KR100432430B1 - Electronic Stock Used Electronic Payment System, And That Method - Google Patents

Electronic Stock Used Electronic Payment System, And That Method Download PDF

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KR100432430B1
KR100432430B1 KR10-2002-0005993A KR20020005993A KR100432430B1 KR 100432430 B1 KR100432430 B1 KR 100432430B1 KR 20020005993 A KR20020005993 A KR 20020005993A KR 100432430 B1 KR100432430 B1 KR 100432430B1
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electronic
securities
electronic securities
payment
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KR20030065920A (en
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이효제
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이효제
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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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/363—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes with the personal data of a user
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
    • H04L9/00—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols
    • H04L9/32—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials
    • H04L9/3247—Cryptographic mechanisms or cryptographic arrangements for secret or secure communications; Network security protocols including means for verifying the identity or authority of a user of the system or for message authentication, e.g. authorization, entity authentication, data integrity or data verification, non-repudiation, key authentication or verification of credentials involving digital signatures

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Computer Security & Cryptography (AREA)
  • Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Signal Processing (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

본 발명은 전자증권을 이용한 전자지불 시스템 및 그 방법에 관한 것으로, 일정 만기에 일정 수익률로 이루어진 것을 특징으로 하는 기명식 또는 무기명식 담보형 제1전자증권, 제1전자증권의 일부 또는 전부를 통합 ·분리해 일정 만기에 일정 수익률로 이루어진 것을 특징으로 하는 무기명식 투자형 제2전자증권, 제2전자증권 또는 예치금을 요구불 예금으로 하여 일정 만기에 일정 수익률로 이루어진 것을 특징으로 하는 무기명식 지불형 제3전자증권을 생성해 이를 대금결제수단으로 하는 상기 시스템은,The present invention relates to an electronic payment system and method using electronic securities, integrated or separated part or all of the first electronic securities, the first electronic securities of the registered or bearer type, characterized in that a certain rate of return at a certain maturity. The bearer-investment-type third electronic securities, characterized in that the bearer investment-type second electronic securities, second electronic securities, or deposits are required deposits at a certain maturity, with a certain rate of return at a certain maturity. The system which generates and uses it as a payment means,

전자증권 금융네트워크와 다수의 사용자가 통신 네트워크로 상호 연결되어, 사업자(Merchant)와 사업자(Vendor)간의 결제를 담보형 제1전자증권으로 처리하는 B 2 B영역: 사업자(Vendor)와 고객(Customer)간의 결제를 지불형 제3전자증권으로 처리하는 B 2 C영역: 고객(Customer)과 고객(Customer)간 결제를 지불형 제3전자증권으로 처리하는 C 2 C영역: 투자자(Investor)와 투자자(Investor)간 결제를 투자형 제2전자증권으로 처리하는 I 2 I영역: 에 따라 다양한 결제영역을 수행한다.B2B Area: Vendor and Customer (e.g., Vendor) B 2 C area that treats payments between payments as payment-type third electronic securities: C 2 C area that treats payments between customers and customers as payment-type third electronic securities: Investors and investors It performs various payment areas according to I 2 I area, which treats inter-investor payments as investment type 2 electronic securities.

부가적으로 상기 시스템은 결제영역에 따라 다양한 방법으로 암호화되어 인증된 전자증권을 생성하고, 각 사용자의 실정에 맞춰 온라인은 물론 오프라인 상에서도 적절하게 사용할 수 있도록 전자지갑형, 선불카드형, 전자수표형, IC카드형이 전체 또는 상호 부분적으로 연계되어 이용되어질 수 있도록 다양한 결제수단을 제공함을 목적으로 한다.In addition, the system generates electronic electronic certificates that are encrypted in various ways according to the payment area, and can be used appropriately both online and offline according to each user's circumstances. It aims to provide various payment methods so that IC card type can be used in whole or in part.

상기 시스템을 이용하면, Merchant는 외상매출채권을 단기에 현금화할 수 있고, Vendor는 신용만으로 Merchant의 상품을 외상으로 구입해 판매할 수 있고, Customer는 일정 수익률을 보장하는 지불형 제3전자증권을 보유하여 대금결제에 사용함으로써 종래의 무이자부 전자화폐를 이용하는 것보다 화폐의 경제적 가치를 높일 수 있고, Investor는 투자형 제2전자증권을 매입함으로써 일정액의 투자수익을 올릴 수 있고, 금융기관은 고객의 예치금액을 지속적으로 확대하는 효과가 있다.Using this system, Merchant will be able to cash out its accounts receivable in the short term, Vendor will be able to buy and sell Merchant's merchandise on credit only with credit, and Customer will have a payable third-party electronic security that guarantees a certain rate of return. By using it for payment, it is possible to increase the economic value of money rather than using conventional interest-free electronic money.Investor can make a certain amount of return on investment by purchasing investment type 2 electronic securities, and financial institutions can It is effective to continuously increase the deposit amount.

또한 상기 시스템은 종래에 사용되고 있는 다양한 지불수단과 정산방법에 연동시켜 운용함으로써 시스템 구축비용을 대폭 절감시킬 수 있고, 결제영역에 따라 암호기법과 보안방법을 다양하게 적용시켜 전자증권의 익명성과 안전성 및 무결성을 보장함으로써 전자결제를 크게 활성화시킬 수 있다.In addition, the system can be operated in conjunction with a variety of payment methods and settlement methods used in the prior art can significantly reduce the system construction cost, by applying a variety of cryptographic techniques and security methods according to the area of payment, anonymity and safety and By ensuring integrity, electronic payments can be greatly activated.

Description

전자증권을 이용한 전자지불 시스템 및 그 방법{Electronic Stock Used Electronic Payment System, And That Method}Electronic Stock Used Electronic Payment System, And That Method}

본 발명은 전자증권을 이용한 전자지불 시스템에 관한 것으로, 특히 통신 네트워크를 이용한 전자거래와 그 거래에 수반된 대금결제의 방법에 있어서, 종래의 전자화폐와는 달리 투자가치와 유통가치가 있는 다양한 형태의 전자증권을 발행해 이를 지불수단으로 하는 전자지불 시스템 및 그 방법에 관한 것이다.BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using electronic securities, and in particular, in electronic transactions using a communication network and payment methods accompanying the transactions, unlike conventional electronic money, various forms having investment value and circulation value. The present invention relates to an electronic payment system and method for issuing electronic securities as a means of payment.

종래에 있어서, 인터넷 등 통신 네트워크를 이용해 상품을 판매하고자 하는 Vendor는, 통상적으로 Merchant로부터 미리 거액의 상품을 구입해 판매하기보다는 Customer의 주문이 있을 때마다 Merchant의 상품판매를 중계하는 중계거래 형태를 취하고 있어서, 이 때문에 Customer는 책임소재가 불명확한 배달사고를 입을 가능성이 높고, Merchant는 상품을 배달하고도 Vendor와 Customer간 대금청산 후에나 대금을 수령할 수 있고, Vendor는 사실상의 중계거래를 취하고 있어서 중개수수료 이상의 수익을 올리기 어렵다.In the related art, a vendor who wants to sell a product using a communication network such as the Internet usually takes a form of a relay transaction that relays Merchant's product sales whenever there is a customer's order rather than purchasing a large amount of goods from Merchant in advance. Because of this, the customer is more likely to suffer an unclear delivery accident, Merchant can receive the payment after the goods are cleared between the vendor and the customer even after the goods are delivered, and the vendor is in fact a broker It is hard to earn more than the fee.

이 과정에서 통상의 전자화폐를 이용한 종래의 전자지불 시스템은 Vendor와 Merchant, Vendor와 Customer간 거래시기 선후에 따라 전자화폐를 지불수단으로 각각의 대금을 청산할 수는 있어도, 장래 Vendor와 Customer간 결제에 갈음해 지불될 전자화폐를 미리 Vendor와 Merchant간 거래대금으로 시점수정 및 정산하여 지불할 수는 없으며, 상기의 Merchant가 외국기업이라면 더더욱 불가능하다.In this process, a conventional electronic payment system using ordinary electronic money can settle payments by using electronic money as a payment method, depending on the timing of the transaction between Vendor, Merchant, Vendor and Customer. The electronic money to be paid in place of is not corrected and settled in advance by the transaction amount between Vendor and Merchant, and it is even more impossible if Merchant is a foreign company.

