KR100737830B1 - System and Method For Processing Electronic Commercial Charge Data - Google Patents

Abstract

The present invention relates to an electronic commerce financial information processing system and method for issuing a virtual credit card for electronic commerce in an internet communication network so that it can be applied to purchase of goods or payment of utility bills.

According to the present invention, when a subscriber terminal pays a product payment price (or utility bill) purchased in an internet shopping mall by using a virtual electronic card issued by registering with an e-commerce management server, the subscriber terminal in the e-commerce management server. The payment request is made to the financial server of the designated bank account or credit card, and as a result of the request, the payment of the purchase price of the product is made to the bank account or credit card payment designated by the subscriber terminal.

Accordingly, the subscriber terminal can purchase the goods (or bills) of the bank account or credit card using a virtual electronic card issued by the electronic commerce management server without inputting the actual bank account or credit card number. Purchasing necessary goods or paying bills within an amount is made possible by a virtual electronic card.

Description

Electronic Commerce Financial Information Processing System and Method {System and Method For Processing Electronic Commercial Charge Data}

1 is a schematic diagram showing a schematic configuration of an electronic commerce financial information processing system according to the present invention;

2 is a representative block diagram of an electronic commerce financial information processing system according to the present invention;

3A and 3B are diagrams for explaining an example of a screen for issuing a virtual electronic card in the subscriber terminal shown in FIG. 2;

4 is a flowchart illustrating a process for issuing a virtual electronic card in an electronic commerce financial information processing system according to the present invention;

5 is a flowchart illustrating an electronic commerce financial settlement process by a virtual electronic card in an electronic commerce financial information processing system according to a preferred embodiment of the present invention;

6A to 6F illustrate screen display examples applied to the description of the electronic commerce financial settlement process shown in FIG. 5;

7 is a flowchart illustrating an electronic commerce financial settlement process by a virtual electronic card in an electronic commerce financial information processing system according to another embodiment of the present invention;

8A and 8B illustrate screen display examples applied to the description of the electronic commerce financial settlement process shown in FIG. 7.

* Explanation of symbols for main parts of drawings *

10; 10a to 10n: subscriber terminal, 20: Internet network,

30; 30a-30n: Internet shopping mall, 40: e-commerce management server,

50; 50a to 50n: financial server, 102: control unit,

304: server control unit, 404: main module,

406: member management database, 408: electronic card data processing unit,

410: authentication data processing unit, 412: financial settlement information database,

504: Financial settlement control unit.

The present invention relates to an electronic commerce financial information processing system applicable to an internet communication network and a method thereof, and more particularly, to issue a virtual credit card for electronic commerce in an internet communication network and apply it to purchase of goods or payment of utility bills. The present invention relates to an electronic commerce financial information processing system and a method thereof.

Recently, a plurality of client terminals (i.e., subscriber terminals) are line-connected to an information providing server that provides various information with the development of electronic and communication technology through a data communication network (i.e., an internet network). Searches or data communication networks (i.e., Internet communication networks) capable of outputting (eg downloading) search results are being actively utilized.

Such an internet communication network includes a so-called 'Internet shopping mall' which enables various types of product information to a subscriber terminal to enable electronic commerce to purchase a desired product as a form of an information providing server.

When a subscriber purchases a specific product in an Internet shopping mall where the subscriber terminal is connected for such e-commerce, processing for financial settlement of the purchase of the product is usually performed using a conventional credit card, and a cash settlement. The most common method is by way of e-money.

Among them, the cash settlement method checks the price of the product purchased by the subscriber at the Internet shopping mall, deposits the payment for the purchase of the product based on the bank account or Giro designated by the Internet shopping mall, and displays the deposit status of the operator of the Internet shopping mall. Server) confirms and delivers the desired product to the subscriber.

In addition, in the payment method using a credit card, when a subscriber inputs a membership number of a specific credit card in order to purchase a product price, the credit card company checks the membership number of the entered credit card through a normal approval process. If the normal approval is made, the purchase price is accounted for in the subscriber's credit card settlement amount as a billing amount, and the result is notified to the Internet shopping mall.

In addition, a method of using electronic money involves a process of purchasing electronic money of a predetermined amount and paying for the purchase price of the product within the amount.

However, in the case of purchasing a product in an internet shopping mall by applying a cash payment method, the subscriber checks the purchase price of the product to be purchased in the internet shopping mall and deposits the amount into the account designated by the internet shopping mall operator or pays it to the account. Since the delivery of the goods is made only by the Internet shopping mall operator, the disadvantage of this is that the subscriber is substantially delayed in receiving the goods from the point of application for the goods.

On the other hand, when a user purchases a predetermined amount of electronic money and pays for the product, the payment process is considerably cumbersome when purchasing a product more than the amount payable by the electronic money because the unit of the electronic money is relatively small. do.

In addition, in the method of paying the product price by the credit card, it is necessary to directly input the member number of the credit card owned by the subscriber and, if necessary, the password of the credit card. And passwords are externally leaked (e.g. hacked), the likelihood of illegal product purchases using the subscriber's credit card information is increased. Moreover, since the credit card is set to a much higher usable limit than electronic money, the leakage of credit card information imposes a huge economic burden on subscribers and credit card companies.

In particular, in order to block the leakage of credit card information that may occur or occur in electronic commerce and illegal e-commerce based on the leaked credit card information, Internet security companies have recently been interposed with Internet shopping malls and credit card companies. Illegal access to banks and credit card companies has been secured primarily, but subscribers need to enter credit card information directly when purchasing e-commerce with credit cards. to be.

