KR100353016B1 - Method and system for payment processing using personal financial account in electronic commercial transaction - Google Patents

Abstract

Here, a method and system for processing payment using a personal financial account in an electronic commerce is disclosed. A payment processing method and system using a personal financial account uses a personal financial account for processing regarding payment in an electronic commerce. In the event of an e-commerce transaction, the amount to be paid from the amount deposited in the buyer's personal finance account remains locked from withdrawal or transfer from the personal finance account until the corresponding e-commerce is completed (delivery of the purchased goods, auction of auction, etc.). This allows both buyers and sellers to trust each other with regard to payment processing.

Description

METHOD AND SYSTEM FOR PAYMENT PROCESSING USING PERSONAL FINANCIAL ACCOUNT IN ELECTRONIC COMMERCIAL TRANSACTION}

The present invention relates to a payment processing method and system using a financial account, and more particularly, to a payment processing method and system using a personal financial account in an electronic commercial transaction.

In addition to the development of general personal computers, various online services using the Internet are being developed according to the development of the Internet communication network and its surrounding environment. In particular, as various types of electronic commerce services such as online electronic auctions and online shopping malls are provided on the Internet, new product sales methods are being provided. As various e-commerce services are provided through the Internet, users can easily order desired products through a communication network, and thus, various convenience benefits are gained from general individuals to companies. However, in order for electronic commerce services through the Internet to become more active, the quality of goods and payment guarantees must be secured together.

Recently, with the increase of e-commerce services, consumer damage related to product quality and payment price is increasing, and service providers are also suffering from the same damage. Therefore, in the development of e-commerce services, a payment method in which both customers and service providers can trust each other is required.

In general, the payment method used in the electronic commerce was a prepayment method, but in recent years, some post payment methods have been implemented. In the case of the prepayment method, the buyer has to pay in advance regardless of the result of purchasing the product, so the buyer has to bear even in the event of a disadvantage. In the case of the post-payment method, the payment is made by the buyer after the delivery of the goods to the buyer, but there is a possibility of disadvantage to the seller.

On the other hand, payment methods generally handled in electronic commerce are mainly through payment by wire transfer or credit card. In the case of a credit card, the convenience of payment is provided, but credit card information may be exposed, and credit card information exposed by any channel may be used for illegal purchase, and thus, a secure payment method is not provided. In the case of bank transfer, the risk of information leakage is lower than that of credit card payment, but it is not convenient.

Although e-commerce provides a number of advantages over conventional commerce methods, it has a number of disadvantages in payment processing methods, which negatively affects the activation of e-commerce. In addition, since some goods are being traded in the online shopping mall, and some expensive goods such as automobiles and real estate are made, more secure payment processing methods should be proposed.

Recently, various online auction services have been provided using the Internet. In the case of an auction method in which an online auction service requires a portion of a winning bid to be deposited as a deposit, if the bidding deposit is deposited in a specific account designated by an auction provider, such as the existing offline method, The problem with the payment method is the same. In particular, if the winning bid price is high, the deposit amount may be high, so in this case, the online auction service may be activated only when security or security related to payment is secured.

In order to solve the above-mentioned problems of electronic commerce, efforts have been made to provide a safer and more convenient payment processing method. For example, in Korean Patent Application Publication No. 2000-0036831 'Payment Service Method through the Internet', a member's virtual account is set in a database of a payment service server connected to the web, and account transfer occurs at the member's request. Do it. However, this method has a concern that personal financial information may be exposed because members' account information (eg, balance information, account transfer information, etc.) are stored in a database.

As another example, Korean Unexamined Patent Publication No. 2001-0000962 'Online Trust Payment System of Bank Account Transfer Method for Enterprise E-Commerce and Its Operation Method' is a settlement agency financial institution ('Escrow Bank') that operates an online trust payment system. In order to allow trust payments to be made through bank account transfers online, networks with other financial institutions ('affiliate banks') and inter-business e-commerce sites ('affiliate sites') can be purchased with sellers ('sellers'). The company ('buyer') allows payment and delivery of goods. However, this method may incur the hassle of setting up and using a separate trust account and the additional cost of setting up a separate account.

