KR101725632B1 - Global e-commerce payment system and method using the same - Google Patents

Global e-commerce payment system and method using the same Download PDF

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KR101725632B1
KR101725632B1 KR1020150069039A KR20150069039A KR101725632B1 KR 101725632 B1 KR101725632 B1 KR 101725632B1 KR 1020150069039 A KR1020150069039 A KR 1020150069039A KR 20150069039 A KR20150069039 A KR 20150069039A KR 101725632 B1 KR101725632 B1 KR 101725632B1
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server
station
payment
settlement
supplier
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KR20160135559A (en
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문효주
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중소기업은행
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108—Remote banking, e.g. home banking
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance

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  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Finance (AREA)
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  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
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  • Development Economics (AREA)
  • Economics (AREA)
  • Computer Security & Cryptography (AREA)
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  • Technology Law (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

An electronic commerce online payment system and an electronic commerce method using the same are provided for a consumer electronic terminal of a second country through an open market server of a second country, A step of purchasing a product and performing settlement, an open market server generating payment information and transmitting the payment information to a payment relay server and a first station supplier server, and the first station supplier server delivering goods, The method according to claim 1, further comprising the steps of: (a) receiving an electronic merchandise receipt corresponding to the settlement amount from the open market server Collecting the bonds, and transferring the proceeds from the receivables to the first country supplier account.

Figure R1020150069039

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online electronic commerce online payment system,

The present invention relates to an overseas electronic commerce online payment system and a method using the same.

Recently, "fastball" is an issue that domestic consumers consume foreign products directly from overseas sites.

On the contrary, 'stationary straight' means that overseas consumers consume Korean products directly from domestic online shopping.

In the case of such imported stationery, the number of overseas consumers who want to purchase Korean products has increased explosively due to the influence of the Korean Wave, etc., and the price of direct imports is at least 30% to 60% Demand for forms is increasing.

On the other hand, such reverse direct payment online payment system has limitations in that the settlement processing is not convenient due to restrictions in the Foreign Exchange Transaction Act. Due to the restrictions imposed by the Foreign Exchange Transactions Act, only certain cards that can be used for overseas settlement are currently used for reverse direct settlement.

Accordingly, there is a demand for a legitimate online payment system capable of activating a reverse straight line system.

At least some embodiments of the present disclosure provide a legitimate online payment system and method that can activate a reverse straight line system.

The payment method of the overseas electronic commerce online payment system according to an embodiment of the present invention includes a step of the consumer terminal of the second country purchasing the goods of the first country supplier through the open market server of the second country and performing settlement , The open market server generates payment information and transmits the payment information to the payment relay server and the first station supplier server; and the first station supplier server delivers the goods and accesses the payment relay server to electronically Generating a sales receipt; requesting the financial transaction server to collect the electronic receivables generated by the payment relay server; and the financial transaction server performing debt collection from the open market server, To the first country supplier account.

The foreign electronic commerce online payment system according to an embodiment of the present invention provides an interface for purchasing and payment of merchandise of a first country supplier to a consumer terminal of a second country and generates payment information when the normal payment is performed A first station supplier server that performs product delivery when the second station open market server and the second station open market server are notified that the settlement of the second station consumer terminal has been normally performed; A settlement relay server for requesting issuance of an electronic merchandise receivable secured with a price of a commodity and generating an electronic merchandise receipt, and a settlement relay server for receiving a collection request for the electronic merchandise receipt from the settlement relay server, And a financial transaction server for transferring the money for the trade receivable to the first country supplier account It shall be.

According to at least some embodiments of the present disclosure, the consumer can use the overseas electronic commerce online payment system to perform settlement of goods sold by suppliers of other countries through the open market of his / her own country, Financial institutions will be able to increase foreign exchange earnings and profitability by developing new businesses.

