KR100777397B1 - Electronic pament method - Google Patents

Abstract

The present invention relates to an electronic payment method, and more specifically, the issuer issues an electronic certificate to the recipient, and after the expiration date of the electronic certificate, the amount of the certificate is transferred to the account of the recipient, and is received before the expiration date of the electronic certificate. When a company requests payment of an electronic certificate, the issuer setstles and pays a fee, which includes the costs to be provided to the financial institution and system provider, and the costs to be paid to the issuer. E-certificates can be easily issued with collateral for drafts, e-certificates, cash, credit, etc.Recipients can receive e-certificates based on certain collateral, easily discounted e-certificates as needed, and financial Institutions and system providers are concerned with electronic payment methods that can earn commissions from system provision.

Purchase card, electronic draft, certificate, payment

Description

Electronic payment method {ELECTRONIC PAMENT METHOD}

1 is a system configuration in an embodiment according to the present invention.

2 is a flow diagram of one embodiment according to the present invention.

*** Explanation of main parts of drawing ***

10. Server 11. Member DB

13. Payment DB 16. Set payment limit module

17. Electronic certificate issuance module 18. Payment request module

19. Fee Settlement Module 20. Settlement Payment Module

30. Network 40. Terminal

50. Bank

100. Membership registration step 110. Electronic certificate issuance request step

120. Additional security provision stage 130. Electronic certificate issuance stage

140. Recurring steps 150. Payment amount

160. Payment request stage 170. Fee settlement stage

180. Settlement payment stage

The present invention relates to an electronic payment method, and more specifically, the issuer issues an electronic certificate to the recipient, and after the expiration date of the electronic certificate, the amount of the certificate is transferred to the account of the recipient, and is received before the expiration date of the electronic certificate. When a company requests payment of an electronic certificate, the issuer setstles and pays a fee, which includes the costs to be provided to the financial institution and system provider, and the costs to be paid to the issuer. E-certificates can be easily issued with collateral for drafts, e-certificates, cash, credit, etc.Recipients can receive e-certificates based on certain collateral, easily discounted e-certificates as needed, and financial Institutions and system providers are concerned with electronic payment methods that can earn commissions from system provision.

Existing purchase cards (also known as vendor purchase cards and purchase-only cards) issue a purchase card to a trusted purchaser from a financial institution, and the supplier joins the merchant, and the supplier delivers the purchase to the purchaser. If the purchaser pays with the purchase card, the supplier can deduct a certain percentage of the prepayment fee and receive the payment, so that the supplier can raise cash early and the buyer can trust Using the same effect as the cash payment in advance, financial institutions can get commission income by paying cash in advance to suppliers.

However, the above-described conventional purchase card, the purchaser must have credit enough to issue a purchase card from a financial institution, so the company that can obtain a purchase card is extremely limited, so that only about 1 or 2 vendor of the major company You can benefit from this purchase card, but the lender's primary and secondary vendors do not actually have enough cash to pay commissions and receive payments, so pay high fees and receive cash to pay low fees. There is no need to remain in the institutional deposit account, there is a problem that the use of the purchase card is an obstacle to the activation.

In addition, the conventional electronic bill is the same as the promissory note except for processing the usual promissory notes electronically, so if the issuer makes a default, damages to the recipient will occur, and there is a risk of bankruptcy. Was higher, there was a problem that the discount itself is impossible if the credit rating falls.

The present invention is to solve the problems of the prior art as described above, the issuer issues an electronic certificate to the recipient, the certificate amount is transferred to the account of the recipient after the expiration date of the electronic certificate, before the expiration date of the electronic certificate In the event that the recipient requests payment of an electronic certificate, the issuer pays the amount of the purchase card received, by calculating and paying a fee, which includes the costs to be provided to the financial institution and system provider and the costs to be paid to the issuer. , Electronic bills, electronic certificates, cash, credit, etc. can be easily issued electronic collateral as collateral, recipients can receive electronic certificates according to certain collateral, the electronic certificates can be easily discounted as needed For example, financial institutions and system providers want to provide an electronic payment method that can increase the commission income from system provision. For that purpose.

