KR20010000616A - Communication network account transfer system that uses main settlement account and multiple supplementary settlement accounts and payment settlement method that uses above system - Google Patents

Abstract

PURPOSE: A payment settlement method that uses above system is provided to create supplementary accounts that normally holds zero balance but receives account transfers from a main settlement account for account payments and returns any remaining balance to the main account and to enable the user to make account transfers by using one's wired/wireless telephone and connecting to the ARS(Automatic Response System). CONSTITUTION: An electronic commerce payment settlement method that uses above system is composed of connection, search, selection, and payment. A settlement account member, who possesses both a main settlement account and multiple supplementary settlement accounts, connects to the internet(S101) and to the electronic commerce site for product search or business execution(S102), and searches various product or business information(S103). The member selects a product and makes a business agreement(S104), contacts the predetermined automatic account transfer communication network, and makes the account transfer to the supplementary account(S105). The supplementary account counts down the predetermined payment duration period(S106) and makes the payment within the predetermined duration period(S107,S108). If a balance remains after the predetermined time period has expired, an automatic account transfer of the remaining balance is made(S109,S110,S111). The electronic commerce transaction information is stored in the electronic commerce site's web server and network communication network DB(S112).

Description

A network account transfer system using a primary payment account and a plurality of auxiliary payment accounts and an e-commerce payment method using the same.

The present invention relates to a communication network account transfer system using a primary payment account and a plurality of auxiliary payment accounts, and an electronic commerce payment method using the same. In particular, a plurality of balances do not exist in a separate state from a main payment account owned by a payment account subscriber. E-commerce site through the Internet using the Internet access equipment (computer, wireless Internet terminal, etc.) by receiving two auxiliary payment accounts (eg, first payment account, second payment account, and third payment account). Network computer system of payment account issuing institutions (financial institutions, credit card companies, shopping mall distributors) using wired / wireless telephones to make payments to traders after entering into a product search or business agreement through product search or business Direct Debit Network System (ARS: Automated Answering Service or Telebanking Service) Select one of a number of secondary payment accounts in the primary payment account, and automatically transfer the amount to be paid to the secondary payment account, and enter the account number and password of the secondary payment account in which the amount was transferred in the payment input field of the e-commerce site. The present invention relates to a communication network account transfer system using a main payment account and a plurality of auxiliary payment accounts, and an e-commerce payment method using the same.

In general, an electronic commercial transaction (EC) using the Internet is a trader who purchases a product at an internet virtual shopping site, which is a virtual space, through a network such as the Internet, without a visitor directly visiting a store or a commercial store. In order to pay the amount of payment by signing an agreement, the merchants of commerce use various payment methods. For example, the electronic money for electronic commerce enters the amount information into the IC chip attached to the card. When the amount information is stored in the user's computer hard disk and used as electronic money, it is inconvenient to install a separate IC card reader, and the payment system equipped with an electronic commerce certification authority and an electronic wallet is placed in the electronic wallet of the certification authority. Method and user to charge a certain amount using internet banking system By entering their bank account account or credit card number is entered in the settlement of electronic payment systems, authentication and Internet shopping sites use the payment method in e-commerce. In this payment method, e-commerce is made by clicking the payment button by entering the member's unique member number and other details given by the financial institution and credit card company, so that important information of the consumer is exposed to others and enormous damage to the consumer's property. Due to the anxiety caused by this, in the e-commerce using the Internet to avoid the use of bank deposits or credit cards, the situation of the e-commerce on the Internet is not smoothly made.

In order to solve the above problems, the Internet e-commerce certificate authority and e-commerce authentication solution program have been developed and used, but it is also impossible to completely solve problems such as internet hacking. It is the opinion of a majority of the subscribers who are purchasing consumers or credit card members.