1 is a block diagram schematically illustrating a configuration of an online electronic commerce online payment system according to an embodiment of the present invention.
2 is a block diagram schematically illustrating a configuration of an open market server according to an embodiment of the present invention.
3 is a block diagram schematically illustrating a configuration of a payment relay server according to an embodiment of the present invention.
FIG. 4 is a view for schematically explaining a configuration of a supplier server according to an embodiment of the present invention.
5 is a block diagram schematically illustrating a configuration of a financial transaction server according to an embodiment of the present invention.
6 is a flowchart illustrating an online electronic commerce online settlement method according to an embodiment of the present invention.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. Note that, in the drawings, the same components are denoted by the same reference symbols as possible. Further, the detailed description of well-known functions and constructions that may obscure the gist of the present invention will be omitted.

1 is a block diagram schematically illustrating a configuration of an online electronic commerce online payment system according to an embodiment of the present invention.

1, the on-line electronic commerce online payment system of the present invention includes a consumer terminal 100, an open market server 200, a payment relay server 300, a supplier server 400, and a financial transaction server 500, . ≪ / RTI >

The consumer terminal 100 and the supplier server 400 exist in different countries and the consumer terminal 100 and the open market server 200 exist in the same country. The payment relay server 300 exists in the other country in addition to the open market server 200. The payment relay server 300 may exist in the same country as the supplier server 400. That is, the supplier server 400 exists in the first station, the consumer terminal 100, the open market server in the second station, the settlement relay server and the financial transaction server in the first station or the third station.

The existence of the payment relay server and the financial transaction server in the first country means that the payment server and the financial transaction server exist in the same country as the supplier server. .

The consumer terminal 100 is a terminal that performs the settlement 2 to directly connect to the supplier server 400 or purchase (1) a supplier's product through an open market (not shown).

The consumer terminal 100 may be a cellular phone terminal capable of Internet access or a computer apparatus such as a notebook or a desktop or a portable terminal such as a PDA (Personal Digital Assistants), a tablet PC, a smart phone, a portable multimedia player (PMP) Lt; / RTI > However, the present invention is not limited to this and can be applied regardless of the type of communication and information input / output possible.

The open market server 200 is a server that manages open markets existing in the same country (first country) as a consumer. Open Market is a collective term for e-commerce sites that allow buyers to sell their products directly through stores opened by individuals or small businesses online.

The open market server 200 provides product information for purchasing a product to a consumer and provides a payment interface at the time of purchase to help the consumer proceed through the payment process. The open market server 200 generates payment information to notify that the settlement is normally completed when the settlement is normally completed according to the settlement interface provided to the consumer terminal 100 and transmits the settlement information to the related servers 2-1, 3).

The open market server 200 can use a payment apparatus existing in the second station to perform settlement.

The supplier server 400 manages the merchandise sales and delivery 3 and issues a sales receipt to the payment relay server 300 through the payment relay server 300 in order to settle the payment in advance (4-1). The supplier server 400 uses payment information to issue a trade receipt.

The settlement relay server 300 generates an electronic trade receivable at the request of the supplier server 400 and requests collection of the trade receivable at the financial transaction server 500 (4-2).

The financial transaction server 500 performs collection from the open market server 200 when the collection server 300 receives the collection receipt issued by the supplier server 400 for the sale of merchandise from the payment relay server 300, , And receive payment from the open market (4-4).

The financial transaction server 500 pays a payment to the supplier server 400 when the money is deposited into the account of the financial transaction server 500 (4-5).

The consumer of the second country can perform cash settlement, credit card settlement, gift certificate settlement, etc. at the settlement time.

In the case of credit card payment, the settlement payment is transferred from the credit card company's server to the open account's own account via the van (VAN) which collects the payment information at the time of settlement. Therefore, approval, purchase, The purchasing stage may be considered to determine the receivables to be confirmed.

On such a system, the payment settlement agent (the payment relay apparatus of this embodiment) does not directly receive or pay the commodity price, so that a legitimate settlement can be made.

2 is a block diagram schematically illustrating a configuration of an open market server according to an embodiment of the present invention.

The open market server 200 includes a communication unit 210, a control unit 230, and a database unit 250.

The communication unit 210 transmits and receives information to and from a consumer terminal (100 in FIG. 1), a relay payment server (300 in FIG. 1), and a financial transaction server (500 in FIG.

The control unit 230 controls the overall operation of the open market server in order to relay online electronic commerce on foreign electronic commerce.