The present invention has been made in view of the above-described prior art, and its main purpose is to request a subscriber to pay for a product purchase in an internet shopping mall by a cyber credit card virtually issued based on a bank account. It is to provide an e-commerce financial information processing system and method for enabling online payment of purchase price of goods and allowing subscribers and Internet shopping mall operators to check the payment details immediately.

Another object of the present invention is that if the user pays the purchase price at the Internet shopping mall by the cyber credit card virtually issued to the subscriber, the e-commerce product purchase price is charged to the actual credit card settlement price specified by the subscriber. To provide an e-commerce financial information processing system and method thereof.

Another object of the present invention is an electronic commerce finance for payment of the utility bill by the cyber credit card virtually issued based on the bank account or credit card to the subscriber with the utility bill payment item is set as an item of the e-commerce transaction An information processing system and its method are provided.

In order to achieve the above object, according to a first preferred embodiment of the present invention, a virtual electronic card is issued for the execution of an electronic commerce, and the request and guidance for the payment approval processing of the actual financial information by the virtual electronic card are performed. An e-commerce management server in charge of; A subscriber terminal for designating a financial settlement of an electronic commerce by the virtual electronic card issued by the electronic commerce management server; An internet shopping mall for requesting approval of payment from the electronic commerce management server for the financial expenses used by the electronic commerce with the subscriber terminal; There is provided an electronic commerce financial information processing system including a financial server for performing payment approval requested from the electronic commerce management server by designation of the subscriber terminal.

According to the first embodiment of the present invention, the electronic commerce management server includes a main module that is responsible for accepting the use of the electronic card and the financial settlement process for the financial server with the subscriber terminal, and subscriber information of the subscriber terminal. The member management database is registered, the financial settlement information database in which the information of the financial server is stored in the code form, the electronic card data processing unit for providing the payment screen data of the virtual electronic card to the subscriber terminal, and the subscriber terminal Security data for checking the accuracy of the electronic card therebetween is configured to include a registered security data processing unit.

The security data is composed of first and second security data, the first security data is a serial number uniquely assigned to the subscriber terminal, and the second security data is the first security registered in the security data processing unit. It is formed of data requesting a result of random number processing by addition or subtraction of data.

In addition, the financial server includes a bank and a credit card company opened by the subscriber.

The subscriber terminal includes a main control unit for executing the control of the electronic commerce for the Internet shopping mall and controlling the payment request of the electronic commerce for the electronic commerce management server, and the first and the first provided in the electronic commerce management server. A payment program data storage unit for storing the program related to the security data of 2, a data input unit for inputting the data regarding the virtual electronic card and the payment data of the electronic commerce, and a monitor on which the payment screen by the virtual electronic card is displayed. It will be included.

The control unit may include a control for transmitting the first security data and the random number processing result of the first security data to the electronic commerce management server in response to the first and second security data provided by the electronic commerce management server. do.

Further, the payment request by the virtual electronic card for the electronic commerce by the data input unit of the subscriber terminal includes a bank name / credit card company name for designation of the financial server.

The main control module of the electronic commerce management server may include a control for transmitting a code corresponding to the name of the financial server designated by the subscriber terminal to the financial server to make a payment.

Preferably, the virtual electronic card has a form in which it communicates through the Internet network and is linked with a bank account / credit card issued by the financial server at the time of payment.

The membership number of the virtual electronic card for the electronic commerce management server is set by either the designation by the subscriber terminal or the designation by the electronic commerce management server.

Payment by the virtual electronic card includes the purchase price and utility bills in the Internet shopping mall, the Internet shopping mall includes the billing billing destination.

Advantageously, the Internet shopping mall displays on the monitor a request for the purchase price of the subscriber's terminal to the electronic commerce management server and a response to the approval of the payment from the electronic commerce management server and based on the response. It includes a server control unit for controlling to provide the product delivery confirmation screen data to the subscriber terminal.

The financial server includes a financial settlement control unit which receives a financial server code from the electronic commerce management server and executes a bank transfer / credit card payment settlement process for the subscriber terminal and account data / credit card data of the subscriber terminal. Included authentication database.

The initial screen of the monitor of the subscriber terminal includes an icon of the electronic commerce management server.

Further, according to the second embodiment of the present invention, a subscriber terminal requests a subscriber registration request to an electronic commerce management server through an internet network, and in response to the request, the electronic commerce management server issues a virtual electronic card to the subscriber terminal. The first process; The second subscriber terminal receiving the virtual electronic card delivers a product purchase intention to the Internet shopping mall and requests the payment of the product purchase price of the subscriber terminal from the Internet shopping mall in response to the intention. process; Receiving a request for payment of a product purchase price from the Internet shopping mall, the electronic commerce management server requests the financial server registered by the subscriber terminal to approve the payment of the product purchase price and transfers the approval status to the subscriber terminal and the Internet shopping mall. A third process of doing; There is provided an electronic commerce financial information processing method comprising a fourth process in which an internet shopping mall approved for payment by the financial server receives a product delivery confirmation by the subscriber terminal and performs product delivery.

The first process includes the step of executing a connection for registering a member to the electronic commerce management server at the subscriber terminal, and a screen for issuing a virtual electronic card to the subscriber terminal at the electronic commerce management server to the connected subscriber terminal. Transmitting data; Creating screen data for issuing the virtual electronic card in the subscriber terminal and transmitting the screen data to the subscriber terminal; Generate and store member management data in the electronic commerce management server based on the screen data created by the subscriber terminal, issue the virtual electronic card to the subscriber terminal, and generate a security data generation program and the first authentication data to the subscriber terminal. It is made to transmit and store.

Preferably, the first authentication data is a serial number uniquely assigned to the subscriber terminal, and the security data generation program is provided to a random number processing program for the first authentication data.

