KR100800087B1 - Account Payment System and Method thereof - Google Patents

Abstract

In the present invention, when a bank account or a deposit-only account is used for input / output (deposit, withdrawal) or when an identification item is included in the amount remitted by the purchaser of the product, the present invention recognizes a withdrawal or transfers money to the seller. The present invention relates to a method and a system for account trading that allows a seller to withdraw a payment when the buyer does not allow it and the buyer must release the second transfer (secondary authentication).

The main configuration of the present invention provides a remittance item when the bank server transfers to a commonly used bank account, so that the depositor seller can use the deposit amount when the buyer or general remitter of the product meets certain conditions at the time of deposit. A remittance management module which manages to be able to; A remitter management module for managing information on the buyer or remitter who has deposited when the buyer or remitter of the product deposits the seller's account using a remittance item; Set up a second authorization from the buyer or the sender to release the transfer, or in the absence of a second authorization, to enable the seller to withdraw the funds deposited into the account using the funds transfer item. A payment management module for managing a setting of a predetermined period; A charge return management module for notifying the seller of the chargeback request when the buyer or the remitter requests the return of the money deposited as an additional remittance item to the seller's account and returning the charge when the seller notice is received; And it characterized in that it comprises a control module for controlling each module.

Remittance, subscription fee, account payment, refund of subscription fee, e-commerce, household account transfer, cancellation of remittance,

Description

Account payment system and method

1 is a schematic diagram of an account trading system according to the present invention;

Figure 2 is a detailed block diagram of a bank server according to the present invention.

Figure 3 is a flow chart for the account transaction method according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: seller 200: buyer

300: bank server 302: money account management module

304: remittance management module 306: remitter management module

308: payment management module 310: payment return management module

312: control module 214: transferable account

In the present invention, when a bank account or a deposit-only account is used for input / output (deposit, withdrawal) or when an identification item is included in the amount remitted by the purchaser of the product, the present invention recognizes a withdrawal or transfers money to the seller. The present invention relates to a method and a system for account trading that allows a seller to withdraw a payment when the buyer does not allow it and the buyer must release the second transfer (secondary authentication).

In general, transaction fees are often caused by sellers or buyers of goods, or in transactions such as real estate and services due to refunds or non-payment.

In order to prevent such payment, the first ESCROW trading protection device has the purpose of delivering fairness by the third party acting as an intermediary between the plate and the buyer, but the plate and the buyer should join as a member. The complicated process of purchase, approval, refund, etc., and the high cost of commission, and importantly, there is a limit to increase the activation because the seller's sales are tied up from 5 to 20 days in third party brokerage. This is a problem that can be applied after the transaction is wrong or because it can be a waste of time or burden on the insurance of the seller.

Lastly, it is a post-paid system, which means that unilateral damages of the seller can be caused by the buyer's unreasonable remorse or false purchase attempts, and should be relied on collection. Nevertheless, the law announced that operators who sell items worth more than 100,000 won from April 2006 will be obliged to select and sell one of the three. In the process, the Fair Trade Commission and Consumer Protection Association I had several public hearings on my back, but some issues were raised. Firstly, the government must intervene even with the purchase price of buyers and buyers. Second, the procedures of the purchase and purchase process are too complicated. Nevertheless, I decided to implement it from the beginning of 2006, but there was a risk of contraction, so I decided not to apply less than 100,000 won, and it is still an unstable transaction for some items because special items such as goods cannot be applied. On the whole, whether all these situations can be developed properly, whether or not any side effects will occur after full-scale implementation, or if the system continues to contract, whether or not it will continue to be the case then, and if the escrow's PG operator is involved, Trading stocks become third parties, where the issue of how and where to set the standards of third-party trust (which market has recently been reported to cause problems) remains a challenge, and this system is already built up with considerable trust. Do not need carriers Or it will not be out-weighted the burden of fees.

The object of the present invention devised to solve the above-mentioned conventional problems is to recognize withdrawal or account to the seller when the identification item is included in the amount of money sent by the buyer of the goods, even though using a normal bank account The present invention provides an account trading method and system that allows the seller to withdraw the payment only after the transfer is not allowed, but the buyer must release the remittance (secondary authentication).

It is another object of the present invention to stop the provision to the seller for a certain period of time when the purchaser deposits the goods while using the deposit and withdrawal bank account that is commonly used, and after a period of time without the objection of the seller after the buyer applies for a refund It is to provide an account payment system and a transaction method that can be automatically refunded to the buyer to guarantee a refund.