또한 종래의 전자지불 시스템은 전자화폐를 거래에 대한 지불수단으로 사용할 수는 있어도, 투자자가 채권이나 주식을 매입해 보유함으로써 일정액의 수익을 올릴 수 있는 것과 같이 전자화폐를 새로운 투자수단으로 사용할 수는 없다.In addition, although the conventional electronic payment system can use electronic money as a means of payment for transactions, electronic money can be used as a new means of investment just as an investor can make a certain amount of profit by buying and holding bonds or shares. none.

더욱이 종래의 전자지불 시스템은, 다양한 형태의 거래방식에도 불구하고 동일한 전자화폐와 동종의 결제방법을 일관되게 사용함으로써, B 2 B영역, B 2 C영역, C 2 C영역 등 각각의 거래영역에 맞는 최선의 지불수단을 적절하게 사용하지 못할 뿐만 아니라, 전자서명, 인증, 암호알고리즘과 같은 정보보호기능을 다양하게 적용시켜 사용할 수 없는 문제점이 있다.Moreover, the conventional electronic payment system consistently uses the same electronic money and the same payment method despite various types of transactions, thereby making it possible to apply to each transaction area such as the B 2 B area, the B 2 C area, and the C 2 C area. Not only do not use the best payment method appropriately, there is a problem that can not be used to apply a variety of information protection functions such as digital signature, authentication, encryption algorithm.

이에 본 발명은 이와 같은 종래의 문제점을 해결하기 위한 것으로, B 2 B 거래에서 발생된 외상매출채권을 근거로 전자결제에 통용될 수 있는 담보형 제1전자증권을 발행하고, 다수의 제1전자증권을 통합 ·분리해 투자가치와 지불수단이 하나로 결합된 제2, 제3의 전자증권을 생성하여, 이를 이용한 전자지불 시스템을 제공하는데 그 목적이 있다.Accordingly, the present invention is to solve such a conventional problem, issuing a secured first electronic securities that can be commonly used for electronic payment based on the accounts receivables generated in B 2 B transactions, a number of first electronic The purpose of this is to provide the electronic payment system using the securities by combining and separating the securities to generate second and third electronic securities in which investment value and payment means are combined into one.

상기 목적을 달성하기 위한 본 발명의 일 양상에 따른 전자증권을 이용한 전자지불 시스템은, 시스템 운영자가 Vendor로부터 미리 신용을 공여 받아 시스템이용에 관한 상호업무약정을 하고, B 2 B 거래에서 발생된 외상매출채권을 보유하는 대신에 채무의 제공에 갈음하여 Merchant에게 컴퓨터 및 통신 네트워크를 이용해 일정만기에 일정수익이 가능한 담보형 제1전자증권을 생성해 Merchant의 계좌에 이체하는 단계; 상기 제1전자증권을 즉시 할인 ·환류하고 이를 통합 ·분리해 다시일정만기에 일정수익으로 이루어진 것을 특징으로 하는 투자형 제2전자증권을 생성해 이를 일반 투자자에게 매각하는 단계; 제2전자증권을 보유한 고객의 신용구매를 위해 제2전자증권의 만기와 수익의 범위 내에서 지불형 제3전자증권을 생성해 이를 지불수단으로 하는 단계; 를 수행함으로써 달성된다.Electronic payment system using electronic securities according to an aspect of the present invention for achieving the above object, the system operator is credited in advance from the Vendor to make a mutual business agreement on the use of the system, the trauma generated in B 2 B transactions Substituting the provision of debts instead of holding the trade receivables, generating a first secured security-type electronic securities capable of a certain amount of income at a certain date using a computer and a communication network, and transferring them to Merchant's account; Generating a second investment-type electronic securities, characterized in that the first electronic securities are immediately discounted, refunded, consolidated, separated, and reconstructed and then sold to a general investor; Generating a payment-type third electronic securities within the range of the maturity and profit of the second electronic securities for the credit purchase of the customer who owns the second electronic securities and using them as a payment means; Is accomplished by

부가적으로 전자증권을 이용한 전자지불 시스템은, 시스템 사용자에게 IC카드를 발급하여 간단한 사용자 인증만으로, 오프라인 상태에서도 전자증권을 이전시키거나 신용카드와 같이 신용구매가 가능하도록 하는데 그 목적이 있다.In addition, the electronic payment system using electronic securities, by issuing an IC card to the system user with a simple user authentication, the purpose is to transfer the electronic securities even in the offline state or to purchase a credit like a credit card.

도 1은 본 실시예의 전자증권을 이용한 전자지불 시스템의 개략구성을 나타내는 도.1 is a diagram showing a schematic configuration of an electronic payment system using the electronic security of the present embodiment.

도 2는 본 실시예의 B 2 B영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도.Fig. 2 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in area B 2 B of the present embodiment.

도 3은 본 실시예의 B 2 C영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도.Fig. 3 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the area B 2 C of this embodiment.

도 4는 본 실시예의 C 2 C영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도.Fig. 4 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the C 2 C area of the present embodiment.

도 5는 본 실시예의 I 2 I영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도.Fig. 5 is a flowchart showing a processing procedure of an electronic payment system using electronic securities in the region I 2 I of this embodiment.

＜도면의 주요부분에 대한 부호의 설명＞<Description of the code | symbol about the principal part of drawing>

S100 ; 전자증권 금융네트워크 S101 : 시스템운영자S100; Electronic Securities Financial Network S101: System Operator

S102 : 발행/금융기관 S110 : MerchantS102: Issuer / Financial Institution S110: Merchant

S120 : Vendor S140 : CustomerS120: Vendor S140: Customer

S170 : Investor S200 : 운송회사S170: Investor S200: Transport Company

S210 : 금융기관S210: Financial Institution

이하 상기의 목적을 달성하기 위한 본 발명의 바람직한 실시예를, 첨부된 도면을 참고로 상세히 설명하면 다음과 같다.Hereinafter, preferred embodiments of the present invention for achieving the above object will be described in detail with reference to the accompanying drawings.

도 1은 본 실시예의 전자증권을 이용한 전자지불 시스템의 개략구성을 나타내는 도이다.1 is a diagram showing a schematic configuration of an electronic payment system using the electronic security of the present embodiment.

도 1에 나타난 바와 같이 본 실시예의 전자증권을 이용한 전자지불 시스템은, 시스템운영자(S101), 발행/금융기관(S102), Merchant(S110), Vendor(S120, S130), Customer(S140, S150, S160), Investor(S170, S180), 운송회사(S200), 금융기관(S210, S220)을 포함하고, 각 구성요소는 컴퓨터와 전자거래를 표시하는 디스플레이 장치 및 인터넷 통신이 가능한 모뎀으로 구성된다.As shown in Figure 1, the electronic payment system using the electronic securities of the present embodiment, the system operator (S101), issuer / financial institution (S102), Merchant (S110), Vendor (S120, S130), Customer (S140, S150, S160), Investor (S170, S180), transport company (S200), financial institutions (S210, S220), each component is composed of a display device for displaying the computer and electronic transactions and a modem capable of Internet communication.

이때 시스템운영자(S101)와 발행/금융기관(S102)은 내부 전용선으로 상호 연결되어 전자증권 금융네트워크를 구축하고, Merchant(S110), Vendor(S120, S130), Customer(S140, S150, S160), Investor(S170, S180), 운송회사(S200),금융기관(S210, S220) 등은 Internet 및 휴대전화, POS단말기, ATM, PDA, 일반음성전화 등의 기타 통신수단을 포함하여 전자증권 금융네트워크에 접속된다.At this time, the system operator (S101) and the issuer / financial institution (S102) are interconnected by internal leased lines to build an electronic securities financial network, Merchant (S110), Vendor (S120, S130), Customer (S140, S150, S160), Investor (S170, S180), transportation company (S200), financial institution (S210, S220), etc. are connected to electronic securities financial network, including Internet and other communication means such as mobile phones, POS terminals, ATM, PDA, general voice phones, etc. Connected.

Merchant(S110)와 Vendor(S120)는 시스템운영자(S101) 및 발행/금융기관(S102)과 전자결제를 위한 업무협력약정 및 전자증권계좌와 일반계좌를 개설하고, Merchant(S110)의 상품을 외상으로 매입하려는 Vendor(S120)는 먼저 거래은행이나 보증보험회사 등의 금융기관(S220)에 신용공여를 요청(1)하여 신용거래한도 등의 신용정보를 제공(2)한다.Merchant (S110) and Vendor (S120) open business cooperation agreements, electronic securities accounts, and general accounts for electronic settlement with system operators (S101) and issuing / financial institutions (S102). Vendor (S120) to purchase as a first request a credit (1) to a financial institution (S220), such as a bank or guarantee insurance company (2) to provide credit information such as credit limit (2).