The third process includes receiving the payment request for the product purchase price in the second process, and transmitting the first authentication data and the second authentication data to the subscriber terminal by the electronic commerce management server and requesting a response thereof; Receiving the first and second authentication data and responding to the electronic commerce management server by designating the first authentication data, the second authentication data, and the payment method; Upon confirmation of the first and second authentication data from the subscriber terminal, the financial server requests approval of the payment of the purchase price of the commodity from the financial server based on the designated payment method, and receives the response. The step of transmitting to the Internet shopping mall is made.

The second authentication data is a result of the addition or subtraction of the random number data for the first authentication data uniquely assigned to the subscriber terminal.

The designation of the payment method by the subscriber terminal is executed by inputting any one of a bank name and a name of a credit card company opened by the subscriber of the corresponding subscriber terminal in the financial server.

The first authentication data is set by the electronic commerce management server by selecting on-line and off-line schemes for the subscriber terminal.

Preferably, the internet shopping mall includes a billing billing destination, and the billing by the virtual electronic card includes billing of the billing.

In addition, the payment approval request for the financial server in the electronic commerce management server is executed based on the subscriber information of the subscriber terminal and the financial server code specified by the subscriber terminal.

According to a third embodiment of the present invention, a subscriber terminal makes a subscriber registration request to an electronic commerce management server through an internet network, and in response to the request, the electronic commerce management server issues a virtual electronic card to the subscriber terminal. 1 course; A second step of the subscriber terminal receiving the virtual electronic card requesting approval of payment of product information purchased by accessing an internet shopping mall through the electronic commerce management server; Receiving a request for payment of a product purchase price from the Internet shopping mall, the electronic commerce management server requests the financial server registered by the subscriber terminal to approve the payment of the product purchase price and transfers the approval status to the subscriber terminal and the Internet shopping mall. A third process of doing; There is provided an electronic commerce financial information processing method comprising a fourth process in which an internet shopping mall approved for payment by the financial server receives a product delivery confirmation by the subscriber terminal and performs product delivery.

Preferably, the second process includes transmitting first and second authentication data from the electronic commerce management server in response to a connection request from the subscriber terminal to the electronic commerce management server; Transmitting, by the subscriber terminal, responses of the first and second authentication data to the electronic commerce management server; Permitting access to the line connection blocker and the Internet shopping mall based on a result of confirming the transmitted first and second authentication data to execute product purchase; Requesting the electronic commerce management server for payment of the product purchase price in an internet shopping mall; In response to the request, the subscriber terminal transmits payment data of the virtual electronic card to the electronic commerce management server.

In addition, the icon of the electronic commerce management server is advantageously displayed on the initial screen of the monitor of the subscriber terminal.

More preferably, the Internet shopping mall includes a billing bill, and the payment by the virtual e-commerce includes a bill billing from the bill billing bill.

According to the electronic commerce financial information processing system and method thereof according to the present invention having the above-described configuration, the payment of the product (or utility bill) purchased by the subscriber terminal from the Internet shopping mall using a virtual electronic card issued and registered with the electronic commerce management server. The e-commerce management server requests the approval of the financial server, and as a result of the request, the payment of the product purchase price is made to the bank account or credit card payment specified by the subscriber terminal. The terminal side makes it possible to purchase a product or pay bills within a usable amount of the bank account or credit card without using the actual bank account or credit card number.

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

1 is a schematic diagram schematically showing the overall configuration of an electronic commerce financial information processing system according to the present invention.

In the figure, reference numerals 10a to 10n denote subscriber terminals including an electronic telephone capable of electronic commerce, for example, a personal computer or a so-called "web phone" or an internet telephone or a video telephone capable of video communication.

20 denotes an internet network that supports internet communication for the subscriber stations 10a to 10n.

Further, 30a to 30n represent cyber shopping malls that provide various product information for the subscriber terminals 10a to 10n to execute electronic commerce online through the Internet network 20.

40 represents an electronic commerce management server for supporting financial settlement processing for electronic commerce according to the present invention, the electronic commerce management server 40 is unique registration for subscriber terminals (10a to 10n) registered as a member A virtual electronic card (ID) to which an ID is assigned is issued to make a payment for the product price of the electronic commerce. Here, if the virtual electronic card corresponds to any bank account or credit card owned by the subscribers of the subscriber terminals 10a to 10n, the payment of the product price by the virtual electronic card is the balance or credit card of the bank account. It is possible to use as much as possible, the virtual electronic card is commonly applicable to any cyber shopping mall (30a to 30n).

In addition, 50a to 50n is a bank for approving the purchase of goods through the electronic commerce management server 40 when the subscriber terminals 10a to 10n purchase the goods in the cyber shopping malls 30a to 30n. Represents a financial server including a credit card company.

FIG. 2 is a functional block diagram illustrating an exemplary configuration of a representative subscriber terminal 10, a cyber shopping mall 30, an e-commerce management server 40, and a financial server 50 in FIG. 1.

That is, referring to FIG. 2, the subscriber terminal 10 includes a keyboard or a mouse capable of inputting data related to electronic commerce assumed by the present invention in addition to a function for normal internet communication (or data communication). Provided by the electronic commerce management server 40 under the control of the control unit 102, the control unit 102 for executing electronic commerce under the support of the data input unit 100 and the electronic commerce management program provided according to the present invention Data storage unit 104, which stores the data for electronic commerce (for example, security data) is stored, the electronic commerce program data related to the operation of the virtual electronic card that is uniquely assigned by the electronic commerce management server 40 is stored Between the cyber shopping malls 30a to 30n and the electronic commerce management server 40 via an electronic commerce program storage unit 106 and the Internet network 20. A modem 108 for communicating data for electronic commerce and a monitor 110 for displaying a screen related to electronic commerce under the control of the control unit 102 are configured.

