KR20000054073A - The commission retrenching by the total adjustment of a small settlement fund - Google Patents

Abstract

PURPOSE: A commission reducing system by collecting accounts of small payments is provided to cut own the commission whenever the accounts are settled. A company managing an electronic purse is affiliated with an internet site or a certain company and pays some amount of money to them in advance. When customers buy goods, they pay for the goods to the affiliated company, or when a certain amount of money is settled, the company managing the electronic purse delivers money to the affiliated company. The electronic purse managing company receives the result of the settlement from the affiliated company, and reduces money in the customer's purse. CONSTITUTION: A commission reducing system by collecting accounts of small payments comprises electronic purse managing and settling agency, main server, and terminal. If a user submits the user's information to the agency, and requests the agency to issue the electronic purse, the agency issues the card or a check after confirming the user's credit. The main server constructs a DB storing a goods purchasing history, enables the user to purchase goods, and processes the accounts information. The terminal transmits the information recorded in the electronic purse to the electronic purse managing company.

Description

Commission reduction system by settling a small settlement amount {The commission retrenching by the total adjustment of a small settlement fund}

The present invention relates to a payment system through the Internet, and more particularly, to a fee reduction of the financial sector by collective settlement of a small amount of payment.

After purchasing general micro-products on the Internet such as the Internet, payment is made using cash transfer, card and electronic money as a means of payment. The following problems arise with this payment method.

In the case of cash payment, it is difficult to carry and there is a risk of theft.

Credit card payments are expensive.

Even if you try to process a small amount of payment less than 10,000 won using the Internet, there is a lot of fees in the existing method.

The technical problem to be achieved by the present invention is a company that manages the electronic wallet in payment by using an electronic wallet that can be paid after booking a ticket or purchase goods through the Internet is an affiliated Internet site or After prepaying a certain amount to the company, payments to be paid by the user through purchase of goods, etc. are settled in consultation with the affiliated company, and the electronic wallet management company sends funds to the merchant when a certain amount or a certain number of transactions are filled. Tell. In addition, the electronic wallet management company provides a payment system that can significantly reduce the financial fees incurred at each payment as a method of reducing the user's electronic wallet by receiving the payment information.

Figure 1: Fee saving system through settlement of small settlement amount

In order to solve the above technical problem, a fee reduction system through settlement of a small amount of payment according to the present invention allows a user to submit user information including a personal information and a payment method to an electronic wallet management institution, and check the purchase history and payment of a product. When requesting issuance of an electronic wallet (virtual account or electronic money determined by the user's electronic wallet management company) or a card or check that can be used for the electronic money, the credit institution checks the user's credit. Electronic wallet management and payment agency to issue cards or checks; And a database for storing the product purchase history, allowing the user to visit a company that is affiliated with the electronic wallet issuing and settlement agency and purchase the product by real or on the Internet, and process the transaction information. Main server; A terminal and a server installed in the company and transmitting information recorded in the electronic wallet to the electronic wallet management authority; After the user purchases a product by accessing the homepage of the company and asks the electronic wallet issuing agency for approval, the electronic wallet issuing agency checks whether there is a defect in the payment and provides a check result to the company and the user. It is characterized by purchasing a product.

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

First, a fee saving system through collective settlement of a small payment amount used in the present invention will be described.

1 is a block diagram showing a preferred embodiment of a fee reduction system through the settlement of a small amount of payment amount according to the present invention, the user 200, the affiliated organization 210 and the electronic wallet management organ 220.

The user 200 refers to a person who wants to purchase a product from an affiliated organization and prepays a predetermined amount for payment of the purchased product to an electronic wallet management company and receives an electronic wallet or electronic money.

Electronic wallet management and payment agency 220 issuing an electronic wallet, such as ID, password and cyber accounts that the user 200 can look up user information and product purchase history including personal information and payment methods through a computer network As an institution, affiliated with a company that generates electronic commerce on the Internet, a certain amount of deposit form is prepaid to the affiliated institution 210 in consideration of the number of transactions or the size of the transaction, and the users 200 purchase the product. When the reason for the payment to the affiliated organization 210 due to such due to the settlement acts in consultation with the affiliated organization and when a certain number of transactions or a certain amount of money is to be deposited to the affiliated organization 210.

The affiliated organization 210 refers to a company that has contracted with the electronic wallet management and payment agency 220. If a transaction occurs through the purchase of goods by the users 200, the affiliated organization 210 displays the result of the electronic wallet management and payment. Notify the agency 220. In addition, when a certain amount of payment or a predetermined number of transactions in consultation with the electronic wallet management and settlement agency 220 occurs, the affiliated organization 210 is an institution that can request a deposit to the electronic wallet management and settlement agency 220. .

An electronic wallet account is a cyber account that can be accessed through letters (IDs) or numbers that can identify a user, such as a user's ID and password, and can search for his / her transaction information, make payments, and transfer money.

Based on the above-described configuration, a fee saving system through collective settlement (calculation) of a small amount of payment according to the present invention will be described.

When the user 200 who wants to use the electronic wallet applies for the electronic wallet management and payment agency 220 using a computer network, the electronic wallet management and payment agency 220 creates a user's electronic wallet account. In addition, the user 200 fills the amount of money in the user's electronic wallet account by the desired amount through an account transfer from the user's bank account or credit card to the electronic wallet account.

Finally, the user 200 may purchase a product using an ID and a password, and may purchase the product through the following process.

When the user 200 accesses the affiliated organization 210 and purchases a product, the affiliated organization 210 requests the electronic wallet management and payment agency 220 to inquire about the balance and personal information of the user's electronic wallet. The wallet management and payment agency 220 checks the user's identity using the user's ID, password, etc., checks the presence or absence of a defect in the payment, and notifies the affiliated organization 210 of the result, and the affiliated organization 210 receives the result. After payment, the result is notified to the electronic wallet management and payment agency 220.

Electronic wallet management and payment agency 220 operates the electronic wallet and electronic money of the user 200, prepay a certain amount to the affiliated organization 210 and a number of transactions, such as purchase of the product occurs several times a certain transaction amount or transaction The payment is made when the number of times, etc. can be reduced, which reduces the financial fee per case.

In this case, the size of the financial benefits (such as interest on the bank) of the prepaid amount must be smaller than the profit from the commission.

According to the invention,

First, from the consumer's point of view, the financial fees to be paid by the merchants are reduced, so the cost can be reduced.

Second, from the seller's point of view, consumption is diversified, which increases consumption, pays less fees, and enables instant cashing upon payment.

Claims (2)

Electronic wallet management and payment agency for the user to use the electronic wallet to submit user information including personal information and payment method, and issue an ID, password or electronic wallet account number associated with the user submission information; Users who have received ID and password or account number issued by the electronic wallet management and payment agency to request identity verification and payment inquiry to the electronic wallet management and payment agency when purchasing goods from the affiliated organization and are notified of the result Purchases goods from affiliated organizations and notifies the electronic wallet management and settlement agency of the results and manages the electronic wallet at the same time when a predetermined transaction amount or number of transactions between the settlement agency and the affiliated store is to be paid in advance. Fee reduction system through settlement of a small amount of payment that can reduce the financial fees incurred each time by the settlement agency paying the merchant The method of claim 1, wherein the electronic wallet management and payment agency prepays a certain amount to the affiliated institution, and when the user purchases the product at the affiliated institution, the user's personal information and the balance of the electronic wallet are checked, and the electronic wallet management and settlement agent is executed. E-wallet management and payment agency's prepayment system to reduce fees by reducing the amount prepaid by the institution in advance