Accordingly, an object of the present invention has been proposed to solve the above-mentioned problems, a payment processing method using a personal financial account that is mutually reliable and improved the convenience of payment processing in the payment processing between the buyer and the seller in electronic commerce and To provide a system.

1 is a block diagram showing the overall configuration of an online auction system according to a first embodiment of the present invention;

2 is a flowchart showing a payment process of the online auction system of FIG. 1;

3 is a block diagram showing the overall configuration of an online shopping mall system according to a second embodiment of the present invention; And

4 is a flowchart illustrating a payment processing process of the online shopping mall system of FIG. 3.

* Description of the symbols for the main parts of the drawings *

10: online auction server 20, 80: financial institution server

30: auction provider server 40a, 40b: bidder terminal

50, 110: public network 60, 120: financial institution computer network

70: online shopping mall server 90: product provider server

100a, 100b: Buyer terminal

According to an aspect of the present invention for achieving the object of the present invention as described above, a payment processing system for electronic commerce comprises: a plurality of bidder terminals connected via a communication network; An online auction server for providing auction item information to the bidder terminals and receiving an online bid request received from the plurality of bidder terminals to control auction processing; Receive the bidder's financial account information from the online auction server, set a deposit corresponding to the bid deposit in the bidder's financial account according to a request of the online auction server, and set a locked state in which withdrawal and transfer of funds are prohibited; Upon receipt of the auction request from the auction server for the completion of the auction processing and request for the transfer of a successful bidder's account, the bidder locks the locked bidder's financial account and locks the bidding deposit in the successful bidder's financial account. A financial institution server for controlling the automatic transfer process to, wherein the online auction server includes: an auction product database that stores auction product information; A bid information database for storing bid information including bidder personal information, bidder financial account information, bid processing period, and bid deposit information; And an auction processing processor that manages the auction product database and the bidding information database and performs auction processing control, wherein the financial institution server includes: bid information data for storing bidding information provided from the online auction server. Base; An account information database that stores the account information of the depositor; And a financial business processing processor for managing the bidding information database and the account information database, and controlling the processing of financial business and payment processing linked with the online auction server.

According to another aspect of the present invention, a payment processing system for electronic commerce: providing product information to a plurality of buyer terminals connected through a communication network, and accepts a product purchase request received from the plurality of buyer terminals to sell the product. An online shopping mall server for controlling the processing; Receive the financial account information of the bidder from the online shopping mall server, set a deposit corresponding to the purchase deposit in the buyer's financial account according to the request of the online shopping mall server in a locked state where withdrawal and account transfer are prohibited, and the online Upon receipt of a purchase deposit lock request and purchase confirmation account transfer request from the shopping mall server, the purchaser's financial account set to the locked state is unlocked, and the purchase deposit is pre-set from the purchaser's financial account. A financial institution server for controlling an automatic transfer process to an account, wherein the online shopping mall server comprises: a product information database storing product information; A purchase information database in which purchase information is stored, including purchaser identification information, buyer financial account information, purchase processing period, and purchase deposit information; And a shopping mall operating processor for managing the product information database and the purchase information database and controlling an online product sales process, wherein the financial institution server includes: purchase information for storing purchase information provided from the online shopping mall server; database; An account information database that stores the account information of the depositor; And a financial business processing processor for managing the purchase information database and the account information database and controlling the processing of the financial business and payment processing linked to the online shopping mall server.

According to still another aspect of the present invention, an online auction server that receives online bidding requests from a plurality of bidder terminals connected through a communication network and performs online auction processing and payment processing related to auction processing in conjunction with the online auction server. A payment processing method of an electronic commerce system including a financial institution server for performing control includes: receiving a bid gaze request from the bidder terminal; Receiving bidder's personal information and financial account information from a bidder terminal having a bid gaze request; Querying, by the financial institution server, whether a deposit amount of a bidder's financial account exceeds a bid deposit; If the deposit amount of the bidder's financial account exceeds the bid security deposit, accepting and processing the bidding; Requesting a lock process to the financial institution server so that a bid deposit is withdrawn from the bank account of the bidder who has received the bidding and the transfer is prohibited; When the auction processing is completed, requesting the financial institution server to automatically close the bidder's financial account and to automatically transfer the bid deposit from the successful bidder's financial account to at least one transfer account specified in advance. The financial institution server unlocks the financial account of the bidder set to the locked state upon request of the online auction server upon completion of the auction processing, and automatically transfers the bid deposit from the successful bidder's financial account to the predetermined transfer account. do.