In order to achieve the above object, the system of the present invention purchases goods from sellers and sellers who sell various products through on-line commerce or off-line through communication networks such as the Internet, home shopping, and telemarketers, and accounts to the sellers. In the general account transaction system consisting of a bank server that opens a bank and provides a deposit to the seller when the purchase price of the goods of the buyer is deposited in the account, the bank server transfers money to the bank account used in general A remittance management module for providing an item so that a depositor seller can use the amount deposited when a buyer or general remitter of the product meets a predetermined condition at the time of deposit; A remitter management module for managing information on the deposited buyer or remitter when the purchaser or remitter of the product deposits the seller's account using a remittance item; You can set up a second authorization (buyer release) from the buyer or the sender to allow the seller to withdraw the funds deposited into your account using the funds transfer item, or you can use the funds deposited in the absence of a second authorization. A payment management module for managing setting of a certain period of time; A charge return management module for notifying the seller of the chargeback request when the buyer or the remitter requests the return of the money deposited as a provisional item in the seller's account and returning the charge when the seller notice is received; And it characterized in that it comprises a control module for controlling each module.

In addition, the account transaction method using the account transaction system sets a condition in which the account holder can use the money deposited in the seller's account only when a certain condition is met by the buyer or general remitter of the product in the bank server. Providing a remittance item; Selecting a remittance item when the buyer directly visits a wired / wireless internet, a telephone, or a bank and deposits the money in the seller's account; Seller checks the amount deposited in the payment account, and delivers the goods agreed with the buyer; After receiving the goods, the buyer checks whether there is a problem and fulfills the contract. If there is no problem, the buyer connects to the bank server and makes a second approval for the seller to use the amount remitted to the seller's account. Release); And when the second approval of the buyer is completed, characterized in that it comprises a step that the seller can use.

Hereinafter, with reference to the accompanying drawings looks at in detail with respect to the account settlement system and method of the present invention.

1 is a schematic diagram of an account payment system according to the present invention, FIG. 2 is a detailed block diagram of a bank server according to the present invention, and FIG. 3 is a flowchart of an account payment method according to the present invention.

As shown in FIG. 1, the account settlement system of the present invention purchases a product from a seller 100 and a seller 100 who sells various goods through a communication network such as the Internet, home shopping, and a teller market, and pays a purchase price. While managing the bank accounts of the buyer 200 and the seller 100 to confirm that the payment of the goods payment of the buyer 200, the condition is attached to the payment of the deposit and can be used by the seller 100 when the conditions are satisfied. Bank server 300 to release the conditions so that.

Looking in detail with respect to the bank server with reference to Figure 2, the bank server 300, the bank account management module 302, the remittance management module 304, the remitter management module 306, payment management module 308, return the payment It includes a management module 310, the control module 312.

The payment account management module 302 organizes and manages a bank account or a subscription-only account that the seller can freely withdraw and withdraw.

The remittance management module 304 typically provides the remittance item 316 to a bank account used for deposit and withdrawal so that the seller can use the deposited payment only when certain conditions are met by the buyer or general remitter of the product. Manage it.

On the other hand, in case of depositing money using internet or ATM, you can click on the item of sending money. # It is more convenient to use identification items such as 000.

In addition, the terms of the remittance may include a second approval by the purchaser or remitter of the goods, or when a certain period of time has passed after the deposit. In addition, when a buyer or remitter of a product requests a refund using a provisional remittance item, a condition is set such that there is a seller's approval (cancellation of subscription fee) or a refund is made only after a certain period of time has elapsed.

The remitter management module 306 manages the information about the remitter 200 or the remitter when the purchaser 200 or the remitter of the product deposits the seller's account 314 using the remittance item 316. Such information about the purchaser 200 or the remitter is used to verify whether the refunder is true when refunding, and the information about the buyer or remitter may use personal information such as name, telephone number or social security number, or the amount deposited by the seller. And a second authentication means for authenticating.

The payment management module 308 sets up a second approval from the purchaser 200 or the remitter, or the second payment, so that the seller 100 can withdraw the amount deposited in the account 314 using the remittance item 316. If there is no approval, the seller manages the set period of time that the deposit amount can be used. That is, if the buyer of the product is notified of the unique second approval set by the user after receiving the goods, the payment management module 308 checks the authenticity of the second authentication and the remittance state so that the seller can use the amount deposited. Release (Secondary authentication). Also, in order to prevent the seller from using the deposited amount forever, unless the buyer has a second authorization, the consignment status must be set so that the seller can use the deposited amount after a certain period of transfer, such as a week or two weeks. Release it. The period of such remittances is, in principle, set by the buyer, but may be set by the seller in agreement with the buyer.