In addition, the cyber shopping mall 30 has a communication module 302 for executing communication related to electronic commerce between the subscriber terminal 10 and the electronic commerce management server 40 via the Internet network 20, and the subscriber. The server for controlling the product payment settlement processing in connection with the electronic commerce management server 40 when the product information for electronic commerce is received to the terminal 10 and the product purchase information is received from the subscriber terminal 10. The controller 304 and the electronic commerce database 306 storing product information delivered to the subscriber terminal 10 and storing product purchase information and payment details from the subscriber terminal 10 and the server controller 304 And a monitor 308 on which a screen related to e-commerce is displayed under the control of e.g.

The electronic commerce management server 40 includes a communication control module 402 for communicating electronic commerce related data between the subscriber terminal 10, the cyber shopping mall 30, and the financial server 50, and the subscriber terminal ( A main control module 404 is issued in response to the registration request of 10) and controls a payment processing of a product purchase price by the electronic card. The main control module 404 is a member. Download the electronic commerce management program to the registered subscriber terminal 10 (or manually load the subscriber terminal 10 by the information recording medium if necessary), issue a virtual electronic card, and purchase goods by the electronic card. In response to the payment request, the purchase of the product to the financial server 50 as an approval institution corresponding to the payment method (for example, bank account, credit card or prepaid card) actually designated by the subscriber. And requesting the personal information to control the response (approval / disapproval result) to the subscriber terminal 10 and the cyber shopping mall 30 side.

In addition, the main control module 404 transmits security data (for example, first and second authentication security data) to the subscriber terminal 10 when the subscriber terminal 10 attempts to access for electronic commerce. And control to allow electronic commerce to be made online only when the first and second authentication security data are normally received from (10).

Here, the first authentication security data includes system ID data and virtual electronic card ID data, which are randomly assigned in a form concealed to the subscriber in the e-commerce management server 40 for each subscriber terminal 10, In particular, the first authentication security data of the system ID data is updated and operated based on the random number data processing rule (the addition and subtraction of specific random data) defined between the subscriber terminal 10 and the electronic commerce management server 40. In addition, the virtual electronic card ID data can be applied to a method of random number processing based on the visible member number, if necessary.

In addition, the electronic commerce management server 40 includes a member management database 406 that stores member information registered in the corresponding electronic commerce management server 40, the member information of the subscriber (name) , Address, social security number, telephone number, virtual electronic card membership number for electronic commerce, password for the electronic card, etc.).

In addition, the electronic commerce management server 40 includes an electronic card data processing unit 408 for issuing a virtual electronic card to a registered member, an exemplary configuration of the virtual electronic card shown in FIG. In the screen frame 500 of the card, a subscriber (member) name and an ID number 504 of the corresponding electronic card 500 are included. In addition, although the screen frame 500 of the electronic card shown in FIG. 3A has a rectangular shape, the screen frame 500 of the electronic card shown in FIG. 3B can be set to an oval shape or a circular shape. The form of the screen frame 500 may be applicable as security data. In addition, although the electronic card ID number shown in FIG. 3A is an example of a method of selectively inputting by the subscriber, the ID number of the electronic card shown in FIG. 3B may be arbitrarily designated and provided by the electronic commerce management server 40. Further, the expiration date 504 specified by the selection or the e-commerce management server 40 is further included.

In addition, when the electronic commerce management server 40 pays for the purchase of goods using, for example, the electronic card illustrated in FIG. 3A or 3B, actual payment means (for example, credit card, bank, etc.) associated with the electronic card is used. Information to be described later, such as an account, debit or prepaid card, includes a financial settlement information database 412 managed in association with the financial server 50.

Referring to FIG. 2, the financial server 50 includes a communication control module 502 for communicating financial settlement data with the electronic commerce management server 40 and a subscriber requested by the electronic commerce management server 40. The financial settlement control unit 504 that performs the approval processing and subsequent settlement processing for the settlement amount of the user and the bank account and / or credit card data owned by the subscriber are included to perform transaction approval processing by the financial settlement control unit 504. An authentication database 506 is included.

The operation of the electronic commerce financial information processing system according to the preferred embodiment of the present invention by the above configuration will be described.

First, in step 600 of FIG. 4, when the data input unit 100 of the subscriber terminal 10 requests online access for membership registration to the electronic commerce management server 40, the online access request for membership registration is performed by the controller. It is transmitted from the modem 108 to the electronic commerce management server 40 through the Internet network 20 under the control of 102.

Member registration online access request transmitted to the electronic commerce management server 40 is transmitted to the main control module 404 through the communication control module 402, the main control module 404 is the electronic card data processing unit 408 The member registration screen data for virtual electronic card issuance is transmitted to the subscriber station 10 through the Internet network 20 (step 602 of FIG. 4).

The member registration screen data is applied to the control unit 102 through the modem 108 of the subscriber terminal 10 through the Internet network 20, and on the monitor 110 under the control of the control unit 102. (See FIG. 3A or 3B). Based on the screen display, the subscriber prepares a membership registration form for issuing an electronic card by the data input unit 100, and the created membership registration form is transmitted from the modem 108 via the Internet network 20. It is transmitted to the electronic commerce management server 40 side (step 604 of FIG. 4).