According to still another aspect of the present invention, an online shopping mall server that receives a purchase request of a plurality of buyer terminals connected through a communication network and processes online goods sales and performs payment processing related to product sales processing in connection with the online shopping mall server A payment processing method of an electronic commerce system comprising a financial institution server comprising: receiving a product purchase request from the buyer terminal; Receiving purchaser's personal information and financial account information from a purchaser terminal having a product purchase request; Querying, by the financial institution server, whether a deposit amount of a buyer's financial account exceeds a purchase deposit; If the deposit amount of the buyer's financial account exceeds the purchase deposit, processing the purchase request; Requesting a lock process to the financial institution server to prohibit the withdrawal and transfer of a purchase deposit from the financial account of the purchaser whose purchase request has been processed; When the purchase processing is completed, requesting the financial institution server to lock the purchaser's financial account, and requesting the automatic transfer of the purchase deposit to at least one transfer account specified in advance. Upon the request of the online shopping mall server according to the completion of the processing, the financial account of the buyer set to the locked state is unlocked, and the purchase deposit is automatically transferred to the predetermined transfer account from the financial account of the purchased buyer.

In this embodiment, the locked state of the buyer financial account and the automatic debit processing request are selectively processed when a final confirmation of product purchase is received from the buyer terminal.

In this embodiment, the locked state of the buyer's financial account and the automatic transfer processing request are automatically processed when a specified time has elapsed after delivery of the goods.

In this embodiment, when the lock state of the buyer's financial account is canceled and the request for automatic transfer processing is received from the buyer's terminal, a request for returning goods is received from the buyer's terminal, and then the buyer's financial account is received. Requires only unlocked state.

(Example)

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

According to the payment processing method and system using the new personal finance account of the present invention, when the e-commerce occurs, the corresponding e-commerce is completed from the amount deposited in the buyer personal finance account (delivery of purchased goods, auction of auction, etc.) By maintaining a lock that does not withdraw from the personal finance account, both buyers and sellers can trust each other with regard to payment processing. The preferred embodiment of the present invention described below first describes an online auction system as a first embodiment and an online shopping mall system as a second embodiment.

Example 1

1 is a block diagram showing the overall configuration of an online auction system according to a first embodiment of the present invention.

Referring to the drawings, the online auction system includes an online auction server 10, a financial institution server 20, an auction provider server 30, and a plurality of bidder terminals 40a or 40b, which are common communication networks 50. It is connected to each other online through.

The public communication network 50 is a communication network including a public switched telephone network (PSTN), a computer communication network such as the Internet, a wireless communication network, and the like. The online auction server 10 is, for example, a web server for providing an online auction service via the Internet, and the auction processing processor 12, the bid information database 14 and the auction product database 16 Include. The online auction server 10 is controlled by the auction processing processor 12 receives the information on the auction product from the auction provider server 30 through the public communication network 50 and stores in the auction product database 16 . The bidding information database 14 includes bidding information (e.g., bidder identification information such as the bidder's address, name, social security number, financial account information including the financial account number, and the bid deposit and processing period according to bidding). Information, etc.) is stored.

The financial institution server 20 is, for example, a server for processing a financial business that is installed in financial institutions such as general banks, securities companies, insurance companies, etc., and is connected to the public communication network 50 and the financial institution computer network 60 to compute the financial business. Perform the process. The financial institution server 20 includes a financial affairs processing processor 22, an account information database 24, and a bid information database 26. The financial institution server 20 is controlled by the financial affairs processing processor 22 and connected to the online auction server 10 through the public communication network 50 and receives bid information provided from the online auction server 10 to receive bid information. It stores in the database 26. The account information database 24 stores account information of the depositor. And, as described below, in conjunction with the online auction server 10 performs the payment process related to the online auction.