이에 따라 상기 신용정보를 수신한 시스템운영자(S101)는 전자증권을 이용한 전자지불 시스템의 이용을 승인(3)하고 관계정보를 발행/금융기관(S102)에게 송신(20)한다.Accordingly, the system operator (S101) receiving the credit information approves (3) the use of the electronic payment system using the electronic securities and transmits the related information to the issuing / financial institution (S102) (20).

단계 4에서 Merchant(S110)와 Vendor(S120)간 계약이 체결되면 Merchant(S110)는 운송회사(S200)에게 상품배송을 신청(5)하여 Vendor(S120)에게 상품을 인도(6)한다.When the contract between Merchant (S110) and Vendor (S120) is concluded in step 4, Merchant (S110) requests delivery of goods to the carrier (S200) (5) and delivers the goods to Vendor (S120) (6).

상기 시스템운영자(S101) 및 발행/금융기관(S102)이 Vendor(S120)와 전자결제를 위한 업무협력약정을 함에 있어서, 시스템운영자(S101) 및 발행/금융기관(S102)은 Vendor(S120)의 자산 및 부채를 종합 평가하여 신용거래한도를 설정하고, 이를 바탕으로 Vendor(S120) 명의의 담보형 제1전자증권 또는 투자형 제2전자증권을 액면가치 변동형 주식으로 발행하여 발행/금융기관(S102)에 예탁하고 일반에 상장시켜서, 신용구매와 투자수단으로 활용하게 할 수 있다.In the system operator (S101) and the issuer / financial institution (S102) to enter into a business cooperation agreement with the vendor (S120) for electronic payment, the system operator (S101) and the issuer / financial institution (S102) are determined by the vendor (S120). Comprehensive valuation of assets and liabilities establishes a credit limit, and based on this issue, issuance / financial institutions (Issuance of Vendor (S120)). S102) and publicly listed, can be used as a means of credit purchase and investment.

발행/금융기관(S102)은 Vendor(S120)의 신용정보(2)와 상기 계약단계(4)에서수신한 Merchant(S110)의 전자외상매출채권을 근거로 일정 시기에 일정수익으로 구성되는 것을 특징으로 하는 담보형 제1전자증권을 발행해 Merchant(S110)의 전자증권계좌에 상기 전자증권을 충전(7)하고, Merchant(S110)의 할인요청(8)에 따라 거래은행 계좌에 현금을 이체(9)한다.The issuing / financial institution (S102) is composed of a certain amount of revenue at a certain time based on the credit information (2) of the vendor (S120) and the electronic credit sales receivable of Merchant (S110) received in the contract step (4). Issuance of a security-type first electronic securities to the electronic bank account of Merchant (S110) (7), and transfer the cash to the bank account according to the discount request (8) of Merchant (S110) ( 9)

이때 시스템운영자(S101) 및 발행/금융기관(S102)은 전자외상매출채권을 담보형 제1전자증권으로 디지털 정보를 변경함에 있어서 편의상 상기 Merchant(S110)의 전자증권계좌에 충전하던 제1전자증권의 발행을 생략하고, 할인율을 적용하여 곧장 금융기관(S210) 계좌에 현금이체(9)를 실시할 수 있다.At this time, the system operator (S101) and the issuing / financial institution (S102) convert the electronic credit sales receivables into collateral type first electronic securities for convenience in charging the first electronic securities account of the Merchant (S110) electronic securities account. Omit the issuance, and apply the discount rate to the cash transfer 9 directly to the financial institution S210 account.

온라인 또는 오프라인에서 상기 시스템을 사용하여 외상으로 상품을 구입한 Vendor(S120)를 포함하여, Vendor(S130)는 인터넷 쇼핑몰 등 온라인 상에서 일반 Customer(S140)에게 상품을 판매(11)하고, 상기 전자증권을 이용한 전자지불 시스템운영자(S101) 및 발행/금융기관(S102)은 판매대금으로 지불(12)받은 제3전자증권을 일정시점에 Customer(S140)의 현금과 대체하여 소멸시키고 Vendor(S120)와의 신용거래를 자동으로 정산한다.Vendor (S130) sells the product to a general customer (S140) online, such as an Internet shopping mall, and the like, including a vendor (S120) who has purchased goods on-line or offline using the system. The electronic payment system operator (S101) and the issuing / financial institution (S102) use the third electronic securities received as payment (12) at a point in time to replace the cash of the customer (S140) and extinguish it with the vendor (S120). Automatically settle credit transactions.

이때 제3전자증권은, 상기 제1전자증권의 일부 또는 전부를 통합해 일정만기에 일정 수익률로 이루어진 것을 특징으로 하여 발행된 무기명식 투자형 제2전자증권을 매입한 Investor(S170, S180), 제1전자증권을 보유한 Merchant(S110), 또는 예치금을 요구불 예금으로 저축한 일반 Customer(S140)의 신용거래를 위하여, 상기 전자증권과 예치금의 한도 내에서 일정 만기에 일정 수익률로 이루어진 것을 특징으로 하는 무기명식 지불형 제3전자증권으로 발행되어, 지불수단으로 사용된다.At this time, the third electronic securities, Investor (S170, S180), the purchase of the second bearer investment type issuance, characterized in that a certain rate of return at a certain maturity by integrating part or all of the first electronic securities; 1 For the credit transaction of Merchant (S110) who holds electronic securities, or General Customer (S140) who has deposited a deposit as a demand deposit, the bearer's formula is characterized by a certain rate of return within a certain maturity within the limits of the electronic securities and the deposit. Issued as payment type 3 electronic securities and used as a payment method.

인터넷 쇼핑몰 등 온라인 상에서 일반 Customer(S140)에게 상품을 판매하는 Vendor(S120, S130)와 달리 일반 Customer(S150)도 다른 Customer(S160)와 전자거래(13)를 할 수 있고, 이 경우에 구매 Customer(S160)의 구입대금(14)으로 제3전자증권이 발행되어 시스템운영자(S101) 및 발행/금융기관(S102)에 의해 판매 Customer(S150)의 전자증권계좌에 충전(15)된다.Unlike vendors (S120, S130) that sell products to general customers (S140) online, such as Internet shopping malls, general customers (S150) can also conduct electronic transactions (13) with other customers (S160), in this case, purchase customers. As the purchase price 14 of S160, the third electronic securities are issued and charged to the electronic securities account of the sales customer S150 by the system operator S101 and the issuing / financial institution S102.

발행/금융기관(S102)은 전자외상매출채권을 기반으로 생성된 담보형 제1전자증권의 일부 또는 전부를 통합 ·분리해 투자형 제2전자증권을 발행하여 Investor(S170, S180)의 투자금융상품으로 제공하며, 상기 전자증권은 발행/금융기관(S102)의 서버에 의해 자동으로 이자와 만기가 계산되며, Investor(S170, S180)의 호가에 의해 이자와 만기가 자동으로 변경될 수 있다.The issuing / financial institution (S102) issues investment-type second electronic securities by integrating or separating some or all of the security-type first electronic securities generated on the basis of electronic credit sales receivables, thereby investing the investment in Investor (S170, S180). Provided as a commodity, the electronic securities are automatically calculated interest and maturity by the server of the issuing / financial institution (S102), the interest and maturity can be automatically changed by the quotation of the investor (S170, S180).

일반 Investor(S170, S180)는 상기 전자증권을 이용한 전자지불 시스템을 이용해, 인터넷 주식거래와 같이 제2전자증권을 팔고(16) 살(17) 수 있으며, 이에 따라 상기 시스템은 매각대금을 Investor(S170) 계좌에 이체(18)하고 전자증권을 Investor(S180) 전자증권계좌에 충전(19)한다.The general Investor (S170, S180) can use the electronic payment system using the electronic securities to sell (16) and buy (17) second electronic securities, such as Internet stock trading. S170) transfer 18 to the account and recharge the electronic securities account 19 (Investor (S180)).

도 2는 본 실시예의 B 2 B영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도이다.Fig. 2 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the area B 2 B of this embodiment.