Accordingly, the membership registration form from the subscriber terminal 10 transmitted via the Internet network 20 is applied to the main control module 404 via the communication control module 402 of the electronic commerce management server 40. Accordingly, the main control module 404 registers the personal information of the subscriber recorded in the membership registration form in the membership management database 406 and then gives the subscriber a virtual electronic card of the type illustrated in FIG. 3A or 3B. And issuing a program for generating secure data required between the subscriber terminal 10 and the electronic commerce management server 40 and the first authentication data (e.g., 2 to 4 bytes distinct from the membership number of the electronic card). Serial number) (step 606 in FIG. 4). Here, the main function of the security data generation program is a kind of communication and operation capable of responding to the instructions of the electronic commerce management server 40 in the case where a connection to the electronic commerce management server 40 is attempted from the subscriber terminal 10, for example. As a program, the calculation function is, for example, the addition or subtraction of random number data (ie, provided from the electronic commerce management server 40 side when connecting with the subscriber terminal 10) for the first authentication data of the corresponding subscriber terminal 10. Treatment is included.

When receiving the security data generation program and the first authentication data from the electronic commerce management server 40, the control unit 102 of the subscriber terminal 10 stores the security data generation program and the first authentication data in the payment program data. In the storage unit 106, a virtual electronic card is issued to the subscriber by the above process.

On the other hand, according to the present invention, the subscriber terminal 10 before or after applying for the issuance of the virtual electronic card to the electronic commerce management server 40, the financial server 50 (ie, banks and / or credit card companies), In particular, it is desirable to open at least one account (deposit account or debit / prepaid card) for electronic commerce at the bank and register the PC banking service if necessary.

In the step 602 of FIG. 4, the electronic commerce management server 40 transmits member registration screen data for issuing an electronic card to the subscriber terminal 10 online. However, the present invention is not limited thereto. The member registration screen for issuing an electronic card offline based on the information recording medium by providing the information recording medium (CD or floppy disk) to the subscriber terminal 10 side without the member being displayed on the monitor 110. When the creation of the registration screen is completed, it may be transmitted to the electronic commerce management server 40 side. In this case, the security data generation program may be included in the information recording medium, and the serial number for the information recording medium may be recorded and applied as the first authentication data.

In addition, in the case of creating a member registration screen for issuing an electronic card created at the subscriber terminal 10 in step 604, the member name 502 and the card number 504 of the electronic card illustrated in FIG. The subscriber may be selectively input directly or set arbitrarily in the electronic commerce management server 40.

In addition, in step 606, the electronic card is displayed as an icon on the initial screen of the monitor 110 of the subscriber terminal 10 so that when the icon is clicked, the electronic card is immediately connected to the electronic commerce management server 40 or an electronic commerce transaction. Only when executing the application of the scheme to be connected to the electronic commerce management server 40 is possible.

In operation 608, the access (or copy) of the secure data generation program stored in the payment program data storage unit 106 of the subscriber terminal 10 and the control unit 102 to the first authentication data is leaked. Although only possible by the request of the main module 404 of the electronic commerce management server 40 in order to enhance the security, in order to further enhance the security, the specific authorization data (that is, third authentication) in the main module 404 It is more preferable if the data is applied to the control unit 102 so that access by the control unit 102 is possible only when the main control module 404 is approved.

Referring to the flowchart illustrating the operation of the financial settlement control apparatus for electronic commerce according to the preferred embodiment of the present invention shown in Figure 5, by the input from the data input unit 110 of the subscriber terminal 10 When the control unit 102 requires a connection to the Internet shopping mall 30, the control unit 102 requests a connection to the corresponding Internet shopping mall 30 from the modem 108 via the Internet network 20. After receiving the connection request from the subscriber terminal 10 through the communication module 302 of the internet shopping mall 30, the server controller 304 receives the product information stored in the electronic commerce database 306 from the Internet. It is delivered to the subscriber station 10 through the network 20.

On the basis of the commodity information, when a commodity purchase doctor inputs the data input unit 100 of the subscriber terminal 10 (for example, selecting 'confirmation' in FIG. 6A), the commodity purchasing doctor under the control of the controller 102 From 108 to the Internet shopping mall 30 via the Internet network 20.

When the product purchase doctor is applied to the server control unit 304 via the communication module 302 of the Internet shopping mall 30, the server control unit 304 checks the product purchase intention of the subscriber terminal 10 to the Internet network ( 20, the payment processing request is made to the electronic commerce management server 40 side (step 702 of FIG. 5). In this case, the Internet shopping mall 30 also transmits the account number data for automatic transfer.

The payment processing request for the product purchase price from the Internet shopping mall 30 transmitted to the electronic commerce management server 40 is applied to the main control module 404 through the communication control module 402, and the main control module ( 404 preferentially transmits the first and second security data to the subscriber terminal 10 based on the security data generation program stored in the security data processing unit 410 (step 704 of FIG. 5). Here, the serial number is assumed as the first security data, and the random number processing result for the first security data is assumed as the second security data.

On the other hand, when the first security data is applied offline, in step 704, instead of transmitting the first and second security data, the input of the serial number and the second serial number applied offline as the first security data is performed. As the security data, the data requesting the result of the right and the right addition or subtraction of the serial number is transmitted to the subscriber station 10.

Upon receiving the request for transmission of the first and second security data from the electronic commerce management server 40, the control unit 102 of the subscriber terminal 10 receives the first security data received from the electronic commerce management server 40. Based on the program stored in the payment program data storage unit 106, random number processing result for the first security data required by the electronic commerce management server 40 (e.g., adding or subtracting random numbers to the first security data) The response is transmitted to the electronic commerce management server 40 side (step 706 of FIG. 5).

Response of the first and second security data from the subscriber terminal 10 through the communication control module 402 of the electronic commerce management server 40 via the Internet network 20 through the main control module 404 ), The main control module 404 displays the payment screen data of the virtual electronic card of FIG. 3A or 3B stored in the electronic card data processing unit 408 when the response of the first and second security data is normal. The subscriber station 10 transmits to the subscriber station 10 side (step 708 of FIG. 5).

