the settlement, thereby improving the purchaser′s profit through interest income and the seller′s profitability through prompt payment.

Description

P2P financial management system and method using e-commerce {SYSTEM AND METHOD FOR MANAGING PEER TO PEER FINANCE USING E-COMMERCE}

The present invention relates to a P2P financial management system and method using e-commerce, and more specifically, P2P using e-commerce, which provides loan interest income by linking consumption activities according to purchaser's product purchase in e-commerce with P2P investment. It relates to a financial management system and method.

As payment methods currently used in e-commerce transactions, the most commonly used methods are account transfer using a bank account, credit card payment, and electronic money.

The payment method using a bank account is when the buyer (or customer) selects the product they want to purchase at the Internet shopping mall and deposits the product price to the bank account of the seller who operates the Internet shopping mall, the seller confirms the bank deposit and then sends it to the customer. It is done by delivering goods.

However, payment using account transfer may cause problems in the safety of cash transactions (or the seller's credit).

The payment method using electronic money is that after the purchaser selects a product to purchase at the Internet shopping mall, the purchaser enters electronic money information in the payment item, the Internet shopping mall company requests the product price from the electronic money company, and the electronic money company This is done by receiving payment for the product from and then delivering the product to the customer.

In the payment method using a credit card, after a buyer selects a product to purchase in an internet shopping mall operated by the seller, enters card information such as a credit card number and a credit card expiration date in the credit card payment item, and the card information Is inquired with the card company, and when the card is approved, the product is delivered to the buyer.

1 is a block diagram showing a payment process for an electronic commerce transaction using a general credit card.

As shown in Fig. 1, the purchaser connects to the e-commerce server 30 through the purchaser terminal 10, determines the purchase of a necessary product, and inputs credit card information as payment information for purchase. The payment information is authenticated by the card company server 40 and then the payment result information is transmitted to the buyer terminal 10 and the seller terminal 20.

However, there are some differences in payment using a credit card depending on the creditworthiness of the seller, but there is a problem that the seller has to pay a credit card fee in the range of 1.5% to 2.4% of the sales amount.

In addition, the credit card fee is reflected in the selling price of the product, so that the price of the product may increase, and if the credit card fee is not reflected in the product price, there is a problem that the profit of the seller decreases.

In addition, in most e-commerce payments, the product is safely delivered to the purchaser, so even if the purchaser's purchase confirmation is completed, the payment for the product is not paid to the seller, or the payment is not paid to the seller for a certain period after delivery of the product. Therefore, it is difficult to secure cash liquidity for sellers.

Korean Patent Laid-Open Publication No. 10-2001-0000805 (Title of invention: Improved credit card payment system and payment method in Internet e-commerce)

In order to solve this problem, the present invention aims to provide a P2P financial management system and method using an e-commerce transaction that provides loan interest income by linking consumption activities according to a purchaser's product purchase in an e-commerce transaction with P2P investment. .

In order to achieve the above object, the P2P financial management system according to an embodiment of the present invention is an online purchase system that relays product purchases between a buyer terminal and a seller terminal, wherein the product is transferred from the buyer terminal to a preset buyer payment account. When the payment transfer information is input, the payment amount deposited in the buyer's payment account is transferred to the seller's payment account and converted into a loan investment to generate a principal and interest receivable, and when purchase confirmation information is input from the purchaser terminal, the purchaser's It is configured to include a PG system server that calculates interest during the investment period after the principal and interest receivable right expires and manages to transfer the calculated interest from the seller's payment account to the buyer's payment account.

In addition, the PG system server according to an embodiment of the present invention manages to transfer the principal of the loan investment from the seller's payment account to the buyer's payment account when a request for cancellation of purchase or a request for return is input from the buyer terminal. do.

In addition, the P2P financial management system according to an embodiment of the present invention is characterized in that it further comprises a financial institution server that manages the remittance of payment, loan investment, and interest between the buyer payment account and the seller payment account.

In addition, the PG system server according to an embodiment of the present invention includes the purchaser's member information, loan investment product information, purchaser's payment account information, payment payment and loan investment principal receipt information, purchase confirmation information, and return information. And a buyer management unit that manages information on receiving interest on loan investment. Seller management unit that manages the seller's member information, sales application and platform contract information, collateral information of the target asset based on the above sales application information, seller's payment account information, interest payment information according to purchase confirmation, and loan investment return information according to returns ; A settlement management unit that manages payment information between the buyer management unit and the seller management unit as payment information, loan investment remittance information, interest payment information, and loan investment return information; And an e-commerce transaction in accordance with the purchase of goods between the buyer terminal and the seller terminal, and when payment is deposited into the buyer's payment account, the payment is transferred to the seller's payment account to generate principal and interest receivables according to the change of the loan investment, It characterized in that it comprises a control unit that manages the return of the principal amount of the loan investment and the payment of interest according to the purchase confirmation, the cancellation of the principal and interest receivable according to the purchase cancellation and the return request.

