KR20000054563A - Digital settlement system and method - Google Patents

Abstract

PURPOSE: A system and method for digital settlement are provided to establish a settlement system for an electronic commerce between individual-individual, individual-enterprise, and enterprise-enterprise, by employing digital tax receipts and digital checks/bills. CONSTITUTION: A buyer computer(110) requests the goods or service and pays the price for the goods or service with a digital check/bill. A seller computer(120) receives a purchase request for the goods or service from the buyer computer(110), decides to deliver the goods or service, and receives the digital check/bill from the buyer computer(110). An authorization institution server(130) receives from the buyer and seller computers(110,120) a request for mutual agreement authorization for digital settlement between the buyer and seller, and transmits an authorization letter for the agreement to the buyer and seller computers(110,120). A financial institution server(140) receives an authorization result for the mutual agreement from the authorization institution server(130), and confirms a digital check/bill bankbook of the seller when the seller wants to change the digital check/bill into cashes.

Description

Digital settlement system and method

The present invention relates to electronic commerce, and more particularly to a digital payment system and method.

By digitizing the current tax invoice / receipt related documents, the system enables the use of digital tax invoice / receipt for online payment, and the entire process of check transaction such as issuance, exchange, collection, etc. It is necessary to establish a means to make this payment.

The technical problem to be achieved by the present invention is for individuals-individuals, individuals-companies, companies-companies, etc. to create a payment system for electronic commerce, can be used as a payment system on the Internet, and at the same time based on a bank account It also provides a digital payment system and method using digital tax invoices / receipts and digital checks / bills, which are suitable for a very large amount of transactions.

1 illustrates a configuration of a digital payment system according to the present invention.

2A-2B illustrate a digital bill / receipt processing process according to the present invention.

3 shows the overall process for digital payment according to the present invention.

4A illustrates the digital check / bill payment agreement process.

4B illustrates the digital check / bill payment process.

4C illustrates a digital check / bill offline process.

4D illustrates a digital check / bill distribution process.

4E illustrates a digital check / bill cashing process.

4F illustrates the digital check / bill payment process.

5A is a screen illustrating a result of a purchaser querying a digital tax invoice receipt list.

5B is a screen showing the result of the purchaser inquiring of the digital tax invoice details.

5C is a screen showing a purchaser's digital check / bill target notification result.

5D is a screen showing a digital check / bill book book and payment processing result in a financial institution.

FIG. 5E shows a screen of a supplier confirming whether a digital check / bill is paid.

Figure 5f shows a screen for the supplier to confirm the detailed information on whether the digital check / bill payment.

FIG. 6A illustrates a screen in which a supplier or distributor distributes a digital check / bill and requests a digital endorsement.

Figure 6b shows a screen for the distribution and endorsement of digital checks / bills in the bank.

Figure 6c illustrates a screen for digital check / bill payment processing in the bank.

FIG. 6D shows a screen for digital check / bill receipt processing in a certification authority.

6E illustrates a screen for confirming whether a supplier and a distributor receive a digital check / paper payment.

Figure 6f is a screen showing the detailed information about the receipt of the digital check / bill payment of the supply recipient and distributor.

The digital payment system according to the present invention for solving the technical problem is a buyer computer for requesting the purchase of goods, goods and services through electronic commerce, and pays for the goods, goods and services purchased by digital check / bill; Receive a purchase request for goods, goods and services through the buyer computer, approve the goods, goods and services delivery, and receive the digital check / bill issued by the buyer computer for the goods, goods and services delivery Supplier computer; An authentication authority server for requesting mutual agreement for mutual digital payment between the buyer and the supplier computer from the buyer computer and the supplier computer and transmitting the agreement certificate for the digital payment agreement to the buyer computer and the supplier computer; And receiving the authentication facts about the agreement from the certification authority server, requesting the cashing of the digital check / bill from the provider computer, and confirming the supplier's digital check / bill on the digital check / bill. And a financial institution server.

In addition, the digital check / bill is characterized in that it includes an unconditional consignment of the meaning of designating a certain amount, the name of the payer, the indication of the maturity, the payment recipient, the date and place of issue and the electronic signature of the issuer.

The digital payment method according to the present invention for solving the other technical problem is (a) mutual agreement for mutual electronic payment between the supplier supplying a predetermined goods, goods and services and the buyer to purchase the goods, goods and services Authenticating the certificate authority; (b) if the buyer purchases the goods, goods and services through electronic commerce, the supplier sending a digital tax invoice / receipt for the purchase of the goods, goods and services to the buyer; (c) the buyer receiving the digital tax invoice / receipt confirming the payment and paying the digital check / bill to the supplier; (d) cashing the digital check / bill payable to the supplier; And (e) making a payment for the digital check / bill paid by the buyer to the supplier.