The electronic payment method according to the present invention is a method of electronic payment using a server, a network, a terminal connected to the server through the network, a financial institution computer network connected to the network, and a financial institution. Issuing an electronic certificate to the recipient company; A payment request step in which the receiving company requests payment of the amount of any one electronic certificate; A fee settlement step of calculating and calculating a fee according to the prepayment of the amount when the request date of the payment request step is before the expiration date of the electronic certificate; Settlement payment step of paying the settlement amount excluding the amount settled in the fee settlement step to the recipient.

It is preferable to have a repeating step of repeating the step of issuing the electronic certificate issuing to the other receiving company becomes the issuer.

The security of the issuer's issuance of an electronic certificate includes any one or more of purchase card settlement received from another company, electronic bill received from another issuer, cash security, loans secured by credit sales, credit loans, etc. desirable.

In the settlement payment step, it is preferable to query the issuer for the settlement order for the collateral in the issuer's account and pay the settlement amount according to the settlement order according to the issuer's answer.

The query presents the order of payment which is most advantageous to the issuer, the answer is in the order of payment presented, and the answer is deemed to be in the order of payment presented until a certain time has elapsed. It is preferable to exclude any one of the most favorable payment order, or to arbitrarily set the payment order by the issuer.

In the step of issuing the electronic certificate, the amount, duration and fee of the electronic certificate is preferably determined by the issuer.

In the fee settlement step, part of the fee is paid to the financial institution or system provider, and part of the fee is preferably paid to the issuer.

Here, "issuing company", "recipient company" means the account, account, etc. of the financial institution account of these companies or the name of the corresponding company defined in the system according to the present invention. "Electronic certificate" is a document, an electronic document or an electronic signal which proves that there is a payment amount, a bond, or the like, or promises payment of the amount stated by the expiration date, and is similar to a conventional payment by a purchase card, electronic bill, electronic bond, and the like. In other words, the electronic bill contains the bank, issuer, issue date, expiration date, amount, etc., but the electronic bill and the electronic bill and the electronic certificate are substantially the same, although the commission rate is described in addition to the electronic bill. They differ in terms of the fee rate.
Hereinafter, the same meaning is used herein.

Hereinafter, with reference to the drawings will be described in detail. However, these drawings are for illustrative purposes only and the present invention is not limited thereto.

1 is a system diagram according to an embodiment of the present invention.

Referring to Figure 1, the present invention is composed of a server 10, a network 30, a terminal 40, a bank (50, financial institutions). The bank 50 refers to a server of a bank (financial institution) or an account of a bank (financial institution) connected to the network 30 through a bank computer network.

The server 10, member DB (11), payment DB (13), payment limit setting module (16), electronic certificate issuance module (17), payment request module (18), fee settlement module (19), payment of settlement amount Module 20.

The member DB 11 is a member of the issuer and the recipient, and the member is authorized to issue and receive electronic certificates. A company that can issue an electronic certificate may be issued a physical card in the form of a purchase card, and only a card number may be issued to make a payment using an authorized certificate on a network. It could be

The member DB 11 is preferably issued as a member even when only receiving the electronic certificate without issuing it.

The payment DB 13 is a DB in which information related to issuance of an electronic certificate is recorded and includes fields such as a contract amount, a contract date, a payment request date, a payment date, a fee, an interest rate, and a payment limit.

It is preferable that the amount of contract, contract date, and fees be determined and issued by the issuer.

The payment date is the date when the commitment was actually paid, the payment request date is the date when the recipient requested payment of the commitment, and the payment date is the date when the issuer paid the settlement or settlement fee to the recipient. The fee established at the time of issuance of the electronic certificate, which is the rate that the recipient must pay when discounting the electronic certificate.

The settlement limit is recorded by the settlement limit set by the settlement limit setting module 16.

The member DB 11 and the payment DB 13 may be integrated into a single DB as necessary or may be divided into a plurality of DBs.

The payment limit setting module 16 is a module for setting the payment limit of the issuer. The payment limit is set by evaluating the total amount of cashable goods such as cash, credit limit, purchase card payment amount, promissory note, electronic certificate, etc. deposited in the issuer's account. Other goods, except cash and credit line, are preferably calculated in cash equivalents at the time of settlement. When converting all goods into cash, it is preferable that the converted cash amount is the settlement limit.