In addition, the purchaser payment account and the seller payment account according to an embodiment of the present invention may be a real account for separate storage of a third party for P2P.

In addition, the P2P financial management method according to an embodiment of the present invention comprises the steps of: a) receiving, by a PG system server, transfer information of a product payment from a purchaser terminal to a preset purchaser payment account through a financial institution server; b) generating a principal and interest receivable by the PG system server requesting a remittance of the payment amount deposited to the purchaser payment account to the seller payment account to the financial institution server, and converting the payment amount into a loan investment; c) The PG system server checks whether the purchase confirmation information is input from the purchaser terminal, and when the purchase confirmation information is input as a result of the confirmation, the loan investment is converted into a payment amount to extinguish the principal and interest receivable. Calculating interest; And d) requesting, by the PG system server, to transfer the calculated interest from the seller payment account to the buyer payment account to the financial institution server.

In addition, as a result of the confirmation of step c) according to an embodiment of the present invention, if cancellation request information is input from the purchaser terminal, the PG system server transfers the principal loan investment from the seller settlement account to the purchaser settlement account to the financial institution server. It characterized in that it further comprises the step of requesting to be transferred.

In addition, the P2P financial management method according to an embodiment of the present invention e) checks whether return completion information is input from at least one of the purchaser terminal and the seller terminal when a return request is received from the purchaser terminal after the PG system server confirms the purchase. Step to do; And f) requesting, by the PG system server, to transfer the principal of the loan investment from the seller's payment account to the buyer's payment account to the financial institution server when the confirmation result, return completion information is input.

The present invention induces the buyer's cash settlement by providing loan interest income by linking the consumption activity of the buyer's product purchase with P2P investment in e-commerce, and providing the seller with a quick transfer of the payment to the buyer through interest income. It has the advantage of improving seller's profitability through profit and prompt payment.

In addition, the present invention has the advantage of reducing the burden of credit card fees, thereby improving the burden of payment fees for small business owners who enter the e-commerce platform.

In addition, the present invention has the advantage of inducing a product price through improvement of the payment fee burden and improving the profit of the seller.

In addition, the present invention has the advantage of improving the safety of cash transactions by configuring the deposit and withdrawal cash settlement through individual bank virtual accounts.

1 is a block diagram showing a payment process for an electronic commerce transaction using a general credit card.
2 is a block diagram showing a P2P financial management system using electronic commerce according to an embodiment of the present invention.
3 is a block diagram showing the configuration of a PG system server of the P2P financial management system using electronic commerce according to FIG. 2.
4 is a flow chart for explaining a P2P financial management method using an e-commerce transaction according to an embodiment of the present invention.
Figure 5 is a flow chart for explaining the return process of the P2P financial management method using the e-commerce according to Figure 4;

Hereinafter, a preferred embodiment of a P2P financial management system and method using electronic commerce according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

In this specification, the expression that a certain part "includes" a certain component does not exclude other components, but means that other components may be further included.

In addition, terms such as "... unit", "... group", and "... module" mean units that process at least one function or operation, which can be classified into hardware, software, or a combination of the two.

FIG. 2 is a block diagram showing a P2P financial management system using e-commerce according to an embodiment of the present invention, and FIG. 3 is a block diagram showing the configuration of a PG system server of the P2P financial management system using e-commerce according to FIG. 2.

2 and 3, the P2P financial management system using e-commerce includes an e-commerce server 300 for relaying product purchases between a buyer terminal 100 and a seller terminal 200, and a PG system server 400. ), and a financial institution server 500.

The purchaser terminal 100 may access the e-commerce server 300 through an application program (app, App) installed on the terminal or the web to transmit and receive data, and the purchaser's member information, product purchase information, and payment from the purchaser. Information, such as information, purchaser's payment account information, purchase confirmation, purchase cancellation, and return request are received and transmitted to the PG system server 400 through the e-commerce server 300.

In addition, the purchaser terminal 100 includes loan investment product information transmitted from the PG system server 400, payment result information for product purchase, principal receipt information for loan investment, purchase confirmation information, return information, and loan investment interest. Receipt information, etc. is received through the e-commerce server 300 to be displayed to a buyer.