In an embodiment of the present invention, the controller 230 provides a user interface to the connected user terminal 100 for purchase and payment of goods, and confirms the input information input through the interface to process purchase and payment. At this time, payment information can be confirmed or user authentication can be further performed.

If it is determined that the payment has been normally processed, the controller 230 generates payment information to notify that the payment has been normally performed, and transmits the payment information to the related server and the terminal. The related server may include at least one of the settlement relay server 300, the supplier server 400, and the financial transaction server 500.

When the control unit 230 is notified of collection of accounts receivable from the financial transaction server 500, the control unit 230 confirms the receivables for the money and transfers the commodity money to the dedicated account of the financial transaction server.

The database unit 250 stores data for relaying online electronic commerce on foreign electronic commerce.

The database unit 250 may include a merchant DB 252, a merchandise DB 254, and a payment DB 256.

The seller DB 252 may include seller information including a seller identifier.

The commodity DB 254 may include information such as a description of each commodity, a price, and the like.

The settlement DB 254 stores settlement-related information including a settlement medium for settlement of goods, a settlement date, a settlement amount, a commodity and a seller identifier, etc., by the consumer terminal 100.

The information of each database can be stored in association with each other.

3 is a block diagram schematically illustrating a configuration of a payment relay server according to an embodiment of the present invention.

The payment relay server 300 includes a communication unit 310, a control unit 330, and a database unit 350.

The communication unit 310 transmits and receives information to and from an open market server (200 in FIG. 1), a supplier server (400 in FIG. 1), and a financial transaction server (500 in FIG.

The control unit 330 controls the overall operation of the settlement relay server in order to relay the online settlement on the foreign electronic commerce.

In an embodiment of the present invention, when the controller 330 requests the issuance of the trade receivable for the commodity sold by the supplier server 400, the controller 330 checks the acquired settlement information to generate the electronic commodity receipt. To this end, the control unit 330 may provide a bond creation interface to the supplier server 400. The control unit 330 may consider the exchange rate when calculating the purchase amount of the trade receivable. At this time, the control unit 330 can apply the exchange rate at the time when the consumer makes settlement. Or the exchange rate at the time of the settlement of the card of the card which the consumer has settled can be the reference exchange rate.

The control unit 330 requests the financial transaction server 500 to collect the accounts receivable purchased. Collection requests can be collectively collected for each supplier in a predetermined cycle.

The database unit 350 stores data in order to relay online settlement on overseas electronic commerce.

The database unit 350 may include a seller DB 352, a payment DB 354, and a receivable DB 356.

The seller DB 352 may include sales-related information including a seller identifier, seller's personal or corporation-related information, seller's sales item, sales result, sales date, product management content, product identification information, and the like.

The settlement DB 354 stores information related to settlement including the settlement medium for settlement of commodities, the settlement date, the settlement amount, the commodity and the seller identifier, etc., by the consumer terminal 100. [

The bond DB 356 is information related to the accounts receivable purchased from the supplier server 400 and includes information related to the calculation of the previously stored purchase amount to purchase the accounts receivable, And the like.

The information stored in the database unit can be stored in association with related information.

In addition, the database unit 350 stores an algorithm for issuing an electronic trade receivable.

FIG. 4 is a view for schematically explaining a configuration of a supplier server according to an embodiment of the present invention.

The supplier server 400 includes a communication unit 410, a control unit 430, and a database unit 450.

The communication unit 410 transmits and receives information to and from the relay payment server 400. [

Upon receiving the payment information through the communication unit 410, the control unit 430 performs the delivery according to a predetermined algorithm.

The control unit 430 requests the payment relay server to issue the merchandise receipt for the payment of the delivered merchandise when the delivery is performed.

The database unit 450 may include a goods DB 452, a payment DB 454, a delivery DB 456, and a receivable DB 458.

The merchandise DB 452 may include information such as merchandise description, price, and the like for each merchant.

The settlement DB 454 stores information related to settlement including the settlement medium for settlement of commodity, the settlement date, the settlement amount, the commodity and the seller identifier, etc., by the consumer terminal 100. [

The delivery DB 456 manages delivery information such as pre-delivery, in-flight, completed delivery, canceled delivery, return, cancellation, and exchange request, and is related to delivery including time of delivery, And stores various kinds of information.