The electronic certificate issuing module 17 provides a screen for issuing the electronic certificate to the issuer, and issues the electronic certificate according to the instructions of the issuer. The electronic certificate will be delivered electronically to the addressee. Electronic certificates are processed similarly to ordinary electronic bills or purchase card payment slips.

The payment request module 18 provides the payment request screen to the recipient when the recipient who received the electronic certificate makes a payment request as needed, and requests advance payment of the contract amount according to the instructions of the recipient.

If there is a payment request for the contract amount of the electronic certificate by the payment request module 18, the fee settlement module 19 calculates the fee for the electronic certificate. The settlement of fees is calculated based on information such as fee rate, contract date (expiration date), payment request date, payment date, etc., determined by the issuer when the electronic certificate is issued.

The settlement amount payment module 20 allows the remaining amount (the settlement amount), except for the fee settled by the commission settlement module, to be paid from the issuer's account to the recipient's account.

The server may be regarded as a financial institution when a service is provided by a financial institution, in which case the server and the financial institution are regarded as the same component.

2 is a flowchart of one embodiment according to the present invention.

Referring to Figure 2, if the issuer or the recipient is not a member, membership (100) as necessary.

The issuer requests 110 to issue an electronic certificate to the electronic settlement system according to the present invention. When the request for issuance of the electronic certificate 110 is made, the information on the recipient, contract amount, contract date, commission rate, and the like are requested. If the recipient is not a member, it can be proceeded after the recipient is registered as a member, or if necessary, an electronic certificate can be issued to the recipient who is not a member, and the recipient can be a member.

In the electronic payment system according to the present invention, if the issue amount (commitment amount) requested by the issuer exceeds the issuer's issue limit and verifies the issuer's issue limit, the issuer requests additional collateral. Provide 120.

If the issuer (contracted amount) requested by the issuer is within the issuer's issue limit, an electronic certificate will be issued.

Recipients receiving the electronic certificate may be repeated (140: repetition step) of issuing the electronic certificate or cash and other cashable goods as an issuer and issuing the electronic certificate to other recipients.

Upon receipt of the electronic certificate, the recipient receives payment 150 after the contract date (expiration date). The payment of the commitment is carried out by the transfer of the amount from the issuer's account to the recipient's account.

Recipients that receive the electronic certificate may request (160) payment of the contract amount even if the contract date (expiration date) has not passed. The payment request 160 is paid before the contract date and deducts the cost according to the fee rate set by the issuer.

The fee is settled 170 for the electronic certificate requested by the recipient. The fee is calculated based on a pre-determined fee rate by the issuer. The settlement of the fee 170 is performed by transferring from the issuer's account to the account of the electronic payment system according to the present invention or the account of a financial institution.

The fee consists of system fees, management fees, and interest preservation fees to the issuer. The system fee is provided to the system provider according to the present invention, the management fee is to the financial institution, and the interest preservation fee to the issuer is provided to the issuer. System fees and management fees are set by system providers and financial institutions. The issuer should set the commission rate in consideration of system fees, management fees, and interest preservation fees for the issuer.

Recipients are paid (180) a settlement amount deducted from the commitment. Settlement payments are performed by transferring from the issuer's account to the recipient's account.

An embodiment of the present invention according to FIGS. 1 and 2 is as follows. In the following, the system fee and the management fee are assumed to be 0.1% each month.

Case 1

When Company A receives 100 million worth of goods from Company B and pays after 3 months, and the commission rate is 0.7% per month (System fee, Management fee 0.1% each month),

Company A issued an electronic certificate subject to the following: recipient B: company B, issue date: 2007.3.1, contract date (payment date): June 1, 2007, fee: 0.7% per month. At this time, the financial institution holds a certain collateral.

Firm B needed the immediate cashing of the electronic certificate and requested immediate cashing of the electronic certificate received from Firm A.

In the electronic payment system, Company B calculated 100 million * 3 months * 0.7% = 2,100,000 as a fee to be paid by Company B, and transferred 97,900,000 won which was deducted from Company A's account to Company B's account.

Of the KRW 2,100,000 fee, KRW 1,500,000, equivalent to 0.5% per month, was paid to Company A as an interest preservation fee. The corresponding KRW 300,000 was paid to the financial institution as a management fee.

Ultimately, Company A earned interest income of W1,500,000, and Company B got a discount of 0.7% per month, and System Provider and Financial Institution earned System Fee and Management Fee of W300,000 respectively.