In addition, the step (a) comprises the steps of (a1) informing the certification institution and the financial institution of the mutual agreement between the supplier and the buyer; (a2) granting a certificate by the certification authority to the agreement; And (a3) characterized in that it comprises the step of authenticating the agreement facts by the certification authority to the financial institution for the agreement.

In addition, the step (b) is (b1) the supplier requesting the certification authority to issue the digital tax invoice / receipt according to the purchase of the goods, goods and services; (b2) transmitting a certificate for issuing the digital tax invoice / receipt to the provider; And (b3) transmitting the certified digital tax invoice / receipt to the buyer.

In addition, the step (c) may include (c1) the buyer notifying the certification authority and the supplier of the details of the digital check / bill payment; (c2) checking, by the certification authority, the details of the digital check / bill payment subject and providing a notification of payment to the financial institution; (c3) the financial institution to book in the digital check / bill book of the supplier; And (c4) characterized in that the supplier checks the digital check / bill passbook to confirm whether the digital check / bill payment.

In addition, the step (c) is characterized in that it further comprises the step of issuing the digital check / bill by the buyer in the form of offline payment to the supplier.

In addition, the step (d) may include (d1) requesting the financial institution for cashing when the digital check / bill expires or needs cashing; (d2) checking whether the digital check / bill requested by the supplier is booked in the digital check / bill book registered with the financial institution; And (d3) characterized in that it comprises the step of paying the supplier the transaction amount listed in the digital check / billbook.

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

Digital payment system according to the present invention is for individuals-individuals, individuals-companies, companies-companies, etc. to create a payment system for electronic commerce, can be used as a payment system on the Internet, and at the same time based on the bank account This system is also suitable for dealing with large amounts of money.

1 illustrates a digital payment system according to the present invention, and includes a purchaser computer 110, a supplier computer 120, a certification authority server 130, a financial institution server 140, and a network 150.

The purchaser computer 110 requests the purchase of goods, goods and services through electronic commerce, and performs payment of digital checks / bills for the purchase of goods, goods and services.

The supplier computer 120 receives a purchase request for goods, goods and services through the purchaser computer 110, approves the goods, goods and services delivery, and pays for the goods, goods and services delivered by the buyer computer. Perform the function of transmitting the digital check / bill.

The certification authority server 130 receives a mutual agreement for mutual digital payment between the buyer and the supplier from the purchaser computer 110 and the supplier computer 120, and purchases the certificate for the digital payment agreement. And transmits to the provider computer 120.

The financial institution server 140 receives the authentication facts about the contract from the certification authority server 130, receives a request for cashing the digital check / bill from the provider computer 120, and the provider for the digital check / bill. To perform the function of checking the digital check / billbook.

The network 150 is a means for allowing the purchaser computer 110, the supplier computer 120, the certification authority server 130, and the financial institution server 140 to be interconnected. The network 150 may include the Internet, a local area network (LAN), and a VAN ( Value Added Network).

2A-2B illustrate a digital bill / receipt processing process according to the present invention.

Figure 2a illustrates a process of authenticating the digital bill / receipt issuance.

The buyer of the goods, goods and services requests the issuance of a digital bill / receipt to the supplier computer 120 using the purchaser computer 110.

When the provider computer 120 requests the certification authority server 130 to authenticate the digital bill / receipt, the certification authority server 130 transmits a certificate for authenticating the digital bill / receipt issuance to the provider computer 120. .

The supplier computer 120 issues a digital bill / receipt to the purchaser computer 110.

2b illustrates a digital tax invoice / receipt processing process.

The purchaser who wants to purchase the goods, goods and services notifies the supplier computer 120 of the subject of the digital tax invoice / receipt issued using the purchaser computer 110.

The supplier computer 120 registers and sends the digital tax invoice / receipt to the purchaser computer 110 and the certification authority server 130.

The purchaser computer 110 confirms receipt of the digital tax invoice / receipt with the supplier computer 120 and the certification authority server 130.

The certification authority server 130 transmits the digital tax invoice / receipt confirmation certification to the purchaser computer 110.

3 shows the overall process for digital payment according to the present invention.

First, the certification body authenticates the mutual agreement with respect to mutual electronic payment between the supplier who supplies the goods, goods and services, and the buyer who purchases the goods, goods and services.

First of all, the process of mutual agreement for mutual digital settlement before a transaction is established between the supplier who supplies the goods, goods and services, and the buyer who wants to purchase them as needed.

4A illustrates the digital check / bill payment agreement process.