A bidder who wants to use such an online auction system makes an auction bidding by accessing the online auction server 10 through the public communication network 50 using the bidder terminal 40aor 40b. The bidder terminal 40a or 40b may be configured as a personal computer having a communication function, a wireless communication terminal capable of wireless internet, or the like, which may be connected to the online auction server 10 through the public communication network 50.

FIG. 2 is a flowchart showing a payment process of the online auction system of FIG. 1.

Referring to the drawing, in step S10, the online auction server 10 receives the auction information from the auction provider server 30, and stores it in the auction product database 16. In step S12, the online auction server 10 announces the auction through the web. The auction contents posted as described above are exposed to a plurality of users connected to the online auction server 10 through the public communication network 50.

A bidder who intends to bid makes a bid request request to the online auction server 10 using any one of various types of bidder terminals 40a or 40b as described above in step S14. In step S16, in response to the bid request, the online auction server 10 requests bidder information, that is, bidder personal information and financial account information, to the bidder terminal 40a or 40b. In step S18, the bidder provides a series of bidder information to the online auction server 10 using the bidder terminal (40a or 40b).

In step S20, the online auction server 10 stores the bidding information in the bidding information database 14 and provides it to the financial institution server 20, where the balance of the bidder's financial account is required for bidding (bid deposit). Ask for confirmation if it exceeds. In step S22, the financial institution server 20 stores the provided bid information in its own bid information database 26 and checks whether the balance of the corresponding bidder's financial account exceeds the bid deposit. The result is provided to the online auction server 10 in step S24.

In step S26, the online auction server 10 notifies the bidder terminal 40a or 40b whether bidding is possible according to the bidder account confirmation response provided from the financial institution server 20. In other words, if the balance of the bidder's account does not exceed the bid deposit, a notification of no bidding is allowed, and if the balance of the bidder's account exceeds the bidding, the bidding is notified. If notified that the bid is possible, the bidder takes a bid at S28. Accordingly, in step S30, the online auction server 10 requests the financial institution server 20 to lock the bid deposit for the corresponding account of the bidder.

In response, the financial institution server 20 that has received the bid deposit lock request locks the deposit amount and the transfer to the deposit amount corresponding to the bid deposit amount in the bidder's account in step S32, and performs the lock process. In S34, the lock processing result is notified to the online auction server 10. In step S36, the online auction server 10 notifies the bidder terminal 40a or 40b of the bid gaze processing.

Through the above process, the online auction server 10 receives bids from a plurality of bid candidates, and requests the financial institution server 20 to process bidding deposit funds for the respective financial accounts of the bidders. When the auction is closed, the online auction server 10 performs auction closing and auction processing in step S38. When the auction processing is completed, the online auction server 10 requests the lock release to the financial institution server 20 in step S40, and requests an account transfer for the successful bidder's account.

The financial institution server 20 that has received the lock cancellation and account transfer request releases the bid deposit lock state of the bidder's corresponding financial account in step S42 and automatically transfers the bid deposit to the set transfer account from the corresponding financial account of the successful bidder. . In the automatic debiting process, the bid deposit deposited in the winning bidder's account is distributed at a predetermined rate and distributed to the auction provider's financial account, the online auction operator's account and the corresponding financial institution.

When the lock release and automatic debit processing is completed, the financial institution server 20 notifies the online auction server 10 of the processing result in step S44, and the online auction server 10 notified of this is notified through steps S46 and S48. Notify the bidder and the auctioneer provider of the result of the auction processing. Through the above process, when the auction processing for the auction is completed, a substantial contract is made between the auction provider and the successful bidder.

According to the online auction system described above, bidders can secure safety by depositing a bid deposit in their own account, rather than depositing a bid deposit in a separate account indicated by the online auction provider. The tender deposit remains locked until the auction is completed, so that the auction provider or the online auction operator can also be secured. As such, in the online auction, both the bidder and the online auction provider can secure stability in relation to mutual payment, thereby inducing the activation of the online auction.

Example 2

3 is a block diagram showing the overall configuration of an online shopping mall system according to a second embodiment of the present invention.