Case 2

When Company A receives 100 million worth of goods from Company B and pays after 3 months, and the commission rate is 0.7% per month (System fee, Management fee 0.1% each month),

Company A issued an electronic certificate subject to the following: recipient B: company B, issue date: 2007.3.1, contract date (payment date): June 1, 2007, fee: 0.7% per month. At this time, the financial institution holds a certain collateral.

Firm B did not need the immediate cashing of the electronic certificate and had an electronic certificate received from Firm A.

In 2007.5.1, Company B received 50 million won worth of goods from Company C and settled three months later. The company issued an electronic certificate with a commission rate of 0.8% per month (system fee, management fee 0.1% per month).

Company B issued an electronic certificate subject to Collateral: Electronic Certificate received from Company A, Recipient: Company C, Issue Date: 2007.5.1, Agreement Date (Payment Date): 2007.8.1, and Fee: 0.8% per month. At this time, the electronic certificate received from Firm A, which is secured by Firm B, cannot be cashed arbitrarily.

Firm C needed instant cashing of electronic certificates and requested immediate cashing of electronic certificates received from Firm A.

In the electronic payment system, the company pays 50 million won * 3 months * 0.8% = 1,200,000 won as a fee to be paid by company C. The deduction of 48,800,000 won must be transferred from company B's account to company C's account.

900,000 won, which is 0.6% of the monthly fee of 1,200,000 won, will be paid to Company B as an interest preservation fee. The equivalent of 150,000 won shall be paid to the financial institution as a management fee.

Therefore, Company B's account ultimately had to be withdrawn 49,100,000 won (50 million won-interest preservation fee 900,000 won), which required the cashing of the electronic certificate received from Company A secured in Company B's account.

The amount that Firm B has to cash out is calculated at 49,100,000 / (100% -0.7% * months), which ultimately translates to W49,446,123.

In the electronic payment system, the fee to be paid by Company B was calculated as 49,446,123 won * 1 month * 0.7% = 346,123 won.

247,231 won, which is 0.5% of the monthly fee of 346,123 won, will be paid to the Company A as an interest preservation fee. The equivalent 49,446 won shall be paid to the financial institution as a management fee.

Therefore, 49,446,123-247,231 = 49,198,892 won is withdrawn from the company A's account, and 98,892 won is paid to system providers and financial institutions as system fees and management fees, and the remaining 49,100,000 won is deposited into company B's account. Company B's account is withdrawn 49,100,000 won, of which 300,000 won is paid to system providers and financial institutions as system fees and management fees, and 48,800,000 won is deposited into company C.

Company B may receive from Company A 50,553,877 excluding 49,446,123, discounted on June 1, 2007.

Here, looking at the profit and loss of each institution,

Firm A is expected to pay W100,100,089,892 to W5,553,877 and W247,231 to be paid on 2007.5.1.

Firm B is expected to receive 50,553,877 won = 553,877 won in 2007.6.1.

Company C loses the original payments of W50,500- $ 48,800,000 = 1,200,000. However, it is a benefit compared to the discount at a higher discount rate. If the discount rate is 1% per month, the fee is 1,500,000 won in 3 months, so it is a profit of 300,000 won when receiving cash in the electronic payment system according to the present invention.

System suppliers and financial institutions generate profits of KRW150,000 + 49,446 = 1 = 199,446 for system fees and management fees, respectively.

Case 3

In Case 2, if Company B's account has other electronic certificates, purchase card payments, cash or credit security, etc., other than the 100 million won digital certificates received from Company A (ie, issue electronic certificates to Company C). If you have goods other than the electronic certificate received from Company A as collateral), Company C is required to immediately cash out the electronic certificate received (or discount) or deposit cash to Company C on the contract date. The problem arises as to which collateral from the account of A must be disposed of and deposited into Company C.

In this case, it is preferable that the cash is deposited in the account of the company C in the order in which it is most advantageous to the company B when cashing each collateral in the account of the company B.

For example, cash is the most favorable for cashing, credit mortgage would be advantageous if the interest rate borrowed from the bank is low, and the low commission rate would be most favorable for the electronic certificates that Firm B received from Firm A or other firms.