단계 A10 Merchant 모드에서 상품을 판매하고자 하는 Merchant(S110)가 컴퓨터와 인터넷을 통해 전자증권을 이용한 전자지불 시스템운영자(S101) 승인서버에 접속하면, 상기 승인서버는 정당한 사용자인지를 인증하고 전자증권을 이용한 전자지불 시스템을 수행시킨다.Step A10 When Merchant (S110) who wants to sell the product in Merchant mode accesses the electronic payment system operator (S101) approval server using electronic securities through a computer and the Internet, the approval server authenticates whether the user is a legitimate user and checks the electronic securities. Perform the electronic payment system used.

단계 A11에서 Merchant(S110)는 전자지불 시스템을 이용해 거래상대방인 Vendor(S120)를 지정하고 계약에 필요한 판매조건을 입력한다.In step A11, Merchant (S110) designates a counterparty Vendor (S120) using an electronic payment system and inputs sales conditions necessary for the contract.

단계 A12에서 Merchant(S110)는 계약을 성립시키기 위해 Merchant(S110)의 암호키로 전자서명을 하면, 시스템운영자(S101) 승인서버는 시스템운영자(S101)의 암호키로 Merchant(S110)의 정보를 인증함과 동시에 다시 암호화하여 Vendor(S120)의 컴퓨터에 상기 계약의 디지털 정보를 송신하고, 상기 정보를 수신한 Vendor(S120)의 컴퓨터는 Vendor(S120)의 암호키로 복호화함과 동시에 다시 암호키로 전자외상매출채권의 생성을 인증하여 시스템운영자(S101) 승인서버에 전송하고, 상기 전자외상매출채권의 디지털정보를 수신한 시스템운영자(S101)의 승인서버는 발행/금융기관(S102)에 상기 정보를 송신하여, 이를 수신한 발행/금융기관(S102)의 서버는 발행/금융기관(S102)의 암호키에 의해 전자외상매출채권의 정보를 담보형 제1전자증권으로 변경한다.In step A12, if Merchant (S110) makes an electronic signature with the encryption key of Merchant (S110) to establish a contract, the system operator (S101) approval server authenticates the information of Merchant (S110) with the encryption key of system operator (S101). At the same time, the digital information of the contract is transmitted to the computer of the vendor (S120), and the computer of the vendor (S120) receiving the information is decrypted with the encryption key of the vendor (S120), and the electronic credit sales are received again with the encryption key. Authorization of the bond is transmitted to the system operator (S101) approval server, and the approval server of the system operator (S101) receiving the digital information of the electronic credit sales receivable sends the information to the issuing / financial institution (S102) The server of the issuing / financial institution (S102), which receives it, changes the information of the electronic credit sales receivable to the security-type first electronic security by the encryption key of the issuing / financial institution (S102).

이때 시스템운영자(S101) 승인서버와 발행/금융기관(S102)의 서버는 미리 정형화된 전자계약서, 전자외상매출채권, 전자증권 DB를 구축할 수 있다.At this time, the system operator (S101) approval server and the server of the issuing / financial institution (S102) may build a pre-formed electronic contract, electronic credit sales receivables, electronic securities DB.

예컨대 상기 계약에 있어서 시스템운영자(S101) 승인서버와 발행/금융기관(S102)의 서버는 각 사용자의 대금지급 시기를 장래 1개월, 3개월, 6개월, 12개월 후 가운데 하나를 선택하도록 할 수 있으며, 이에 따라 각각 1%, 4%, 7%, 15%의 고정이율을 정하여 곧장 전자외상매출채권과 제1전자증권의 일정만기와 일정 수익으로 할 수 있다.For example, in the contract, the server of the system operator (S101) and the server of the issuing / financial institution (S102) may select a payment period of each user from one month, three months, six months, or twelve months later. As a result, fixed interest rates of 1%, 4%, 7%, and 15% can be set, so that they can be directly settled to a certain maturity and a certain profit of the electronic credit sales receivable and the first electronic security.

또한 시스템운영자(S101) 승인서버와 발행/금융기관(S102)의 서버는 각 사용자에 의해 다른 시스템에서 발행된 전자어음과 전자수표의 정보와 교환에 대한 전자어음 DB를 구축하여, 상기 전자어음 및 전자수표 보유자의 할인지시에 따라 현금으로 교환하고, 교환된 전자어음과 전자수표를 통합 ·분리해 일정만기와 일정수익이 보장되는 투자형 제2전자증권을 생성할 수 있다.The server of the system operator (S101) approval server and the issuer / financial institution (S102) establishes an electronic bill DB for information and exchange of electronic bills and electronic checks issued by different users by each user, and the electronic bill and Cash can be exchanged according to the discount instruction of the electronic check holder, and the exchanged electronic bill and the electronic check can be integrated and separated to generate an investment-type second electronic security that guarantees a fixed expiration and a certain profit.

단계 A13에서 Merchant(S110)가 운송회사(S200)를 통해 상품을 인도하면, 시스템운영자(S101) 승인서버는 Merchant(S110), 운송회사(S200), Vendor(S120)로부터 상품인도에 관한 정보를 수신하여 발행/금융기관(S102) 서버에 대금지급을 지시하면, 단계 A14에서 발행/금융기관(S102) 서버는 Merchant(S110)의 계좌에 상기 제1전자증권을 충전하고, Merchant(S110)는 제1전자증권을 할인한다.If Merchant (S110) delivers the goods through the transport company (S200) in step A13, the system operator (S101) approval server receives information about the delivery of goods from Merchant (S110), the transport company (S200), and the vendor (S120). When receiving and instructing the issuer / financial institution (S102) server to pay, in step A14 the issuer / financial institution (S102) server charges the first electronic securities in the account of Merchant (S110), and Merchant (S110) Discount the first electronic security.

이때 Merchant(S110)가 수출업자일 경우에는 운송주선업자에게 선적요청서와 별도로 구매주문서/견적송장를 함께 보내고, 이를 수신한 운송주선업자가 운송서류와 보험증권 Draft를 작성하여 시스템운영자(S101)에게 송신하고, 시스템운영자(S101)는 운송서류 Draft를 운송회사(S200)에 전송하고, 운송회사(S200)가 수출화물을 인수한 후 운송서류에 전자서명을 하고 이를 시스템 운영자(S101)에 송신하고, 전자운송서류를 전송받은 시스템운영자(S101)는 구매주문서/견적송장의 일치여부를 검사한 후 전자서명이 된 운송서류와 보험증권을 Vendor(S120)와 운송회사(S200)에게 전송하고, 최종적으로 시스템운영자(S101)의 지급지시에 의해 발행/금융기관(S102)이 Merchant(S110)에게 제1전자증권을 지급한다.In this case, if Merchant (S110) is an exporter, the purchase order / quote invoice is sent to the transport agent separately from the shipping request, and the transport agent receiving the merchandise creates a transport document and an insurance policy draft, and sends it to the system operator (S101). The system operator (S101) transmits the transport document Draft to the transport company (S200), after the transport company (S200) takes over the export cargo, electronically signs the transport document and sends it to the system operator (S101), and electronic transportation After receiving the document, the system operator (S101) checks whether the purchase order / quote invoice is consistent and transmits the electronically signed transport document and insurance policy to Vendor (S120) and the transport company (S200). According to the payment instruction of S101, the issuing / financial institution S102 issues the first electronic securities to Merchant S110.

단계 A20 Vendor 모드에서 외상으로 상품을 구입하고자 하는 Vendor(S120)가컴퓨터와 인터넷을 통해 전자증권을 이용한 전자지불 시스템 운영자(S101) 승인서버에 접속하면, 상기 서버컴퓨터는 정당한 사용자인지를 인증하고 전자증권을 이용한 전자지불 시스템을 수행시킨다.In step A20 Vendor mode, when the vendor (S120), who wants to purchase goods on credit, accesses the electronic payment system operator (S101) approval server using electronic securities through a computer and the Internet, the server computer authenticates whether the user is a legitimate user. Implement an electronic payment system using securities.

단계 A21에서 Vendor(S120)는 전자지불 시스템을 이용해 거래상대방인 Merchant(S110)를 지정하고 계약에 필요한 구매조건을 입력한다.In step A21, the vendor (S120) designates a counterparty Merchant (S110) using the electronic payment system and inputs a purchase condition necessary for the contract.