Referring to the drawings, the online shopping mall system includes an online shopping mall server 70, a financial institution server 80, a product provider server 90, and a plurality of buyer terminals 100a or 100b, which are connected to the public communication network 110. Are connected to each other online.

The public communication network 110 is a communication network including a public switched telephone network, a computer communication network such as the Internet, a wireless communication network, and the like as described above. The online shopping mall server 70 is, for example, a web server for providing an online shopping mall service through the Internet, and includes a shopping mall operating processor 72, a purchase information database 74, and a product information database 76. The online shopping mall server 70 receives the information on the product for sale from the product provider server 90 through the common communication network 110 and stores the information on the product in the product information database 76. The purchase information database 74 includes purchase information (e.g., purchaser's personal information such as the purchaser's address and social security number, financial account information including the financial account number, and the type of purchased product, purchase amount and payment processing period). Purchase related information, etc.) is stored.

The financial institution server 80 is, for example, a server for computer processing of financial services installed in financial institutions such as general banks, securities companies, insurance companies, etc., and is connected to the public communication network 110 and the financial institution computer network 120 to calculate the financial business. Perform the process. The financial institution server 80 includes a financial business process processor 82, an account information database 84, and a purchase information database 86. The financial institution server 80 is connected to the online shopping mall server 70 through the public communication network 110, receives the buyer information provided from the online shopping mall server 70, and stores the information in the purchase information database 86. The account information database 84 stores account information of the depositor. As described below, the payment processing related to the online shopping mall is performed in association with the online shopping mall server 70.

The buyer who wants to use the online shopping mall system accesses the online shopping mall server 70 through the common communication network 110 using the purchaser terminal 100a or 100b to purchase a product. The bidder terminal 100a or 100b may be a personal computer having a communication function, a wireless communication terminal capable of wireless internet, or the like, and may be configured as a communication terminal that can be connected to the online shopping mall server 70 through the common communication network 110.

4 is a flowchart illustrating a payment processing process of the online shopping mall system of FIG. 3.

Referring to the drawing, in step S50, the online shopping mall server 70 receives the sales product information from the product provider server 90 and stores it in the product information database 76. In step S52, the online shopping mall server 70 displays the corresponding product on the web. The sale product contents posted through the web are exposed to a plurality of users connected to the online shopping mall server 70 through the public communication network 110.

In step S54, the purchaser searches for a product displayed on the online shopping mall server 70 by using any one of the various types of purchaser terminals 100a and or 100b as described above, and requests the purchase of a desired product. In step S56, the online shopping mall server 70 requests the buyer terminal 100a or 100b to the bidder terminal 100a or 100b in response to the purchase request. In step S58, the purchaser provides a series of buyer information to the online shopping mall server 70 using the purchaser terminal 100a or 100b.

In operation S60, the online shopping mall server 70 stores the purchase information in the purchase information database 74 with the financial institution server 80, and the balance of the buyer's financial account exceeds the purchase amount with the financial institution server 80. Ask for confirmation. In step S62, the financial institution server 80 stores the provided purchase information in its own purchase information database 86, and checks whether the balance of the corresponding buyer's financial account exceeds the purchase amount. In operation S64, the result is provided to the online shopping mall server 70.

In operation S66, the online shopping mall server 70 notifies the purchaser terminal 100a or 100b of whether or not the purchase is possible according to the purchaser account confirmation response provided from the financial institution server 80. In other words, if the balance of the buyer's account does not exceed the purchase amount, a notification of no bidding is allowed, and if the balance of the buyer's account exceeds the purchase amount, the purchase is notified. If notified that the purchase is possible, the buyer finally confirms the purchase request in S68. Accordingly, in step S70, the online shopping mall server 70 requests a lock to the financial institution server 80 as a purchase deposit for the corresponding amount of the purchaser for the corresponding account of the buyer.

In response, the financial institution server 80 receiving the purchase deposit lock request locks the deposit amount and the transfer of the deposit amount corresponding to the purchase deposit amount in the corresponding buyer's account in step S72. In S74, the lock processing result is notified to the online shopping mall server 10. FIG. In step S76, the online shopping mall server 70 notifies the purchaser terminal 100a or 100b of the purchase request processing result.