For each collateral, you can set a favorable order for cashing, present the favorable order to Firm B, and ask whether you want to proceed in the favorable order. If there is no answer from the company B, or if there is an order to proceed as is, the payment is made in an order of advantage. If there is an order from Firm B to proceed in a different form, proceed in order.

If Firm B needs to withdraw cash the next day, it may be desirable not to pay in cash. In this case, in the system according to the present invention, the company B may present an advantageous order when cashing, and may exclude collaterals that will not be used for this time. If Company B chooses to exclude any one or more of the collateral from the settlement, it shall present the Company B in a favorable order with the remainder excluding the collateral.

In some cases, the company B may arbitrarily select a payment order.

As described above, the system according to the present invention enables Company B to find the most favorable payment order.

In cases 1 through 3, a collateral equal to or greater than the amount of electronic certificates issued by any issuer must remain in the issuer's account and the cash equivalent does not exceed the total amount of electronic certificates issued by the issuer. It is preferable not to allow transfer, withdrawal, and the like. In the case of credit guarantees, the transfer or withdrawal of goods may be permitted in such a way that the conversion into cash does not exceed the total amount of electronic certificates issued by the issuer.

As can be seen in Example 1, in the electronic payment method according to the present invention, even though the company B loses, it can be seen that the discount is substantially lower than other places.

As can be seen in the case 2, the electronic payment method according to the present invention, even though the company C seems to lose money, it can be discounted at a lower cost than receiving a discount elsewhere, It can be seen that all related companies and institutions generate profits.

As described above, according to the present invention, the issuer can easily issue the electronic certificate as collateral for the purchase card price, electronic bill, electronic certificate, electronic certificate, cash, credit, etc., and the recipient company can receive the electronic certificate according to the certain collateral. It is possible to easily receive discounts on electronic certificates at low fees as needed, and financial institutions and system providers have the effect of earning commissions from system provision.

Claims (14)

In the electronic payment method using a server, a network, a terminal connected to the server through the network and a financial institution computer network connected to the network, Issuing the electronic certificate from the issuer's account to the recipient's account at the request of the terminal of the issuer; A payment request step of requesting payment of the amount of any one electronic certificate from the terminal of the recipient company to the server; A fee settlement step of calculating and calculating a fee according to a prepayment of the amount in the server when the request date of the payment request step is before the expiration date of the electronic certificate; And a settlement amount payment step in which the settlement amount, except for the fee settled in the commission settlement step, is paid to the settlement account of the receiving company through the financial institution computer network. The method of claim 1, And a repeating step of performing the electronic certificate issuing step in which the recipient becomes an issuer and an electronic certificate is issued from the terminal of the issuer to the account of another recipient. The method according to claim 1 or 2, Collateral for the issuance of the electronic certificate of the issuer, Electronic payment method, characterized in that it comprises any one or more of the purchase card payment received from other companies, electronic bills received from other issuers, cash collateral, credit loans secured by credit sales, credit loans. The method of claim 3, The settlement payment step, When the server queries the issuer for the payment order for the collateral in the issuer's account, and an answer to the payment order for the collateral is sent from the terminal of the issuer to the server, the server answers the answer. Electronic payment method characterized in that the settlement is set to be paid according to the payment order according to. The method of claim 4, wherein The query presents the most favorable payment order to the issuer, Including any one or more of the following payment order, excluding any one or more collaterals from payment, reverse the most favorable payment order, and optionally allowing the issuer to determine the payment order; , If there is no answer to the query until a predetermined time elapses, the electronic payment method characterized in that the settled payment order. The method of claim 3, In the electronic certificate issuance step, The electronic payment method, characterized in that the amount, period, and fee of the electronic certificate is determined by the issuer. The method of claim 4, wherein In the electronic certificate issuance step, Electronic payment method, characterized in that the amount, period, fees of the electronic certificate is determined by the issuer. The method of claim 5, In the electronic certificate issuance step, Electronic payment method, characterized in that the amount, period, fees of the electronic certificate is determined by the issuer. The method of claim 3, In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network. The method of claim 4, wherein In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network. The method of claim 5, In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network. The method of claim 6, In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network. The method of claim 7, wherein In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network. The method of claim 8, In the fee settlement step, Some of these fees are paid to the financial institution or system provider's account through the financial institution computer network. Some of the fees are paid to the account of the issuer through the financial institution computer network.

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