Here, in the process of exchanging the screen data of the virtual electronic card shown in FIG. 3A or 3B, it is possible to establish an additional security function by designating the screen data of the electronic card. That is, the main control module 404 of the electronic commerce management server 40 designates the screen data of the electronic card for payment from the subscriber terminal 10, and the normal payment screen data only when the electronic card screen of the designated type is answered. It is possible to authenticate as.

Screen data of the electronic card provided from the electronic commerce management server 40 is displayed on the monitor 110 under the control of the control unit 102 of the subscriber terminal 10 (for example, see FIG. 6B), and the monitor 110. In the present invention, the payment screen data of the electronic card indicated in the) is made. In the present invention, in order to prevent the leakage of the subscriber's personal information, the bank name of the account opened by the subscriber in the financial server 50 for the payment means. You can enter only or enter the name of the credit card.

When the preparation of the payment screen of the electronic card is completed, the control unit 102 of the subscriber terminal 10 transmits the payment screen data of the created electronic card from the modem 108 through the internet network 20 to the electronic commerce. It is transmitted to the management server 40 (step 710 of FIG. 5).

When the electronic commerce management server 40 receives the electronic card payment screen data from the subscriber terminal 10, the electronic commerce management server 40 confirms the normal creation state of the electronic card payment screen, and if the subscriber is normal, the subscriber through the Internet network 40. The payment information of the subscriber of the terminal 10 (for example, the name and social security number or the name and membership number of the virtual electronic card) and the bank account data of the Internet shopping mall 30 are requested to the financial server 50 for payment processing. (Step 712 of FIG. 5). Herein, when the main module 404 of the electronic commerce management server 40 requests a payment approval process for the financial server 50, the name and resident registration number of the subscriber and the bank (or credit card company) designated by the subscriber The code number (that is, read from the financial settlement information database 412) is transmitted to the financial server 50 side.

Therefore, when the payment approval processing request from the electronic commerce management server 40 is applied to the financial server 50 corresponding to the code number through the internet network 20, the payment approval processing request is the communication control. It is applied to the financial settlement control unit 504 via the module 502, the financial settlement control unit 504 is a subscriber's account or credit based on the subscriber's name and social security number provided from the electronic commerce management server 40 By confirming the card account and confirming the approval of the approval is authorized to the electronic commerce management server 40 side.

While the payment processing is performed, the approval process of the type shown in FIG. 6C is guided on the monitor 110 (preferably, including the monitor 308 of the Internet shopping mall 30) of the subscriber terminal 10. Is displayed.

The main control module 404 of the electronic commerce management server 40 receiving the acknowledgment of the approval of the approval from the financial server 50 determines whether the payment is approved or not and the control unit 102 of the subscriber terminal 10 and the Internet. It is transmitted to the server control unit 304 side of the shopping mall 30, in particular, on the monitor 110 of the subscriber terminal 10 under the control of the control unit 102 is specified in Figure 6d (bank account Internet shopping mall 30) The payment status confirmation guide message illustrated in FIG. 6E (payment to the account) or the designated account of the Internet shopping mall 30 from the credit card is displayed, and the server control unit 304 of the Internet shopping mall 30 displays the subscriber's information. The product purchase amount payment situation is transmitted (step 718 of FIG. 7).

Therefore, when the server control unit 304 of the Internet shopping mall 30 receives the confirmation of the purchase price of the product, the guide message for confirming the product delivery illustrated in FIG. 6F, for example, is transmitted through the Internet network 20. The subscriber station 10 transmits to the subscriber station 10 (step 720 of FIG. 5).

In response to the guide message, the control unit 102 of the subscriber terminal 10 transmits the result of the product delivery confirmation screen input from the data input unit 100 to the Internet shopping mall 30 (step of FIG. 5). 722, accordingly, the Internet shopping mall 30 will deliver the goods purchased by the subscriber directly or via a courier company.

The financial server 50 purchases the product from the subscriber bank account of the subscriber terminal 10 to the account designated by the internet shopping mall 30 or the payment history of the credit card in step 724 of FIG. 5. The amount of money is billed to perform the settlement for the purchase price of goods.

Therefore, the subscriber at the subscriber terminal 10 can perform internet shopping by virtual electronic card without directly inputting the bank account number or credit card number. In particular, after purchasing a product at an Internet shopping mall using a virtual electronic card within the usable range of the credit card, the actual settlement and settlement process is performed in connection with the credit card designated by the subscriber. After purchasing a product in an internet shopping mall using an electronic card, the transfer process is actually performed in the bank account. Therefore, when the virtual electronic card according to the present invention is applied to internet shopping, the delivery of goods is performed by confirming a bank account designated by an internet shopping mall, depositing a product purchase amount, and confirming the deposit result when internet shopping. Compared to the Internet shopping method, it provides a great convenience for the Internet product buyer and the Internet shopping mall operator.

7 is a flowchart illustrating the operation of the electronic commerce financial information processing apparatus according to the second embodiment of the present invention. In the first embodiment shown in FIG. 5, the subscriber terminal 10 and the Internet shopping mall 30 are primarily In this example, the electronic commerce management server 40 is intervened at the time point where the purchase of the product is made and the product is purchased. However, the second embodiment of the present invention described in FIG. This is a case where the method of accessing the internet shopping mall 30 is applied via the commerce management server 40.

That is, referring to step 700 of FIG. 7, the icon WC for the e-commerce management server provided on the initial screen (refer to FIG. 8A) displayed on the monitor 110 of the subscriber terminal 10 is the data input unit 100. If selected by the state is transmitted to the main control module 404 of the electronic commerce management server 40 through the Internet network 20 under the control of the control unit 102.