When the purchaser 200 or the remitter requests the return of the money deposited as a provisional item in the seller's account 314, the payment return management module 310 notifies the seller 100 of the chargeback request, and the seller 100 When there is a notice of), the price is returned. Such a buyer's request for return is, in principle, only during a confinement period when the amount of money deposited by the seller cannot be used, and after the return request, the amount of money cannot be used by the seller even after the set-up period for the seller has elapsed. In addition, when a buyer requests a refund, it is refunded when the conditions of the seller's approval, etc. are satisfied, and a certain return period is set, such as one week or two weeks, to prevent the seller from returning forever unless the seller agrees. It can be set up to automatically return the amount of money deposited to the buyer.

Finally, the control module 312 controls the data flow in each module.

Hereinafter, the transaction accounting method of the present invention will be described in detail with reference to the accompanying flowchart. As illustrated in FIG. 3, the seller 100 of the product freely deposits freely in a bank in order to receive payment of the product. An openable account 314 is opened (step S301). At this time, if the seller already has a billing account, it is of course possible to use the existing billing account as it is.

On the other hand, the bank server 300 is a transfer remittance item that sets the conditions that the seller as a depositor can use the money deposited in the seller's account 314 only when a certain condition is met when the buyer or the general remitter of the product is deposited 316) (step S302). These deposits can be used by clicking on the icon of 'transfer money' or 'subscription fee' when depositing using the Internet or ATM. *. # It would be more convenient to use an identifier such as 000. For example, if your account number is (13) -832358-576-5932, it would be more convenient to remember the number 13 in parentheses as the number that represents your key.

In addition, the terms of remittance shall be mediated between the means or the purchaser of the product which is automatically released when there is a second approval by the buyer or remitter of the goods (release of remittance) or after a certain period of time has passed under the agreement of both parties. Such as cancellation by confirmation of completion of delivery by a third party or a courier.

In addition, when a purchaser or a remitter of a product requests a refund using a provisional remittance item, a condition is set such that a refund can be made only after approval of the seller or when a certain period (both agreement periods) have passed.

When a contract of a product, service, or the like is agreed between the seller 100 of the product and the buyer 200, when the buyer 200 directly visits the wired / wireless internet, a telephone, or a bank and deposits the money in the seller's account 314, After selecting a remittance item (step S303), if a refund request is not made within a certain period of time, after setting a refund period such as 5 days and 10 days, which are periods in which the seller 100 can process the deposit amount (step S304), Money is sent (step S305).

The seller 100 confirms the subscription fee deposited in his account, and delivers the product agreed with the buyer 200 (step S306).

The buyer 200 who received the product checks whether there is an abnormality of the product and whether the transaction contract is fulfilled (step S307). If there is no error, the buyer 200 connects to the bank server and sends the amount remitted to the seller's payment account 314. Secondary approval (deferred remittance) for use by 100 (step S308). For example, when accessing a bank server through the Internet or an ATM, a second approval can be made using a consignment section or a subscription section, and in the case of a telephone call in advance, such as 832358-576-5932- (13). Secondary approval can be made using the set number.

On the other hand, if the purchase price of the goods remitted to the account 314, and the buyer 200 who received the goods does not approve the second use for the seller 100 through the bank server, the refund period set at the time of deposit is After elapsed, the seller 100 may automatically use the deposited amount (steps S309 and S310).

When the purchaser 200 requests the return of the money paid in the provisional transfer by accessing the bank server 300 on the basis of a defect or a violation of the purchase condition for the product provided from the seller 100 (step S311) The bank server 300 notifies the seller 100 of the return request from the buyer 200 (step S312). At this time, the buyer registers his bank account as a return account.

After confirming that the merchandise 100 has been returned from the buyer 200, the seller 100 finally confirms that the seller 100 can receive a refund of the subscription fee through the bank server 300 (step S313). In this case, when the deposit is made through the bankbook, the refund can be made by the bankbook.

Accordingly, the bank server 300 refunds the amount deposited in the return account registered by the buyer 200.

On the other hand, if the seller 100 has not received the information about the return request of the buyer 200 from the bank server 300, the bank server 300 automatically sends to the buyer 200 after a certain period of time has passed. Refund the amount deposited in the payment account 314 through the provisional transfer (steps S314, S315).