The present invention is to solve the above problems, the first object of the present invention is to provide a payment account subscriber in the payment account issuing a plurality of secondary payment account (different from the account number and password of the main payment account (for example) In the issuance of the first payment account, the second payment account, and the third payment account), the plurality of auxiliary payment accounts usually have no balance, and the direct debit network system sends the amount in the main payment account to the plurality of auxiliary accounts. You can select one of the payment accounts and set a counter for the time when the amount is automatically debited.If the amount exceeds the available time, the amount deposited in the secondary payment account will be automatically transferred to the main payment account and the payment will be made within the available time. If a balance exists in the secondary payment account after it has been made, issue the payment account so that the balance is also automatically debited to the primary payment account. The program environment of the network computer network server system of the government is set to provide a communication network account transfer system using a primary payment account and a plurality of auxiliary payment accounts, and a second object of the present invention is a subscriber of a payment account of a primary payment account. Access to the network computer network system of the payment account issuer through a telephone (wired telephone, mobile telephone, etc.), and use the direct debit network system (ARS: automatic answering service or telebanking service) to exchange e-commerce on the Internet from the balance of the main payment account. In order to make a payment by purchasing a product on the site and paying the amount to be paid to an e-commerce company, one of the secondary payment accounts can be automatically transferred by selecting one of the secondary payment accounts. All funds from your secondary billing account will be automatically debited to your original primary billing account. If the remaining balance remains after the payment is made within the available time, the balance is also automatically transferred to the original main payment account so that the payment information DB (database) is stored in the payment account issuer and the e-commerce site. Set up the environment of network computer server system and make payment after e-commerce. In case of payment account subscriber's main payment account's account number password and other information is not exposed to others, The purpose of the present invention is to provide an electronic commerce payment method using an auxiliary payment account.

1 is a flow chart illustrating a method for payment of an e-commerce amount using a network transfer account system according to the present invention.

Figure 2 is a schematic diagram showing a method for payment of an e-commerce amount using a network transfer account system according to the present invention

* Explanation of symbols for the main parts of the drawings

310: payment account subscriber 320: Internet 330: e-commerce site

340: web server 350: DB (database) 360: payment account issuer

370: network computer server system 380: main payment account

390: secondary payment account 400: wired and wireless telephone 410: direct debit network system

420: Internet access equipment 430: main network computer network server system

440: secondary network computer network server system

The present invention provides a network account transfer system using a primary payment account and a plurality of auxiliary payment accounts according to one feature for achieving the first object as described above. Mutual payment contract by the subscriber of the payment account or the existing payment account of the agreement; and issuing a plurality of auxiliary payment accounts together with the main payment account including the authentication information and the amount information of the payment account subscriber under the agreement; The balance of the secondary payment account cannot normally exist, and a certain amount is selected from one of a plurality of secondary payment accounts in the primary payment account, and a predetermined amount is transferred to the automatic payment network system. The amount of the secondary payment account can be set by the payment time. After the elapse of time, the entire amount is automatically transferred to the main payment account or, if there is a remaining balance at the time available for payment, the network computer network server system of the payment account issuing institution that is set up to automatically transfer to the main payment account. The payment account issuer's network computer network server system is connected to a web server of an e-commerce site and a network on the Internet.

In addition, an electronic commerce payment method using a primary payment account and a plurality of auxiliary payment accounts according to one feature for implementing the second object, (a) the primary payment account and a plurality of secondary payments at the payment account issuer; Accessing the Internet by a payment account subscriber who opens an account; (b) accessing an e-commerce site through step (a) above; (c) searching for a product purchase or business by using the information on the e-commerce site; (d) product selection or business agreement until the product selection or business decision and settlement; (e) The payment account subscriber accesses the network account server system of the payment account issuer using a wired / wireless telephone, accesses the direct debit network system, and purchases the goods in step (d) within the available amount of the main payment account. Automatically transferring the payment amount or the business agreement payment amount to one of the plurality of auxiliary payment accounts; (f) the counter starting time is available for payment; (g) making a payment with the account number of the secondary payment account within the time available for payment; (h) if the amount of time available for payment in step (f) is exceeded, the amount of the secondary payment account is automatically transferred to the main payment account; (i) storing the information of step (g) or (h) in a payment DB of a web server of an e-commerce site and a network computer network server system of a payment account issuer; (j) If the remaining balance after the payment in step (g) exists in the secondary payment account, the balance is automatically transferred to the main payment account, characterized in that the payment is made. E-commerce payment method using the primary payment account and the secondary payment account, even if the account number or password of the secondary payment account is leaked to others due to unavoidable circumstances, the balance does not exist in the secondary payment account and is selectively selected from a plurality of secondary payment accounts. By using a secondary payment account, there is no property damage, and the information in the primary payment account that stores important information is not exposed on the user's computer, e-commerce site, and the network of the Internet. Then, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings so that those skilled in the art can easily understand the present invention.