The bond DB 356 is information related to the accounts receivable purchased from the supplier server 400 and includes information related to the calculation of the previously stored purchase amount to purchase the accounts receivable, And the like.

5 is a block diagram schematically illustrating a configuration of a financial transaction server according to an embodiment of the present invention.

The financial transaction server 500 may include a communication unit 510, a control unit 530, and a database unit 550.

The communication unit 510 transmits and receives information to and from the open market server 200, the relay payment server 300, and the supplier server 400.

The control unit 530 controls the overall operation of the financial transaction server in order to collect the accounts receivable.

The control unit 530 collects the accounts receivable from the open market server 200 when receiving the receivable collection request from the settlement relay server 400. [

The control unit 530 pays the supplier the money for the accounts receivable in the account thereof. Paying money here may mean transferring the money to the supplier's account.

At this time, the control unit 530 may send money to the supplier account when the payment for the accounts receivable is transferred to the foreign currency, but may transfer money to the account of the supplier by performing the exchange according to the request of the supplier. You can deposit foreign currency from the open market server, perform currency exchange, and pay the supplier for the remaining amount that limits the fee.

In another variant, exchange rate applied money can be transferred from the open market server 200. In this case, only the commission fee is paid to the supplier.

6 is a flowchart illustrating an online electronic commerce online settlement method according to an embodiment of the present invention.

The consumer terminal 100 of the first station performs purchase and payment of goods to be purchased through the open market server 200 (S100).

The open market server 200 generates payment information when payment is normally performed (S110), and transmits the generated payment information to the related server (S112, S114). The related server may include at least one of the settlement relay server 300, the supplier server 400, and the financial transaction server 500. In another modification, payment information may be transmitted to the consumer terminal 100 as well.

Upon receiving the payment information, the supplier server 400 confirms the payment information and delivers the goods to the consumer within a predetermined time (S120). Consumer information for delivering goods may be information stored in advance, or may be entered by receiving information for delivering goods.

After performing the delivery, the supplier server 400 refers to the payment information and requests the settlement relay server 300 to issue a trade receipt (S 130).

The settlement relay server 300 generates an electronic trade receivable at the request of the first station supplier server 400 and provides it to the first station supplier server 400 (S135). The payment relay server 300 has a database on the seller information, and may calculate the accounts receivable payable on the basis of the seller credit rating, seller transaction information, and the like included in the seller information. For example, if a seller has a low credit rating or a low transaction history, a high percentage of commission on the amount of the bond can be calculated as a deposit amount. The seller's credit rating can be disrupted based on its own database or received from the external credit rating agency or credit guarantee agency server for the security of the service provision of the bank.

The payment relay server 300 requests the financial transaction server 500 to collect the sales receipt (S140).

The payment relay server 300 generates and stores electronic sales receipt history information for managing electronic receivables of a plurality of supplier servers, and accesses the electronic sales receipt history information and / or the open market server, (Hereinafter referred to as sales information). The settlement relay server 300 can request collection of the receivables at a predetermined period through the electronic sales receipt history information of the seller or the sales information of the supplier acquired through the open market.

In addition, the payment relay server 300 can perform the purchase only for the delivery completion item in consideration of the product delivery information. The product delivery information may be a pre-registered delivery service provider server, the payment relay server 300 may directly receive the product delivery information from the delivery service provider server, or may receive the product delivery information from the supplier server 400 or the open market server 200, Lt; / RTI >

When the financial transaction server 500 is requested to collect the accounts receivable from the settlement relay server 300, the financial transaction server 500 collects the bonds from the open market server 200 (S150). When the financial transaction server 500 is requested to collect the accounts receivable from the payment relay server 300, the financial transaction server 500 can access the open market server 200 to check the sales related information and perform the collection of the accounts.

When the financial transaction server 500 is requested to collect the accounts receivable, the financial transaction server 500 can collect the sum total of the sales of the respective suppliers for the predetermined period to the open market server 200. The total amount of money is collected and the sales related information acquired from the open market server 200 or the electronic sales receipt history information received from the payment relay server 300 are paid to each supplier.