Through the above process, the online shopping mall server 70 receives a purchase request from a plurality of buyers, and requests the financial institution server 80 to process a purchase security deposit for the corresponding financial account of each buyer.

Subsequently, in step S78, the online shopping mall server 70 requests the product delivery to the buyer corresponding to the product provider server 90 to deliver the product. The merchandise provider server 90 performs merchandise delivery processing in step S80, and notifies the online shopping mall server 70 of the merchandise delivery processing result in step S82.

When the buyer who has received the goods finally confirms the purchase of the goods or wants to return the goods after the delivery of the goods, the buyer confirms the goods purchase / return to the online shopping mall server 70 by using the online shopper terminal 100a or 100b. If the online shopping mall server 70 receives a final confirmation of the product purchase / return from the buyer, the online shopping mall server 70 finally processes the product purchase / return in step S86.

In this case, if there is no final product purchase / return request from the buyer during the designated period of time after the shipment of the product, the final purchase may be determined and automatically processed for final purchase. When there is a return decision, when the return confirmation is received from the product provider server 90 in step S88, a final return process is performed.

When the product purchase / return processing is completed, the online shopping mall server 70 requests the cancellation of the purchase deposit to the financial institution server 80 in step S90, and when the purchase processing is finally completed, the purchase price from the corresponding buyer's account. Request a wire transfer for.

The financial institution server 80 that has received the request for unlocking and transferring the account releases the purchase deposit lock state of the buyer's financial account in step S92, and if the purchase is finally confirmed, sets the purchase amount in the buyer's financial account. Automatic transfer to your bank account. In the direct debit process, the purchase amount deposited in the buyer's account is distributed at a predetermined predetermined rate and distributed to the financial provider of the commodity provider, the account of the online shopping mall operator, and the corresponding financial institution, respectively. When the lock release and direct debit processing is completed, the financial institution server 80 notifies the online shopping mall server 70 of the processing result in step S94.

According to the online shopping mall system as described above, the buyer can secure the security by depositing a purchase deposit in his or her account, rather than remitting the purchase amount to a separate account instructed by the online shopping mall provider. The purchase deposit remains locked until the purchase is completed, so that the product provider or the online shopping mall manager can also secure stability. In this way, in the online shopping mall system, both the buyer and the online shopping mall operator can secure stability related to mutual payment, thereby inducing the activation of the online shopping mall.

Although the configuration and operation of the payment processing method and system using the personal financial account in the electronic commerce according to the preferred embodiment of the present invention as described above are shown according to the above description and the drawings, these are merely described as examples. Those skilled in the art will appreciate that various changes and modifications can be made without departing from the spirit of the present invention.

According to the present invention as described above, both the customer and the e-commerce service provider in the payment process in the e-commerce payment can be secured in relation to the payment, and do not open or use a separate account for the e-commerce customer's personal account By using it, there is an effect that convenient and safe payment processing can be performed.

Claims (11)