In addition, the purchaser terminal 100 may be configured as a terminal device including an input/output device and an information processing device such as a smart phone, a PC, a PDA, a laptop, and a tablet PC, but is not limited thereto.

The seller terminal 200 can transmit and receive data by accessing the e-commerce server 300 through an application program (app, App) installed in the terminal or the web, and the seller's member information, product sales application and e-commerce transaction from the seller. The PG system server 400 through the e-commerce server 300 by receiving input of the loan investment platform use contract information using the platform and the PG loan system, collateral information of the target asset based on the product sales application information, and payment account information of the seller. Transfer to.

In addition, the seller terminal 200 receives the interest payment information according to the purchase confirmation and the loan investment return information according to the return transmitted from the PG system server 400 through the e-commerce server 300 to be displayed to the seller.

The e-commerce server 300 is a configuration in which a transaction is made between the purchaser terminal 100 and the seller terminal 200, and the configuration in which the purchaser terminal 100 accesses to select and pay the seller's product, and a plurality of The seller terminal 200 registers the product for sale, manages the delivery of the selected product, and performs the same as the transaction of a product using a conventional electronic commerce transaction.

When the PG system server 400 inputs product payment transfer information from the purchaser terminal 100 to the preset purchaser payment account 510, the payment amount deposited in the purchaser payment account 510 is transferred to the seller's payment account ( 520) to convert the loan investment to generate the principal and interest receivable, and when the purchase confirmation information is input from the purchaser terminal 100, the purchaser's principal and interest receivable is extinguished and then the interest for the investment period is calculated and the above As a configuration for managing the calculated interest to be transferred from the seller's payment account 520 to the buyer's payment account 510, the buyer management unit 410, the seller management unit 420, the settlement management unit 430, and the control unit 440 ), and a database 450.

The PG system server 400 according to an embodiment of the present invention is described separately from the e-commerce server 300 for convenience of description, but is not limited thereto, and the e-commerce server 300 and the PG system server ( 400) can be configured with one server.

The purchaser management unit 410 includes member information of the purchaser, loan investment product information corresponding to the product selected and purchased by the purchaser, payment account information of the purchaser for inputting the payment amount of the product or receiving interest remittance, and It manages payment of payment, information on receipt of principal amount of loan investment in accordance with purchase cancellation and return, purchase confirmation information, return information, and loan investment interest receipt information.

The seller management unit 420 includes the seller's member information, the seller's product sales application contract information, the electronic commerce platform use contract information, the loan investment platform use contract information using the PG loan system, and the target product security based on the sales application contract information. It manages information, payment of loan investment funds, payment account information of sellers to provide principal or interest for loan investment, interest payment information according to purchase confirmation, and return information of loan investment according to returns.

When a transaction occurs between the buyer management unit 410 and the seller management unit 420, the settlement management unit 430 manages product payment information, loan investment remittance information, interest payment information, and loan investment return information.

The control unit 440 manages the electronic commerce transaction according to the purchase of goods between the buyer terminal 100 and the seller terminal 200, and deposit information of the payment amount from the financial institution server 500 to the buyer payment account 510 When is confirmed, the payment amount is transferred to the seller's payment account 520 so that the principal and interest receivable according to the loan investment change is generated.

In addition, when the purchase confirmation information is input from the purchaser terminal 100, the control unit 440 extinguishes the principal and interest receivable and responds to the investment period until the purchase confirmation is made after being remitted to the seller's payment account 520. Thus, interest is calculated according to a preset interest rate.

In addition, the control unit 440 requests interest payment by transmitting the buyer account information 510 and the seller account information 520 to the financial institution server 500 so that the calculated interest is paid to the buyer.

In addition, the control unit 440 transfers the payment amount from the purchaser payment account 510 to the seller payment account 520, and then, when the purchase cancellation information is inputted from the purchaser terminal 100, it is sent to the financial institution server 500. The return request information is transmitted from the seller's payment account 520 to the buyer's payment account 510 so that the principal amount of the loan investment is returned according to the purchase cancellation, and the principal and interest receivable right is extinguished.

In addition, when a return request is input after the purchase of the product is confirmed, the controller 440 returns the principal of the loan investment according to the return request from the seller payment account 520 to the buyer payment account 510 to the financial institution server 500. Send the return request information.

The financial institution server 500 manages the payment between the purchaser payment account 510 and the seller payment account 520 so that the payment, loan investment, and interest are remitted.