At this time, the open market server 200 can deposit a predetermined commission rate, for example 0.5%, in the target principal amount, which is a collection deposit amount, to the exclusive account of the financial transaction server 500 by applying the exchange rate to the limited amount. Here, the exchange rate may be a time point at which the consumer makes a settlement or a time point at which the card settlement of the card the consumer has settled.

The settlement for collection of bonds can be carried out according to preset settlement conditions, for example, it can be settled in accordance with the payment date of the bond, or it can be distributed variously according to the payment date and settled on a daily basis.

In addition, interest or commission may be preempted, and interest or fee may be settled at a later date.

In addition, in order to perform the settlement due to the exchange rate difference, it is also possible to issue a trade receivable only for a part of the amount of the pre-determined ratio of the sales amount, and to settle the remaining part considering the exchange rate, interest and fee.

This system allows suppliers and consumers in other countries to buy and sell goods conveniently without paper contracts.

The embodiments of the present invention disclosed in the present specification and drawings are merely illustrative examples of the present invention and are not intended to limit the scope of the present invention in order to facilitate understanding of the present invention. It is to be understood by those skilled in the art that other modifications based on the technical idea of the present invention are possible in addition to the embodiments disclosed herein.

100: Consumer terminal
200: Open Market Server
300: Payment relay server
400: provider server
500: financial transaction server

Claims (8)

An overseas electronic commerce online settlement method in which a supplier server is located in a first station, a consumer terminal and an open market server are located in a second station, a settlement relay server and a financial transaction server are located in a first station or a third station,
The consumer terminal of the second station purchasing the goods of the first station supplier server through the open market server of the second station and performing settlement;
The open market server generates payment information and transmits the payment information to the payment relay server and the first station provider server;
The first provider server delivers a merchandise and accesses the payment relay server to request issuance of an electronic merchandise receipt for the payment;
The settlement relay server confirms the settlement information in response to the issuance request of the electronic trade receivable to generate the trade receivable and the receivable history information and requests collection of the generated electronic trade receivable to the financial transaction server; And
The financial transaction server collects the bonds from the open market server and transfers the proceeds of the receivables to the first country supplier account
, ≪ / RTI &
When the open market server is notified of the collection of the receivables, the receivable is confirmed, the money is transferred to the dedicated account of the financial transaction server,
Wherein the financial transaction server confirms the receipt history information of the money transferred to the own account and pays the payment to each of the suppliers. The method according to claim 1,
Wherein the payment relay server collectively requests collection of the electronic merchandise receipt for each provider to the financial transaction server at predetermined intervals. delete An overseas electronic commerce online settlement method in which a supplier server is located in a first station, a consumer terminal and an open market server are located in a second station, a settlement relay server and a financial transaction server are located in a first station or a third station,
The second station providing an interface for purchasing and payment of merchandise of the first station supplier server to the consumer terminal of the second station and generating payment information for notifying that the settlement of the second station consumer terminal has been normally performed, Open market server;
A first station supplier server for receiving the payment information from the second station open market server and delivering goods corresponding to the payment information;
A settlement relay server for requesting issuance of an electronic trade receivable with a security of a commodity purchased from the first station supplier server and generating electronic receivables and receivable history information by confirming the settlement information; And
Receiving a collection request for the electronic merchandise receipt from the payment relay server, collecting the collection receipt to the second country open market server, and transferring the money for the merchandise receipt to the first country supplier account
, ≪ / RTI &
When the open market server is notified of the collection of the receivables, the receivable is confirmed, the money is transferred to the dedicated account of the financial transaction server,
Wherein the financial transaction server confirms the receipt history information of the money transferred to the own account, and pays the payment to each of the suppliers. 5. The method of claim 4,
Wherein the payment relay server collectively requests collections of electronic merchandise receivables for each supplier at predetermined intervals in a financial transaction server.



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KR100777397B1 (en) * 2007-03-23 2007-11-19 김진수 Electronic pament method

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR100777397B1 (en) * 2007-03-23 2007-11-19 김진수 Electronic pament method

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