The main control module 404 transmits the first and second security data to the subscriber terminal 10 side (step 702 of FIG. 7), and the response of the first and second security data is transmitted to the subscriber terminal 10. ) Is transmitted to the electronic commerce management server 40 side (step 704 of FIG. 7).

Therefore, the main control module 404 of the electronic commerce management server 40 determines whether the normal first and second security data are connected in step 706 of FIG. 7, and in case of abnormality, from the subscriber terminal not allowed in step 708. While the line connection is blocked by the determination of the connection intention, in the normal case, the process proceeds to step 710 of FIG. 7 and the guide list data (e.g., the figure) of the entire Internet shopping malls 30a to 30n linked to the e-commerce management server 40. 8b) is transmitted to the subscriber station 10 to be displayed on the monitor 110 under the control of the control unit 102.

In response to the display state, when the subscriber of the subscriber terminal 10 selects a specific Internet shopping mall and inputs a specific product purchase intention, the processing after step 708 of FIG. 5 (see FIGS. 6A to 6F) is performed. It is performed to relay the purchase of goods by the electronic card between the subscriber terminal 10 and the Internet shopping mall (30).

On the other hand, in the above description, the present invention has been described taking the state applied when the product purchase between the subscriber terminal 10 and the Internet shopping mall 30 as an example, the present invention is not limited to the example and the Internet shopping mall For example, the subscriber terminal 10 may be replaced with an agency that processes utilities including various taxes, credit card settlement, water / sewerage, electricity, newspaper subscription, communication, and insurance. It is also possible to execute the utility bill payment by the above-described virtual electronic card so that the payment can be made in the actually designated bank account or credit card.

In addition, the present invention is not limited to the above-described embodiments, and various changes and modifications can be made without departing from the technical gist and gist of the invention. For example, a method of issuing virtual e-cards to actually registered subscribers and using them for offline purchase of goods or payment of utility bills is also applicable. The use of such e-cards is different from the e-cards that require recharging. On the other hand, in the case of using an actual credit card, disadvantages caused by illegal use due to loss or theft can be suppressed as much as possible.

In the above example, although the subscriber of the subscriber terminal is supposed to input the identification data of the virtual electronic card, in the present invention, if the security can be secured, the subscriber terminal selects only the item of 'payment' in the Internet shopping mall. It is more preferable if the subscriber terminal side actually excludes a separate data input process by automatically making a request for approval to the financial server by the electronic commerce management server.

As described above, according to the electronic commerce financial information processing system and the method according to the present invention, a virtual electronic card linked to an actual bank account or credit card is issued to purchase goods online or offline by the electronic card. In addition, as payment of utility bills becomes possible, not only the cumbersome procedure for cash payment of the purchase price of goods by electronic commerce is simplified, but the disadvantage of personal information leakage in electronic commerce is eliminated by eliminating the need to input actual credit card information This can be restrained.

In addition, although ordinary electronic money is limited in the amount used, the virtual e-card according to the present invention purchases the product required by the subscriber as the scope of the account is extended to the practical use of the balance of the bank account or the credit card. Payment for payment (or utility bills) can be improved.

Claims (27)