In addition, the financial institution server 500 creates a real account for separate storage of the purchaser payment account 510 and the seller payment account 520 for P2P for online payment, and the generated account It is a fixed account created for each seller, and the generated payment account enables payment of payment, interest payment, principal return of loan investment, deposit of loan investment, and the like.

The following describes a P2P financial management method using e-commerce according to an embodiment of the present invention.

4 is a flowchart illustrating a P2P financial management method using e-commerce according to an embodiment of the present invention, and FIG. 5 is a flowchart illustrating a return process of the P2P financial management method using e-commerce according to FIG. 4.

Referring to FIGS. 2 to 5, the PG system server 400 receives membership registration information of buyers and sellers through the buyer terminal 100 and the seller terminal 200 (S100).

That is, in the step S100, the PG system server 400 provides loan interest income to the buyer by linking consumption activities according to the purchaser's product purchase with the P2P investment in the electronic commerce transaction, and provides the seller with a quick transfer of the payment amount. In order to improve the buyer's profit through interest income and the seller's profitability through prompt payment, the conversion to loan investment is announced, and then membership registration is made through the consent of the buyer and seller.

In addition, in the step S100, the PG system server 400 inputs the payment amount of the product from the buyer or the payment account information of the buyer to receive interest remittance, the deposit of the loan investment from the seller, the principal of the loan investment, or the seller to provide interest. Receive payment account information, etc.

When an e-commerce transaction for the purchase of a product between the buyer and the seller is performed in the e-commerce server 300, the PG system server 400 provides buyer account information 510 and seller account information from the e-commerce server 300. The transaction result information including 520 is received, and it is checked whether the payment amount of the product is deposited from the financial institution server 500 to the purchaser payment account 510 (S110).

When the payment of the payment amount from the financial institution server 500 is confirmed, the PG system server 400 transfers the payment amount deposited to the purchaser payment account 510 to the financial institution server 500 to the seller payment account 520 And request to deposit (S120).

When the deposit in the step S120 is completed, the PG system server 400 converts the payment amount into a loan investment to be managed, and generates a principal and interest receivable to the buyer according to the loan investment conversion (S130).

Thereafter, the PG system server 400 checks whether purchase confirmation information is input from the purchaser terminal 100 (S140).

As a result of the confirmation in step S140, when purchase confirmation information is input from the purchaser terminal 100, the PG system server 400 converts the loan investment deposited to the seller's payment account 520 into a payment amount, so that the purchaser's principal and interest receivable Make it disappear (S150).

After performing the step S150, the PG system server 400 calculates the interest during the investment period in which the loan investment is deposited to the seller settlement account 520 according to a preset interest rate (S160).

The PG system server 400 requests (S170) to transfer the interest calculated in step S160 from the seller's payment account 520 to the buyer's payment account 510 to the financial institution server 500 so that the interest on the investment is transferred to the seller. To be paid to the buyer from

In addition, as a result of the confirmation in step S140, when cancellation request information is input from the purchaser terminal 100 (S141), the PG system server 400 transfers the purchaser payment account from the seller payment account 520 to the financial institution server 500. 510) is requested to transfer the principal of the loan investment (S151), and the principal of the loan investment is repaid to the buyer along with the termination of the right to receive principal and interest due to the cancellation of the product purchase.

On the other hand, the PG system server 400, after confirming the purchase of the product, when a return request is input from the purchaser terminal 100 (S200), the return completion information is input from at least one of the purchaser terminal 100 and the seller terminal 200 Check whether it is (S210).

As a result of the confirmation in step S210, when return completion information is input, the PG system server 400 sends the payment amount of the purchaser according to the return of the product from the seller payment account 520 to the purchaser payment account 510 to the financial institution server 500 That is, a request to transfer the principal amount of the loan investment (S220).

Therefore, in e-commerce, the purchaser's consumption activities according to the purchase of goods are linked with P2P investment to provide loan interest income to the buyer, and to the seller by providing a quick transfer of the payment amount, The seller's profit can be generated through profit and quick payment.

As described above, the present invention has been described with reference to preferred embodiments of the present invention, but those skilled in the art can variously modify and change the present invention within the scope not departing from the spirit and scope of the present invention described in the following claims. You will understand that you can do it.

In addition, reference numerals in the claims of the present invention are provided for clarity and convenience of description, and are not limited thereto. In the process of describing the embodiments, the thickness of the lines shown in the drawings, the size of components, etc. May be exaggerated for clarity and convenience of description, and the above-described terms are terms defined in consideration of functions in the present invention and may vary according to the intention or custom of users and operators. Is to be made based on the contents throughout this specification.