단계 A22에서 Vendor(S120)는 계약을 성립시키기 위해 Vendor(S120)의 암호키로 전자서명을 하면, 시스템운영자(S101) 승인서버는 시스템운영자(S101)의 암호키로 Vendor(S120)의 정보를 인증함과 동시에 다시 암호화하여 Merchant(S110)의 컴퓨터에 상기 계약의 디지털 정보를 송신하고, 상기 정보를 수신한 Merchant(S110)의 컴퓨터는 Merchant(S110)의 암호키로 복호화함과 동시에 다시 암호키로 전자외상매출채권을 생성하여 시스템운영자(S101) 승인서버에 전송하고, 상기 전자외상매출채권의 디지털 정보를 수신한 시스템 운영자(S101)의 승인서버는 발행/금융기관(S102)에 상기 정보를 송신하여, 이를 수신한 발행/금융기관(S102)의 서버는 발행/금융기관(S102)의 암호키에 의해 전자외상매출채권의 정보를 담보형 제1전자증권으로 변경한다.In step A22, if the vendor (S120) makes an electronic signature with the encryption key of the vendor (S120) to establish a contract, the system operator (S101) approval server authenticates the information of the vendor (S120) with the encryption key of the system operator (S101). At the same time, the digital information of the contract is transmitted to the computer of Merchant (S110), and the computer of Merchant (S110), which has received the information, decrypts with the encryption key of Merchant (S110), and at the same time, sends out the electronic trauma with the encryption key. After generating a bond and transmitting it to the system operator (S101) approval server, and receiving the digital information of the electronic credit sales receivables, the approval server of the system operator (S101) sends the information to the issuing / financial institution (S102), this The server of the issued issuing / financial institution S102 changes the information of the electronic credit sales receivable into the security-type first electronic security by the encryption key of the issuing / financial institution S102.

이때 시스템운영자(S101) 승인서버와 발행/금융기관(S102)의 서버는 위 A22 단계와 Merchant 모드 A12 단계를 동시에 또는 순차적으로 처리하되 전자계약서와 전자외상매출채권 및 제1전자증권이 이중으로 생성되지 않도록 각기 일련번호를 부여하고 상기 디지털 정보에 관한 전자증권DB를 통합 관리한다.At this time, the system operator (S101) approval server and the server of the issuing / financial institution (S102) process the above step A22 and Merchant mode A12 step simultaneously or sequentially, but the electronic contract, the EPA, and the first electronic securities are created in duplicate. Each serial number is assigned so that the electronic security DB regarding the digital information is integrated and managed.

또한 시스템운영자(S101) 승인서버와 발행/금융기관(S102)의 서버는 전자계약서와 전자외상매출채권 및 제1전자증권을 암호화함에 있어서, 구체적인 계약내용에 대해서는 블라인드 서명으로 처리함으로써 Merchant(S110)와 Vendor(S120)의 프라이버시를 보호할 수 있다.In addition, the system operator (S101) approval server and the server of the issuing / financial institution (S102) encrypt the electronic contract, the electronic credit account receivable and the first electronic securities. And privacy of the vendor (S120) can be protected.

단계 A23에서 시스템운영자(S101) 승인서버가 제1전자증권을 발행하여 Merchant(S110)의 계좌에 충전하기에 앞서, Vendor(S120)의 신용을 파악하여 전자증권을 이용한 신용구입을 승인하면, 단계 A14에서 Vendor(S120)는 운송회사(S200)를 통해 상품을 수령한다.In step A23, before the system operator (S101) approval server issues the first electronic securities and charges the account of Merchant (S110), if the credit of the vendor (S120) is grasped to approve the purchase of credit using the electronic securities, step At A14, the vendor S120 receives the goods through the transportation company S200.

도 3은 본 실시예의 B 2 C영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도이다.Fig. 3 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the area B 2 C of this embodiment.

단계 B10 Vendor 모드에서 인터넷 쇼핑몰 홈페이지에서 상품을 판매하고자 하는 Vendor(S130)가 컴퓨터와 인터넷을 통해 상품을 판매(B11)하고 인도(B12)함에 있어서, 상기 상품을 구입한 Customer(S140)가 결제대금 지불방법으로서 전자증권을 이용한 전자지불 시스템을 선택하면, 시스템운영자(S101) 승인서버는 Vendor의 정보를 갱신하고 등록하는 Vendor정보 데이터베이스를 로드해, Vendor(S130)가 접속한 것을 인식하고 상기 거래정보를 자동 추출하여 전자증권을 이용한 전자지불 시스템을 수행시킨다.In step B10 Vendor mode, a vendor (S130) who wants to sell a product on the Internet shopping mall homepage sells the product through a computer and the Internet (B11) and delivers the product (B12). When the electronic payment system using electronic securities is selected as the payment method, the system operator (S101) approval server loads a vendor information database for updating and registering the vendor information, and recognizes that the vendor (S130) is connected to the transaction information. Automatically extract and perform electronic payment system using electronic securities.

단계 B13에서 시스템운영자(S101)에 의해 발행/금융기관(S102)은 Customer(S140)로부터 판매대금을 수령하여 Vendor(S130)의 계좌에 이체시키고, 단계 B14에서 시스템운영자(S101)와 발행/금융기관(S102)은 도 2 A14 단계에서 Vendor(S120)를 대신해 지불한 제1전자증권의 할인비용을 정산한다.In step B13, the issuing / financial institution (S102) receives the payment from the customer (S140) by the system operator (S101) and transfers it to the account of the vendor (S130) .In step B14, the issuing / financing with the system operator (S101) is issued. The agency S102 calculates the discounted cost of the first electronic securities paid on behalf of the vendor S120 in step A14 of FIG. 2.

단계 B20 Customer 모드에서 인터넷 쇼핑몰 홈페이지에서 상품을 구입하고자 하는 Customer(S140)가 컴퓨터와 인터넷을 통해 상품을 구매(B21)하고 수령(B22)함에 있어서, 결제대금 지불방법으로서 전자증권을 이용한 전자지불 시스템을 선택하여 제3전자증권을 지불수단으로 지시(B23)하면, 시스템 운영자(S101) 승인서버는 Customer의 정보를 갱신하고 등록하는 Customer정보 데이터베이스를 로드해, Customer(S140)가 접속한 것을 인식하고 상기 거래정보를 자동 추출하여 전자증권을 이용한 전자지불 시스템을 수행시킨다.Step B20 In the customer mode, when a customer (S140) who wants to purchase a product on the Internet shopping mall homepage purchases (B21) and receives (B22) the product through a computer and the Internet, an electronic payment system using electronic securities as a payment method. If the user selects and instructs the third electronic security as a payment method (B23), the system operator (S101) approval server loads a customer information database for updating and registering the customer's information and recognizes that the customer (S140) is connected. The transaction information is automatically extracted to perform an electronic payment system using electronic securities.

이때 시스템운영자(S101) 승인서버는 발행/금융기관(S102)이 Customer(S140)에게 발급한 IC카드의 번호만으로도 Customer(S140)가 접속한 것을 인식하고, 카드 비밀번호에 의해 결제를 승인할 수 있다.At this time, the system operator (S101) approval server may recognize that the customer (S140) is connected only by the number of the IC card issued by the issuing / financial institution (S102) to the customer (S140), and may approve payment by the card password. .

발행/금융기관(S102)이 Customer(S140)의 신용을 평가해 일정한도의 신용구매를 승인한 IC카드를 발급함에 있어서, 상기 IC카드는 일반 신용카드 기능은 물론 일반 은행계좌와 연동되어 일반 화폐의 입출금이 가능하고, 선불형 전자증권이 미리 내장되어 교통카드 기능으로도 사용할 수 있도록 스마트 카드로 발급되어 질 수 있다.When the issuing / financial institution (S102) issues an IC card that approves a certain amount of credit purchase by evaluating the credit of the customer (S140), the IC card is linked to a general credit card function as well as a general bank account. Withdrawal and withdrawal is possible, and pre-paid electronic securities are pre-built and can be issued as a smart card for use as a transportation card function.

단계 B24에서 시스템운영자(S101)에 의해 발행/금융기관(S102)은 Customer(S140)의 신용한도 내에서 상기 구매대금을 Vendor(S130)의 계좌에 이체시킨다.In step B24, the issuance / financial institution S102 by the system operator S101 transfers the purchase price to the account of the vendor S130 within the credit limit of the customer S140.

도 4는 본 실시예의 C 2 C영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도이다.Fig. 4 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the C 2 C area of the present embodiment.