In a payment processing system for e-commerce: A plurality of bidder terminals connected through a communication network; An online auction server for providing auction item information to the bidder terminals and receiving an online bid request received from the plurality of bidder terminals to control auction processing; Receive the bidder's financial account information from the online auction server, set a deposit corresponding to the bid deposit in the bidder's financial account according to a request of the online auction server, and set a locked state in which withdrawal and transfer of funds are prohibited; Upon receipt of the bid deposit lockout request and the successful bidder's account transfer request from the auction server, the bank account of the bidder set to the locked state is unlocked, and the bidding deposit is set in the bank account of the successful bidder. Include a financial institution server that controls the processing of direct debits to The online auction server includes: an auction product database storing auction product information; A bid information database for storing bid information including bidder personal information, bidder financial account information, bid processing period, and bid deposit information; An auction processing processor for managing the auction product database and the bidding information database and performing auction processing control; The financial institution server includes: a bidding information database for storing bidding information provided from the online auction server; An account information database that stores the account information of the depositor; And a financial business processing processor for managing the bidding information database and the account information database and controlling financial business processing and payment processing linked with the online auction server. Payment processing system. delete delete In a payment processing system for e-commerce: An online shopping mall server that provides sale product information to a plurality of buyer terminals connected through a communication network, and controls a product sale process by receiving a product purchase request received from the plurality of buyer terminals; Receive the financial account information of the bidder from the online shopping mall server, set a deposit corresponding to the purchase deposit in the buyer's financial account according to the request of the online shopping mall server in a locked state where withdrawal and account transfer are prohibited, and the online Upon receipt of a purchase deposit lock request and purchase confirmation account transfer request from the shopping mall server, the purchaser's financial account set to the locked state is unlocked, and the purchase deposit is pre-set from the purchaser's financial account. A financial institution server that controls the processing of direct debits to the account, The online shopping mall server comprises: a product information database storing product information; A purchase information database in which purchase information is stored, including purchaser identification information, buyer financial account information, purchase processing period, and purchase deposit information; A shopping mall operating processor managing the product information database and the purchase information database, and controlling an online product sales process; The financial institution server includes: a purchase information database for storing purchase information provided from the online shopping mall server; An account information database that stores the account information of the depositor; A personal financial account in the electronic commerce, characterized in that it comprises a financial business processing processor that manages the purchase information database and the account information database and controls the processing of financial business and payment processing linked to the online shopping mall server. Payment processing system. delete delete An online auction server for receiving bid request requests from a plurality of bidder terminals connected through a communication network to perform an online auction processing, and a financial institution server for controlling payment processing related to auction processing in connection with the online auction server. In the payment processing method of an electronic commerce system, Receiving a bid gaze request from the bidder terminal; Receiving bidder's personal information and financial account information from a bidder terminal having a bid gaze request; Querying, by the financial institution server, whether a deposit amount of a bidder's financial account exceeds a bid deposit; If the deposit amount of the bidder's financial account exceeds the bid security deposit, accepting and processing the bidding; Requesting a lock process to the financial institution server so that a bid deposit is withdrawn from the bank account of the bidder who has received the bidding and the transfer is prohibited; When the auction processing is completed, requesting the financial institution server to automatically close the bidder's financial account and process the automatic transfer of the bid deposit from the successful bidder's financial account to at least one transfer account specified in advance; The financial institution server unlocks the financial account of the bidder set to the locked state according to the request of the online auction server according to the completion of the auction processing, and automatically transfers the bid deposit from the successful bidder's financial account to the predetermined transfer account. A payment processing method using a personal financial account, characterized in that the processing. E-commerce including an online shopping mall server that receives purchase requests of a plurality of buyer terminals connected through a communication network and processes online product sales, and a financial institution server that performs payment processing related to product sales processing in connection with the online shopping mall server. In how the system handles payment: Receiving a product purchase request from the buyer terminal; Receiving purchaser's personal information and financial account information from a purchaser terminal having a product purchase request; Querying, by the financial institution server, whether a deposit amount of a buyer's financial account exceeds a purchase deposit; If the deposit amount of the buyer's financial account exceeds the purchase deposit, processing the purchase request; Requesting a lock process to the financial institution server to prohibit the withdrawal and transfer of a purchase deposit from the financial account of the purchaser whose purchase request has been processed; When the purchase processing is completed, requesting the financial institution server to unlock the buyer financial account, and requesting automatic payment processing of the purchase deposit to at least one transfer account specified in advance. The financial institution server unlocks the financial account of the buyer set to the locked state according to the request of the online shopping mall server according to the completion of the auction processing, and automatically transfers the purchase deposit from the financial account of the purchaser to the predetermined transfer account. A payment processing method using a personal financial account, characterized in that the. The method of claim 8, The lock state of the buyer financial account and the direct debit processing request, And optionally processing when a final confirmation of purchase of a product is received from the purchaser terminal. The method of claim 8, The lock state of the buyer financial account and the direct debit processing request, The payment processing method using a personal financial account, characterized in that the automatic processing if a specified time elapses after product delivery. The method of claim 8, The lock state of the buyer financial account and the direct debit processing request, When the request for return of goods is received from the purchaser terminal, the payment processing method using the personal finance account, characterized in that after receiving the notification of the return confirmation of the goods from the goods provider request only unlocking the locked state of the buyer financial account.