The purchaser computer 110 and the supplier computer 120 are used to transmit a contract for the digital payment agreement between the buyer and the supplier to the certification authority server 130 and the financial institution server 140.

The certification authority server 130 grants authentication to the contents of the agreement, and transmits a certificate for authenticating the agreement to the purchaser computer 110 and the supplier computer 120.

In addition, the certification authority server 130 transmits the certificate to the financial institution server 140 to approve the agreement between the buyer and the supplier.

Second, when the buyer purchases the goods, goods and services through electronic commerce, the supplier transmits a digital tax invoice / receipt for the purchase of the goods, goods and services to the buyer.

In general, most of the tax invoices / receipts that are sent and received in electronic commerce between companies and consumers as well as between businesses and companies are processed in the form of paper. This is referred to as a digital tax invoice / receipt.

In particular, in the case of electronic commerce that buys and sells digital goods, goods, goods and services may be sold digitally, but receipts and bills may be received in the form of mail or courier off-line. Therefore, all of these small units can receive a digital bill (receipt), and all of these parts are processed digitally.

Therefore, the supplier requests the certificate authority server 130 to issue a digital tax invoice / receipt for the purchase of the goods, goods, and services by using the supplier computer 120.

The certification authority server 130 transmits the certificate for issuing the digital tax invoice / receipt to the provider computer 120.

Supplier computer 120 transmits the certified digital tax invoice / receipt to purchaser computer 110.

Third, the purchaser receiving the digital tax invoice / receipt confirms the payment and pays the digital check / bill to the supplier.

In order for the buyer and supplier to mutually trade, the supplier transmits the digital tax invoice to the buyer computer 110 using the supplier computer 120.

4B illustrates the digital check / bill payment process.

The purchaser computer 110 transmits the object of the digital check / bill to the certification authority server 130 and the supplier computer 120.

The certification authority server 130 checks the credit for the digital check (bill) again and then notifies the financial institution server 140 when there is no abnormality.

The financial institution server 140 may make an account (such as payment on a bank account, deposit or withdrawal from a bank) on a digital check / bill. At this time, the supplier computer 120 checks whether the payment is made to the buyer.

Confirmation of payment is made through methods such as ARS, ATM and bank book.

On the other hand, individuals or companies make a request for confirmation of the digital check / bill to the certification authority server 130 in the middle for the transaction.

The certification authority server 130 makes an electronic payment for the digital check / bill, and at this time, the identity of the creator, digital check / bill forgery, issuer information, etc. is verified electronically.

The items displayed on the digital check / note include unconditional consignment to designate a certain amount of money, the name of the payer, the indication of the maturity, the payment recipient, the date and place of issue and the electronic signature of the issuer.

In addition, the certification authority server 130 issues a certificate as a trusted certification authority by a financial institution such as a bank or credit card company operating a digital payment system.

When the electronic certificate issued through the certification authority server 130 and the digital payment system are compatible, the user may register with the digital payment system by issuing and presenting the electronic certificate from the certification authority server 130.

In addition, the process of paying the supplier by issuing the digital check / bill in an offline form is as follows.

4C illustrates a digital check / bill offline process.

In the case of payment by a supplier for digital checks / bills issued by a supplier, the financial institution issues digital checks / bills in the form of an offline paper and pays them offline.

In addition, the digital check / bill distribution process is as follows.

The digital check / bill distribution process is similar to the distribution of paper bills in the existing settlement between companies, and refers to a case where the payment of digital checks / bills is used again for settlement purposes.

4D illustrates a digital check / bill distribution process.

For example, if Supplier A and Supplier B, for example, A asks their bank to distribute their digital checks / bills, the bank will withdraw them via digital check / bill. At the same time to send a digital check / bill of company A to the certification authority server 130.

The certification authority server 130 performs a digital check electronic payment processing on the requested A's digital check / bill book and deposits the B's digital check / bill book.

On the other hand, another supplier B can go to the bank and check the bank deposit on the digital check (note) sent by the supplier A.

Fourth, cashing the digital check / bill paid to the supplier.

4E illustrates a digital check / bill cashing process.

When a supplier makes a request to his or her off-line issuing bank, the bank confirms the withdrawal by bank account and payment is made from the digital check / bill. Checks and bills issued by the Bank's confirmation will be paid to the supplier in check or paper or paper.

Fifth, the purchaser pays for the digital check / draft paid to the supplier.

The concept of reimbursement of digital checks / bills at the time of expiration is that the payer will pay cash for those automatically billed for the expiration of the digital check / bill.

4F illustrates the digital check / bill payment process.

Supplier computer 120 requests digital check / bill payment to purchaser computer 110 and financial institution server 140.