단계 C10 판매Customer 모드에서 인터넷 쇼핑몰 홈페이지에서 상품을 판매하고자 하는 Customer(S150)가 컴퓨터와 인터넷을 통해 상품을 판매(C11)하고 인도(C12)함에 있어서, 상기 상품을 구입한 Customer(S160)가 결제대금 지불방법으로서 전자증권을 이용한 전자지불 시스템을 선택하면, 시스템 운영자(S101) 승인서버는 Customer의 정보를 갱신하고 등록하는 Customer정보 데이터베이스를 로드해, Customer(S150)가 접속한 것을 인식하고 상기 거래정보를 자동 추출하여 전자증권을 이용한 전자지불 시스템을 수행시킨다.In step C10, the customer (S150) who wants to sell the product on the Internet shopping mall homepage sells the product through the computer and the Internet (C11) and delivers the product (C12). When the electronic payment system using electronic securities is selected as the payment method, the system operator (S101) approval server loads a customer information database that updates and registers the customer's information, and recognizes that the customer (S150) is connected to the transaction. The information is automatically extracted to perform an electronic payment system using electronic securities.

단계 C13에서 시스템운영자(S101) 승인서버에 의해 발행/금융기관(S102)서버는 Customer(S160)의 계좌에서 제3전자증권을 감하여 Customer(S150)의 계좌에 이체시키고, 단계 C14에서 시스템운영자(S101) 승인서버와 발행/금융기관(S102)서버는 Customer(S150)에 의해 상기 제3전자증권을 현금으로 할인한다.In step C13, the issuing / financial institution (S102) server by the system operator (S101) approval server subtracts the third electronic securities from the account of the customer (S160) and transfers it to the account of the customer (S150), and in step C14, the system operator ( S101) The approval server and the issuing / financial institution (S102) server discount the cash by the customer (S150).

단계 C20 구매Customer 모드에서 인터넷 쇼핑몰 홈페이지에서 상품을 구입하고자 하는 Customer(S160)가 컴퓨터와 인터넷을 통해 상품을 구매(C21)하고 수령(C22)함에 있어서, 결제대금 지불방법으로서 전자증권을 이용한 전자지불 시스템을 선택하여 제3전자증권을 지불수단으로 지시하면, 시스템운영자(S101) 승인서버는 Customer의 정보를 갱신하고 등록하는 Customer 정보 데이터베이스를 로드해, Customer(S160)가 접속한 것을 인식하고 전자증권을 이용한 전자지불 시스템을 수행시켜 발행/금융기관(S102) 서버로 하여금 Customer(S160)의 신용한도 내에서 상기 구매대금으로 제3전자증권을 발행하여 Customer(S160)의 계좌에 이체시킨다.In step C20, the customer (S160) who wants to purchase the product on the Internet shopping mall homepage in the purchase mode (C21) purchases the product through the computer and the Internet (C21) and receives the product (C22). When the system is selected and the third electronic securities are instructed as a payment method, the system operator (S101) approval server loads a customer information database that updates and registers the customer's information, and recognizes that the customer (S160) is connected to the electronic securities. By executing the electronic payment system using the issuing / financial institution (S102) server issues a third electronic securities with the purchase price within the credit limit of the customer (S160) and transfers it to the account of the customer (S160).

단계 C24에서 Customer(S160)는 제3전자증권 비용에 해당하는 금액을 일정기간 내에 현금으로 대체한다.In step C24, Customer (S160) replaces the amount corresponding to the cost of the third electronic security with cash within a predetermined period.

발행/금융기관(S102) 서버는 일정기간이 지났음에도 Customer(S160)가 현금으로 대체하지 않을 경우, Customer(S160)가 보유하고 있는 제2전자증권을 자동 매각하여 결제에 충당할 수 있다.The issuer / financial institution (S102) server may automatically sell the second electronic securities held by the customer (S160) to cover the payment if the customer (S160) does not replace the cash even after a certain period of time has passed.

Customer(S160) 뿐만 아니라 일반 사용자도 제3전자증권을 현금으로 구입해 보유할 수 있으며 발행/금융기관(S102) 서버는 이때의 전자증권을 계좌이체에 의한 잔고관리방식으로 발행하는 것이 아니라 각 사용자에게 자유롭게 이전할 수 있는 전자수표 또는 전자코인방식으로 암호화하여 발행할 수 있다.In addition to customers (S160), general users can also purchase and hold third-party electronic securities in cash, and the issuing / financial institution (S102) server does not issue the electronic securities at the time of balance management by account transfer to each user. Encrypted and issued by electronic check or electronic coin method that can be freely transferred.

전자수표 또는 전자코인방식으로 발행되는 제3전자증권은 Customer(S160)의 지급지시에 따라 시스템운영자(S101)의 전자서명과 발행/금융기관(S102)의 암호키만으로 생성되고 Customer(S150)의 암호키로 환류되도록 하여 Customer(S160)의 익명성을 보장할 수 있다.The third electronic securities issued by electronic check or electronic coin method is generated only by the electronic signature of the system operator (S101) and the encryption key of the issuing / financial institution (S102) according to the payment instruction of the customer (S160). It is possible to ensure the anonymity of the customer (S160) by being returned to the encryption key.

도 5는 본 실시예의 I 2 I영역에 있어서 전자증권을 이용한 전자지불 시스템의 처리절차를 나타내는 흐름도이다.Fig. 5 is a flowchart showing the processing procedure of the electronic payment system using electronic securities in the region I 2 I of this embodiment.

단계 D10 매각Investor 모드에서 제2전자증권을 매각하거나 할인하고자 하는 Investor(S170)가 통신수단을 통해, 전자증권을 이용한 전자지불 시스템에 접속하면, 시스템운영자(S101)는 Investor(S170)가 접속한 것을 인식한다.Step D10 Investor Mode When the Investor (S170) who wants to sell or discount the second electronic securities, accesses the electronic payment system using the electronic securities through a communication means, the system operator (S101) accesses the investor (S170). Recognize that.

단계 D11에서 Investor(S170)가 제2전자증권 매각을 지시하면 시스템운영자(S101)에 의해 발행/금융기관(S102) 서버는 제2전자증권을 분류하여 기억하고 갱신하는 제2전자증권정보 데이터베이스를 로드해, 기 설정된 전자증권종류에 관한 식별정보 및 매매수량, 1주당 금액, 만기 등의 전자증권 데이터를 Investor(S180)에게 열람시켜 매각하고, 단계 D12에서 발행/금융기관(S102) 서버는 Investor(S170)의 계좌에서 상기 제2전자증권을 환류하여 소멸(D13)시키고 단계 D14에서 현금으로 Investor(S170)의 계좌에 이체시킨다.In step D11, when the investor S170 instructs the sale of the second electronic securities, the system operator S101 issues the second electronic securities information database to classify, store and update the second electronic securities. Load, view and sell electronic securities data such as identification information and quantity of purchase, amount per share, and maturity, etc. to the Investor S180, and issue / financial institution S102 server in step D12. The second electronic securities are refluxed and extinguished (D13) in the account (S170) and transferred to the account of the investor (S170) by cash in step D14.

단계 D20 매입Investor 모드에서 제2전자증권을 매입하고자하는 Investor(S180)가 통신수단을 통해, 전자증권을 이용한 전자지불 시스템에 접속하면, 시스템운영자(S101)는 Investor(S180)가 접속한 것을 인식한다.In step D20 purchase Investor mode, when the investor (S180) who wants to purchase the second electronic securities accesses the electronic payment system using the electronic securities through a communication means, the system operator (S101) recognizes that the investor (S180) is connected. do.

단계 D21에서 Investor(S180)는 발행/금융기관(S102) 서버를 통해 발행가능한 전자증권종류에 관한 식별정보 및 매매수량, 1주당 금액, 만기 등의 전자증권 데이터를 열람하여 특정 제2전자증권 매입을 지시하면, 단계 D22에서 발행/금융기관(S102) 서버는 Investor(S180)의 계좌에 상기 제2전자증권을 발행하여 충전(D23)시키고 매입비용에 해당하는 현금을 감한다.In step D21, the Investor (S180) reads the electronic securities data such as identification information and quantity of purchase, amount per share, and maturity of the electronic securities that can be issued through the issuing / financial institution (S102) server to purchase a specific second electronic securities. In the step D22, the issuing / financial institution (S102) server issues the second electronic securities to the account of the investor (S180), recharges (D23), and subtracts the cash corresponding to the purchase cost.