In addition, when the purchaser 200 purchases the price of the product purchased in the account 314 through the transfer payment, the seller 100 converts the amount deposited in the payment account 314 into the purchase price or another connection of another continuity product. You may want to use it as the settlement value of a contract. At this time, since the amount deposited as a provisional remittance in the account 314 is available conditionally, it can also be used only when the remittance is transferred to another payment account using only the provisional remittance. It is advisable to set the refund period or the second approval period to take effect later than the conditions set in the senior consignment to avoid affecting this.

As described above, the account settlement system of the present invention does not allow the seller to immediately transfer the price (transmittance) of the goods to the seller while using the bank account input and output. The purchaser who confirms the completion of the remittance must be released to complete the payment, and the seller and the remittance that the buyer remitted cannot be refunded without the seller's permission. There is the biggest advantage to doing a direct deal.

In addition, if the buyer deposits the goods while using the usual deposit and withdrawal bank account, it will be stopped from being provided to the seller for a certain period of time. Refunds can be guaranteed to ensure a safe transaction for buyers of goods, so it is inexpensive and simple even in the process of brokering third parties, which makes it easy to secure many users.

In addition, the seller of the merchandise can transfer the amount of the remitted money to the other account as a remittance, so that the commerce can be maintained continuously, there is an advantage that can continue to rotate the funds leading to the commerce.

Claims (9)

Purchase goods from sellers and sellers who sell various goods through on-line commerce or off-line through communication networks such as internet, home shopping, and telemarketer, open an account to the seller and deposit the price of the buyer's goods in the account. In the normal account transaction system consisting of a bank server for providing a deposit to the seller, The bank server A remittance management module for providing a remittance item when remitting to a commonly used bank transaction account so that a depositor seller can use the deposited amount when a certain condition is satisfied when a buyer or a general remitter of a product is deposited; A remitter management module for managing information on the deposited buyer or remitter when the buyer or remitter of the product deposits the seller's account using a remittance item; You can set up a second authorization (buyer release) from the buyer or the sender to allow the seller to withdraw the funds deposited into your account using the funds transfer item, or you can use the funds deposited in the absence of a second authorization. A payment management module for managing setting of a provisional remittance period of a certain period; A charge return management module for notifying the seller of the chargeback request when the buyer or the remitter requests the return of the money deposited as a provisional item in the seller's account and returning the charge when the seller notice is received; And Account trading system comprising a control module for controlling each module. The account transaction system of claim 1, wherein the provisional remittance period is a refund period. The method of claim 1, wherein the provisions (subscriptions) item is selected by clicking an icon such as 'transfers' or *. Accounting system, characterized in that any one of using the identification item selected from #, 000, characters. Purchase goods from sellers and sellers who sell various goods on-line or off-line through communication networks such as internet, home shopping, and telemarketers, open a payment account to the seller, and purchase price of the goods in the money account. In the general account transaction method consisting of a bank server that provides a deposit to the seller when the deposit, If the buyer or general remitter of the goods sets the conditions for the second approval (refund payment) or the refund period when making the deposit, and the seller can use the amount deposited in the seller's own account only when the above conditions are met. Providing a provisional item for setting; Selecting a remittance item when the buyer directly visits a wired / wireless internet, a telephone, or a bank and deposits in a seller's payment account; Seller checks the amount deposited in his account, and delivers the goods agreed with the buyer; After receiving the goods, the buyer checks whether there is a problem and fulfills the contract. If there is no problem, the buyer connects to the bank server and makes a second approval for the seller to use the amount remitted to the seller's account. Release); And Accounting method comprising the step that the seller can use when the secondary approval of the buyer is completed. The method of claim 4, wherein And a seller can use the deposited amount if a refund period has elapsed without the second approval of the buyer who has received the goods. The method of claim 4, wherein The purchaser accessing the bank server and requesting the return of the transferable money; The bank server notifying the seller of the refund fact of the deposit; Confirming the refund through the bank server so that the seller can receive a refund after the seller has returned the goods from the buyer; The bank server further comprises the step of refunding the remitted payment to the buyer account transaction method. The method of claim 6, The bank server further comprises the step of refunding the money remitted to the buyer after a certain period of time when the seller who received the buyer's request for a refund does not access the bank server to confirm the refund Account trading method. The method of claim 4, further comprising the step of depositing the amount of money deposited through the provisional transfer into the payment account as a provisional deposit (subscription) to another account. The method of claim 4, wherein the provisions (subscription fee) item is selected by clicking an icon such as 'transfer money' or *. Account number, characterized in that any one of the identification item or article number selected from #, 000, letters.

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