When the financial institution server 140 makes a claim for the payment due digital check / bill to the buyer computer 110, the buyer of the goods, goods and services causes the buyer computer 110 to repay the paid digital check / bill. do.

In addition, the financial institution server 140 notifies the supplier computer 120 of the payment processing.

5A to 5B illustrate an embodiment of a digital tax invoice receipt list inquiry. FIG. 5A is a screen showing a result of a purchaser querying a digital tax invoice receipt list. This screen shows the results of the inquiry.

5C to 6F are exemplary embodiments showing screens of the results generated during the digital check / bill processing.

5C is a screen showing a purchaser's digital check / bill target notification result.

5D is a screen showing a digital check / bill book book and payment processing result in a financial institution.

FIG. 5E shows a screen of a supplier confirming whether a digital check / bill is paid.

Figure 5f shows a screen for the supplier to confirm the detailed information on whether the digital check / bill payment.

FIG. 6A illustrates a screen in which a supplier or distributor distributes a digital check / bill and requests a digital endorsement.

Figure 6b shows a screen for the distribution and endorsement of digital checks / bills in the bank.

Figure 6c illustrates a screen for digital check / bill payment processing in the bank.

FIG. 6D shows a screen for digital check / bill receipt processing in a certification authority.

6E illustrates a screen for confirming whether a supplier and a distributor receive a digital check / paper payment.

Figure 6f is a screen showing the detailed information about the receipt of the digital check / bill payment of the supply recipient and distributor.

The drawings and specification are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the appended claims or claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention, there is an effect of minimizing face-to-face work through electronic transactions between companies, contributing to speedy and accurate improvement of business processing, establishing a transparent base of dataless transactions, and establishing a corporate electronic payment system worldwide.

Claims (8)

A buyer computer for requesting the purchase of goods, goods and services through electronic commerce, and paying for the goods, goods and services by digital check / bill; Receive a purchase request for goods, goods and services through the buyer computer, approve the goods, goods and services delivery, and receive the digital check / bill issued by the buyer computer for the goods, goods and services delivery Supplier computer; An authentication authority server for requesting mutual agreement for mutual digital payment between the buyer and the supplier computer from the buyer computer and the supplier computer and transmitting the agreement certificate for the digital payment agreement to the buyer computer and the supplier computer; And A financial statement for receiving the authentication fact of the contract from the certification authority server, requesting the digitalization of the digital check / bill from the provider computer, and confirming the digital check / bill book of the supplier with respect to the digital check / bill. Digital payment system, characterized in that it comprises an institution server. The method of claim 1, wherein the digital check / bill Digital payment system, which includes unconditional consignment to designate a certain amount, name of payer, indication of maturity, recipient of payment, date and place of issue and electronic signature of issuer. (a) certifying the mutual agreement between the supplier who supplies the goods, goods and services, and the mutual agreement for mutual electronic payments between the purchaser of the goods, goods and services; (b) if the buyer purchases the goods, goods and services through electronic commerce, the supplier sending a digital tax invoice / receipt for the purchase of the goods, goods and services to the buyer; (c) the buyer receiving the digital tax invoice / receipt confirming the payment and paying the digital check / bill to the supplier; (d) cashing the digital check / bill payable to the supplier; And (e) payment by the buyer for the digital check / bill payable to the supplier. The method of claim 3, wherein step (a) (a1) notifying a certification institution and a financial institution of an agreement between the supplier and the buyer; (a2) granting a certificate by the certification authority to the agreement; And (a3) The digital payment method comprising the step of authenticating the agreement facts by the certification authority to the financial institution for the agreement. The method of claim 3, wherein step (b) (b1) the supplier requesting a certification authority to issue a digital tax invoice / receipt for certification of the goods, goods and services; (b2) transmitting a certificate for issuing the digital tax invoice / receipt to the provider; And (b3) transmitting the certified digital tax invoice / receipt to the buyer. The method of claim 3, wherein step (c) (c1) the purchaser notifying the certification authority and the supplier of the details of the digital check / bill payment target; (c2) checking, by the certification authority, the details of the digital check / bill payment subject and providing a notification of payment to the financial institution; (c3) the financial institution to book in the digital check / bill book of the supplier; And (c4) wherein the supplier checks the digital check / billbook and confirms whether the digital check / bill is paid or not. The method of claim 3, wherein step (c) And the purchaser issuing the digital check / bill in an offline form and paying the supplier. The method of claim 3, wherein step (d) (d1) if the digital check / bill expires or needs to be cashed, the supplier requesting the financial institution for cashing; (d2) checking whether the digital check / bill requested by the supplier is booked in the digital check / bill book registered with the financial institution; And (d3) digital payment method comprising the step of paying the supplier the transaction amount listed in the digital check / billbook.