이때 제2전자증권은 발행/금융기관(S102)에 의해 Investor(S170)와 Investor(S180)의 전자증권계좌에 잔고관리방식으로 생성되어, 종래의 사이버주식거래처럼 제2전자증권은 매수와 매도주문으로 거래가 성립되고 이전된다.At this time, the second electronic securities are generated by the issuer / financial institution (S102) in the balance of the electronic securities accounts of the Investor (S170) and Investor (S180), and the second electronic securities are bought and sold as in the conventional cyber equity transaction. The transaction is established and transferred to the order.

I 2 I 영역에 있어서 제2전자증권 매매방식은 일반 주식거래와 같이 일반음성전화로도 처리할 수 있으며, 이때 발행/금융기관(S102)은 제2전자증권을 근거로 발행된 제3전자증권이 있을 경우에는 제3전자증권의 범위 내에서 제2전자증권의 거래를 제한할 수 있다.In the I 2 I area, the second electronic securities trading method can be handled by a general voice telephone like general stock trading, and the issuing / financial institution (S102) is the third electronic securities issued based on the second electronic securities. In this case, transactions of the second electronic securities may be restricted within the scope of the third electronic securities.

이상 설명한 바와 같이, 본 실시예의 전자증권을 이용한 전자지불 시스템에 의하면, 사업자(Merchant)와 사업자(Vendor)간 거래에서 발생된 외상매출채권에 대한 채무의 해소와 관련해, 일정 만기와 일정 수익이 보장되는 것을 특징으로 하는 담보형 제1전자증권을 발행하여 담보수단으로 사용하고, 사업자(Vendor)와 고객(Customer)간 및 고객(Customer)과 고객(Customer)간 거래에서 발생된 채권과 채무의 해소와 관련해서는, 일정 만기와 일정 수익이 보장되는 것을 특징으로 하는 지불형 제3전자증권을 발행하여 지불수단으로 사용하고, 상기 담보형 제1전자증권을 근거로 일정 만기와 일정 수익이 보장되는 것을 특징으로 하는 투자형 제2전자증권을 발행하여 전자증권 투자자(Investor)의 투자수단으로 활용함으로써, 상기 제1전자증권은 담보능력이 부족한 사업자(Vendor)의 신용을 확대해 기업의 구매력을 증대시키는 효과가 있으며, 상기 제2전자증권은 하나의 투자 금융상품으로 다시 유통되어 은행은 예금의 유치를 확대할 수 있고 인터넷에서의 물품구입을 꺼리는 일반 투자자도 인터넷 시장에 투자하게 하여 전자거래를 대폭 활성화시킬 수 있으며, 상기 지불형 제3전자증권은 인터넷 시장에서 화폐공급량을 증대시키고 통화속도를 높이는 전자화폐로서의 효과가 있다.As described above, according to the electronic payment system using the electronic securities of the present embodiment, a certain maturity and a certain profit are guaranteed with respect to resolving the debt on the credit sales receivable generated in the transaction between Merchant and Vendor. Issuance of collateral-type first electronic securities, characterized in that it is used as collateral means, resolving bonds and liabilities arising from transactions between the operator (Vendor) and customers (Customer) and customers (Customer) In this regard, it is possible to issue a payment-type third electronic securities, characterized in that a certain amount of maturity and a certain profit is guaranteed, and to use it as a means of payment, and that a certain amount of maturity and a certain profit are guaranteed based on the security-type first electronic securities. By issuing investment-type second electronic securities and using them as a means of investment for an electronic securities investor, the first electronic securities have a lack of collateral. It is effective to increase the purchasing power of the company by expanding the credit of or), and the second electronic securities are distributed again as an investment financial product, so that banks can increase the attracting of deposits and are reluctant to purchase goods on the Internet. Investors can also activate the electronic transactions by investing in the Internet market, the payment-type third electronic security is effective as an electronic money to increase the money supply and speed up the currency in the Internet market.

부가적으로 전자증권을 발행하는 금융기관은 상기 전자증권 보유자에게 마이크로 컴퓨터 칩이 포함된 전자증권 IC카드를 발급하여, 신용카드와 할부금융에 이어 제3의 신용수단으로 사용할 수 있으며, 상기 담보형 전자증권 신용카드의 특성상 일반 신용카드에서 볼 수 있는 까드깡을 미연에 방지할 수 있는 효과가 있다.Additionally, a financial institution that issues electronic securities may issue electronic securities IC cards containing microcomputer chips to the electronic securities holders, which may be used as a third credit means following credit cards and installment financing. Due to the nature of electronic credit cards, it is possible to prevent card cans found in ordinary credit cards.

Claims (6)