An e-commerce management server for issuing virtual e-cards for execution of e-commerce and requesting and guiding the approval and processing of actual financial information by the virtual e-cards; The subscriber terminal specifying the financial settlement of the e-commerce by the virtual electronic card issued by the Internet shopping mall, and the internet shopping mall requesting the electronic commerce management server to approve the financial expenses used by the electronic commerce with the subscriber terminal. In the electronic commerce financial information processing system comprising a financial server for performing the payment approval requested from the electronic commerce management server by the designation of a terminal, The electronic commerce management server is a main control module responsible for the approval of the use of the electronic card and the financial settlement process for the financial server between the subscriber terminal, a member management database to register the subscriber information of the subscriber terminal, the financial server A financial settlement information database in which information is stored in a code form, an electronic card data processing unit providing payment screen data of the virtual electronic card to the subscriber terminal, and checking the accuracy of the electronic card between the subscriber terminal. A first security data, which is a serial number uniquely assigned to the subscriber station, and a second security data, which is data for requesting a random number processing result by the addition or subtraction of the first security data, including a registered security data processor. The subscriber terminal includes a main control unit for executing the control of the electronic commerce for the Internet shopping mall and controlling the payment request of the electronic commerce for the electronic commerce management server, and the first and the first provided in the electronic commerce management server. A payment program data storage unit for storing the program related to the security data of 2, a data input unit for inputting the data regarding the virtual electronic card and the payment data of the electronic commerce, and a monitor on which the payment screen by the virtual electronic card is displayed. Is configured to include, The Internet shopping mall displays on the monitor a request for the purchase price of the subscriber's terminal to the electronic commerce management server and a response to the approval of the approval from the electronic commerce management server and displays the response on the subscriber terminal based on the response. It is configured to include a server control unit for controlling to provide the goods delivery confirmation screen data, The financial server includes a financial settlement control unit which receives a financial server code from the electronic commerce management server and executes a bank transfer / credit card payment settlement process for the subscriber terminal and account data / credit card data of the subscriber terminal. Electronic commerce financial information processing system, characterized in that comprises a certified authentication database. delete delete The electronic commerce financial information processing system of claim 1, wherein the financial server includes a bank and a credit card company opened by the subscriber. delete The electronic commerce management server of claim 1, wherein the control unit transmits a random number processing result of the first security data and the first security data to the electronic commerce management server in response to the first and second security data provided by the electronic commerce management server. Electronic commerce financial information processing system comprising a control to transmit. The method of claim 1, wherein the payment request by the virtual electronic card for the electronic commerce by the data input unit of the subscriber terminal includes a bank name / credit card company name for designation of the financial server. E-commerce financial information processing system. 8. The terminal of claim 1, 4, 6 or 7, wherein the main module of the electronic commerce management server transmits a code corresponding to a name of a financial server designated by the subscriber terminal to the financial server. Electronic commerce financial information processing system comprising a control to transmit the payment is made. According to claim 1, wherein the virtual electronic card is an e-commerce finance, characterized in that the form of communication with the bank account / credit card issued by the financial server and the payment settlement in the form of communication through the Internet network. Information Processing System. 10. The electronic device as claimed in claim 9, wherein the member number of the virtual electronic card for the electronic commerce management server is set by one of the designation by the subscriber terminal and the designation by the electronic commerce management server. Commerce Financial Information Processing System. The electronic commerce financial information processing system of claim 1, wherein the payment price by the virtual electronic card includes a purchase price and a utility bill at the internet shopping mall, and the billing address is included in the internet shopping mall. . delete delete The electronic commerce financial information processing system according to claim 1, wherein the initial screen of the monitor of the subscriber terminal includes an icon of the electronic commerce management server. In the subscriber terminal, a subscriber registration request is made to the electronic commerce management server through an internet network, and in response to the request, the electronic commerce management server issues a virtual electronic card to the subscriber terminal. The second terminal which transmits the purchase intention of the subscriber to the internet shopping mall and requests the payment of the purchase price of the subscriber terminal to the e-commerce management server in response to the intention from the internet shopping mall; A third step of receiving the request for payment of the product purchase price of the electronic commerce management server, requesting the approval of the payment of the product purchase price to the financial server registered by the subscriber terminal and transferring the approval status to the subscriber terminal and the internet shopping mall; Internet shopping mall that has been approved for payment by the financial server In the e-commerce financial information processing method, consisting of a fourth process of obtaining a product delivery receipt by said subscriber terminal, The first process includes the step of executing a connection for registering a member to the electronic commerce management server at the subscriber terminal, and a screen for issuing a virtual electronic card to the subscriber terminal at the electronic commerce management server to the connected subscriber terminal. Transmitting data, creating screen data for issuing the virtual electronic card in the subscriber terminal and transmitting the screen data to the subscriber terminal; and managing members in the e-commerce management server based on the screen data created by the subscriber terminal. Generating and storing the data, issuing the virtual electronic card to the subscriber terminal, and a second result of the addition or subtraction of the random number data for the first authentication data and the first authentication data which is a serial number uniquely assigned to the subscriber terminal. Transmitting the authentication data to the subscriber terminal and storing the authentication data. Done, The third process includes receiving the payment request of the product purchase price in the second process, the electronic commerce management server transmitting the first authentication data and the second authentication data to the subscriber terminal and requesting a response thereof; Receiving the first and second authentication data and responding to the electronic commerce management server by specifying the first authentication data, the second authentication data, and the payment method, the first and second authentication data from the subscriber terminal; 2, upon confirmation of normal authentication data, requesting a financial server to approve payment of the purchase price of the product based on the specified payment method, receiving the response, and transmitting the result of the approval to the subscriber terminal and the Internet shopping mall. E-commerce financial information processing method characterized in that. delete delete delete delete 16. The electronic device as claimed in claim 15, wherein the designation of the payment method by the subscriber terminal is performed by inputting one of a bank name and a credit card company's name opened by the subscriber of the corresponding subscriber terminal to the financial server. How to Process Commerce Financial Information. 16. The method of claim 15, wherein the first authentication data is set by the electronic commerce management server by selecting on-line and off-line schemes for the subscriber terminal. 16. The method of claim 15, wherein the Internet shopping mall includes a billing destination, and the billing by the virtual electronic card includes billing of the billing. The electronic transaction management method according to claim 15 or 20, wherein the request for approval of the financial server from the electronic commerce management server is executed based on the subscriber information of the subscriber terminal and the financial server code designated by the subscriber terminal. How to Process Commerce Financial Information. In the subscriber terminal, a subscriber registration request is made to the electronic commerce management server through an internet network, and in response to the request, the electronic commerce management server issues a virtual electronic card to the subscriber terminal. The second terminal issuing the issued subscriber terminal accessing the internet shopping mall via the electronic commerce management server requesting approval of payment of the purchased product information, and receiving the request for payment of the goods purchase price from the internet shopping mall, the electronic commerce management The server requests the financial server registered by the subscriber terminal to approve the payment of the purchase price of the product, and transmits the approval status of the payment to the subscriber terminal and the Internet shopping mall, and the internet has been approved by the financial server. Fourth step in which a shopping mall receives a product delivery confirmation by the subscriber terminal In the e-commerce financial information processing method, consisting of, In response to the request for access to the electronic commerce management server from the subscriber terminal in the second process, the first authentication data and the first authentication data, which are serial numbers uniquely assigned to the subscriber terminal, from the electronic commerce management server. Transmitting second authentication data which is a result of the randomization data of the random number data; transmitting, by the subscriber terminal, responses of the first and second authentication data to the electronic commerce management server; and transmitting the first and second transmission data. Authorizing access to the line connection block and the Internet shopping mall based on the verification result to execute the product purchase, and requesting the electronic commerce management server from the Internet shopping mall to pay for the product purchase price; In response to the request, the subscriber terminal clears payment data of the virtual electronic card. E-commerce financial information processing method comprising the step of delivering to the management server. delete 25. The method of claim 24, wherein the icon of the electronic commerce management server is displayed on the initial screen of the monitor of the subscriber terminal. 25. The method of claim 24, wherein the Internet shopping mall includes a billing bill, and the settlement by the virtual electronic commerce includes billing bills billed by the bill billing bill.

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