1 is a flowchart illustrating a method for payment of an e-commerce amount using a communication network account transfer system according to the present invention, in which a payment account subscriber having a main payment account and a plurality of auxiliary payment accounts is connected to the Internet (S101). Subsequently, the product is connected to an e-commerce site for purchase or business (S102). Search for various product information or business information (S103). Product selection or business agreement through information retrieval (S104). Subsequently, the subscriber of the payment account connects to the automatic debiting communication network system configured in the network account server system of the payment account issuer using a wired / wireless telephone to convert the payment amount among the available balances in the main payment account. One is selected and automatically transferred to the secondary payment account (S105). In this way, the amount of money automatically debited to the secondary payment account is countered (S106). Payment is made within the above settlement time (S107), (S108). If the available payment time has elapsed, the amount existing in the secondary payment account is automatically transferred to the main payment account (S109). In addition, if the balance remaining after the payment exists in the secondary payment account is automatically transferred to the main payment account (S110), (S111). The payment information is stored in the DB on the web server and network computer network server system of the e-commerce site (S112).

2 is a schematic diagram illustrating a method for payment of an e-commerce amount using a communication network account transfer system according to the present invention, in which a payment account subscriber 310 is a main payment account 380 by signing a contract with a payment account issuing agency 360. ) And a plurality of auxiliary payment account 390 is issued. When the payment account subscriber 310 accesses the Internet using the Internet access equipment 420, the network computer network server system 370 of the payment account issuer 360 and the web server 340 of the e-commerce site 330 are connected to the Internet. A network environment is interconnected on a web server through 320.

The e-commerce site 330 is composed of a web server 340 and a database (DB: 350), the actual product purchase or business electronic commerce system is implemented on the web. That is, the e-commerce site 330 builds a variety of product or business information desired by the trader, and the trader who accesses the e-commerce site purchases a product using a shopping cart on the web or after the business agreement is completed. The network computer network server system 370 provides a network environment for paying the amount of the product or payment according to a business agreement, as well as various payment methods.

The network computer network server system 370 may be used as a single network computer network server system and may also be used to manage the main network computer network server system 430 and the auxiliary payment account 390 that manage the main payment account 380. It is divided into a network computer network server system 440 may be connected to each other network.

The number of subsidiary payment accounts includes a plurality of subsidiary payment accounts, subsidiary payment accounts, and subsidiary payment accounts, and the like.

The time setting environment for designating the allowable time described above is randomly variable.

In this configuration, a brief description will be given of a procedure of electronic commerce using a network transfer account system of a primary payment account and a plurality of secondary payment accounts.

After the payment account subscriber 310 owning the main payment account 380 of the present invention accesses the e-commerce site 330 through the Internet 320 using the Internet access equipment 420, product search or business information is received. Select the desired product or make a business agreement. Subsequently, the payment account subscriber 310 uses the wired / wireless telephone 400 to access the automatic transfer communication system 410 of the network computer network server system 370 of the payment account issuing agency 360 to access the main payment account thereof. In 380, the payment amount is automatically transferred to the sub payment account 390 in which one of the sub payment accounts is selected. At this time, if the amount automatically transferred to the subsidiary payment account 390 is not settled within a predetermined time, the balance of the subsidiary payment account 390 is settled to be automatically transferred to the main payment account 380. Therefore, payment must be made within the time available for payment. In addition, if the balance remaining after payment exists in the secondary payment account (390), the amount is automatically transferred to the main payment account (380), and when all the e-commerce payment is made, the payment information DB (350) is the e-commerce site ( The input is stored in the web server 340 and the network computer network server system 370 of 330.

According to the present invention as described above, important information of the main payment account of the payment account subscriber is not exposed on the e-commerce site of the Internet, and a certain amount of money is simply deposited at the moment of payment, and after the payment, a plurality of auxiliary payment accounts are used. This is a safe payment method even on personal information on the property of the payment account subscriber.