100: buyer terminal
200: seller terminal
300: e-commerce server
400: PG (Payment Gateway) system server
410: Buyer Management Department
420: Seller Management Department
430: Settlement Management Department
440: control unit
450: database
500: financial institution server
510: Buyer virtual account
520: Seller virtual account

Claims (8)

In the online purchase system for relaying product purchase between the buyer terminal 100 and the seller terminal 200,
When the payment information for the product is input from the purchaser terminal 100 to the purchaser payment account 510 set in advance, the payment amount deposited in the purchaser payment account 510 is transferred to the seller payment account 520 and the loan investment When the principal and interest receivable according to the change is generated and purchase confirmation information is input from the purchaser terminal 100, the interest for the investment period is calculated after the purchaser's principal and interest receivable is extinguished, and the seller's payment account 520 P2P financial management system using electronic commerce including a PG system server 400 that manages to transfer the calculated interest to the purchaser payment account 510. The method of claim 1,
The PG system server 400 manages to transfer the principal of the loan investment from the seller payment account 520 to the purchaser payment account 510 when a request for cancellation of purchase or a request for return of a product is input from the purchaser terminal 100. P2P financial management system using e-commerce, characterized in that. The method of claim 2,
P2P financial management system using e-commerce, characterized in that it further comprises a financial institution server 500 that manages the remittance of the payment amount, loan investment and interest between the buyer payment account 510 and the seller payment account 520 . The method of claim 3,
The PG system server 400 includes the purchaser's member information, loan investment product information, purchaser's payment account information, payment for product purchase and loan investment principal receipt information, purchase confirmation information, return information, and loan investment interest receipt information. Buyer management unit 410 to manage;
Seller management unit that manages the seller's member information, sales application and platform contract information, collateral information of the target asset based on the above sales application information, seller's payment account information, interest payment information according to purchase confirmation, and loan investment return information according to returns (420);
A settlement management unit 430 for managing payment information, loan investment remittance information, interest payment information, and loan investment return information between the buyer management unit 410 and the seller management unit 420; And
E-commerce transaction according to product purchase between the buyer terminal 100 and the seller terminal 200 proceeds, and when payment is deposited to the buyer payment account 510, the payment is transferred to the seller payment account 520 It includes a control unit 440 that manages to generate principal and interest receivables according to changes in loan investment, purchase confirmation, extinguishment of principal and interest receivables according to purchase cancellation, and return of principals of loan investments and payment of interest according to a return request. P2P financial management system using e-commerce transactions. The method according to any one of claims 1 to 4,
The purchaser payment account 510 and the seller payment account 520 are P2P financial management system using e-commerce, characterized in that the real accounts for separate storage of a third party for P2P. a) receiving, by the PG system server 400, transfer information of the payment amount of the product from the purchaser terminal 100 to the preset purchaser payment account 510 through the financial institution server 500;
b) The PG system server 400 requests remittance of the payment amount deposited to the buyer payment account 510 to the financial institution server 500 to the seller payment account 520, and converts the payment amount into a loan investment Generating a principal and interest receivable;
c) The PG system server 400 checks whether the purchase confirmation information is input from the purchaser terminal 100, and when the purchase confirmation information is input as a result of the confirmation, the loan investment is converted into a payment amount and the principal and interest receivable is extinguished. Calculating interest during the next investment period; And
d) using an electronic commerce transaction comprising the step of requesting that the PG system server 400 transfer the calculated interest from the seller payment account 520 to the buyer payment account 510 to the financial institution server 500 How to manage P2P finance. The method of claim 6,
As a result of the confirmation in step c), when cancellation request information is input from the purchaser terminal 100, the PG system server 400 transmits the purchaser payment account 510 from the seller payment account 520 to the financial institution server 500. ) P2P financial management method using e-commerce, characterized in that it further comprises the step of requesting to transfer the principal amount of the loan investment. The method of claim 7,
e) the PG system server 400 confirms whether return completion information is input from at least one of the purchaser terminal 100 and the seller terminal 200 when a return request is received from the purchaser terminal 100 after confirmation of purchase. ; And
f) As a result of the verification, when the return completion information is input, the PG system server 400 requests the financial institution server 500 to transfer the principal of the loan investment from the seller payment account 520 to the buyer payment account 510 P2P financial management method using e-commerce, characterized in that it further comprises.

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