사용자(S110, S120, S130, S140, S150, S160, S170, S180, S200)의 전자증권 등록 및 인증과 사용자간 전자거래 DB를 구축하여 관리하는 시스템운영자(S101) 승인서버와,System operator (S101) approval server for establishing and managing electronic securities registration and authentication of users (S110, S120, S130, S140, S150, S160, S170, S180, S200) and electronic transaction DB between users, 상기 시스템운영자(S101) 승인서버와 내부 전용선으로 상호 연결되어 전자증권 금융네트워크를 구성하는 발행/금융기관(S102) 서버와,Issuing / financial institution (S102) server interconnected by the system operator (S101) approval server and the internal private line to form an electronic securities financial network, 상기 발행/금융기관(S102)으로부터 전자증권을 수시로 입출금할 수 있는 전자증권 통장이 개설된 사용자(S110, S120, S130, S140, S150, S160, S170, S180) 컴퓨터와,A user (S110, S120, S130, S140, S150, S160, S170, S180) computer that has an electronic bankbook for depositing and withdrawing electronic securities from the issuing / financial institution (S102) at any time; 사용자(S110, S120, S130, S140, S150, S160)간 거래상품을 배송하는 운송회사(S200) 컴퓨터가 인터넷 등 통신 네트워크로 상호 연계 구성되며,The carrier (S200) computer that delivers the goods between the users (S110, S120, S130, S140, S150, S160) is configured to interconnect with a communication network, such as the Internet, 상기 발행/금융기관(S102) 서버가;The issuing / financial institution (S102) server; 전자증권을 통합 ·분류하여 기억하고 갱신하는 전자증권계좌를 구축하여 상기 시스템운영자(S101) 승인서버로부터 사용자(S110, S120, S130, S140, S150, S160, S170, S180)간 전자거래정보를 수신하고, 상기 사용자(S110, S120)간 거래에서 발생된 외상매출채권을 보유하는 대신에 채무의 제공에 갈음하여 사업자(S110)의 전자증권계좌에 일정만기에 일정수익이 이루어진 것을 특징으로 하는 담보형 제1전자증권을 생성해 이체하고;Receive electronic transaction information between users (S110, S120, S130, S140, S150, S160, S170, S180) from the system operator (S101) approval server by building an electronic securities account that integrates, classifies, stores and updates electronic securities. And, instead of holding the accounts receivables generated in the transactions between the users (S110, S120) in lieu of providing the debt, a certain amount of profits made on a certain maturity in the electronic securities account of the operator (S110) Create and transfer the first electronic securities; 상기 제1전자증권을 현금으로 대체하여 즉시 할인 ·환류하고 다시 이를 통합 ·분리해서 일정만기에 일정수익으로 이루어진 것을 특징으로 하는 투자형 제2전자증권을 생성하여 일반 투자자(S170, S180)의 매도 및 매수주문에 따라 이를 매매하여 이체하고;Selling the general investor (S170, S180) by generating a second investment-type electronic securities, characterized in that by replacing the first electronic securities with cash, immediately discounted and refunded, and then consolidated and separated, and made a certain profit at a certain maturity. And buy and sell it according to the purchase order; 상기 제2전자증권을 보유한 사용자(S110, S120, S130, S140, S150, S160, S170, S180)의 신용구매지시에 따라 상기 제2전자증권의 만기와 수익의 범위내에서 지불형 제3전자증권을 생성하여 이를 이체하는 것; 을 특징으로 하는 전자증권을 이용한 전자지불 시스템.Payment-type third electronic securities within the range of the maturity and profit of the second electronic securities according to the credit purchase instruction of the user (S110, S120, S130, S140, S150, S160, S170, S180) holding the second electronic securities; Creating and transferring it; Electronic payment system using electronic securities, characterized in that. 제 1항에 있어서, 상기 담보형 제1전자증권은 기업간 거래에서 발생된 전자계약서 및 전자외상매출채권의 디지털 정보를 시스템운영자(S101) 승인서버와 발행/금융기관(S102) 서버의 블라인드 서명으로 암호화되어 변경 ·생성되고, 투자형 제2전자증권은 사용자의 전자증권계좌에 잔고관리방식의 네트워크형으로 발행되어 충전되고, 지불형 제3전자증권은 제2전자증권 보유자의 지급지시에 따라 시스템운영자(S101) 승인서버와 발행/금융기관(S102) 서버의 전자서명으로 발행되어 사용자의 암호키에 의해 환류되는 것을 특징으로 하는 전자증권을 이용한 전자지불 시스템.The method of claim 1, wherein the secured first electronic securities are digitally signed by the system operator (S101) and the issuing / financial institution (S102) server by digital information of the electronic contract and electronic credit sales receivable generated in the intercompany transaction. The investment-type second electronic securities are issued and charged in the network type of the balance management method in the user's electronic securities account, and the payment-type third electronic securities are subject to the payment instructions of the holders of the second electronic securities. System operator (S101) Electronic payment system using an electronic securities, characterized in that it is issued by the electronic signature of the approval server and the issuing / financial institution (S102) server is returned by the user's encryption key. 제 1항에 있어서, 상기 투자형 제2전자증권은 다른 시스템에 의해 발행된 전자어음과 전자수표를 보유한 사용자의 할인지시에 따라 발행/금융기관(S102) 서버가 현금으로 자동 할인 ·교환하고, 교환된 전자어음과 전자수표를 통합 ·분리해일정만기와 일정수익으로 구성된 투자형 제2전자증권으로 생성되는 것을 더 포함하는 것을 특징으로 하는 전자증권을 이용한 전자지불 시스템.According to claim 1, The investment-type second electronic securities are automatically discounted and exchanged in cash by the issuing / financial institution (S102) server according to the discount instruction of the user holding electronic bills and electronic checks issued by other systems, The electronic payment system using electronic securities, characterized in that the electronic bills and electronic checks are exchanged and separated to generate an investment-type second electronic securities consisting of a schedule expiration and a certain profit. 제 1항에 있어서, 상기 담보형 제1전자증권 및 투자형 제2전자증권은 시스템운영자(S101) 및 발행/금융기관(S102)이 미리 사용자(S120)의 자산 및 부채를 종합 평가하여 신용거래한도를 설정하고, 이를 바탕으로 발행/금융기관(S102) 서버가 위 전자증권을 사용자(S120) 명의의 액면가치 변동형 자산담보부 전자주식으로 발행하여 유통되는 것을 더 포함하는 것을 특징으로 하는 전자증권을 이용한 전자지불 시스템.According to claim 1, wherein the secured first electronic securities and investment-type second electronic securities, the system operator (S101) and the issuing / financial institution (S102) in advance evaluates the assets and liabilities of the user (S120) in advance credit transactions Set the limit, and based on this, the issuing / financial institution (S102) server is the electronic securities, characterized in that it further comprises issuing the electronic securities issued in the form of variable face value variable asset security electronic shares of the user (S120) Electronic payment system using. 사용자(S110, S120, S130, S140, S150, S160, S170, S180, S200)의 컴퓨터가 전자증권의 등록 및 인증과 사용자간 전자거래를 관리하는 시스템운영자(S101) 승인서버와, 상기 시스템운영자(S101) 승인서버와 내부 전용선으로 상호 연결되어 전자증권 금융네트워크를 구성하는 발행/금융기관(S102) 서버에 통신 네트워크로 연결되어, 상기 발행/금융기관(S102)으로부터 전자증권을 수시로 입출금할 수 있는 전자증권 통장을 개설하여 전자증권을 생성하고 이를 지불수단으로 하는 것을 특징으로 하는 전자증권을 이용한 전자지불 방법에 있어서,The computer of the user (S110, S120, S130, S140, S150, S160, S170, S180, S200), the system operator (S101) approval server that manages the registration and authentication of electronic securities and electronic transactions between users, and the system operator ( S101) connected to the issuing / financial institution (S102) server, which is interconnected by an approval server and an internal private line, and constitutes an electronic securities financial network, by means of a communication network, which can deposit and withdraw electronic securities from the issuing / financial institution (S102) at any time. In the electronic payment method using an electronic securities, characterized in that the electronic securities are created by opening an electronic securities account book as a payment method, 상기 시스템운영자(S101) 및 발행/금융기관(S102)으로부터 일정한도의 신용거래를 인증받은 매입 사업자(S120)가 매출 사업자(S110)와 전자계약서를 작성하여 시스템운영자(S101) 승인서버에 송신하고, 상기 전자거래정보를 수신한 시스템운영자(S101) 승인서버의 인증에 의해 발행/금융기관(S102) 서버는 상기 사업자간 거래에서 발생된 외상매출채권을 보유하는 대신에 채무의 제공에 갈음하여 매출 사업자(S110)의 전자증권 계좌에 일정만기에 일정수익이 이루어진 것을 특징으로 하는 담보형 제1전자증권을 생성해 이체하는 단계:The purchase operator (S120), which has received a certain degree of credit transaction from the system operator (S101) and the issuer / financial institution (S102), prepares an electronic contract with the sales operator (S110) and sends it to the system operator (S101) approval server. By the authentication of the system operator (S101) approval server that has received the electronic transaction information, the issuing / financial institution (S102) server is sold in exchange for the provision of debt instead of holding the accounts receivable generated in the transaction between the operators. Step of generating and transferring the security-type first electronic security, characterized in that a certain profit is made in a certain maturity in the electronic security account of the operator (S110): 상기 발행/금융기관(S102) 서버가 담보형 제1전자증권을 현금으로 대체하여 즉시 할인 ·환류하고 이를 다시 통합 ·분리해서 일정만기에 일정수익으로 이루어진 것을 특징으로 하는 투자형 제2전자증권을 생성하여 일반 투자자(S170, S180)의 매도 및 매수주문에 따라 이를 매매하는 단계:The issuing / financial institution (S102) server replaces the security-type first electronic securities with cash and immediately discounts and returns them, consolidates and separates them again, and generates the investment-type second electronic securities, which are made in a certain period of time. Creating and trading them according to the sell and buy orders of general investors (S170, S180): 상기 발행/금융기관(S102) 서버가 투자형 제2전자증권을 보유한 사용자(S110, S120, S130, S140, S150, S160, S170, S180)의 신용구매지시와 시스템 운영자(S101) 승인서버의 인증에 따라 상기 투자형 제2전자증권의 만기와 수익의 범위 내에서 지불형 제3전자증권을 생성하여 이를 결제수단으로 하는 단계; 를 포함하는 것을 특징으로 하는 전자증권을 이용한 전자지불 방법.Credit issuance of the user (S110, S120, S130, S140, S150, S160, S170, S180) that the issuing / financial institution (S102) server holding the investment-type second electronic security and authentication of the system operator (S101) approval server Generating a payment-type third electronic securities within the range of the maturity and profit of the investment-type second electronic securities and using the payment method as a payment means; Electronic payment method using an electronic security, comprising a. 제 5항에 있어서, 상기 사용자(S110, S120, S130, S140, S150, S160, S170, S180)는 Internet 및 휴대전화, POS단말기, ATM, PDA, 일반음성전화 등의 통신수단을 포함하여 전자증권 금융네트워크에 접속되고, 상기 발행/금융기관(S102) 서버가 위 통신수단과 연동되어 전자증권 보유자에게 미리 발급되어진 전자증권 IC카드의 카드번호와 비밀번호를 수신하여, 선불로 충전된 제3전자증권을 결제수단으로 사용하고, 제2전자증권 또는 신용한도의 범위 내에서 신용결제수단으로 사용하는 것을더 포함하는 것을 특징으로 하는 전자증권을 이용한 전자지불 방법.According to claim 5, The user (S110, S120, S130, S140, S150, S160, S170, S180) is an electronic securities including communication means such as Internet and mobile phones, POS terminals, ATM, PDA, general voice telephone, etc. A third electronic securities connected to a financial network, the issuing / financial institution (S102) server interlocked with the above communication means to receive the card number and password of the electronic securities IC card previously issued to the electronic securities holder and charged in advance; Using as a payment means, and using as an electronic payment method within the range of the second electronic securities or credit limit.
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