As described above, in accordance with the present invention, a plurality of payment account subscribers are usually issued to a plurality of payment account subscribers without a special equipment investment or replacement of the network computer network system of an existing payment account issuer. By using this as a payment method, it is to provide an environment in which payment can be made safely after e-commerce by excluding an environment in which important information of a payment account subscriber may leak from an e-commerce site of the Internet.

Claims (9)

A network account transfer system using a primary payment account and a plurality of secondary payment accounts, A new payment account subscriber or an existing payment account subscriber who wishes to subscribe to a payment account for use on the Internet and with a payment account issuer, enters into a mutual agreement under an agreement; and includes authentication information and payment information of the payment account subscriber under the above agreement. In addition to the main payment account to issue a plurality of secondary payment account; and the secondary payment account can not be left in the usual balance, a certain amount is selected from a plurality of secondary payment account in the primary payment account to pay a certain amount to the direct debit network system Account transfer is made in the network system of the account issuer's network computer system, but the amount of the subsidiary payment account is set to be available for payment, and when the settlement time has elapsed, all of the amount is automatically transferred to the main payment account or settled at the settlement time. If you have funds remaining, you can pay by direct debit to your primary payment account. Network computer network server system of a payment account issuing institution that has a gram environment configured; and the payment account network network server system of the payment account issuing institution is connected to a web server of an e-commerce site and a network via the Internet. Network account transfer system using two subsidiary payment accounts. The system of claim 1, wherein the primary payment account and the plurality of auxiliary payment accounts are opened by a bank that handles known deposits and withdrawals. The method of claim 1, wherein the primary payment account and the plurality of auxiliary payment accounts are established by a credit card company that handles known cash services and postpay payments. system. According to claim 1, wherein the primary payment account and the plurality of subsidiary payment accounts are established in a shopping mall (distributor) that handles known cash services and postpay payments. Network account transfer system. The method of claim 1, wherein the number of subsidiary payment accounts includes a plurality of subsidiary payment accounts, a secondary subsidiary payment account, and a third subsidiary payment account. Network account transfer system using a primary payment account and a plurality of auxiliary payment account, characterized by having a variability. The system of claim 1, wherein the time setting environment for designating the allowable time is randomly variable. The network computer network server system 370 of claim 1, wherein the network computer network server system 370 manages a primary network computer server system 430 for managing a primary payment account 380 and a secondary network computer network server system 440 for managing a secondary payment account 390. Network account transfer system using a primary payment account and a plurality of auxiliary payment accounts, characterized in that the network is connected to each other divided by). For e-commerce payments using the primary payment account and multiple secondary payment accounts, (a) accessing the Internet by a payment account subscriber who opens a primary payment account and a plurality of auxiliary payment accounts at a payment account issuer; (b) accessing an e-commerce site through step (a) above; (c) searching for a product purchase or business by using the information on the e-commerce site; (d) product selection or business agreement until the product selection or business decision and settlement; (e) The payment account subscriber accesses the network account server system of the payment account issuer using a wired / wireless telephone, accesses the direct debit network system, and purchases the goods in step (d) within the available amount of the main payment account. Automatically transferring the payment amount or the business agreement payment amount to one of the plurality of auxiliary payment accounts; (f) the counter starting time is available for payment; (g) making a payment with the account number of the secondary payment account within the time available for payment; (h) if the amount of time available for payment in step (f) is exceeded, the amount of the secondary payment account is automatically transferred to the main payment account; (i) storing the information of step (g) or (h) in a payment DB of a web server of an e-commerce site and a network computer network server system of a payment account issuer; (j) If the balance remaining after the payment in step (g) is present in the secondary payment account, the balance is automatically transferred to the main payment account, the main payment account and a plurality of secondary payments, characterized in that the payment is made How to settle an e-commerce transaction using your account The main payment of claim 8, wherein the web server 340 of the e-commerce site 330 and the network computer network server system 370 of the payment account issuer 360 are connected to a network over the Internet. E-Commerce Payment Method Using Account and Multiple Secondary Payment Accounts.